Financial Ratios UBS Group AG

Equities

UBSG

CH0244767585

Investment Management & Fund Operators

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Jan. 22	Eroad Says UBS Group Becomes Substantial Holder	MT
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Published financial data: UBS GROUP AG

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020 (USD)	2021 (USD)	2022 (USD)	2023 (USD)	2024 (USD)
Interest Income On Loans	9.49B	9.96B	13.18B	31.74B	35.99B
Interest Income On Investments	1.5B	-	-	3.77B	7.06B
Interest Income, Total	11B	9.96B	13.18B	35.51B	43.06B
Interest On Deposits	4.25B	3.26B	6.56B	28.22B	35.95B
Total Interest On Borrowings	886M	-	-	-	-
Interest Expense, Total	5.13B	3.26B	6.56B	28.22B	35.95B
Net Interest Income	5.86B	6.7B	6.62B	7.3B	7.11B
Income From Trading Activities	-	-	-	-	-
Gain (Loss) on Sale of Assets	922M	200M	284M	12M	96M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	66M	50M	843M	7M	135M
Income (Loss) on Equity Invest. (Income Block)	58M	105M	32M	-348M	144M
Total Other Non Interest Income	26.17B	28.29B	26.66B	33.68B	41.1B
Non Interest Income, Total	27.22B	28.65B	27.82B	33.35B	41.47B
Revenues Before Provison For Loan Losses	33.08B	35.35B	34.44B	40.65B	48.58B
Provision For Loan Losses	694M	-148M	29M	1.04B	551M
Total Revenues	32.39B	35.5B	34.42B	39.61B	48.03B
Salaries And Other Employee Benefits	16.44B	17.45B	17.68B	22.71B	24.67B
Amort. of Goodwill & Intang. Assets	55M	-	-	-	-
Occupancy Expense	2B	2.11B	2.06B	2.31B	3.32B
Selling General & Admin Expenses, Total	5.67B	6.29B	5.19B	8.72B	8.74B
Total Other Non Interest Expense	-	-	-	2M	-1M
Non Interest Expense, Total	24.16B	25.85B	24.93B	33.74B	36.73B
EBT, Excl. Unusual Items	8.22B	9.65B	9.49B	5.88B	11.3B
Restructuring Charges	-	-200M	-	-	-104M
Total Merger & Related Restructuring Charges	-	-	-	-4.48B	-4.65B
Impairment of Goodwill	-	-	-	-	-
Asset Writedown	-74M	-10M	-3M	-593M	-53M
Other Unusual Items	4M	40M	119M	27.93B	330M
EBT, Incl. Unusual Items	8.16B	9.48B	9.6B	28.74B	6.82B
Income Tax Expense	1.58B	2B	1.94B	873M	1.68B
Earnings From Continuing Operations	6.57B	7.49B	7.66B	27.86B	5.14B
Net Income to Company	6.57B	7.49B	7.66B	27.86B	5.14B
Minority Interest	-15M	-29M	-32M	-16M	-60M
Net Income - (IS)	6.56B	7.46B	7.63B	27.85B	5.08B
Net Income to Common Incl Extra Items	6.56B	7.46B	7.63B	27.85B	5.08B
Net Income to Common Excl. Extra Items	6.56B	7.46B	7.63B	27.85B	5.08B
Per Share Items
Net EPS - Basic	1.83	2.14	2.34	8.83	1.59
Basic EPS - Continuing Operations	1.83	2.14	2.34	8.83	1.59
Basic Weighted Average Shares Outstanding	3.58B	3.48B	3.26B	3.15B	3.2B
Net EPS - Diluted	1.77	2.06	2.25	8.45	1.52
Diluted EPS - Continuing Operations	1.77	2.06	2.25	8.45	1.52
Diluted Weighted Average Shares Outstanding	3.71B	3.63B	3.4B	3.3B	3.35B
Normalized Basic EPS	1.43	1.72	1.81	1.16	2.19
Normalized Diluted EPS	1.38	1.66	1.74	1.11	2.09
Dividend Per Share	0.37	0.5	0.55	0.7	0.9
