Income Statement UBS Group AG

Equities

UBSG

CH0244767585

Investment Management & Fund Operators

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Published financial data: UBS GROUP AG

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021 (USD)	2022 (USD)	2023 (USD)	2024 (USD)	2025 (USD)
Interest Income On Loans	9.96B	13.18B	31.74B	35.99B	27.95B
Interest Income On Investments	-	-	3.77B	7.06B	6.34B
Interest Income, Total	9.96B	13.18B	35.51B	43.06B	34.29B
Interest On Deposits	3.26B	6.56B	28.22B	35.95B	26.54B
Total Interest On Borrowings	-	-	-	-	-
Interest Expense, Total	3.26B	6.56B	28.22B	35.95B	26.54B
Net Interest Income	6.7B	6.62B	7.3B	7.11B	7.75B
Income From Trading Activities	-	-	-	-	-
Gain (Loss) on Sale of Assets	200M	284M	12M	96M	278M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	50M	843M	7M	135M	3M
Income (Loss) on Equity Invest. (Income Block)	105M	32M	-348M	144M	79M
Total Other Non Interest Income	28.29B	26.66B	33.68B	41.1B	42.01B
Non Interest Income, Total	28.65B	27.82B	33.35B	41.47B	42.37B
Revenues Before Provison For Loan Losses	35.35B	34.44B	40.65B	48.58B	50.12B
Provision For Loan Losses	-148M	29M	1.04B	551M	524M
Total Revenues	35.5B	34.42B	39.61B	48.03B	49.6B
Salaries And Other Employee Benefits	17.45B	17.68B	22.71B	24.67B	25.27B
Amort. of Goodwill & Intang. Assets	-	-	-	-	-
Occupancy Expense	2.11B	2.06B	2.31B	3.32B	3.12B
Selling General & Admin Expenses, Total	6.29B	5.19B	8.72B	8.74B	7.31B
Total Other Non Interest Expense	-	-	2M	-1M	-
Non Interest Expense, Total	25.85B	24.93B	33.74B	36.73B	35.7B
EBT, Excl. Unusual Items	9.65B	9.49B	5.88B	11.3B	13.9B
Restructuring Charges	-200M	-	-	-104M	-120M
Total Merger & Related Restructuring Charges	-	-	-4.48B	-4.65B	-4.31B
Impairment of Goodwill	-	-	-	-	-
Asset Writedown	-10M	-3M	-593M	-53M	-69M
Other Unusual Items	40M	119M	27.93B	330M	-546M
EBT, Incl. Unusual Items	9.48B	9.6B	28.74B	6.82B	8.85B
Income Tax Expense	2B	1.94B	873M	1.68B	1.06B
Earnings From Continuing Operations	7.49B	7.66B	27.86B	5.14B	7.8B
Net Income to Company	7.49B	7.66B	27.86B	5.14B	7.8B
Minority Interest	-29M	-32M	-16M	-60M	-30M
Net Income - (IS)	7.46B	7.63B	27.85B	5.08B	7.77B
Net Income to Common Incl Extra Items	7.46B	7.63B	27.85B	5.08B	7.77B
Net Income to Common Excl. Extra Items	7.46B	7.63B	27.85B	5.08B	7.77B
Per Share Items
Net EPS - Basic	2.14	2.34	8.83	1.59	2.46
Basic EPS - Continuing Operations	2.14	2.34	8.83	1.59	2.46
Basic Weighted Average Shares Outstanding	3.48B	3.26B	3.15B	3.2B	3.15B
Net EPS - Diluted	2.06	2.25	8.45	1.52	2.36
Diluted EPS - Continuing Operations	2.06	2.25	8.45	1.52	2.36
Diluted Weighted Average Shares Outstanding	3.63B	3.4B	3.3B	3.35B	3.29B
Normalized Basic EPS	1.72	1.81	1.16	2.19	2.75
Normalized Diluted EPS	1.66	1.74	1.11	2.09	2.63
Dividend Per Share	0.5	0.55	0.7	0.9	1.1
Payout Ratio	17.45	21.86	6.03	44.37	36.9
American Depositary Receipts Ratio (ADR)	1	1	1	1	1
