Cash flow ING Groep N.V.

Equities

INGA

NL0011821202

Banks

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Published financial data: ING GROEP N.V.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	20.85B	18.64B	24.44B	44.66B	49.47B
Interest Income On Investments	1.84B	2.47B	3.93B	7.74B	9.68B
Interest Income, Total	22.7B	21.11B	28.37B	52.4B	59.16B
Interest On Deposits	7.49B	5.53B	10.02B	28.51B	34.88B
Total Interest On Borrowings	1.6B	1.97B	3.76B	7.73B	8.99B
Interest Expense, Total	9.09B	7.5B	13.78B	36.24B	43.87B
Net Interest Income	13.6B	13.61B	14.59B	16.16B	15.29B
Income From Trading Activities	-	-	-	-	-
Gain (Loss) on Sale of Assets	-3M	-29M	6M	-	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	-2M	42M	-165M	-13M	-141M
Income (Loss) on Equity Invest. (Income Block)	66M	141M	92M	149M	205M
Total Other Non Interest Income	4.03B	4.65B	16.23B	2.07B	5.9B
Non Interest Income, Total	4.09B	4.8B	16.16B	2.2B	5.96B
Revenues Before Provison For Loan Losses	17.69B	18.42B	30.75B	18.36B	21.25B
Provision For Loan Losses	2.68B	516M	1.33B	738M	1.19B
Total Revenues	15.02B	17.9B	29.42B	17.63B	20.05B
Salaries And Other Employee Benefits	5.79B	5.91B	6.13B	6.69B	7.14B
Selling General & Admin Expenses, Total	354M	336M	357M	400M	486M
Total Other Non Interest Expense	4.28B	4.57B	4.42B	4.21B	4.22B
Non Interest Expense, Total	10.42B	10.82B	10.9B	11.3B	11.85B
EBT, Excl. Unusual Items	4.6B	7.08B	18.52B	6.33B	8.21B
Restructuring Charges	-149M	-214M	-170M	-173M	-142M
Total Merger & Related Restructuring Charges	-	-	-	-	-
Impairment of Goodwill	-310M	-	-32M	-	-
Asset Writedown	-248M	-121M	-47M	-38M	-31M
Legal Settlements	-21M	-39M	-51M	-52M	-101M
Other Unusual Items	-58.67M	70.92M	-867M	-26.73M	-159M
EBT, Incl. Unusual Items	3.81B	6.78B	17.36B	6.04B	7.77B
Income Tax Expense	1.25B	1.88B	5.13B	1.66B	2.18B
Earnings From Continuing Operations	2.56B	4.9B	12.23B	4.38B	5.59B
Earnings Of Discontinued Operations	-	-	-	-	-
Net Income to Company	2.56B	4.9B	12.23B	4.38B	5.59B
Minority Interest	-78M	-128M	-102M	-235M	-258M
Net Income - (IS)	2.48B	4.78B	12.13B	4.14B	5.33B
Net Income to Common Incl Extra Items	2.48B	4.78B	12.13B	4.14B	5.33B
Net Income to Common Excl. Extra Items	2.48B	4.78B	12.13B	4.14B	5.33B
Per Share Items
Net EPS - Basic	0.64	1.23	3.35	1.16	1.65
Basic EPS - Continuing Operations	0.64	1.23	3.35	1.16	1.65
Basic Weighted Average Shares Outstanding	3.9B	3.89B	3.62B	3.56B	3.23B
Net EPS - Diluted	0.64	1.23	3.35	1.16	1.65
Diluted EPS - Continuing Operations	0.64	1.23	3.35	1.16	1.65
Diluted Weighted Average Shares Outstanding	3.9B	3.89B	3.62B	3.57B	3.23B
Normalized Basic EPS	0.72	1.11	3.17	1.04	1.51
Normalized Diluted EPS	0.72	1.11	3.17	1.04	1.51
Dividend Per Share	0.12	0.89	0.56	1.11	1.06
Payout Ratio	-	49.04	25.51	71.67	72.72
