|
Provisions
|
1.17M | 0.56M | 0.88M | 0.77M | 0.86M | 1.73M | 1.76M | 1.76M | 2.64M | 3.41M | 2.59M | 2.05M | 1.13M | 1.25M | 1.81M | 1.19M | 0.63M | 0.94M | 0.42M | 0.72M | 2.10M | 0.97M | -0.18M | 0.66M | -0.78M | -1.47M | 6.27M | 0.17M | 4.06M | -1.36M | 1.13M | -4.94M | -5.40M | -2.42M | -3.92M | 4.22M | 0.67M | 1.67M | 0.45M | -0.31M |
|
Revenue
|
20.06M | 20.40M | 20.87M | 20.62M | 21.11M | 21.29M | 23.69M | 22.46M | 24.85M | 26.35M | 27.08M | 27.44M | 26.65M | 29.06M | 28.46M | 29.75M | 1.26M | 1.41M | 1.54M | 17.50M | 1.17M | 1.26M | 1.67M | 40.31M | 1.47M | 2.15M | 1.34M | -2.90M | 0.45M | 0.56M | 0.47M | 0.42M | 0.61M | 0.70M | 0.62M | 0.66M | 0.76M | 0.73M | 0.91M | 43.85M |
|
Interest income - Loans
|
| | | | 18.41M | 18.65M | 19.24M | 20.32M | 22.03M | 24.64M | 25.59M | 25.70M | 25.70M | 27.41M | 28.23M | 29.84M | 30.47M | 30.61M | 30.73M | 46.62M | 47.44M | 49.02M | 48.12M | 47.82M | 48.60M | 45.61M | 46.60M | 50.79M | 52.81M | 50.81M | 50.16M | 48.46M | 48.23M | 47.58M | 45.85M | 48.87M | 52.94M | 58.00M | 60.17M | 62.04M |
|
Interest income - Investments
|
| | | | 0.06M | 0.14M | 0.38M | 0.12M | 0.10M | 0.21M | 0.08M | 0.02M | 0.00M | 0.00M | 0.10M | | 0.01M | | | | | | | | | | | | | | | | | | | | | | | |
|
Interest Income - Debt Securities
|
| | | | 4.78M | 4.65M | 4.93M | 4.27M | 4.51M | 4.41M | 4.30M | 11.75M | 3.94M | 3.78M | 3.22M | 12.61M | 5.86M | 6.08M | 6.45M | 8.67M | 8.88M | 9.05M | 9.51M | 9.77M | 9.33M | 9.70M | 10.53M | 9.77M | 7.34M | 7.71M | 7.89M | 8.30M | 8.21M | 7.59M | 8.02M | 8.91M | 10.44M | 13.22M | 15.46M | 15.74M |
|
Other interest income
|
| | | | 0.30M | 0.33M | 0.36M | 0.62M | 0.44M | 0.37M | 0.46M | 0.50M | 0.58M | 0.42M | 0.48M | 0.59M | 0.64M | 0.70M | 0.71M | 1.27M | 1.17M | 1.24M | 1.32M | 1.16M | 1.28M | 1.21M | 1.10M | 0.90M | 0.91M | 0.79M | 0.70M | 0.55M | 0.43M | 0.41M | 0.41M | 0.47M | 0.76M | 1.00M | 1.44M | 1.82M |
|
Interest Income - Total
|
23.30M | 23.93M | 23.96M | 24.63M | 25.70M | 25.91M | 26.87M | 27.56M | 29.41M | 31.82M | 32.88M | 32.77M | 32.81M | 34.31M | 35.01M | 36.96M | 37.59M | 38.03M | 38.55M | 57.26M | 58.21M | 60.02M | 59.66M | 59.45M | 59.90M | 57.18M | 58.78M | 57.35M | 61.52M | 59.73M | 59.16M | 56.77M | 57.21M | 55.91M | 54.60M | 58.55M | 64.42M | 72.44M | 77.17M | 79.69M |
|
Interest Expense - Deposits
|
| | | | 3.85M | 3.97M | 3.95M | 4.17M | 4.07M | 4.53M | 4.93M | 5.14M | 5.36M | 5.41M | 5.42M | 5.91M | 6.22M | 6.65M | 7.03M | 9.76M | 10.54M | 12.73M | 14.11M | 15.13M | 16.05M | 15.59M | 14.77M | 12.44M | 11.06M | 8.65M | 6.67M | 5.16M | 4.07M | 3.66M | 3.56M | 3.92M | 10.87M | 18.82M | 22.25M | 26.23M |
