Cash flow Postal Savings Bank of China Co., Ltd.

Equities

1658

CNE1000029W3

Banks

Market Closed - Hong Kong S.E. Other stock markets 03:08:09 2025-12-12 am EST			5-day change	1st Jan Change
5.250 ^HKD	+0.77%		-2.42%	+14.63%

Nov. 26	Postal Savings Bank of China Co., Ltd. Announces Committee Changes	CI
Oct. 30	Postal Savings Bank of China's Q3 Attributable Profit Rises 1.2% to 27.3 Billion Yuan, Operating Income Jumps 2.4% to 85.7 Billion Yuan	MT

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Published financial data: POSTAL SAVINGS BANK OF CHINA CO., LTD.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	416B	452B	474B	498B	508B
Interest Income, Total	416B	452B	474B	498B	508B
Interest On Deposits	163B	182B	201B	217B	222B
Interest Expense, Total	163B	182B	201B	217B	222B
Net Interest Income	253B	269B	274B	282B	286B
Income From Trading Activities	3.26B	-	3.67B	4.46B	4.18B
Gain (Loss) on Sale of Assets	-	10M	1M	-10M	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	15.92B	606M	22.48B	26.96B	32.62B
Income (Loss) on Equity Invest. (Income Block)	-	-	3M	18M	25M
Total Other Non Interest Income	13.98B	47.84B	35.64B	29.68B	26.18B
Non Interest Income, Total	33.16B	48.46B	61.8B	61.11B	63.01B
Revenues Before Provison For Loan Losses	287B	318B	335B	343B	349B
Provision For Loan Losses	50.4B	46.64B	35.33B	26.17B	28.42B
Total Revenues	236B	271B	300B	317B	321B
Salaries And Other Employee Benefits	51.36B	-	62.88B	64.02B	64.04B
Occupancy Expense	8.08B	-	11.3B	12.13B	11.39B
Selling General & Admin Expenses, Total	36M	188B	30M	35M	-
Total Other Non Interest Expense	109B	2.62B	134B	149B	151B
Non Operating (Income) Expenses	-	-98M	-	-	-
Non Interest Expense, Total	168B	191B	209B	225B	226B
EBT, Excl. Unusual Items	68.14B	80.58B	91.36B	91.6B	94.59B
Legal Settlements	-	-49M	-	-	-
Other Unusual Items	-	921M	-	-	-
EBT, Incl. Unusual Items	68.14B	81.45B	91.36B	91.6B	94.59B
Income Tax Expense	3.82B	4.92B	6.01B	5.18B	7.88B
Earnings From Continuing Operations	64.32B	76.53B	85.36B	86.42B	86.72B
Net Income to Company	64.32B	76.53B	85.36B	86.42B	86.72B
Minority Interest	-119M	-362M	-131M	-154M	-237M
Net Income - (IS)	64.2B	76.17B	85.22B	86.27B	86.48B
Preferred Dividend and Other Adjustments	2.58B	5.28B	6.71B	5.32B	6.34B
Net Income to Common Incl Extra Items	61.62B	70.89B	78.52B	80.95B	80.14B
Net Income to Common Excl. Extra Items	61.62B	70.89B	78.52B	80.95B	80.14B
Per Share Items
Net EPS - Basic	0.71	0.78	0.85	0.83	0.81
Basic EPS - Continuing Operations	0.71	0.78	0.85	0.83	0.81
Basic Weighted Average Shares Outstanding	86.91B	91.03B	92.38B	97.53B	99.16B
Net EPS - Diluted	0.71	0.78	0.85	0.83	0.81
Diluted EPS - Continuing Operations	0.71	0.78	0.85	0.83	0.81
Diluted Weighted Average Shares Outstanding	86.91B	91.03B	92.38B	97.53B	99.16B
Normalized Basic EPS	0.49	0.55	0.62	0.59	0.59
Normalized Diluted EPS	0.49	0.55	0.62	0.59	0.59