American Depositary Receipts Ratio (ADR)	1	1	1	1	1
Supplemental Items
Effective Tax Rate - (Ratio)	32.71	27.68	29.55	27.53	28.06
Current Domestic Taxes	355M	459M	498M	601M	454M
Current Foreign Taxes	1.02B	1.45B	1.51B	2.12B	1.98B
Total Current Taxes	1.37B	1.91B	2.01B	2.72B	2.43B
Deferred Domestic Taxes	64M	47M	901M	-141M	65M
Deferred Foreign Taxes	-189M	-78M	2.22B	-918M	-315M
Total Deferred Taxes	-125M	-31M	3.12B	-1.06B	-250M
Normalized Net Income	2.79B	4.3B	11.48B	3.72B	4.87B
Non-Cash Pension Expense	-4M	-6M	-7M	-22M	-19M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	19M	31M	26M	31M	45M
Total Stock-Based Compensation	19M	31M	26M	31M	45M

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	11.12B	9.83B	15.63B	9.52B	6.63B
Investment Securities, Total	145B	135B	142B	155B	158B
Trading Asset Securities, Total	47.18B	47.29B	54.42B	59.63B	81.39B
Total investments	192B	183B	196B	214B	239B
Gross Loans	620B	649B	672B	662B	704B
Allowance For Loan Losses	-5.8B	-5.3B	-6.02B	-5.65B	-5.86B
Other Adjustments to Gross Loans	-508M	-525M	-792M	-1.04B	-1.14B
Net Loans	614B	643B	665B	656B	697B
Gross Property Plant And Equipment	6.65B	6.4B	6.38B	6.04B	6.21B
Accumulated Depreciation	-3.81B	-3.89B	-3.93B	-3.64B	-3.77B
Net Property Plant And Equipment	2.84B	2.52B	2.45B	2.4B	2.43B
Goodwill	533M	472M	464M	469M	476M
Other Intangibles, Total	861M	684M	638M	729M	858M
Investment in Real Estate	20M	26M	18M	14M	19M
Accrued Interest Receivable	781M	798M	917M	523M	499M
Other Receivables	419M	549M	349M	311M	485M
Restricted Cash	109B	105B	85.93B	88.63B	68.71B
Other Current Assets, Total	2.29B	2.48B	5.22B	4.34B	3.98B
Deferred Tax Assets Long-Term (Collected)	773M	957M	1.42B	1.08B	1B
Other Real Estate Owned And Foreclosed	-	-	-	-	-
Other Long-Term Assets, Total	2.8B	2.7B	2.69B	2.24B	2.45B
Total Assets	937B	951B	977B	980B	1,024B
Liabilities
Accrued Expenses, Total	925M	1.02B	998M	1.36B	1.68B
Interest Bearing Deposits	621B	672B	670B	648B	681B
Non-Interest Bearing Deposits	67.21B	30.39B	26.96B	25.73B	27.34B
Total Deposits	688B	702B	697B	674B	708B
Short-Term Borrowings	68.54B	55.25B	77.05B	70.88B	66.69B
Current Portion of Long-Term Debt	27.01B	37.95B	37.22B	49.13B	53.6B
Current Portion of Leases	225M	217M	232M	237M	226M
Long-Term Debt	77.39B	76.85B	81.1B	99.71B	117B
Long-Term Leases	1.12B	1B	941M	925M	890M
Trust Preferred Securities (BS)	-	-	-	-	-
Current Income Taxes Payable	342M	271M	325M	396M	276M
Accrued Interest Payable	-	-	-	-	-
Other Current Liabilities - (Bank / Utility Template)	7.11B	9B	9.06B	14.81B	9.66B
Pension & Other Post Retirement Benefits	433M	299M	168M	194M	190M
Deferred Tax Liability Non-Current	584M	603M	2.65B	1.45B	1.21B
Other Non Current Liabilities	10.19B	11.78B	12.66B	12.05B	10.74B
Total Liabilities	882B	897B	920B	925B	970B