|
Interest Expense - Debt
|
| | | | 2.33M | 2.37M | 2.35M | 2.45M | 2.99M | 3.36M | 3.49M | 3.40M | 3.42M | 3.29M | 3.38M | 4.33M | 4.56M | 4.55M | 4.46M | 6.92M | 7.49M | 7.95M | 6.91M | 7.17M | 7.16M | 6.99M | 6.40M | 4.46M | 5.66M | 5.19M | 4.01M | 3.45M | 3.55M | 3.56M | 3.31M | 4.04M | 5.02M | 8.84M | 12.55M | 13.29M |
|
Interest Expenses
|
5.10M | 5.46M | 5.47M | 5.96M | 6.17M | 6.34M | 6.30M | 6.62M | 7.06M | 7.89M | 8.42M | 8.54M | 8.79M | 8.70M | 8.80M | 10.23M | 10.78M | 11.20M | 11.49M | 16.67M | 18.03M | 20.67M | 21.02M | 22.30M | 23.21M | 22.57M | 21.17M | 16.90M | 16.72M | 13.84M | 10.68M | 8.61M | 7.62M | 7.22M | 6.87M | 7.95M | 15.89M | 27.66M | 34.80M | 39.51M |
|
Interest Income - Net
|
18.20M | 18.48M | 18.48M | 18.67M | 19.52M | 19.57M | 20.57M | 20.95M | 22.36M | 23.94M | 24.46M | 24.23M | 24.02M | 25.62M | 26.21M | 26.73M | 26.81M | 26.84M | 27.06M | 40.59M | 40.18M | 39.35M | 38.64M | 37.15M | 36.69M | 34.61M | 37.61M | 40.45M | 44.79M | 45.89M | 48.48M | 48.16M | 49.59M | 48.69M | 47.73M | 50.60M | 48.53M | 44.78M | 42.37M | 40.18M |
|
Interest Income - Total
|
17.03M | 17.92M | 17.60M | 17.89M | 18.67M | 17.84M | 18.80M | 19.19M | 19.71M | 20.52M | 21.88M | 22.18M | 22.89M | 24.36M | 24.40M | 25.54M | 26.18M | 25.90M | 26.63M | 39.87M | 38.08M | 38.38M | 38.82M | 36.48M | 37.47M | 36.07M | 31.34M | 40.28M | 40.73M | 47.26M | 47.36M | 53.10M | 54.99M | 51.11M | 51.65M | 46.38M | 47.86M | 43.11M | 41.92M | 40.49M |
|
Financial Services Fees
|
| | | | | | | | | | | | | | | | | | | | | | | | | | | | 0.41M | 0.40M | 0.46M | 0.45M | 0.41M | 0.42M | 0.43M | 0.37M | 0.51M | 0.40M | 0.46M | 0.40M |
|
Service Charges
|
| | | | 0.70M | 0.73M | 0.83M | 0.66M | 0.67M | 0.71M | 0.79M | 1.34M | 0.66M | 1.29M | 0.50M | 0.84M | 1.26M | 1.41M | 1.54M | | | | | | | | | | | | | | | | | | 0.76M | 0.73M | 0.91M | 0.70M |
|
Investment Gain (Loss)
|
| | | | | | | | | | | | | | -0.02M | -0.39M | | | -0.00M | -0.03M | | | -0.18M | -0.14M | -0.02M | 0.01M | 2.23M | 0.02M | -0.39M | 0.81M | 0.02M | 0.31M | 0.00M | | 0.00M | -0.56M | | -15.23M | | |
|
Investment Banking Income
|
| | | | | | 0.08M | 0.02M | 0.07M | 0.08M | 0.16M | 0.13M | 0.30M | 0.46M | 0.24M | 0.53M | 0.33M | 0.20M | 0.35M | 0.13M | 0.13M | 0.10M | 0.15M | 0.20M | 0.60M | 0.67M | 0.56M | 1.35M | 1.89M | 2.38M | 0.94M | 0.36M | 1.01M | 0.97M | 0.38M | 0.19M | 0.40M | 0.13M | -2.37M | 0.20M |
|
Card Income
|
| | | | 0.28M | 0.26M | 0.22M | 0.28M | 0.29M | 0.28M | 0.24M | 0.28M | 0.28M | 0.27M | 0.24M | 0.29M | 0.28M | 0.30M | 0.24M | | | | | | | | | | | | | | | | | | | | | |