Supplemental Items
Effective Tax Rate - (Ratio)	21.07	20.22	3.04	24.56	11.93
Current Domestic Taxes	680M	730M	883M	672M	597M
Current Foreign Taxes	884M	718M	684M	1.5B	841M
Total Current Taxes	1.56B	1.45B	1.57B	2.17B	1.44B
Deferred Domestic Taxes	34M	-15M	152M	296M	323M
Deferred Foreign Taxes	400M	509M	-846M	-791M	-705M
Total Deferred Taxes	434M	494M	-694M	-495M	-382M
Normalized Net Income	6B	5.9B	3.66B	7B	8.66B
Non-Cash Pension Expense	-56M	-10M	236M	-76M	102M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	736M	-	-	-	-
Total Stock-Based Compensation	736M	-	-	-	-

Fiscal Period: December	2021 (USD)	2022 (USD)	2023 (USD)	2024 (USD)	2025 (USD)
Assets
Cash And Equivalents	203B	179B	329B	237B	228B
Investment Securities, Total	83.75B	104B	153B	136B	166B
Trading Asset Securities, Total	206B	200B	262B	273B	238B
Total investments	289B	304B	414B	409B	404B
Gross Loans	410B	398B	658B	598B	676B
Allowance For Loan Losses	-1.25B	-1.15B	-2.31B	-2.02B	-2.52B
Other Adjustments to Gross Loans	-	-	-	-	-
Net Loans	409B	397B	655B	596B	673B
Gross Property Plant And Equipment	18.47B	17.18B	24.19B	22.96B	24.36B
Accumulated Depreciation	-9.42B	-9.14B	-11.75B	-12.35B	-13.16B
Net Property Plant And Equipment	9.05B	8.04B	12.44B	10.61B	11.2B
Goodwill	6.13B	6.04B	6.04B	5.99B	6.07B
Other Intangibles, Total	4.09B	4.47B	6.89B	5.78B	5.74B
Accrued Interest Receivable	520M	1.26B	3.16B	2.12B	2.28B
Other Receivables	99.57B	88.75B	127B	151B	126B
Restricted Cash	33.92B	38.72B	54B	47.4B	45.38B
Other Current Assets, Total	52.41B	65.72B	94.8B	84.18B	100B
Deferred Tax Assets Long-Term (Collected)	8.88B	9.39B	10.68B	11.13B	11.52B
Other Long-Term Assets, Total	1.08B	1.75B	2.68B	4.41B	3.9B
Total Assets	1,117B	1,104B	1,717B	1,565B	1,617B
Liabilities
Accrued Expenses, Total	51.51B	52.18B	54.15B	60.3B	73.86B
Interest Bearing Deposits	296B	344B	551B	524B	529B
Non-Interest Bearing Deposits	246B	181B	241B	222B	259B
Total Deposits	542B	525B	792B	746B	788B
Short-Term Borrowings	171B	200B	238B	217B	194B
Current Portion of Long-Term Debt	54.97B	15.8B	85.36B	110B	113B
Current Portion of Leases	700M	700M	1B	800M	800M
Long-Term Debt	134B	159B	328B	220B	222B
Long-Term Leases	2.86B	2.63B	4.5B	3.8B	3.46B
Current Income Taxes Payable	1.4B	1.07B	1.46B	1.67B	1.15B
Accrued Interest Payable	1.09B	1.95B	6.69B	5.88B	4.78B
Other Current Liabilities - (Bank / Utility Template)	64.78B	65.95B	75.74B	71.94B	87.92B
Unearned Revenue Non Current	240M	235M	635M	555M	683M
Pension & Other Post Retirement Benefits	633M	469M	796M	763M	710M
Deferred Tax Liability Non-Current	300M	236M	325M	340M	471M
Other Non Current Liabilities	31.38B	22.38B	42.22B	40.9B	35.49B
Total Liabilities	1,056B	1,047B	1,631B	1,479B	1,527B
Common Stock, Total	322M	304M	346M	346M	334M
Additional Paid In Capital	15.93B	13.55B	13.22B	12.01B	9.22B
Retained Earnings	43.85B	50B	74.88B	78.04B	82.74B
