Balance Sheet OTP Bank Nyrt.

Stocks

OTP

HU0000061726

Banks

Market Closed - Budapest S.E. Other stock markets 11:20:00 2026-06-11 am EDT			5-day change	1st Jan Change
40,880.00 ^HUF	+1.82%		+0.44%	+16.47%

May. 28	Hungary's OTP announces listing of EMTN programme on Hong Kong Stock Exchange	RE
May. 26	OTP Bank Plc Redeems USD 500,000,000 Fixed Rate Reset Senior Preferred Notes Due 2027	CI

65cbabea8c9ad.LNwIZYWom5nLuMFN1Im1IocqeFqCWvJisnG0rBFx1vM.aLtHLcSY3aiA3YMFsOflS-xjThzxabsS5yvk6iEHsIMUk1wM7p7I27L0sg

Published financial data: OTP BANK NYRT.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	1,117B	2,004B	2,948B	3,082B	3,349B
Interest Income On Investments	15.65B	-	-	-	-
Interest Income, Total	1,133B	2,004B	2,948B	3,082B	3,349B
Interest On Deposits	243B	913B	1,562B	1,337B	1,409B
Total Interest On Borrowings	-	-	-	-	-
Interest Expense, Total	243B	913B	1,562B	1,337B	1,409B
Net Interest Income	890B	1,091B	1,387B	1,745B	1,941B
Gain (Loss) on Sale of Invest. & Securities - (Rev)	-3.17B	-66.02B	-1.05B	-44.95B	29.11B
Income (Loss) on Equity Invest. (Income Block)	-	14.64B	14.77B	12.97B	21.44B
Total Other Non Interest Income	449B	578B	828B	897B	1,028B
Non Interest Income, Total	446B	527B	842B	865B	1,078B
Revenues Before Provison For Loan Losses	1,336B	1,618B	2,229B	2,610B	3,019B
Provision For Loan Losses	33.88B	142B	109B	66.88B	155B
Total Revenues	1,302B	1,476B	2,120B	2,543B	2,863B
Salaries And Other Employee Benefits	293B	351B	415B	476B	547B
Occupancy Expense	95B	108B	112B	134B	153B
Selling General & Admin Expenses, Total	222B	274B	321B	361B	392B
Total Other Non Interest Expense	138B	243B	224B	242B	351B
Non Interest Expense, Total	747B	975B	1,072B	1,213B	1,443B
EBT, Excl. Unusual Items	555B	501B	1,048B	1,330B	1,421B
Total Merger & Related Restructuring Charges	-	-	-2.51B	-	-
Impairment of Goodwill	-	-67.72B	-	-	-674M
Asset Writedown	-2.53B	-1.83B	-4.29B	-7.31B	-9.36B
Other Unusual Items	-24.09B	-36.21B	160B	-13.19B	-9.38B
EBT, Incl. Unusual Items	528B	395B	1,201B	1,310B	1,401B
Income Tax Expense	72.12B	59.25B	189B	253B	255B
Earnings From Continuing Operations	456B	336B	1,012B	1,056B	1,146B
Earnings Of Discontinued Operations	116M	-	-21.25B	19.76B	-
Net Income to Company	456B	336B	990B	1,076B	1,146B
Minority Interest	-	-727M	-1.8B	-4.23B	-5.63B
Net Income - (IS)	456B	335B	989B	1,072B	1,141B
Preferred Dividend and Other Adjustments	836M	-	-	-	-
Net Income to Common Incl Extra Items	456B	335B	989B	1,072B	1,141B
Net Income to Common Excl. Extra Items	455B	335B	1,010B	1,052B	1,141B
Per Share Items
Net EPS - Basic	1.74K	1.25K	3.69K	4.05K	4.44K
Basic EPS - Continuing Operations	1.74K	1.25K	3.77K	3.98K	4.44K
Basic Weighted Average Shares Outstanding	262M	269M	268M	265M	257M
Net EPS - Diluted	1.74K	1.25K	3.69K	4.05K	4.43K
Diluted EPS - Continuing Operations	1.74K	1.25K	3.77K	3.98K	4.43K
Diluted Weighted Average Shares Outstanding	262M	269M	268M	265M	257M
Normalized Basic EPS	1.32K	1.16K	2.44K	3.13K	3.43K
Normalized Diluted EPS	1.32K	1.16K	2.44K	3.13K	3.43K
Dividend Per Share	430.41	300.16	539.46	964.28	1.07K
Payout Ratio	0	34.68	8.11	13.34	22.44
American Depositary Receipts Ratio (ADR)	0.5	0.5	0.5	0.5	0.5
Supplemental Items
Effective Tax Rate - (Ratio)	13.65	15	15.77	19.35	18.19
Total Current Taxes	65.69B	91.54B	185B	259B	278B
Total Deferred Taxes	6.43B	-32.29B	4.42B	-5.75B	-23.12B
Normalized Net Income	347B	312B	653B	827B	882B
Non-Cash Pension Expense	-137M	-265M	-7M	197M	518M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	3.59B	2.95B	3.29B	4.41B	5.39B
Total Stock-Based Compensation	3.59B	2.95B	3.29B	4.41B	5.39B