Dividend Per Share	0.21	0.25	0.26	0.26	0.26
Payout Ratio	32.5	34.83	38.21	44.09	43.53
American Depositary Receipts Ratio (ADR)	20	20	20	20	20
Supplemental Items
Effective Tax Rate - (Ratio)	5.6	6.04	6.58	5.65	8.33
Current Domestic Taxes	9.94B	11.13B	11.26B	3.78B	7.86B
Total Current Taxes	9.94B	11.13B	11.26B	3.78B	7.86B
Deferred Domestic Taxes	-6.12B	-6.21B	-5.26B	1.4B	18M
Total Deferred Taxes	-6.12B	-6.21B	-5.26B	1.4B	18M
Normalized Net Income	42.47B	50B	56.97B	57.1B	58.88B
Non-Cash Pension Expense	19M	21M	58M	9M	15M

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	102B	120B	108B	113B	126B
Investment Securities, Total	4,034B	3,948B	4,756B	5,377B	5,798B
Trading Asset Securities, Total	430B	757B	866B	891B	1,031B
Total investments	4,464B	4,704B	5,622B	6,267B	6,829B
Gross Loans	5,716B	6,692B	7,210B	8,149B	8,913B
Allowance For Loan Losses	-204B	-218B	-233B	-234B	-229B
Net Loans	5,512B	6,474B	6,978B	7,915B	8,684B
Gross Property Plant And Equipment	99.21B	107B	113B	121B	130B
Accumulated Depreciation	-38.18B	-41.79B	-47.55B	-53.57B	-58.06B
Net Property Plant And Equipment	61.03B	65.33B	65.75B	67.01B	71.94B
Other Intangibles, Total	2.31B	4.07B	5.41B	6.03B	6.66B
Investment in Real Estate	45M	28M	8M	5M	-
Accrued Interest Receivable	3.58B	4.83B	4.91B	4.99B	6B
Other Receivables	5.37B	7.16B	7.7B	6.76B	7.58B
Restricted Cash	1,132B	1,119B	1,190B	1,244B	1,212B
Other Current Assets, Total	2.49B	5.72B	6.14B	3.47B	3.96B
Deferred Tax Assets Long-Term (Collected)	53.22B	56.32B	63.96B	62.51B	61.18B
Other Real Estate Owned And Foreclosed	195M	169M	175M	111M	57M
Deferred Charges Long-Term	1.29B	2.57B	4.28B	15.2B	34.62B
Other Long-Term Assets, Total	13.7B	24.24B	11.24B	20.9B	42.2B
Total Assets	11,353B	12,588B	14,067B	15,727B	17,085B
Liabilities
Accrued Expenses, Total	30.03B	37.02B	39.54B	40.22B	41.85B
Interest Bearing Deposits	10,380B	11,367B	12,726B	13,965B	15,288B
Non-Interest Bearing Deposits	65.73B	144B	69.55B	88.5B	135B
Total Deposits	10,446B	11,511B	12,795B	14,053B	15,423B
Short-Term Borrowings	90.8B	99.7B	254B	311B	228B
Current Portion of Long-Term Debt	8.01B	1.44B	1.92B	191B	156B
Current Portion of Leases	-	3.14B	3.1B	3.06B	3.1B
Long-Term Debt	49.97B	79.98B	99.99B	130B	133B
Long-Term Leases	9.28B	6.54B	6.75B	6.21B	6.12B
Current Income Taxes Payable	14.64B	4.27B	2.87B	79M	192M
Accrued Interest Payable	-	-	-	-	-
Other Current Liabilities - (Bank / Utility Template)	14M	15.27B	25M	25M	14.67B
Unearned Revenue Non Current	1.75B	1.94B	1.98B	1.79B	2.16B
Pension & Other Post Retirement Benefits	1.28B	1.4B	1.33B	1.1B	1.14B
Deferred Tax Liability Non-Current	-	11M	11M	4M	57M
Other Non Current Liabilities	28.64B	30.67B	35.17B	32.1B	43.69B
Total Liabilities	10,680B	11,792B	13,241B	14,770B	16,053B
Preferred Stock Convertible	47.99B	47.99B	-	-	-
Preferred Stock - Others	-120M	-120M	-	-	-