Payout Ratio	39.76	17.45	21.86	6.03	44.37
American Depositary Receipts Ratio (ADR)	1	1	1	1	1
Supplemental Items
Effective Tax Rate - (Ratio)	19.41	21.07	20.22	3.04	24.56
Current Domestic Taxes	482M	680M	730M	883M	672M
Current Foreign Taxes	749M	884M	718M	684M	1.5B
Total Current Taxes	1.23B	1.56B	1.45B	1.57B	2.17B
Deferred Domestic Taxes	116M	34M	-15M	152M	296M
Deferred Foreign Taxes	236M	400M	509M	-846M	-791M
Total Deferred Taxes	352M	434M	494M	-694M	-495M
Normalized Net Income	5.13B	6B	5.9B	3.66B	7B
Non-Cash Pension Expense	27M	-56M	-10M	236M	-76M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	786M	736M	-	-	-
Total Stock-Based Compensation	786M	736M	-	-	-

Fiscal Period: December	2020 (USD)	2021 (USD)	2022 (USD)	2023 (USD)	2024 (USD)
Assets
Cash And Equivalents	170B	203B	179B	329B	237B
Investment Securities, Total	116B	83.75B	104B	153B	136B
Trading Asset Securities, Total	285B	206B	200B	262B	273B
Total investments	401B	289B	304B	414B	409B
Gross Loans	382B	410B	398B	658B	598B
Allowance For Loan Losses	-1.47B	-1.25B	-1.15B	-2.31B	-2.1B
Other Adjustments to Gross Loans	-60M	-	-	-	-
Net Loans	381B	409B	397B	655B	596B
Gross Property Plant And Equipment	18.47B	18.47B	17.18B	24.19B	22.96B
Accumulated Depreciation	-9.14B	-9.42B	-9.14B	-11.75B	-12.35B
Net Property Plant And Equipment	9.33B	9.05B	8.04B	12.44B	10.61B
Goodwill	6.18B	6.13B	6.04B	6.04B	5.99B
Other Intangibles, Total	4.08B	4.09B	4.47B	6.89B	5.78B
Accrued Interest Receivable	-	520M	1.26B	3.16B	2.12B
Other Receivables	99.44B	99.57B	88.75B	127B	151B
Restricted Cash	36.47B	33.92B	38.72B	54B	47.4B
Other Current Assets, Total	9.01B	52.41B	65.72B	94.8B	84.18B
Deferred Tax Assets Long-Term (Collected)	9.21B	8.88B	9.39B	10.68B	11.13B
Other Long-Term Assets, Total	326M	1.08B	1.75B	2.68B	4.41B
Total Assets	1,126B	1,117B	1,104B	1,717B	1,565B
Liabilities
Accrued Expenses, Total	45.85B	51.51B	52.18B	54.15B	60.3B
Interest Bearing Deposits	288B	296B	344B	551B	524B
Non-Interest Bearing Deposits	236B	246B	181B	241B	222B
Total Deposits	525B	542B	525B	792B	746B
Short-Term Borrowings	215B	171B	200B	238B	217B
Current Portion of Long-Term Debt	50.02B	54.97B	15.8B	85.36B	59.97B
Current Portion of Leases	700M	700M	700M	1B	800M
Long-Term Debt	121B	134B	159B	328B	270B
Long-Term Leases	3.23B	2.86B	2.63B	4.5B	3.8B
Current Income Taxes Payable	1.01B	1.4B	1.07B	1.46B	1.67B
Accrued Interest Payable	1.36B	1.09B	1.95B	6.69B	5.88B
Other Current Liabilities - (Bank / Utility Template)	70.91B	64.78B	65.95B	75.74B	71.94B
Unearned Revenue Non Current	228M	240M	235M	635M	555M
Pension & Other Post Retirement Benefits	722M	633M	469M	796M	763M
Deferred Tax Liability Non-Current	564M	300M	236M	325M	340M
Other Non Current Liabilities	30.57B	31.38B	22.38B	42.22B	40.9B
Total Liabilities	1,066B	1,056B	1,047B	1,631B	1,479B
Common Stock, Total	338M	322M	304M	346M	346M