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	1,702B	2,598B	4,859B	3,517B	2,541B
Investment Securities, Total	7,819B	8,098B	8,775B	11,543B	12,409B
Trading Asset Securities, Total	307B	429B	263B	717B	377B
Mortgage Backed Securities	63.07B	54.55B	30.34B	34.23B	30.17B
Total investments	8,189B	8,582B	9,069B	12,295B	12,816B
Gross Loans	16,795B	19,895B	21,602B	24,586B	27,126B
Allowance For Loan Losses	-899B	-1,051B	-974B	-1,004B	-1,075B
Other Adjustments to Gross Loans	-141B	-165B	-223B	-225B	-223B
Net Loans	15,755B	18,679B	20,405B	23,357B	25,828B
Gross Property Plant And Equipment	735B	830B	893B	1,002B	1,047B
Accumulated Depreciation	-274B	-307B	-295B	-341B	-364B
Net Property Plant And Equipment	462B	523B	598B	661B	683B
Goodwill	106B	68.32B	66.93B	71.31B	68.17B
Other Intangibles, Total	143B	169B	224B	285B	318B
Investment in Real Estate	29.88B	47.45B	53.38B	88.24B	92.98B
Accrued Interest Receivable	-	-	-	-	-
Other Receivables	85.81B	124B	139B	125B	144B
Restricted Cash	854B	1,624B	2,266B	2,562B	2,425B
Other Current Assets, Total	157B	205B	1,740B	235B	297B
Deferred Tax Assets Long-Term (Collected)	15.11B	75.42B	55.69B	56.58B	76.27B
Other Real Estate Owned And Foreclosed	7.42B	8.18B	17.12B	20.65B	16.86B
Other Long-Term Assets, Total	46.77B	102B	116B	145B	123B
Total Assets	27,553B	32,804B	39,609B	43,419B	45,427B
Liabilities
Accounts Payable, Total	46.24B	56.83B	73.35B	99.59B	82.09B
Accrued Expenses, Total	189B	224B	189B	312B	266B
Interest Bearing Deposits	21,060B	25,189B	28,332B	31,658B	33,733B
Total Deposits	21,060B	25,189B	28,332B	31,658B	33,733B
Short-Term Borrowings	264B	414B	204B	137B	94.27B
Current Portion of Long-Term Debt	546B	677B	1,124B	1,313B	820B
Current Portion of Leases	11.76B	13.76B	12.42B	15.17B	14.22B
Long-Term Debt	1,812B	2,238B	3,679B	3,882B	3,931B
Long-Term Leases	41.52B	50.02B	63.89B	66.94B	68.18B
Current Income Taxes Payable	36.58B	28.87B	69.95B	76.79B	35.64B
Accrued Interest Payable	8.4B	-	-	-	-
Other Current Liabilities - (Bank / Utility Template)	112B	179B	1,353B	261B	249B
Pension & Other Post Retirement Benefits	10.22B	9.56B	11.85B	13.78B	15.48B
Deferred Tax Liability Non-Current	24.04B	40.09B	28.66B	32.64B	28.35B
Other Non Current Liabilities	355B	361B	372B	431B	465B
Total Liabilities	24,517B	29,482B	35,514B	38,299B	39,802B
Common Stock, Total	28B	28B	28B	28B	28B
Retained Earnings	1,300B	1,121B	1,448B	1,711B	1,694B
Treasury Stock	-107B	-107B	-120B	-245B	-459B
Comprehensive Income and Other	1,810B	2,275B	2,732B	3,617B	4,347B
Total Common Equity	3,031B	3,316B	4,087B	5,110B	5,610B
Minority Interest	6.2B	5.96B	7.96B	9.68B	15.68B
Total Equity	3,037B	3,322B	4,095B	5,120B	5,626B
Total Liabilities And Equity	27,553B	32,804B	39,609B	43,419B	45,427B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	277M	280M	279M	273M	266M
ECS Total Common Shares Outstanding	277M	280M	279M	273M	266M
Book Value / Share	10.95K	11.86K	14.63K	18.72K	21.12K
Tangible Book Value	2,782B	3,079B	3,795B	4,754B	5,224B
Tangible Book Value Per Share	10.05K	11.01K	13.58K	17.42K	19.67K
Tangible Book Value Per Share (As Reported)	10.19K	-	14.59K	18.51K	21.1K
Average Assets	-	-	37,168B	41,689B	44,762B
Total Debt	2,675B	3,393B	5,084B	5,414B	4,928B
Deposits at Interest - Cash	1,205B	1,922B	4,254B	2,851B	1,911B
Debt Equivalent of Unfunded Proj. Benefit Obligation	5.26B	4.73B	6.58B	7.94B	8.04B
Net Debt	-979B	-1,026B	-1,829B	-1,044B	-219B
Equity Method Investments, Total	42.41B	29.01B	66.8B	77.26B	78.63B
Full Time Employees	37.87K	35.98K	39.41K	38.52K	41.92K
Part Time Employees	-	-	-	-	2.08K
Number Of Offices	1.46K	1.39K	1.44K	1.25K	1.2K
Assets on Operating Lease - Gross	30.7B	31.19B	36.58B	41.47B	45.98B
Assets on Operating Lease - Accumulated Depreciation	-9.49B	-8.86B	-7.85B	-9.7B	-11.51B