Total Preferred Equity	47.87B	47.87B	-	-	-
Common Stock, Total	86.98B	92.38B	92.38B	99.16B	99.16B
Additional Paid In Capital	97.47B	125B	122B	160B	160B
Retained Earnings	353B	406B	462B	518B	559B
Comprehensive Income and Other	86.15B	122B	147B	177B	211B
Total Common Equity	624B	746B	824B	955B	1,030B
Minority Interest	1.13B	1.46B	1.59B	1.74B	1.98B
Total Equity	673B	796B	826B	957B	1,032B
Total Liabilities And Equity	11,353B	12,588B	14,067B	15,727B	17,085B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	86.98B	92.38B	92.38B	99.16B	99.16B
ECS Total Common Shares Outstanding	86.98B	92.38B	92.38B	99.16B	99.16B
Book Value / Share	6.25	6.89	7.41	7.92	8.37
Tangible Book Value	622B	742B	819B	949B	1,023B
Tangible Book Value Per Share	6.23	6.84	7.35	7.85	8.3
Average Assets	10,966B	12,062B	13,385B	14,968B	16,439B
Average Loans	5,412B	6,133B	6,900B	7,740B	8,602B
Total Debt	158B	191B	365B	641B	526B
Deposits at Interest - Cash	285B	265B	190B	406B	293B
Debt Equivalent of Unfunded Proj. Benefit Obligation	636M	638M	661M	650M	698M
Net Debt	-914B	-1,267B	-1,567B	-1,602B	-1,748B
Equity Method Investments, Total	-	-	653M	673M	733M
Full Time Employees	178K	178K	180K	182K	183K
Number Of Offices	39.63K	39.6K	40K	40K	40K
Assets under Capital Lease - Gross	-	-	-	-	-
Assets under Capital Lease - Accumulated Depreciation	-	-	-	-	-

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	64.2B	76.17B	85.22B	86.27B	86.48B
Depreciation, Depletion & Amortization	8.08B	7.85B	11.41B	12.13B	11.39B
Amortization of Goodwill and Intangible Assets - (CF)	-	61M	-	-	-
Total Depreciation, Depletion & Amortization	8.08B	7.91B	11.41B	12.13B	11.39B
Amortization of Deferred Charges, Total	-	1.12B	-	-	-
(Gain) Loss On Sale of Asset - (CF)	70M	32M	-1M	10M	-19M
(Gain) Loss on Sale of Investments - (CF)	-19.33B	-23.44B	-24.02B	-25.78B	-35.8B
Total Asset Writedown	19M	20M	19M	4M	22M
Provision for Credit Losses	52.38B	46.64B	37.59B	26.88B	30.02B
(Income) Loss On Equity Investments - (CF)	-	-	-3M	-18M	-25M
Change in Trading Asset Securities	7.87B	-	58.12B	-19B	25.21B
Change In Deferred Taxes	-	-6.21B	-	-	-
Change in Other Net Operating Assets (Collected)	-881B	130B	-845B	-917B	-956B
Other Operating Activities	-121B	-122B	-137B	-141B	-132B
Cash from Operations	-889B	110B	-814B	-978B	-970B
Capital Expenditure	-7.57B	-13.85B	-12.4B	-12.96B	-20.35B
Sale of Property, Plant, and Equipment	274M	150M	177M	55M	123M
Investment in Marketable and Equity Securities, Total	-244B	-309B	-628B	-379B	-602B
Other Investing Activities, Total	129B	140B	129B	149B	142B
Cash from Investing	-122B	-183B	-512B	-242B	-480B
Long-Term Debt Issued, Total	59.1B	65.48B	40B	494B	242B
Total Debt Issued	59.1B	65.48B	40B	494B	242B
Long-Term Debt Repaid, Total	-103B	-46.67B	-23.9B	-339B	-265B
Total Debt Repaid	-103B	-46.67B	-23.9B	-339B	-265B
Issuance of Common Stock	84.2B	60B	30B	75B	30B