Additional Paid In Capital	16.75B	15.93B	13.55B	13.22B	12.01B
Retained Earnings	38.78B	43.85B	50B	74.88B	78.04B
Treasury Stock	-4.07B	-4.68B	-6.87B	-4.8B	-6.4B
Comprehensive Income and Other	7.65B	5.24B	-104M	2.46B	1.09B
Total Common Equity	59.44B	60.66B	56.88B	86.11B	85.08B
Minority Interest	319M	340M	342M	531M	494M
Total Equity	59.76B	61B	57.22B	86.64B	85.57B
Total Liabilities And Equity	1,126B	1,117B	1,104B	1,717B	1,565B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	3.55B	3.4B	3.11B	3.21B	3.17B
ECS Total Common Shares Outstanding	3.55B	3.4B	3.11B	3.21B	3.17B
Book Value / Share	16.74	17.84	18.3	26.83	26.8
Tangible Book Value	49.18B	50.45B	46.36B	73.18B	73.31B
Tangible Book Value Per Share	13.85	14.84	14.92	22.81	23.09
Tangible Book Value Per Share (As Reported)	14.91	15.97	16.28	24.49	24.63
Average Assets	-	-	1,193B	1,493B	1,711B
Average Loans	-	-	400B	538B	628B
Total Debt	390B	363B	378B	657B	551B
Deposits at Interest - Cash	15.44B	15.17B	25.96B	26.24B	20.5B
Debt Equivalent of Unfunded Proj. Benefit Obligation	-4.3B	-6.36B	-7.83B	-9.86B	-7.62B
Net Debt	-64.51B	-45.97B	-1.87B	65.34B	40.77B
Equity Method Investments, Total	1.56B	1.24B	1.1B	2.37B	2.31B
Full Time Employees	71.55K	71.38K	72.6K	113K	109K
Number Of Offices	-	-	-	-	-

Fiscal Period: December	2020 (USD)	2021 (USD)	2022 (USD)	2023 (USD)	2024 (USD)
Net Income	6.56B	7.46B	7.63B	27.85B	5.08B
Depreciation, Depletion & Amortization	1.18B	1.13B	1.03B	1.55B	1.77B
Amortization of Goodwill and Intangible Assets - (CF)	55M	31M	26M	134M	190M
Total Depreciation, Depletion & Amortization	1.24B	1.16B	1.05B	1.69B	1.96B
Amortization of Deferred Charges, Total	814M	945M	1B	1.47B	1.79B
(Gain) Loss On Sale of Asset - (CF)	-698M	-230M	-1.47B	-102M	101M
Total Asset Writedown	74M	10M	3M	593M	53M
Restructuring Activities	-	-	-	-	-
Provision for Credit Losses	694M	-148M	29M	1.04B	551M
(Income) Loss On Equity Investments - (CF)	-84M	-105M	-32M	348M	-144M
Change in Trading Asset Securities	11.26B	-10.52B	8.01B	3.67B	-13.59B
Change in Other Net Operating Assets (Collected)	-29.24B	-206M	10.22B	33.64B	7.86B
Other Operating Activities	-5.47B	3.23B	-11.8B	-36.92B	14.69B
Cash from Operations	-14.85B	1.6B	14.65B	33.28B	18.35B
Capital Expenditure	-1.85B	-1.84B	-1.64B	-1.68B	-2.01B
Sale of Property, Plant, and Equipment	366M	295M	161M	65M	108M
Cash Acquisitions	-46M	-1M	-3M	109B	-64M
Divestitures	674M	593M	1.73B	121M	256M
Investment in Marketable and Equity Securities, Total	-5.93B	-1.16B	-12.69B	-3.78B	2.42B
Other Investing Activities, Total	1M	-	-	-	-2M
Cash from Investing	-6.78B	-2.12B	-12.45B	103B	709M
Short Term Debt Issued, Total	23.84B	-	-	3.17B	-
Long-Term Debt Issued, Total	80.26B	98.27B	79.12B	110B	106B
Total Debt Issued	104B	98.27B	79.12B	113B	106B
Short Term Debt Repaid, Total	-	-3.09B	-12.25B	-	-7.41B
Long-Term Debt Repaid, Total	-87.67B	-79.91B	-67.67B	-166B	-177B
Total Debt Repaid	-87.67B	-83B	-79.92B	-166B	-184B