Treasury Stock	-4.68B	-6.87B	-4.8B	-6.4B	-7.89B
Comprehensive Income and Other	5.24B	-104M	2.46B	1.09B	5.81B
Total Common Equity	60.66B	56.88B	86.11B	85.08B	90.21B
Minority Interest	340M	342M	531M	494M	271M
Total Equity	61B	57.22B	86.64B	85.57B	90.48B
Total Liabilities And Equity	1,117B	1,104B	1,717B	1,565B	1,617B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	3.4B	3.11B	3.21B	3.17B	3.09B
ECS Total Common Shares Outstanding	3.4B	3.11B	3.21B	3.17B	3.09B
Book Value / Share	17.84	18.3	26.83	26.8	29.18
Tangible Book Value	50.45B	46.36B	73.18B	73.31B	78.41B
Tangible Book Value Per Share	14.84	14.92	22.81	23.09	25.36
Tangible Book Value Per Share (As Reported)	15.97	16.28	24.49	24.63	26.93
Average Assets	-	1,193B	1,493B	1,711B	1,714B
Average Loans	-	400B	538B	628B	644B
Total Debt	363B	378B	657B	551B	534B
Deposits at Interest - Cash	15.17B	25.96B	26.24B	20.5B	21.52B
Debt Equivalent of Unfunded Proj. Benefit Obligation	-6.36B	-7.83B	-9.86B	-7.62B	-10.75B
Net Debt	-45.97B	-1.87B	65.34B	40.77B	67.73B
Equity Method Investments, Total	1.24B	1.1B	2.37B	2.31B	2.33B
Full Time Employees	71.38K	72.6K	113K	109K	103K
Number Of Offices	-	-	-	-	-

Fiscal Period: December	2021 (USD)	2022 (USD)	2023 (USD)	2024 (USD)	2025 (USD)
Net Income	7.46B	7.63B	27.85B	5.08B	7.77B
Depreciation, Depletion & Amortization	1.13B	1.03B	1.55B	1.77B	1.59B
Amortization of Goodwill and Intangible Assets - (CF)	31M	26M	134M	190M	140M
Total Depreciation, Depletion & Amortization	1.16B	1.05B	1.69B	1.96B	1.73B
Amortization of Deferred Charges, Total	945M	1B	1.47B	1.79B	1.73B
(Gain) Loss On Sale of Asset - (CF)	-230M	-1.47B	-102M	101M	-485M
Total Asset Writedown	10M	3M	593M	53M	69M
Restructuring Activities	-	-	-	-	-
Provision for Credit Losses	-148M	29M	1.04B	551M	524M
(Income) Loss On Equity Investments - (CF)	-105M	-32M	348M	-144M	-77M
Change in Trading Asset Securities	-10.52B	8.01B	3.67B	-13.59B	25.2B
Change in Other Net Operating Assets (Collected)	-206M	10.22B	33.64B	7.86B	11.44B
Other Operating Activities	3.23B	-11.8B	-36.92B	14.69B	-13.1B
Cash from Operations	1.6B	14.65B	33.28B	18.35B	34.79B
Capital Expenditure	-1.84B	-1.64B	-1.68B	-2.01B	-2.36B
Sale of Property, Plant, and Equipment	295M	161M	65M	108M	209M
Cash Acquisitions	-1M	-3M	109B	-64M	-17M
Divestitures	593M	1.73B	121M	256M	653M
Investment in Marketable and Equity Securities, Total	-1.16B	-12.69B	-3.78B	2.42B	-21.28B
Other Investing Activities, Total	-	-	-	-2M	-
Cash from Investing	-2.12B	-12.45B	103B	709M	-22.8B
Short Term Debt Issued, Total	-	-	3.17B	-	1.69B
Long-Term Debt Issued, Total	98.27B	79.12B	110B	106B	134B
Total Debt Issued	98.27B	79.12B	113B	106B	135B
Short Term Debt Repaid, Total	-3.09B	-12.25B	-	-7.41B	-
Long-Term Debt Repaid, Total	-79.91B	-67.67B	-166B	-177B	-157B
Total Debt Repaid	-83B	-79.92B	-166B	-184B	-157B
Repurchase of Common Stock	-3.34B	-6.01B	-2.78B	-2.92B	-5.18B