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	456B	335B	989B	1,072B	1,141B
Depreciation, Depletion & Amortization	55.35B	63B	70.07B	76.44B	83.8B
Amortization of Goodwill and Intangible Assets - (CF)	44.97B	49.75B	53.26B	64.28B	77B
Total Depreciation, Depletion & Amortization	100B	113B	123B	141B	161B
(Gain) Loss On Sale of Asset - (CF)	129M	-1.28B	595M	-2.76B	2.8B
(Gain) Loss on Sale of Investments - (CF)	41B	58.47B	-180B	-78.36B	14.09B
Total Asset Writedown	4.52B	85.48B	15.58B	20.48B	27.49B
Provision for Credit Losses	27.72B	156B	116B	84.82B	163B
Stock-Based Compensation (CF)	3.59B	2.95B	3.29B	4.41B	5.39B
Change in Trading Asset Securities	-126B	-134B	121B	-463B	241B
Change in Other Net Operating Assets (Collected)	-2,143B	-2,931B	-1,213B	-2,287B	-3,171B
Other Operating Activities	-16.39B	-323B	-364B	-174B	-280B
Net Cash From Discontinued Operations	-114M	-	-43.9B	24.14B	-
Cash from Operations	-1,652B	-2,639B	-433B	-1,659B	-1,695B
Capital Expenditure	-301B	-275B	-300B	-304B	-387B
Sale of Property, Plant, and Equipment	120B	76.14B	139B	68.97B	188B
Cash Acquisitions	-	38.89B	577B	-	-
Sale (Purchase) of Real Estate Properties (Collected)	7.85B	-19.81B	4.42B	-31.01B	-9.94B
Investment in Marketable and Equity Securities, Total	-1,398B	-556B	582B	-2,114B	-900B
Other Investing Activities, Total	15.76B	13.8B	15.64B	-130B	16.24B
Cash from Investing	-1,556B	-722B	1,019B	-2,510B	-1,092B
Long-Term Debt Issued, Total	79.4B	576B	1,380B	1,058B	1,070B
Total Debt Issued	79.4B	576B	1,380B	1,058B	1,070B
Long-Term Debt Repaid, Total	-120B	-163B	-254B	-618B	-790B
Total Debt Repaid	-120B	-163B	-254B	-618B	-790B
Issuance of Common Stock	294B	8.91B	23.46B	28.99B	43.72B
Repurchase of Common Stock	-276B	-16.27B	-39.82B	-153B	-250B
Common Dividends Paid	-10M	-116B	-80.16B	-143B	-256B
Common & Preferred Stock Dividends Paid	-10M	-116B	-80.16B	-143B	-256B
Net Increase (Decrease) in Deposit Accounts - (CF)	3,125B	3,788B	846B	2,459B	2,208B
Other Financing Activities, Total	71.69B	-	-	-	-
Cash from Financing	3,173B	4,077B	1,876B	2,633B	2,026B
Foreign Exchange Rate Adjustments	61.53B	180B	-200B	195B	-216B
Net Change in Cash	26.79B	896B	2,262B	-1,342B	-977B
Supplemental Items
Cash Interest Paid	935M	2.39B	3.1B	3.56B	4.05B
Cash Income Tax Paid (Refund)	47.88B	74.41B	152B	94.57B	286B
Net Debt Issued / Repaid	-41.1B	413B	1,126B	441B	280B