Issuance of Preferred Stock	-	-	-	-	-
Repurchase of Preferred Stock	-	-	-51.27B	-	-
Common Dividends Paid	-18.28B	-	-	-	-
Preferred Dividends Paid	-2.58B	-	-	-	-
Common & Preferred Stock Dividends Paid	-	-26.53B	-32.56B	-38.04B	-37.65B
Common & Preferred Stock Dividends Paid	-20.87B	-26.53B	-32.56B	-38.04B	-37.65B
Net Increase (Decrease) in Deposit Accounts - (CF)	1,051B	-	1,289B	1,241B	1,368B
Other Financing Activities, Total	-3.04B	-18M	-6M	-21M	-3M
Cash from Financing	1,067B	52.26B	1,251B	1,433B	1,337B
Foreign Exchange Rate Adjustments	-1.27B	-665M	546M	91M	89M
Net Change in Cash	55.18B	-21.76B	-73.78B	213B	-114B
Supplemental Items
Cash Interest Paid	131B	193B	207B	195B	214B
Cash Income Tax Paid (Refund)	8.43B	32.51B	12.66B	12.46B	3.79B
Net Debt Issued / Repaid	-43.54B	18.81B	16.1B	155B	-23.13B

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	0.6	0.64	0.64	0.58	0.53
Return On Equity %	10.56	10.42	10.53	9.7	8.72
Return on Common Equity	11	10.35	10	9.1	8.08
Shareholders Value Added	-3B	-5.98B	-9B	-20.48B	-32.59B
Margin Analysis
SG&A Margin	25.18	69.36	24.73	24.05	23.52
Net Interest Income / Total Revenues %	107.3	99.33	91.18	88.97	89.22
EBT Excl. Non-Recurring Items Margin %	28.85	29.71	30.45	28.92	29.49
Income From Continuing Operations Margin %	27.24	28.22	28.45	27.28	27.04
Net Income Margin %	27.19	28.09	28.4	27.24	26.96
Net Avail. For Common Margin %	26.09	26.14	26.17	25.56	24.99
Normalized Net Income Margin	17.98	18.44	18.99	18.03	18.36
Asset quality
Nonperforming Loans / Total Loans %	0.88	0.79	0.84	0.83	0.9
Nonperforming Loans / Total Assets %	0.44	0.42	0.43	0.43	0.47
Nonperforming Assets / Total Assets %	0.45	0.42	0.43	0.43	0.47
NPAs / Loans and OREO	0.88	0.79	0.84	0.83	0.9
NPAs / Equity	7.51	6.64	7.37	7.06	7.79
Allowance for Credit Losses / Net Charge-offs %	-	-	-	-	-
Allowance for Credit Losses / Nonperforming Loans %	404.82	414.51	383.17	346.35	285.19
Allowance for Credit Losses / Total Loans %	3.57	3.26	3.23	2.87	2.57
Net Charge-offs / Total Average Loans %	-	-	-	-	-
Provision for Loan Losses / Net Charge-offs %	-	-	-	-	-
Earning Assets / IBL	103.64	103.64	101.44	101.37	101.11
Interest Income / Average Assets	3.8	3.74	3.54	3.33	3.09
Interest Expense / Average Assets	1.49	1.51	1.5	1.45	1.35
Net Interest Income / Average Assets	2.31	2.23	2.04	1.88	1.74
Non Interest Income / Average Assets	0.3	0.4	0.46	0.41	0.38
Non Interest Expense / Average Asset	1.53	1.58	1.56	1.5	1.38
Capital And Funding
Total Average Common Equity / Total Average Assets %	5.19	5.72	5.89	5.97	6.05
Total Average Equity / Total Average Assets %	5.65	6.13	6.08	5.98	6.06
Total Equity + Allowance for Loan Losses / Total Loans %	15.32	15.13	14.66	14.58	14.12
Gross Loans / Total Deposits %	54.72	58.14	56.35	57.99	57.79
Net Loans / Total Deposits %	52.77	56.24	54.53	56.32	56.31