Common Stock, Total	39M	39M	37M	35M	31M
Additional Paid In Capital	17.09B	17.1B	17.12B	17.12B	17.12B
Retained Earnings	35.18B	37.32B	41.54B	40.3B	36.24B
Treasury Stock	-4M	-	-1.2B	-1.99B	-765M
Comprehensive Income and Other	2.33B	-543M	-987M	-772M	77M
Total Common Equity	54.64B	53.92B	56.5B	54.68B	52.7B
Minority Interest	1.02B	736M	504M	944M	995M
Total Equity	55.66B	54.66B	57B	55.63B	53.7B
Total Liabilities And Equity	937B	951B	977B	980B	1,024B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	3.9B	3.78B	3.62B	3.34B	3.1B
ECS Total Common Shares Outstanding	3.9B	3.78B	3.62B	3.34B	3.1B
Book Value / Share	14.01	14.28	15.61	16.35	17.02
Tangible Book Value	53.24B	52.76B	55.4B	53.49B	51.37B
Tangible Book Value Per Share	13.65	13.97	15.31	16	16.59
Average Assets	-	-	1,035B	1,027B	1,041B
Average Loans	-	-	655B	646B	665B
Total Debt	174B	171B	197B	221B	238B
Deposits at Interest - Cash	110B	106B	93.71B	91.43B	67.42B
Debt Equivalent of Unfunded Proj. Benefit Obligation	-375M	-556M	-477M	-391M	-416M
Net Debt	62.68B	66.23B	72.3B	93.38B	96.07B
Equity Method Investments, Total	1.48B	1.59B	1.5B	1.51B	1.68B
Full Time Employees	53.36K	57K	57.57K	60K	60K
Part Time Employees	5.2K	-	-	-	-
Assets on Operating Lease - Gross	-	-	-	-	-

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	2.48B	4.78B	12.13B	4.14B	5.33B
Depreciation, Depletion & Amortization	578M	573M	485M	461M	457M
Amortization of Goodwill and Intangible Assets - (CF)	2M	1M	-	-	1M
Total Depreciation, Depletion & Amortization	580M	574M	485M	461M	458M
Amortization of Deferred Charges, Total	249M	260M	226M	213M	215M
Total Asset Writedown	-	-	-	1.81B	1.01B
Provision for Credit Losses	2.68B	516M	1.86B	520M	1.19B
Change in Trading Asset Securities	-5.43B	-282M	-9.59B	-10.5B	-12.35B
Change in Other Net Operating Assets (Collected)	17.05B	-40.11B	-11.73B	15.86B	-52.23B
Other Operating Activities	850M	547M	-2.57B	-543M	554M
Cash from Operations	18.46B	-33.72B	-9.19B	11.95B	-55.82B
Capital Expenditure	-287M	-184M	-231M	-246M	-332M
Sale of Property, Plant, and Equipment	75M	39M	83M	57M	50M
Cash Acquisitions	-	-	-	-	-
Divestitures	-3M	27M	7M	-	-
Sale (Purchase) of Real Estate Properties (Collected)	-	-	-	-	-
Investment in Marketable and Equity Securities, Total	-8.27B	6.34B	-5.17B	-8.36B	-5.75B
Net (Increase) Decrease in Loans Originated / Sold - Investing	-	-	-	-	-
Other Investing Activities, Total	-2M	-1M	-	1M	-
Cash from Investing	-8.49B	6.22B	-5.31B	-8.54B	-6.03B
Long-Term Debt Issued, Total	67.47B	88.28B	93.69B	119B	129B
Total Debt Issued	67.47B	88.28B	93.69B	119B	129B
Long-Term Debt Repaid, Total	-102B	-78.9B	-84.23B	-93.76B	-116B
Total Debt Repaid	-102B	-78.9B	-84.23B	-93.76B	-116B
Issuance of Common Stock	5M	-	-	-	-
Repurchase of Common Stock	-	-1.61B	-1.72B	-3.53B	-3.82B