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	1.79	1.11	2.79	2.54	2.58
Return On Equity %	16.37	10.56	27.28	22.93	21.34
Return on Common Equity	16.37	10.55	27.28	22.88	21.28
Shareholders Value Added	168B	3.84B	599B	584B	574B
Margin Analysis
SG&A Margin	46.81	49.64	40	38.19	38.14
Net Interest Income / Total Revenues %	68.33	73.95	65.42	68.63	67.77
EBT Excl. Non-Recurring Items Margin %	42.62	33.92	49.43	52.31	49.62
Income From Continuing Operations Margin %	35.04	22.74	47.73	41.54	40.04
Net Income Margin %	35.05	22.69	46.64	42.15	39.84
Net Avail. For Common Margin %	34.97	22.69	47.65	41.37	39.84
Normalized Net Income Margin	26.64	21.15	30.81	32.53	30.81
Asset quality
Nonperforming Loans / Total Loans %	4.76	4.56	3.57	3.15	3.13
Nonperforming Loans / Total Assets %	2.9	2.77	1.95	1.78	1.87
Nonperforming Assets / Total Assets %	2.93	2.79	1.99	1.83	1.91
NPAs / Loans and OREO	4.81	4.6	3.64	3.23	3.19
NPAs / Equity	26.6	27.58	19.24	15.54	15.4
Allowance for Credit Losses / Net Charge-offs %	1.34K	1.14K	1.59K	827.66	2.08K
Allowance for Credit Losses / Nonperforming Loans %	112.32	115.78	126.33	129.53	126.57
Allowance for Credit Losses / Total Loans %	5.35	5.28	4.51	4.08	3.96
Provision for Loan Losses / Net Charge-offs %	50.53	154.17	178.69	55.15	300.98
Interest Income / Average Assets	-	-	7.93	7.39	7.48
Interest Expense / Average Assets	-	-	4.2	3.21	3.15
Net Interest Income / Average Assets	-	-	3.73	4.19	4.34
Non Interest Income / Average Assets	-	-	2.27	2.07	2.41
Non Interest Expense / Average Asset	-	-	2.88	2.91	3.22
Capital And Funding
Total Average Common Equity / Total Average Assets %	10.93	10.52	10.22	11.08	12.07
Total Average Equity / Total Average Assets %	10.95	10.54	10.24	11.1	12.09
Total Equity + Allowance for Loan Losses / Total Loans %	23.4	21.95	23.43	24.87	24.64
Gross Loans / Total Deposits %	79.75	78.98	76.24	77.66	80.41
Net Loans / Total Deposits %	74.81	74.15	72.02	73.78	76.57
Tier 1 Capital Ratio %	17.5	16.1	16.6	18.9	18.1
Total Capital Ratio %	19.1	17.5	18.9	20.3	19.7
Core Tier 1 Capital Ratio	17.5	16.1	16.6	18.9	18.1
Tier 2 Capital Ratio	1.59	-	2.24	1.4	1.63
Coverage Ratio	112.32	115.78	126.33	129.53	126.57
Interbank Ratio	173.16	197.22	292.41	235.54	249.73
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	-	-	-	-	-
EBT + Interest Expense / Interest Expense	3.17	1.43	1.77	1.98	1.99