Common Dividends Paid	-1.3B	-1.67B	-1.68B	-2.26B	-2.87B
Common & Preferred Stock Dividends Paid	-1.3B	-1.67B	-1.68B	-2.26B	-2.87B
Net Increase (Decrease) in Deposit Accounts - (CF)	29.82B	-	52.79B	-15.07B	-12.94B
Special Dividend Paid	-	-	-	-	-
Other Financing Activities, Total	-283M	-616M	-721M	-987M	-958M
Cash from Financing	40.17B	-9.09B	-5.48B	-99.24B	-43.8B
Foreign Exchange Rate Adjustments	-5.31B	-5.66B	13.96B	-15.94B	19.1B
Miscellaneous Cash Flow Adjustments	-	-1M	-	-	1M
Net Change in Cash	34.34B	-12.55B	145B	-96.12B	-12.72B
Supplemental Items
Cash Interest Paid	4.71B	8.2B	35.97B	48.25B	37.75B
Cash Income Tax Paid (Refund)	1.13B	1.58B	1.85B	1.94B	2.05B
Net Debt Issued / Repaid	15.27B	-804M	-53.08B	-78B	-21.86B

Fiscal Period: December	2021 (USD)	2022 (USD)	2023 (USD)	2024 (USD)	2025 (USD)
Profitability
Return on Assets	0.67	0.69	1.98	0.31	0.49
Return On Equity %	12.4	12.96	38.74	5.99	8.86
Return on Common Equity	12.42	12.98	38.95	5.96	8.86
Shareholders Value Added	407M	604M	22.2B	-1.99B	157M
Margin Analysis
SG&A Margin	72.81	72.43	85.16	76.48	71.98
Net Interest Income / Total Revenues %	18.89	19.24	18.42	14.8	15.62
EBT Excl. Non-Recurring Items Margin %	27.19	27.57	14.84	23.53	28.02
Income From Continuing Operations Margin %	21.09	22.26	70.34	10.71	15.72
Net Income Margin %	21	22.17	70.3	10.59	15.66
Net Avail. For Common Margin %	21	22.17	70.3	10.59	15.66
Normalized Net Income Margin	16.91	17.14	9.23	14.58	17.45
Asset quality
Nonperforming Loans / Total Loans %	0.58	0.59	0.88	1.01	0.97
Nonperforming Loans / Total Assets %	0.21	0.21	0.34	0.39	0.4
Nonperforming Assets / Total Assets %	0.21	0.21	0.34	0.39	0.4
NPAs / Loans and OREO	0.58	0.59	0.88	1.01	0.97
NPAs / Equity	3.91	4.08	6.7	7.06	7.23
Allowance for Credit Losses / Net Charge-offs %	1.06K	1.55K	2.96K	613.68	699.17
Allowance for Credit Losses / Nonperforming Loans %	52.41	49.29	39.79	33.4	38.6
Allowance for Credit Losses / Total Loans %	0.3	0.29	0.35	0.34	0.37
Net Charge-offs / Total Average Loans %	-	0.02	0.01	0.05	0.06
Provision for Loan Losses / Net Charge-offs %	-125.42	39.19	1.33K	167.48	145.15
Earning Assets / IBL	-	96.4	97.47	98.07	97.31
Interest Income / Average Assets	-	1.1	2.38	2.52	2
Interest Expense / Average Assets	-	0.55	1.89	2.1	1.55
Net Interest Income / Average Assets	-	0.55	0.49	0.42	0.45
Non Interest Income / Average Assets	-	2.33	2.23	2.42	2.47
Non Interest Expense / Average Asset	-	2.09	2.26	2.15	2.08
Capital And Funding
Total Average Common Equity / Total Average Assets %	5.35	5.29	5.07	5.2	5.51
Total Average Equity / Total Average Assets %	5.38	5.32	5.1	5.23	5.53
Total Equity + Allowance for Loan Losses / Total Loans %	15.09	14.58	13.45	14.56	13.72
Gross Loans / Total Deposits %	75.69	75.8	83.02	80.21	85.71
Net Loans / Total Deposits %	75.46	75.58	82.73	79.94	85.39
Tier 1 Capital Ratio %	20.02	18.25	16.9	17.6	18.5