Common Dividends Paid	-	-2.34B	-3.09B	-2.97B	-3.88B
Common & Preferred Stock Dividends Paid	-	-2.34B	-3.09B	-2.97B	-3.88B
Net Increase (Decrease) in Deposit Accounts - (CF)	82.78B	18.78B	-1.92B	-23.29B	33.27B
Other Financing Activities, Total	-3M	-39M	-1M	-	1M
Cash from Financing	47.99B	24.16B	2.73B	-4.89B	38.65B
Foreign Exchange Rate Adjustments	-425M	-565M	-504M	-898M	-740M
Miscellaneous Cash Flow Adjustments	-	-	-	-	-
Net Change in Cash	57.54B	-3.9B	-12.27B	-2.38B	-23.94B
Supplemental Items
Cash Interest Paid	9.67B	8.7B	14.19B	33.73B	41.19B
Cash Income Tax Paid (Refund)	1.73B	1.87B	1.47B	2.7B	2.75B
Net Debt Issued / Repaid	-34.8B	9.38B	9.46B	24.9B	13.07B

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	0.28	0.52	1.27	0.45	0.56
Return On Equity %	4.65	8.89	22.27	7.77	10.23
Return on Common Equity	4.58	8.8	22.34	7.45	9.93
Shareholders Value Added	-3.92B	-1.6B	5.72B	-2.42B	-1.02B
Margin Analysis
SG&A Margin	40.93	34.89	22.03	40.24	38.02
Net Interest Income / Total Revenues %	90.58	76.05	49.59	91.69	76.23
EBT Excl. Non-Recurring Items Margin %	30.6	39.57	62.96	35.89	40.92
Income From Continuing Operations Margin %	17.07	27.4	41.56	24.82	27.88
Net Income Margin %	16.55	26.68	41.21	23.49	26.6
Net Avail. For Common Margin %	16.55	26.68	41.21	23.49	26.6
Normalized Net Income Margin	18.61	24.02	39	21.1	24.29
Asset quality
Nonperforming Loans / Total Loans %	2.18	1.85	1.74	1.76	1.89
Nonperforming Loans / Total Assets %	1.44	1.26	1.2	1.19	1.3
Nonperforming Assets / Total Assets %	1.45	1.27	1.2	1.19	1.3
NPAs / Loans and OREO	2.19	1.86	1.75	1.76	1.89
NPAs / Equity	24.38	22.09	20.57	21.01	24.79
Allowance for Credit Losses / Net Charge-offs %	499.74	654.64	568.56	543.37	617.62
Allowance for Credit Losses / Nonperforming Loans %	42.99	44.06	51.5	48.49	44.04
Allowance for Credit Losses / Total Loans %	0.94	0.82	0.9	0.85	0.83
Net Charge-offs / Total Average Loans %	-	-	0.16	0.16	0.14
Provision for Loan Losses / Net Charge-offs %	230.4	63.78	125.4	70.96	125.95
Earning Assets / IBL	-	-	105.17	103.97	102.34
Interest Income / Average Assets	-	-	2.74	5.1	5.68
Interest Expense / Average Assets	-	-	1.33	3.53	4.21
Net Interest Income / Average Assets	-	-	1.41	1.57	1.47
Non Interest Income / Average Assets	-	-	1.56	0.21	0.57
Non Interest Expense / Average Asset	-	-	1.05	1.1	1.14
Capital And Funding
Total Average Common Equity / Total Average Assets %	5.93	5.75	5.64	5.68	5.36
Total Average Equity / Total Average Assets %	6.03	5.84	5.7	5.75	5.45
Total Equity + Allowance for Loan Losses / Total Loans %	9.75	9.13	9.31	9.11	8.32
Gross Loans / Total Deposits %	90.14	92.35	96.29	98.33	99.37
Net Loans / Total Deposits %	89.23	91.52	95.31	97.34	98.38
Tier 1 Capital Ratio %	17.31	18.09	16.38	16.89	16
Total Capital Ratio %	20.09	21.02	19.4	19.76	18.9