Repurchase of Common Stock	-1.39B	-3.34B	-6.01B	-2.78B	-2.92B
Common Dividends Paid	-2.61B	-1.3B	-1.67B	-1.68B	-2.26B
Common & Preferred Stock Dividends Paid	-2.61B	-1.3B	-1.67B	-1.68B	-2.26B
Net Increase (Decrease) in Deposit Accounts - (CF)	51.8B	29.82B	-	52.79B	-15.07B
Special Dividend Paid	-	-	-	-	-
Other Financing Activities, Total	-7M	-283M	-616M	-721M	-987M
Cash from Financing	64.24B	40.17B	-9.09B	-5.48B	-99.24B
Foreign Exchange Rate Adjustments	11.05B	-5.31B	-5.66B	13.96B	-15.94B
Miscellaneous Cash Flow Adjustments	-	-	-1M	-	-
Net Change in Cash	53.66B	34.34B	-12.55B	145B	-96.12B
Supplemental Items
Cash Interest Paid	6.32B	4.71B	8.2B	35.97B	48.25B
Cash Income Tax Paid (Refund)	1B	1.13B	1.58B	1.85B	1.94B
Net Debt Issued / Repaid	16.43B	15.27B	-804M	-53.08B	-78B

Fiscal Period: December	2020 (USD)	2021 (USD)	2022 (USD)	2023 (USD)	2024 (USD)
Profitability
Return on Assets	0.63	0.67	0.69	1.98	0.31
Return On Equity %	11.49	12.4	12.96	38.74	5.99
Return on Common Equity	11.51	12.42	12.98	38.95	5.96
Shareholders Value Added	-225M	407M	604M	22.2B	-1.99B
Margin Analysis
SG&A Margin	74.43	72.81	72.43	85.16	76.48
Net Interest Income / Total Revenues %	18.1	18.89	19.24	18.42	14.8
EBT Excl. Non-Recurring Items Margin %	25.4	27.19	27.57	14.84	23.53
Income From Continuing Operations Margin %	20.29	21.09	22.26	70.34	10.71
Net Income Margin %	20.25	21	22.17	70.3	10.59
Net Avail. For Common Margin %	20.25	21	22.17	70.3	10.59
Normalized Net Income Margin	15.83	16.91	17.14	9.23	14.58
Asset quality
Nonperforming Loans / Total Loans %	0.83	0.58	0.59	0.88	1.01
Nonperforming Loans / Total Assets %	0.28	0.21	0.21	0.34	0.39
Nonperforming Assets / Total Assets %	0.28	0.21	0.21	0.34	0.39
NPAs / Loans and OREO	0.83	0.58	0.59	0.88	1.01
NPAs / Equity	5.31	3.91	4.08	6.7	7.06
Allowance for Credit Losses / Net Charge-offs %	421.84	1.06K	1.55K	2.96K	639.21
Allowance for Credit Losses / Nonperforming Loans %	46.22	52.41	49.29	39.79	34.79
Allowance for Credit Losses / Total Loans %	0.38	0.3	0.29	0.35	0.35
Net Charge-offs / Total Average Loans %	-	-	0.02	0.01	0.05
Provision for Loan Losses / Net Charge-offs %	199.43	-125.42	39.19	1.33K	167.48
Earning Assets / IBL	-	-	96.4	97.47	98.07
Interest Income / Average Assets	-	-	1.1	2.38	2.52
Interest Expense / Average Assets	-	-	0.55	1.89	2.1
Net Interest Income / Average Assets	-	-	0.55	0.49	0.42
Non Interest Income / Average Assets	-	-	2.33	2.23	2.42
Non Interest Expense / Average Asset	-	-	2.09	2.26	2.15
Capital And Funding
Total Average Common Equity / Total Average Assets %	5.43	5.35	5.29	5.07	5.2
Total Average Equity / Total Average Assets %	5.45	5.38	5.32	5.1	5.23
Total Equity + Allowance for Loan Losses / Total Loans %	15.93	15.09	14.58	13.45	14.57
Gross Loans / Total Deposits %	72.91	75.69	75.8	83.02	80.22
Net Loans / Total Deposits %	72.62	75.46	75.58	82.73	79.94