|
Other Non-Interest Income
|
1.86M | 1.93M | 2.38M | 1.95M | 0.84M | 1.70M | 2.06M | 0.63M | 1.39M | 1.41M | 1.39M | 1.37M | 1.32M | 1.32M | 1.28M | 1.29M | 1.27M | 1.26M | 1.23M | 1.60M | 1.59M | 1.60M | 1.56M | 1.59M | 1.58M | 1.58M | 1.53M | 1.54M | 1.60M | 1.60M | 1.53M | 1.54M | 1.56M | 1.56M | 1.51M | 1.53M | 3.70M | 3.72M | 1.58M | 1.60M |
|
Non-Interest Income
|
1.86M | 1.93M | 2.38M | 1.95M | 1.58M | 1.72M | 3.13M | 1.52M | 2.49M | 2.41M | 2.61M | 3.21M | 2.63M | 3.45M | 2.25M | 3.02M | 3.09M | 3.26M | 3.55M | 3.36M | 3.18M | 3.31M | 3.68M | 3.39M | 3.96M | 4.55M | 6.20M | 5.00M | 7.10M | 5.81M | 4.61M | 4.40M | 3.80M | 4.13M | 3.19M | 2.81M | 5.92M | -8.48M | 1.65M | 3.67M |
|
Amortization - Intangibles
|
| | | | 0.48M | 0.49M | 0.50M | 0.50M | 0.53M | 0.56M | 0.55M | 0.55M | 0.55M | 0.56M | 0.58M | 0.60M | 0.62M | 0.64M | 0.65M | 0.70M | 0.72M | 0.71M | 0.71M | 0.70M | 0.69M | 0.67M | 0.55M | 0.49M | 0.45M | 0.43M | 0.41M | 0.35M | 0.33M | 0.33M | 0.32M | 0.30M | 0.28M | 0.22M | 0.10M | 0.09M |
|
Research & Development
|
| | | | | | | | | | | | | | | | 2.19M | 2.19M | 2.32M | | 2.93M | 3.38M | 3.05M | | | | | | | | | | | | | | | | | |
|
Wages, Salaries and Other
|
| | | | 10.08M | 9.59M | 9.82M | 9.76M | 10.62M | 10.38M | 10.46M | 10.64M | 10.91M | 11.59M | 12.43M | 12.69M | 12.79M | 12.85M | 12.81M | 15.28M | 15.64M | 15.70M | 15.35M | 16.34M | 15.78M | 15.17M | 15.54M | 15.53M | 16.98M | 17.08M | 16.96M | 17.78M | 18.62M | 18.10M | 19.18M | 20.37M | 20.35M | 19.92M | 18.00M | 17.32M |
|
Rent Expense
|
| | | | 1.64M | 1.79M | 2.23M | 1.87M | 1.91M | 1.77M | 1.99M | 1.81M | 1.94M | 1.98M | 2.09M | 2.01M | 1.98M | 2.12M | 2.36M | 2.72M | 2.74M | 2.76M | 2.98M | 2.74M | 2.97M | 3.08M | 2.69M | 2.69M | 3.12M | 3.12M | 3.43M | 3.00M | 4.55M | 3.16M | 3.22M | 3.19M | 3.09M | 2.99M | 3.10M | 2.86M |
|
Restructuring Costs
|
| | | | | | | | | | | | | | | | | 1.19M | 0.40M | 5.15M | | | | | | | 0.28M | 0.45M | 4.35M | | | | | | | | | | | |
|
Other Operating Expenses
|
15.28M | 15.56M | 17.52M | 15.80M | 15.13M | 14.72M | 15.16M | 25.53M | 16.47M | 15.93M | 16.66M | 15.87M | 16.72M | 17.40M | 18.95M | 20.04M | 9.61M | 5.22M | 10.74M | 14.63M | 20.80M | 21.13M | 20.74M | 26.00M | 23.27M | 23.34M | 25.09M | 23.76M | 26.10M | 27.39M | 26.38M | 28.99M | 27.26M | 26.51M | 27.40M | 30.42M | 28.90M | 29.66M | 27.25M | 25.90M |
|
Operating Expenses
|