Total Capital Ratio %	20.49	18.4	16.9	17.6	18.5
Core Tier 1 Capital Ratio	14.98	14.22	14.36	14.32	14.4
Tier 2 Capital Ratio	0.48	0.15	0	0	0
Equity Tier 1 Capital Ratio	17.96	15.84	14.38	15.68	16.88
Coverage Ratio	71.9	53.79	60.08	42.12	44.5
Interbank Ratio	92.15	95.75	25.77	69.96	68.98
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	-	-	-	-	-
EBT + Interest Expense / Interest Expense	3.91	2.46	2.02	1.19	1.33
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	14.38	-1.25	10.21	-2.59	8.99
Non Interest Income, 1 Yr. Growth %	5.26	-3.26	20.43	24.34	2.17
Provision For Loan Losses, 1 Yr. Growth %	-121.33	-119.59	3.48K	-46.87	-4.9
Total Revenues, 1 Yr. Growth %	9.62	-3.36	15.53	21.24	3.26
Earnings From Cont. Operations, 1 Yr. Growth %	13.91	2.35	263.68	-81.21	51.55
Net Income, 1 Yr. Growth %	13.73	2.32	264.99	-81.42	52.74
Normalized Net Income, 1 Yr. Growth %	15.68	-0.86	-37.15	90.48	20.39
Diluted EPS Before Extra, 1 Yr. Growth %	16.48	9.22	275.56	-81.69	55.26
Dividend Per Share, 1 Yr. Growth %	35.14	10	27.27	28.57	22.22
Gross Loans, 1 Yr. Growth %	3.83	-2.99	65.79	-8.93	12.96
Allowance For Loan Losses, 1 Yr. Growth %	-20.62	-8.07	100.87	15.57	25.01
Net Loans, 1 Yr. Growth %	3.93	-2.97	65.69	-8.99	12.92
Non Performing Loans, 1 Yr. Growth %	-24.84	-2.26	148.86	4.1	8.17
Non Performing Assets, 1 Yr. Growth %	-24.84	-2.26	148.86	4.1	8.17
Total Assets, 1 Yr. Growth %	-0.76	-1.15	55.5	-8.85	3.35
Total Deposits, 1 Yr Growth %	3.32	-3.13	50.85	-5.84	5.71
Tangible Book Value, 1 Yr. Growth %	2.57	-8.1	57.84	0.84	6.96
Average Interest Earning Assets, 1 Yr. Growth %	-	-0.46	29.77	16.45	-1.02
Average Interest Bearing Liabilities, 1 Yr. Growth %	-	-1.16	28.34	15.74	-0.25
Common Equity, 1 Yr. Growth %	2.05	-6.24	51.4	-0.64	6.03
Total Equity, 1 Yr. Growth %	2.07	-6.2	51.42	-0.68	5.74
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	22.05	6.28	4.32	3.61	3.04
Non Interest Income, 2 Yr. CAGR %	8.13	1.11	7.9	22.61	12.71
Provision For Loan Losses, 2 Yr. CAGR %	37.75	-79.56	164.7	335.89	-28.92
Total Revenues, 2 Yr. CAGR %	10.78	3.08	5.63	18.55	11.89
Earnings From Cont. Operations, 2 Yr. CAGR %	31.79	7.97	92.93	-18.06	-46.64
Net Income, 2 Yr. CAGR %	31.63	7.87	93.25	-18.36	-46.73
Normalized Net Income, 2 Yr. CAGR %	29.68	7.76	-21.09	10.26	313.37
Diluted EPS Before Extra, 2 Yr. CAGR %	34.43	12.79	102.53	-17.81	-46.68
Dividend Per Share, 2 Yr. CAGR %	-17.24	21.92	18.32	27.92	25.36
Gross Loans, 2 Yr. CAGR %	11.67	0.36	26.61	22.81	1.43
Allowance For Loan Losses, 2 Yr. CAGR %	10.26	-14.58	35.89	32.5	20.2
Net Loans, 2 Yr. CAGR %	11.69	0.42	26.58	22.78	1.37
Non Performing Loans, 2 Yr. CAGR %	-1.61	-14.29	55.96	60.96	6.12
Non Performing Assets, 2 Yr. CAGR %	-1.61	-14.29	55.96	60.96	6.12
Total Assets, 2 Yr. CAGR %	7.2	-0.96	23.98	19.04	-2.94
Total Deposits, 2 Yr CAGR %	9.96	0.04	20.88	19.18	-0.23
Tangible Book Value, 2 Yr. CAGR %	6.31	-2.91	20.44	25.74	3.85