Tier 1 Capital Ratio %	19.43	20.02	18.25	16.9	17.6
Total Capital Ratio %	21.18	20.49	18.4	16.9	17.6
Core Tier 1 Capital Ratio	13.8	14.98	14.22	14.36	14.32
Tier 2 Capital Ratio	1.75	0.48	0.15	0	0
Equity Tier 1 Capital Ratio	18.32	17.96	15.84	14.38	15.68
Coverage Ratio	49.88	71.9	53.79	60.08	43.87
Interbank Ratio	106.01	92.15	95.75	25.77	68.66
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	10.2	-	-	-	-
EBT + Interest Expense / Interest Expense	2.59	3.91	2.46	2.02	1.19
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	30.21	14.38	-1.25	10.21	-2.59
Non Interest Income, 1 Yr. Growth %	11.23	5.26	-3.26	20.43	24.34
Provision For Loan Losses, 1 Yr. Growth %	789.74	-121.33	-119.59	3.48K	-46.87
Total Revenues, 1 Yr. Growth %	12.09	9.62	-3.36	15.53	21.24
Earnings From Cont. Operations, 1 Yr. Growth %	52.48	13.91	2.35	263.68	-81.21
Net Income, 1 Yr. Growth %	52.35	13.73	2.32	264.99	-81.42
Normalized Net Income, 1 Yr. Growth %	43.49	15.68	-0.86	-37.15	90.48
Diluted EPS Before Extra, 1 Yr. Growth %	55.13	16.48	9.22	275.56	-81.69
Dividend Per Share, 1 Yr. Growth %	-49.32	35.14	10	27.27	28.57
Gross Loans, 1 Yr. Growth %	16.27	3.83	-2.99	65.79	-8.93
Allowance For Loan Losses, 1 Yr. Growth %	42.66	-20.62	-8.07	100.87	13.74
Net Loans, 1 Yr. Growth %	16.2	3.93	-2.97	65.69	-8.99
Non Performing Loans, 1 Yr. Growth %	28.79	-24.84	-2.26	148.86	4.1
Non Performing Assets, 1 Yr. Growth %	28.79	-24.84	-2.26	148.86	4.1
Total Assets, 1 Yr. Growth %	15.8	-0.76	-1.15	55.5	-8.85
Total Deposits, 1 Yr Growth %	17.03	3.32	-3.13	50.85	-5.84
Tangible Book Value, 1 Yr. Growth %	10.19	2.57	-8.1	57.84	0.84
Average Interest Earning Assets, 1 Yr. Growth %	-	-	-0.46	29.77	16.45
Average Interest Bearing Liabilities, 1 Yr. Growth %	-	-	-1.16	28.34	15.74
Common Equity, 1 Yr. Growth %	9.07	2.05	-6.24	51.4	-0.64
Total Equity, 1 Yr. Growth %	9.31	2.07	-6.2	51.42	-0.68
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	7.76	22.05	6.28	4.32	3.61
Non Interest Income, 2 Yr. CAGR %	3.17	8.13	1.11	7.69	22.61
Provision For Loan Losses, 2 Yr. CAGR %	142.52	37.75	-79.56	164.7	335.89
Total Revenues, 2 Yr. CAGR %	3.04	10.78	3.08	5.47	18.55
Earnings From Cont. Operations, 2 Yr. CAGR %	20.54	31.79	7.97	92.93	-18.06
Net Income, 2 Yr. CAGR %	20.5	31.63	7.87	93.25	-18.36
Normalized Net Income, 2 Yr. CAGR %	14.37	29.68	7.76	-21.55	10.26
Diluted EPS Before Extra, 2 Yr. CAGR %	22.68	34.43	12.79	102.53	-17.81
Dividend Per Share, 2 Yr. CAGR %	-27.88	-17.24	21.92	18.32	27.92
Gross Loans, 2 Yr. CAGR %	8.88	11.67	0.36	26.61	22.82
Allowance For Loan Losses, 2 Yr. CAGR %	21.04	10.26	-14.58	35.89	35.23
Net Loans, 2 Yr. CAGR %	8.85	11.69	0.42	26.58	22.78
Non Performing Loans, 2 Yr. CAGR %	14.58	-1.61	-14.29	55.96	60.96
Non Performing Assets, 2 Yr. CAGR %	13.19	-1.61	-14.29	55.96	60.96
Total Assets, 2 Yr. CAGR %	8.38	7.2	-0.96	23.98	19.04
Total Deposits, 2 Yr CAGR %	11.78	9.96	0.04	20.88	19.18