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	13.63	24.82	35.04	25.86	11.19
Non Interest Income, 1 Yr. Growth %	10.71	14.05	62.46	2.64	24.68
Provision For Loan Losses, 1 Yr. Growth %	-76.83	223.42	-13.92	16.43	132.25
Total Revenues, 1 Yr. Growth %	25.22	14.21	49.45	17.1	12.59
Earnings From Cont. Operations, 1 Yr. Growth %	79.62	-26.45	217.07	4.42	8.51
Net Income, 1 Yr. Growth %	75.8	-26.47	185.45	8.42	6.42
Normalized Net Income, 1 Yr. Growth %	59.06	-8.06	113.96	20.25	6.66
Diluted EPS Before Extra, 1 Yr. Growth %	76.99	-28.31	218.58	5.41	11.52
Dividend Per Share, 1 Yr. Growth %	-	-30.26	79.82	78.74	11.11
Gross Loans, 1 Yr. Growth %	15.86	18.45	8.58	13.81	10.33
Allowance For Loan Losses, 1 Yr. Growth %	5.23	16.97	-7.39	3.09	7.1
Net Loans, 1 Yr. Growth %	16.24	18.55	9.24	14.47	10.58
Non Performing Loans, 1 Yr. Growth %	8.53	13.47	-15.12	0.55	9.6
Non Performing Assets, 1 Yr. Growth %	7.82	13.44	-14.01	0.98	8.88
Total Assets, 1 Yr. Growth %	18.07	19.06	20.74	9.62	4.62
Total Deposits, 1 Yr Growth %	17.77	19.56	12.48	11.74	6.55
Tangible Book Value, 1 Yr. Growth %	21.27	10.69	23.26	25.25	9.89
Common Equity, 1 Yr. Growth %	19.64	9.43	23.23	25.04	9.78
Total Equity, 1 Yr. Growth %	19.69	9.4	23.25	25.04	9.88
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	12.2	18.04	25.94	30.37	18.3
Non Interest Income, 2 Yr. CAGR %	9.56	14.32	35.03	29.15	13.13
Provision For Loan Losses, 2 Yr. CAGR %	-16.83	-1.34	57.6	-27.43	64.45
Total Revenues, 2 Yr. CAGR %	12.46	19.12	28.07	33.91	14.82
Earnings From Cont. Operations, 2 Yr. CAGR %	4.58	14.94	48.9	81.95	6.45
Net Income, 2 Yr. CAGR %	5.18	13.57	47.33	75.92	7.41
Normalized Net Income, 2 Yr. CAGR %	18.77	19.64	38.68	64.63	13.25
Diluted EPS Before Extra, 2 Yr. CAGR %	4.45	12.64	47.32	83.25	8.42
Dividend Per Share, 2 Yr. CAGR %	31.74	-	11.95	79.28	40.92
Gross Loans, 2 Yr. CAGR %	15.18	17.15	13.41	11.17	12.06
Allowance For Loan Losses, 2 Yr. CAGR %	12.31	10.94	4.08	-2.29	5.08
Net Loans, 2 Yr. CAGR %	15.09	17.39	13.8	11.82	12.51
Non Performing Loans, 2 Yr. CAGR %	5.52	10.97	-1.86	-7.62	4.98
Non Performing Assets, 2 Yr. CAGR %	6.01	10.6	-1.23	-6.81	4.86
Total Assets, 2 Yr. CAGR %	17.02	18.56	19.9	15.05	7.09
Total Deposits, 2 Yr CAGR %	17.82	18.68	15.96	12.11	9.12
Tangible Book Value, 2 Yr. CAGR %	16.66	15.86	16.8	24.25	17.32
Common Equity, 2 Yr. CAGR %	15.13	14.42	16.13	24.14	17.16
Total Equity, 2 Yr. CAGR %	15.12	14.43	16.12	24.14	17.21