15.28M | 15.56M | 17.52M | 15.80M | 16.77M | 16.52M | 17.39M | 27.40M | 18.38M | 17.70M | 18.65M | 17.68M | 18.66M | 19.37M | 21.03M | 22.05M | 21.29M | 22.76M | 22.54M | 31.26M | 26.46M | 27.27M | 26.77M | 28.75M | 26.24M | 26.43M | 28.06M | 26.89M | 33.57M | 30.51M | 29.82M | 31.99M | 31.80M | 29.67M | 30.62M | 33.61M | 31.99M | 32.65M | 30.35M | 28.76M |
|
EBIT
|
8.71M | 9.75M | 7.95M | 10.00M | 9.65M | 9.38M | 10.84M | -0.08M | 10.88M | 13.12M | 14.25M | 16.25M | 15.65M | 17.13M | 14.42M | 16.75M | 18.77M | 17.59M | 19.13M | 28.65M | 32.83M | 35.09M | 36.74M | 33.43M | 38.40M | 36.77M | 30.64M | 35.29M | 30.98M | 36.40M | 32.84M | 34.12M | 34.60M | 32.80M | 31.09M | 23.53M | 37.68M | 29.64M | 48.01M | 54.90M |
|
Other Non Operating Income
|
| | | | | | | | | | | | | | | | | | | | | | | | | | -2.16M | 2.16M | 3.05M | | | | | | | | | | | |
|
EBT
|
3.61M | 4.29M | 2.47M | 4.04M | 3.48M | 3.04M | 4.54M | -6.69M | 3.83M | 5.23M | 5.83M | 7.71M | 6.86M | 8.43M | 5.62M | 6.51M | 7.99M | 6.40M | 7.64M | 11.97M | 14.80M | 14.42M | 15.72M | 11.12M | 15.19M | 14.20M | 9.48M | 18.39M | 14.26M | 22.56M | 22.16M | 25.52M | 26.99M | 25.57M | 24.21M | 15.57M | 21.79M | 1.98M | 13.21M | 15.39M |
|
Tax Provisions
|
1.02M | 1.30M | 0.69M | 1.21M | 0.55M | 0.87M | 0.66M | -3.35M | 0.85M | 1.43M | 1.67M | 2.83M | 2.19M | 2.97M | 1.55M | 2.11M | 2.76M | 5.13M | 2.26M | 4.26M | 3.66M | 3.65M | 4.30M | 2.31M | 3.82M | 3.55M | 0.23M | 4.70M | 2.88M | 5.61M | 5.73M | 7.03M | 7.27M | 6.80M | 6.52M | 4.21M | 5.25M | 0.03M | 2.90M | 3.38M |
|
Profit After Tax
|
2.59M | 2.99M | 1.79M | 2.83M | 2.92M | 2.17M | 3.88M | -3.34M | 2.98M | 3.80M | 4.17M | 4.88M | 4.67M | 5.46M | 4.07M | 4.40M | 5.23M | 1.27M | 5.38M | 7.72M | 11.15M | 10.77M | 11.42M | 8.81M | 11.37M | 10.65M | 9.25M | 13.69M | 11.38M | 16.95M | 16.42M | 18.48M | 19.71M | 18.77M | 17.69M | 11.37M | 16.54M | 1.95M | 10.31M | 12.01M |
|
Income from Continuing Operations
|
2.59M | 2.99M | 1.79M | 2.83M | 2.92M | 2.17M | 3.88M | -3.34M | 2.98M | 3.80M | 4.17M | 4.88M | 4.67M | 5.46M | 4.07M | 4.40M | 5.23M | 1.27M | 5.38M | 7.72M | 11.15M | 10.77M | 11.42M | 8.81M | 11.37M | 10.65M | 9.25M | 13.69M | 11.38M | 16.95M | 16.42M | 18.48M | 19.71M | 18.77M | 17.69M | 11.37M | 16.54M | 1.95M | 10.31M | 12.01M |
|
Consolidated Net Income
|
2.59M | 2.99M | 1.79M | 2.83M | 2.92M | 2.17M | 3.88M | -3.34M | 2.98M | 3.80M | 4.17M | 4.88M | 4.67M | 5.46M | 4.07M | 4.40M | 5.23M | 1.27M | 5.38M | 7.72M | 11.15M | 10.77M | 11.42M | 8.81M | 11.37M | 10.65M | 9.25M | 13.69M | 11.38M | 16.95M | 16.42M | 18.48M | 19.71M | 18.77M | 17.69M | 11.37M | 16.54M | 1.95M | 10.31M | 12.01M |
|
Income towards Parent Company
|