Tier 1 Capital Ratio %	11.86	12.39	11.29	11.61	11.89
Total Capital Ratio %	13.88	14.78	13.82	14.23	14.44
Core Tier 1 Capital Ratio	9.6	9.92	9.36	9.53	9.56
Tier 2 Capital Ratio	2.02	2.39	2.53	2.63	2.55
Coverage Ratio	404.77	414.68	382.56	346	284.8
Interbank Ratio	389.33	274.16	227.65	209.03	222.65
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.42	1.45	1.46	1.42	1.43
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	4.41	6.32	1.56	3	1.53
Non Interest Income, 1 Yr. Growth %	-3.69	51.26	24.28	-1.12	3.11
Provision For Loan Losses, 1 Yr. Growth %	-9	-7.46	-24.25	-25.93	8.62
Total Revenues, 1 Yr. Growth %	6.5	15.4	10.13	5.56	1.25
Earnings From Cont. Operations, 1 Yr. Growth %	5.38	18.99	11.53	1.25	0.34
Net Income, 1 Yr. Growth %	5.36	18.65	11.89	1.23	0.24
Normalized Net Income, 1 Yr. Growth %	6.87	19.73	12.71	0.22	3.13
Diluted EPS Before Extra, 1 Yr. Growth %	-1.31	9.85	9.13	-2.34	-2.64
Dividend Per Share, 1 Yr. Growth %	-0.81	18.66	4.24	1.2	0.23
Gross Loans, 1 Yr. Growth %	14.92	12.34	11.72	13.02	9.38
Allowance For Loan Losses, 1 Yr. Growth %	22.74	6.64	7.3	0.4	-1.96
Net Loans, 1 Yr. Growth %	14.65	12.55	11.87	13.44	9.71
Non Performing Loans, 1 Yr. Growth %	17.56	4.6	15.28	11.07	19.06
Non Performing Assets, 1 Yr. Growth %	17.47	4.53	15.16	10.96	18.97
Total Assets, 1 Yr. Growth %	11.12	10.87	11.75	11.8	8.64
Total Deposits, 1 Yr Growth %	11.56	10.2	11.16	9.83	9.76
Tangible Book Value, 1 Yr. Growth %	25.85	19.77	10.05	15.88	7.82
Average Interest Earning Assets, 1 Yr. Growth %	9.07	9.18	8.84	12.41	9.51
Average Interest Bearing Liabilities, 1 Yr. Growth %	8.71	9.18	11.2	12.49	9.79
Common Equity, 1 Yr. Growth %	25.79	19.6	10.45	15.85	7.83
Total Equity, 1 Yr. Growth %	23.5	18.22	3.8	15.84	7.84
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	4.03	5.36	3.91	2.28	2.26
Non Interest Income, 2 Yr. CAGR %	11.97	18.64	36.52	10.86	0.98
Provision For Loan Losses, 2 Yr. CAGR %	-4.63	-8.23	-16.28	-25.1	-10.3
Total Revenues, 2 Yr. CAGR %	7.29	10.59	12.73	7.82	3.38
Earnings From Cont. Operations, 2 Yr. CAGR %	10.81	11.98	15.2	6.27	0.79
Net Income, 2 Yr. CAGR %	10.78	11.81	15.22	6.42	0.73
Normalized Net Income, 2 Yr. CAGR %	13.29	12.17	15.83	6.28	1.66
Diluted EPS Before Extra, 2 Yr. CAGR %	7.27	4.12	9.49	3.24	-2.49
Dividend Per Share, 2 Yr. CAGR %	3.75	8.49	11.22	2.71	0.71
Gross Loans, 2 Yr. CAGR %	12.82	15.99	12.31	12.37	11.18
Allowance For Loan Losses, 2 Yr. CAGR %	25.82	14.66	6.84	3.79	-0.79
Net Loans, 2 Yr. CAGR %	12.41	16.03	12.51	12.65	11.56
Non Performing Loans, 2 Yr. CAGR %	16.85	10.89	9.81	13.16	15
Non Performing Assets, 2 Yr. CAGR %	16.79	10.81	9.72	13.04	14.9
Total Assets, 2 Yr. CAGR %	9.23	11	11.31	11.77	10.2
Total Deposits, 2 Yr CAGR %	9.56	10.88	10.67	10.49	9.79
Tangible Book Value, 2 Yr. CAGR %	21.21	22.58	14.77	12.93	11.78
Average Interest Earning Assets, 2 Yr. CAGR %	9.26	9.13	9.01	10.61	10.95