Core Tier 1 Capital Ratio	15.45	15.89	14.47	14.68	13.6
Tier 2 Capital Ratio	2.78	2.93	3.02	2.87	2.97
Coverage Ratio	42.99	44.06	51.5	48.49	44.04
Interbank Ratio	29.25	25.43	27.74	49.27	65.74
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	3.37	4.45	5.61	1.78	1.86
EBT + Interest Expense / Interest Expense	1.42	1.9	2.26	1.17	1.18
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-3.38	0.08	4.23	10.77	-5.41
Non Interest Income, 1 Yr. Growth %	-1.42	17.43	168.33	-86.37	170.66
Provision For Loan Losses, 1 Yr. Growth %	138.84	-80.71	157.36	-44.43	61.79
Total Revenues, 1 Yr. Growth %	-12.22	19.2	50.84	-40.09	13.77
Earnings From Cont. Operations, 1 Yr. Growth %	-47.48	91.34	101.15	-64.22	27.82
Net Income, 1 Yr. Growth %	-48.02	92.19	103.76	-65.86	28.84
Normalized Net Income, 1 Yr. Growth %	-32.9	53.87	116.45	-67.59	30.96
Diluted EPS Before Extra, 1 Yr. Growth %	-48.08	92.71	118.95	-65.37	42.24
Dividend Per Share, 1 Yr. Growth %	-50	641.67	-37.19	97.85	-4.16
Gross Loans, 1 Yr. Growth %	-3.52	4.63	3.91	-1.38	6.29
Allowance For Loan Losses, 1 Yr. Growth %	26.16	-8.72	13.69	-6.15	3.61
Net Loans, 1 Yr. Growth %	-3.73	4.76	3.79	-1.38	6.31
Non Performing Loans, 1 Yr. Growth %	17.6	-10.94	-2.75	-0.33	14.09
Non Performing Assets, 1 Yr. Growth %	17.23	-11.03	-2.88	-0.34	13.93
Total Assets, 1 Yr. Growth %	5.11	1.5	2.91	0.35	4.44
Total Deposits, 1 Yr Growth %	12.88	2.13	-0.72	-3.43	5.17
Tangible Book Value, 1 Yr. Growth %	2.68	-0.9	8.82	-3.45	-3.96
Average Interest Earning Assets, 1 Yr. Growth %	-	-	5.41	-0.92	0.72
Average Interest Bearing Liabilities, 1 Yr. Growth %	-	-	3.88	0.22	2.33
Common Equity, 1 Yr. Growth %	1.61	-1.31	8.52	-3.21	-3.62
Total Equity, 1 Yr. Growth %	1.82	-1.8	7.96	-2.41	-3.47
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-1.13	-1.67	3.77	7.45	2.36
Non Interest Income, 2 Yr. CAGR %	-2.03	7.59	108.11	-39.53	-39.27
Provision For Loan Losses, 2 Yr. CAGR %	101.93	-32.12	-29.54	19.59	-5.18
Total Revenues, 2 Yr. CAGR %	-7.42	2.29	41.93	-4.94	-17.44
Earnings From Cont. Operations, 2 Yr. CAGR %	-27.01	0.25	129.18	-15.17	-32.38
Net Income, 2 Yr. CAGR %	-27.31	-0.05	132.15	-16.59	-33.68
Normalized Net Income, 2 Yr. CAGR %	-22.6	1.61	113.24	-16.05	-34.76
Diluted EPS Before Extra, 2 Yr. CAGR %	-27.4	0.03	140.94	-12.93	-29.82
Dividend Per Share, 2 Yr. CAGR %	-57.99	92.57	115.83	11.48	37.7
Gross Loans, 2 Yr. CAGR %	0.07	0.47	4.08	1.23	2.38
Allowance For Loan Losses, 2 Yr. CAGR %	13.55	7.31	1.87	3.3	-1.39
Net Loans, 2 Yr. CAGR %	-0.02	0.43	4.08	1.17	2.39
Non Performing Loans, 2 Yr. CAGR %	10.26	2.34	-6.93	-1.54	6.64
Non Performing Assets, 2 Yr. CAGR %	9.94	2.13	-7.04	-1.62	6.56
Total Assets, 2 Yr. CAGR %	2.93	3.28	2.09	1.62	2.38
Total Deposits, 2 Yr CAGR %	7.69	7.37	0.7	-2.08	0.78
Tangible Book Value, 2 Yr. CAGR %	6.2	0.87	2	2.5	-3.71