Tangible Book Value, 2 Yr. CAGR %	6.64	6.31	-2.91	20.44	25.74
Average Interest Earning Assets, 2 Yr. CAGR %	-	-	1.87	13.65	22.93
Average Interest Bearing Liabilities, 2 Yr. CAGR %	-	-	2.22	12.63	21.88
Common Equity, 2 Yr. CAGR %	5.98	5.5	-2.18	19.14	22.31
Total Equity, 2 Yr. CAGR %	6.09	5.63	-2.15	19.17	22.29
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-1.16	9.92	13.73	7.57	1.96
Non Interest Income, 3 Yr. CAGR %	4.79	3.86	4.33	7.01	12.98
Provision For Loan Losses, 3 Yr. CAGR %	74.33	7.84	-28.09	14.32	54.99
Total Revenues, 3 Yr. CAGR %	3.05	5.19	5.96	6.94	10.48
Earnings From Cont. Operations, 3 Yr. CAGR %	84.52	18.29	21.14	61.85	-11.75
Net Income, 3 Yr. CAGR %	89.14	18.2	21.03	61.95	-11.98
Normalized Net Income, 3 Yr. CAGR %	8.69	15.29	18.21	-10.37	5.62
Diluted EPS Before Extra, 3 Yr. CAGR %	91.97	20.58	25.44	68.43	-9.64
Dividend Per Share, 3 Yr. CAGR %	-17.83	-11.09	-9.01	23.68	21.64
Gross Loans, 3 Yr. CAGR %	4.68	8.34	6.55	18.51	13.4
Allowance For Loan Losses, 3 Yr. CAGR %	9.54	7.68	3.78	13.59	18.9
Net Loans, 3 Yr. CAGR %	4.65	8.35	6.57	18.53	13.39
Non Performing Loans, 3 Yr. CAGR %	13.91	-0.44	-1.83	22.27	36.3
Non Performing Assets, 3 Yr. CAGR %	12.85	-1.25	-1.83	22.27	36.3
Total Assets, 3 Yr. CAGR %	6.22	5.24	4.34	15.11	11.89
Total Deposits, 3 Yr CAGR %	7.73	8.89	5.41	14.72	11.22
Tangible Book Value, 3 Yr. CAGR %	4.29	5.27	1.28	14.16	13.27
Average Interest Earning Assets, 3 Yr. CAGR %	-	-	-	10.43	14.58
Average Interest Bearing Liabilities, 3 Yr. CAGR %	-	-	-	10.28	13.66
Common Equity, 3 Yr. CAGR %	4.23	4.65	1.43	13.15	11.94
Total Equity, 3 Yr. CAGR %	4.38	4.73	1.53	13.18	11.94
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	-5.08	0.66	1.75	7.65	9.57
Non Interest Income, 5 Yr. CAGR %	0.08	5.07	3.3	5.46	11.1
Provision For Loan Losses, 5 Yr. CAGR %	39.32	31.25	-26.04	54.45	47.85
Total Revenues, 5 Yr. CAGR %	-1.31	4.26	3.07	5.37	10.67
Earnings From Cont. Operations, 5 Yr. CAGR %	-1.86	16.88	48.92	43.86	3.61
Net Income, 5 Yr. CAGR %	-1.33	17.37	51.09	43.88	3.39
Normalized Net Income, 5 Yr. CAGR %	2.41	11.2	8.12	-1.37	14.42
Diluted EPS Before Extra, 5 Yr. CAGR %	-0.94	18.54	55.18	48.38	5.92
Dividend Per Share, 5 Yr. CAGR %	-11.41	-3.28	-3.78	-0.32	4.28
Gross Loans, 5 Yr. CAGR %	1.11	6.37	3.6	15.31	12.71
Allowance For Loan Losses, 5 Yr. CAGR %	13.52	-	0.58	18.18	15.37
Net Loans, 5 Yr. CAGR %	1.07	6.31	3.61	15.3	12.7
Non Performing Loans, 5 Yr. CAGR %	11.51	0.25	1.66	19.14	19.64
Non Performing Assets, 5 Yr. CAGR %	10.91	-	1.09	18.56	19.64
Total Assets, 5 Yr. CAGR %	1.1	3.98	3.29	12.37	9.99
Total Deposits, 5 Yr CAGR %	3.53	5.42	4.59	13.54	10.72
Tangible Book Value, 5 Yr. CAGR %	-1.74	1.65	1.35	11.09	10.43
Average Interest Earning Assets, 5 Yr. CAGR %	-	-	-	-	-
Average Interest Bearing Liabilities, 5 Yr. CAGR %	-	-	-	-	-
Common Equity, 5 Yr. CAGR %	-1	2.77	1.62	10.22	9.32
Total Equity, 5 Yr. CAGR %	-1.6	2.63	1.72	10.29	9.37