Average Interest Bearing Liabilities, 2 Yr. CAGR %	8.24	8.94	10.19	11.84	11.13
Common Equity, 2 Yr. CAGR %	20.95	22.66	14.94	13.12	11.77
Total Equity, 2 Yr. CAGR %	18.99	20.83	10.78	9.66	11.77
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	10.44	4.79	4.08	3.61	2.03
Non Interest Income, 3 Yr. CAGR %	-3.37	22.37	21.53	22.6	8.21
Provision For Loan Losses, 3 Yr. CAGR %	23.53	-5.59	-13.92	-19.63	-15.22
Total Revenues, 3 Yr. CAGR %	6.02	9.75	10.61	10.28	5.58
Earnings From Cont. Operations, 3 Yr. CAGR %	10.47	13.47	11.83	10.35	4.25
Net Income, 3 Yr. CAGR %	10.42	13.34	11.83	10.35	4.32
Normalized Net Income, 3 Yr. CAGR %	9.98	14.75	12.76	10.37	5.22
Diluted EPS Before Extra, 3 Yr. CAGR %	6.4	8.13	5.76	5.4	1.24
Dividend Per Share, 3 Yr. CAGR %	12.33	8.5	7.05	7.77	1.88
Gross Loans, 3 Yr. CAGR %	16.34	14.22	13.17	12.55	11.36
Allowance For Loan Losses, 3 Yr. CAGR %	32.04	19.24	11.89	4.64	1.83
Net Loans, 3 Yr. CAGR %	15.89	14.06	13.22	12.82	11.66
Non Performing Loans, 3 Yr. CAGR %	22.69	12.62	12.34	10.23	15.09
Non Performing Assets, 3 Yr. CAGR %	22.57	12.55	12.25	10.13	14.99
Total Assets, 3 Yr. CAGR %	8	9.77	11.25	11.47	10.72
Total Deposits, 3 Yr CAGR %	8.79	9.77	10.97	10.39	10.24
Tangible Book Value, 3 Yr. CAGR %	17.87	20.6	18.35	15.14	11.2
Average Interest Earning Assets, 3 Yr. CAGR %	10.16	9.24	9.03	10.13	10.24
Average Interest Bearing Liabilities, 3 Yr. CAGR %	7.44	8.55	9.69	10.95	11.16
Common Equity, 3 Yr. CAGR %	17.65	20.5	18.45	15.24	11.33
Total Equity, 3 Yr. CAGR %	15.98	18.73	14.87	12.44	9.05
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	7.17	11.32	7.78	3.78	3.35
Non Interest Income, 5 Yr. CAGR %	23.86	8.64	10.95	18.24	12.85
Provision For Loan Losses, 5 Yr. CAGR %	14.48	22.51	5.73	-13.93	-12.49
Total Revenues, 5 Yr. CAGR %	7.43	9.45	8.66	9.08	7.66
Earnings From Cont. Operations, 5 Yr. CAGR %	13.03	13.98	12.34	10.53	7.28
Net Income, 5 Yr. CAGR %	12.99	13.86	12.32	10.52	7.25
Normalized Net Income, 5 Yr. CAGR %	10.42	13.24	12.29	11.53	8.18
Diluted EPS Before Extra, 5 Yr. CAGR %	3.11	7.2	7.63	6.14	2.38
Dividend Per Share, 5 Yr. CAGR %	-	27.4	11.88	6.15	4.47
Gross Loans, 5 Yr. CAGR %	18.25	17.32	14.71	12.66	12.37
Allowance For Loan Losses, 5 Yr. CAGR %	28.04	25.05	21.32	12.65	6.64
Net Loans, 5 Yr. CAGR %	17.97	17.11	14.53	12.66	12.55
Non Performing Loans, 5 Yr. CAGR %	20.44	14.91	17.37	12.83	13.39
Non Performing Assets, 5 Yr. CAGR %	20.53	14.86	17.26	12.75	13.3
Total Assets, 5 Yr. CAGR %	9.25	8.78	9.31	10.57	10.83
Total Deposits, 5 Yr CAGR %	10.31	8.75	9.54	10.06	10.5
Tangible Book Value, 5 Yr. CAGR %	18.41	16.69	16.62	17.53	15.68
Average Interest Earning Assets, 5 Yr. CAGR %	10.17	10.19	9.7	9.78	9.8
Average Interest Bearing Liabilities, 5 Yr. CAGR %	10.12	8.06	8.53	9.86	10.26
Common Equity, 5 Yr. CAGR %	18.2	16.58	16.56	17.49	15.73
Total Equity, 5 Yr. CAGR %	19.96	18.06	13.87	15.01	13.62