Average Interest Earning Assets, 2 Yr. CAGR %	-	-	4.69	2.2	-0.1
Average Interest Bearing Liabilities, 2 Yr. CAGR %	-	-	4.09	2.04	1.27
Common Equity, 2 Yr. CAGR %	5.54	0.14	1.69	2.48	-3.42
Total Equity, 2 Yr. CAGR %	5.66	-0.01	1.2	2.64	-2.94
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-0.11	-0.73	1.2	6.05	2.98
Non Interest Income, 3 Yr. CAGR %	-5.34	4.07	57.33	-16.12	-0.34
Provision For Loan Losses, 3 Yr. CAGR %	58.17	-7.69	5.84	-34.9	32.27
Total Revenues, 3 Yr. CAGR %	-5.5	0.72	19.81	6.46	0.93
Earnings From Cont. Operations, 3 Yr. CAGR %	-22.69	0.64	35.82	23.4	-2.75
Net Income, 3 Yr. CAGR %	-23.1	0.51	36.37	22.54	-3.58
Normalized Net Income, 3 Yr. CAGR %	-17.09	-2.68	40.2	13.8	-2.64
Diluted EPS Before Extra, 3 Yr. CAGR %	-23.2	0.52	39.75	26.2	2.55
Dividend Per Share, 3 Yr. CAGR %	-43.63	9.39	32.56	109.66	6
Gross Loans, 3 Yr. CAGR %	1.06	1.57	1.48	2.23	2.89
Allowance For Loan Losses, 3 Yr. CAGR %	8.66	5.58	9.4	-0.88	3.4
Net Loans, 3 Yr. CAGR %	1.03	1.55	1.41	2.23	2.86
Non Performing Loans, 3 Yr. CAGR %	2.64	2.69	0.62	-4.78	3.41
Non Performing Assets, 3 Yr. CAGR %	2.45	2.45	0.43	-4.86	3.31
Total Assets, 3 Yr. CAGR %	3.56	2.45	3.08	1.51	2.55
Total Deposits, 3 Yr CAGR %	6.05	5.8	4.61	-0.69	0.28
Tangible Book Value, 3 Yr. CAGR %	4.27	3.78	2.23	0.15	0.3
Average Interest Earning Assets, 3 Yr. CAGR %	-	-	-	2.78	1.7
Average Interest Bearing Liabilities, 3 Yr. CAGR %	-	-	-	2.78	2.13
Common Equity, 3 Yr. CAGR %	4.1	3.21	1.67	0.03	0.41
Total Equity, 3 Yr. CAGR %	4.24	3.11	1.41	-0.02	0.56
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	1.61	0.56	1.35	3.04	1.66
Non Interest Income, 5 Yr. CAGR %	-1.35	0.6	27.36	-12.37	7.51
Provision For Loan Losses, 5 Yr. CAGR %	14.71	-11.93	14.46	2.38	1.29
Total Revenues, 5 Yr. CAGR %	-0.75	1.12	10.58	0.12	3.23
Earnings From Cont. Operations, 5 Yr. CAGR %	-10.79	1.25	17.13	-1.88	2.76
Net Income, 5 Yr. CAGR %	-9.13	-0.81	17.28	-2.52	2.21
Normalized Net Income, 5 Yr. CAGR %	-6.77	-1.69	18.54	-4.43	3.18
Diluted EPS Before Extra, 5 Yr. CAGR %	-11.13	0.98	18.94	-0.83	6.09
Dividend Per Share, 5 Yr. CAGR %	-28.67	6.16	-3.56	10.22	34.59
Gross Loans, 5 Yr. CAGR %	-3.08	1.86	2.25	1.36	1.84
Allowance For Loan Losses, 5 Yr. CAGR %	0.06	0.41	5.89	4.66	4.95
Net Loans, 5 Yr. CAGR %	-3.08	1.9	2.24	1.32	1.8
Non Performing Loans, 5 Yr. CAGR %	-2.51	-2.43	-1.3	0.97	2.98
Non Performing Assets, 5 Yr. CAGR %	-2.49	-2.46	-1.46	0.8	2.84
Total Assets, 5 Yr. CAGR %	-1.33	2.4	2.97	2.08	2.8
Total Deposits, 5 Yr CAGR %	-0.3	4.83	3.88	2.58	3.06
Tangible Book Value, 5 Yr. CAGR %	4.17	1.78	3.36	2.53	-0.19
Average Interest Earning Assets, 5 Yr. CAGR %	-	-	3	-	-
Average Interest Bearing Liabilities, 5 Yr. CAGR %	-	-	3.08	-	-
Common Equity, 5 Yr. CAGR %	3.97	1.6	3.13	2.2	-0.4
Total Equity, 5 Yr. CAGR %	4.06	1.63	3.01	2.22	-0.36