2.59M | 2.99M | 1.79M | 2.83M | 2.92M | 2.17M | 3.88M | -3.34M | 2.98M | 3.80M | 4.17M | 4.88M | 4.67M | 5.46M | 4.07M | 4.40M | 5.23M | 1.27M | 5.38M | 7.72M | 11.15M | 10.77M | 11.42M | 8.81M | 11.37M | 10.65M | 9.25M | 13.69M | 11.38M | 16.95M | 16.42M | 18.48M | 19.71M | 18.77M | 17.69M | 11.37M | 16.54M | 1.95M | 10.31M | 12.01M |
|
Net Income towards Common Stockholders
|
2.59M | 2.99M | 1.79M | 2.83M | 2.92M | 2.17M | 3.88M | -3.34M | 2.98M | 3.80M | 4.17M | 4.88M | 4.67M | 5.46M | 4.07M | 4.40M | 5.23M | 1.27M | 5.38M | 7.72M | 11.15M | 10.77M | 11.42M | 8.81M | 11.37M | 10.65M | 9.25M | 13.69M | 11.38M | 16.95M | 16.42M | 18.48M | 19.71M | 18.77M | 17.69M | 11.37M | 16.54M | 1.95M | 10.31M | 12.01M |
|
EPS (Basic)
|
0.03 | 0.03 | 0.02 | 0.03 | 0.03 | 0.02 | 0.04 | -0.04 | 0.03 | 0.04 | 0.05 | 0.05 | 0.05 | 0.06 | 0.05 | 0.05 | 0.07 | 0.02 | 0.07 | 0.08 | 0.12 | 0.12 | 0.13 | 0.10 | 0.13 | 0.13 | 0.11 | 0.17 | 0.13 | 0.20 | 0.20 | 0.24 | 0.26 | 0.26 | 0.25 | 0.17 | 0.25 | 0.03 | 0.16 | 0.19 |
|
EPS (Weighted Average and Diluted)
|
0.03 | 0.03 | 0.02 | 0.03 | 0.03 | 0.02 | 0.04 | -0.04 | 0.03 | 0.04 | 0.05 | 0.05 | 0.05 | 0.06 | 0.05 | 0.05 | 0.07 | 0.02 | 0.07 | 0.08 | 0.12 | 0.12 | 0.13 | 0.10 | 0.13 | 0.13 | 0.11 | 0.17 | 0.13 | 0.20 | 0.20 | 0.24 | 0.26 | 0.26 | 0.25 | 0.17 | 0.25 | 0.03 | 0.16 | 0.19 |
|
Shares Outstanding (Weighted Average)
|
| | | 91.34M | | | | 92.98M | 93.53M | 93.53M | 93.53M | 93.53M | 89.59M | 88.52M | 88.24M | 86.40M | 83.01M | 81.02M | 78.84M | 102.39M | 98.24M | 96.33M | 93.10M | 90.54M | 87.77M | 86.11M | 84.59M | 83.66M | 89.52M | 89.51M | 84.20M | 80.79M | 77.00M | 75.05M | 72.75M | 70.42M | 68.23M | 67.57M | 67.38M | |
|
Shares Outstanding (Diluted Average)
|
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | 82.39M | 74.56M | 73.30M | 72.15M | 70.93M | 65.76M | 65.39M | 65.19M | |
|
EBITDA
|
8.71M | 9.75M | 7.95M | 10.00M | 9.65M | 9.38M | 10.84M | -0.08M | 10.88M | 13.12M | 14.25M | 16.25M | 15.65M | 17.13M | 14.42M | 16.75M | 18.77M | 17.59M | 19.13M | 28.65M | 32.83M | 35.09M | 36.74M | 33.43M | 38.40M | 36.77M | 30.64M | 35.29M | 30.98M | 36.40M | 32.84M | 34.12M | 34.60M | 32.80M | 31.09M | 23.53M | 37.68M | 29.64M | 48.01M | 54.90M |
|
Tax Rate
|
28.31% | 30.34% | 27.72% | 29.96% | 15.91% | 28.63% | 14.54% | 50.08% | 22.22% | 27.40% | 28.57% | 36.73% | 31.98% | 35.21% | 27.58% | 32.36% | 34.50% | 80.17% | 29.61% | 35.55% | 24.71% | 25.31% | 27.38% | 20.80% | 25.13% | 24.98% | 2.37% | 25.55% | 20.22% | 24.88% | 25.87% | 27.56% | 26.95% | 26.60% | 26.93% | 27.00% | 24.12% | 1.66% | 21.96% | 21.95% |