Average Interest Earning Assets, 2 Yr. CAGR %	-	1.87	13.65	22.93	7.36
Average Interest Bearing Liabilities, 2 Yr. CAGR %	-	2.22	12.63	21.88	7.45
Common Equity, 2 Yr. CAGR %	5.5	-2.18	19.14	22.31	2.64
Total Equity, 2 Yr. CAGR %	5.63	-2.15	19.17	22.29	2.48
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	9.92	13.73	7.57	1.96	5.37
Non Interest Income, 3 Yr. CAGR %	3.86	4.33	7.01	13.12	15.38
Provision For Loan Losses, 3 Yr. CAGR %	7.84	-28.09	14.32	54.99	162.41
Total Revenues, 3 Yr. CAGR %	5.19	5.96	6.94	10.6	13.22
Earnings From Cont. Operations, 3 Yr. CAGR %	18.29	21.14	61.85	-11.75	0.58
Net Income, 3 Yr. CAGR %	18.2	21.03	61.95	-11.98	0.6
Normalized Net Income, 3 Yr. CAGR %	15.29	18.21	-10.37	6.03	14.54
Diluted EPS Before Extra, 3 Yr. CAGR %	20.58	25.44	68.43	-9.64	1.6
Dividend Per Share, 3 Yr. CAGR %	-11.09	-9.01	23.68	21.64	25.99
Gross Loans, 3 Yr. CAGR %	8.34	6.55	18.51	13.4	19.43
Allowance For Loan Losses, 3 Yr. CAGR %	7.68	3.78	13.59	17.3	29.96
Net Loans, 3 Yr. CAGR %	8.35	6.57	18.53	13.39	19.4
Non Performing Loans, 3 Yr. CAGR %	-0.44	-1.83	22.27	36.3	40.99
Non Performing Assets, 3 Yr. CAGR %	-1.25	-1.83	22.27	36.3	40.99
Total Assets, 3 Yr. CAGR %	5.24	4.34	15.11	11.89	13.56
Total Deposits, 3 Yr CAGR %	8.89	5.41	14.72	11.22	14.51
Tangible Book Value, 3 Yr. CAGR %	5.27	1.28	14.16	13.27	19.14
Average Interest Earning Assets, 3 Yr. CAGR %	-	-	10.43	14.58	14.36
Average Interest Bearing Liabilities, 3 Yr. CAGR %	-	-	10.28	13.66	14
Common Equity, 3 Yr. CAGR %	4.65	1.43	13.15	11.94	16.62
Total Equity, 3 Yr. CAGR %	4.73	1.53	13.18	11.94	16.51
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	0.66	1.75	7.65	9.57	5.73
Non Interest Income, 5 Yr. CAGR %	5.07	3.3	5.46	11.1	9.26
Provision For Loan Losses, 5 Yr. CAGR %	31.25	-26.04	54.45	47.85	-5.46
Total Revenues, 5 Yr. CAGR %	4.26	3.07	5.37	10.67	8.9
Earnings From Cont. Operations, 5 Yr. CAGR %	16.88	48.92	43.86	3.61	3.48
Net Income, 5 Yr. CAGR %	17.37	51.09	43.88	3.39	3.44
Normalized Net Income, 5 Yr. CAGR %	11.2	8.12	-1.37	14.42	11.25
Diluted EPS Before Extra, 5 Yr. CAGR %	18.54	55.18	48.38	5.92	5.94
Dividend Per Share, 5 Yr. CAGR %	-3.28	-3.78	-0.32	4.28	24.35
Gross Loans, 5 Yr. CAGR %	6.37	3.6	15.31	12.7	11.33
Allowance For Loan Losses, 5 Yr. CAGR %	-	0.58	18.18	14.43	9.88
Net Loans, 5 Yr. CAGR %	6.31	3.61	15.3	12.7	11.34
Non Performing Loans, 5 Yr. CAGR %	0.25	1.66	19.14	19.64	15.53
Non Performing Assets, 5 Yr. CAGR %	-	1.09	18.56	19.64	15.53
Total Assets, 5 Yr. CAGR %	3.98	3.29	12.37	9.99	7.52
Total Deposits, 5 Yr CAGR %	5.42	4.59	13.54	10.72	8.49
Tangible Book Value, 5 Yr. CAGR %	1.65	1.35	11.09	10.43	9.78
Average Interest Earning Assets, 5 Yr. CAGR %	-	-	-	-	9.19
Average Interest Bearing Liabilities, 5 Yr. CAGR %	-	-	-	-	9.14
Common Equity, 5 Yr. CAGR %	2.77	1.62	10.22	9.32	8.7
Total Equity, 5 Yr. CAGR %	2.63	1.72	10.29	9.37	8.65