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	12.86	15.57	20.98	25.91	23.63
Non Interest Income, 3 Yr. CAGR %	11.78	12.32	27.84	23.24	27.64
Provision For Loan Losses, 3 Yr. CAGR %	14.42	42.7	-9.24	14.97	6.94
Total Revenues, 3 Yr. CAGR %	12.45	12.74	26.78	25.32	26.39
Earnings From Cont. Operations, 3 Yr. CAGR %	12.68	-7	58.51	32.29	53.16
Net Income, 3 Yr. CAGR %	12.76	-6.72	56.16	33.01	48.78
Normalized Net Income, 3 Yr. CAGR %	15.37	8.28	44.13	34.56	42.45
Diluted EPS Before Extra, 3 Yr. CAGR %	12.61	-7.86	56.61	31.76	55.29
Dividend Per Share, 3 Yr. CAGR %	25.26	6.57	-	30.85	52.86
Gross Loans, 3 Yr. CAGR %	24.03	16.26	14.22	13.54	10.89
Allowance For Loan Losses, 3 Yr. CAGR %	9.46	13.84	4.46	3.75	0.75
Net Loans, 3 Yr. CAGR %	24.74	16.23	14.61	14.02	11.41
Non Performing Loans, 3 Yr. CAGR %	0.62	8.11	1.49	-1.06	-2.2
Non Performing Assets, 3 Yr. CAGR %	0.93	8.43	1.7	-0.5	-1.85
Total Assets, 3 Yr. CAGR %	23.61	17.69	19.29	16.37	11.46
Total Deposits, 3 Yr CAGR %	23.12	18.41	16.58	14.54	10.23
Tangible Book Value, 3 Yr. CAGR %	18.84	14.63	18.27	19.55	19.27
Common Equity, 3 Yr. CAGR %	18.44	13.2	17.29	19.03	19.15
Total Equity, 3 Yr. CAGR %	18.46	13.18	17.3	19.02	19.19
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	11.23	14.36	17.5	19.81	19.9
Non Interest Income, 5 Yr. CAGR %	11.07	9.29	21.39	18.39	21.74
Provision For Loan Losses, 5 Yr. CAGR %	-18.37	28.36	37.04	6.43	1.21
Total Revenues, 5 Yr. CAGR %	13.44	11.54	18.27	19.82	22.45
Earnings From Cont. Operations, 5 Yr. CAGR %	17.65	3.59	25.97	20.42	35.17
Net Income, 5 Yr. CAGR %	17.68	3.56	25.44	21.04	34.45
Normalized Net Income, 5 Yr. CAGR %	18.57	7.03	23.65	27.46	32.25
Diluted EPS Before Extra, 5 Yr. CAGR %	17.84	3.02	25.39	20.07	35.19
Dividend Per Share, 5 Yr. CAGR %	17.77	6.51	19.76	31.2	-
Gross Loans, 5 Yr. CAGR %	20.33	20.72	19.67	14.2	13.35
Allowance For Loan Losses, 5 Yr. CAGR %	-0.98	7.31	7.27	7.09	4.71
Net Loans, 5 Yr. CAGR %	22.49	21.62	20.24	14.45	13.76
Non Performing Loans, 5 Yr. CAGR %	-3.85	-1.74	-0.38	1.52	2.87
Non Performing Assets, 5 Yr. CAGR %	-3.67	-1.56	0.06	2.05	2.95
Total Assets, 5 Yr. CAGR %	19.71	19.99	22.11	16.63	14.25
Total Deposits, 5 Yr CAGR %	19.83	19.77	20.21	15.85	13.53
Tangible Book Value, 5 Yr. CAGR %	17.25	16.09	18.02	18.39	17.89
Common Equity, 5 Yr. CAGR %	16.42	15.17	17.51	17.45	17.24
Total Equity, 5 Yr. CAGR %	16.41	15.16	17.52	17.45	17.26