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[]
["Income Statement"]
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[]
["Assumptions"]
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[]
[null,null,null,"Base Case",null,null,null,null,null,null,null,0.1,0.1,{"$f":"M121","v":0.1},0.08,7.0000000000000007E-2,0.05,0.05,0.05,0.05,0.05,0.05,0.05,0.05,0.05,0.05,0.05,0.05,0.05]
[null,null,null,"Low Case",null,null,null,null,null,null,null,0.05,0.05,0.05,0.05,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03]
[null,null,null,"High Case",null,null,null,null,null,null,null,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15]
[null,null,null,"Sensitivity Case",null,null,null,null,null,null,null,0.12,0.12,{"$f":"M124","v":0.12},{"$f":"N124","v":0.12},0.12,0.12,0.12,0.12,0.12,0.12,0.12,0.12,0.12,0.12,0.12,0.12,0.12,0.12]
[]
[null,null,null,"Deposit Growth",null,{"$f":"'Master Scenario'!E31","v":3},{"$f":"IF(G3,G119,INDEX(G121:G124,$F$126))","v":0},0.15943467674709999,0.13469859645038729,0.16392148966123088,0.14002470474984552,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15]
[]
[null,null,"Cash"]
[null,null,null,"Cash Balance",null,null,{"$f":"G8+G24","v":28376935},{"$f":"H8+H24","v":91985453},86795966,49176049,76894602,77804139,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Cash to Deposits - History",null,null,{"$f":"IF(G118,G129/G118)","v":0.13286508673452449},{"$f":"IF(H118,H129/H118)","v":0.37146530454212018},0.30890015632035267,0.15036561440990381,0.20624170531303618,0.20992354392269971,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false]
[null,null,null,"Cash to Deposits - Forecast",null,null,null,null,null,null,null,{"$f":"'Master Scenario'!F31","v":0.18},{"$f":"L131","v":0.18},{"$f":"M131","v":0.18},0.18,0.18,0.18,0.18,0.18,0.18,0.18,0.18,0.18,0.18,0.18,0.18,0.18,0.18,0.18]
[]
[null,null,null,"Cash to Deposits Applied",null,null,{"$f":"IF(G3,G130,G131)","v":0.13286508673452449},0.37146530454212018,0.30890015632035267,0.15036561440990381,0.20624170531303618,0.18,0.18,0.18,0.18,0.18,0.18,0.18,0.18,0.18,0.18,0.18,0.18,0.18,0.18,0.18,0.18,0.18,0.18]
[]
[null,null,"Trading Assets"]
[null,null,null,"Trading Assets",null,null,{"$f":"adjust(G11)","v":206766},{"$f":"adjust(H11)","v":37410},63966,2567832,1441725,1850018,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Trading Income",null,null,{"$f":"adjust(G68)","v":0},{"$f":"adjust(H68)","v":0},0,1158948,604736,624258,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Return on Trading Income",null,null,{"$f":"IF(F136,G137/AVERAGE(F136:G136))","v":false},{"$f":"IF(G136,H137/AVERAGE(G136:H136))","v":0},0,0.88072716827051312,0.30164728921424488,0.37928720437774149,0,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false]
[null,null,null,"Projected Trading Return",null,null,null,null,null,null,null,0.35,{"$f":"L139","v":0.35},{"$f":"M139","v":0.35},0.35,0.35,0.35,0.35,0.35,0.35,0.35,0.35,0.35,0.35,0.35,0.35,0.35,0.35,0.35]
[null,null,null,"Applied Trading Return",null,null,{"$f":"IF(G3,G138,G139)","v":false},0,0,0.88072716827051312,0.30164728921424488,{"$f":"IF(L3,L138,L139)","v":0.35},{"$f":"IF(M3,M138,M139)","v":0.35},0.35,0.35,0.35,0.35,0.35,0.35,0.35,0.35,0.35,0.35,0.35,0.35,0.35,0.35,0.35,0.35]
[]
[null,null,"Gross Loans"]
[null,null,null,"Loans",null,null,{"$f":"G14","v":114242564},125847866,157577264,206789521,262881165,271236575,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Loan to Deposit - Historic",null,null,{"$f":"IF(G118,G143/G118)","v":0.53490090366117637},{"$f":"IF(H118,H143/H118)","v":0.50821205250427948},0.56080534298257001,0.63230035781635707,0.70508278024870508,0.73182408798913812,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false]
[]
[null,null,null,"Base Case",null,null,null,null,null,null,null,0.74,0.75,0.78,0.8,0.85,0.85,0.85,0.85,0.85,0.85,0.85,0.85,0.85,0.85,0.85,0.85,0.85,0.85]
[null,null,null,"Low Case ",null,null,null,null,null,null,null,0.72,0.72,0.7,0.65,0.6,0.6,0.6,0.6,0.6,0.6,0.6,0.6,0.6,0.6,0.6,0.6,0.6,0.6]
[null,null,null,"High Case",null,null,null,null,null,null,null,0.85,0.9,0.95,1,1,1,1,1,1,1,1,1,1,1,1,1,1,1]
[null,null,null,"Sensitivity Case",null,null,null,null,null,null,null,0.75,0.75,{"$f":"M149","v":0.75},{"$f":"N149","v":0.75},0.75,0.75,0.75,0.75,0.75,0.75,0.75,0.75,0.75,0.75,0.75,0.75,0.75,0.75]
[]
[null,null,null,"Loan to Deposit",null,{"$f":"'Master Scenario'!G31","v":3},{"$f":"IF(G3,G144,INDEX(G146:G149,$F$151))","v":0.53490090366117637},0.50821205250427948,0.56080534298257001,0.63230035781635707,0.70508278024870508,0.85,0.9,0.95,1,1,1,1,1,1,1,1,1,1,1,1,1,1,1]
[]
[null,null,"Loan Loss Reserves"]
[null,null,null,"Closing Balance",null,null,{"$f":"-G15","v":2794789},{"$f":"-H15","v":4345084},3949307,3860505,4105684,4413962,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Increase",null,null,null,{"$f":"IF(H3,H154-G154)","v":1550295},-395777,-88802,245179,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false]
[null,null,null,"Loan Loss Provisions",null,null,{"$f":"G76","v":1754149},{"$f":"H76","v":15416},657311,559209,498670,879958,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[]
[null,null,null,"Average Loan Balance",null,null,{"$f":"AVERAGE(G14,F14)","v":114242564},{"$f":"AVERAGE(H14,G14)","v":120045215},141712565,182183392.5,234835343,267058870,135618287.5,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Loan Loss Provisions as Percent of Loans",null,null,{"$f":"IF(G158,G156/G158)","v":1.5354601109968086E-2},{"$f":"IF(H158,H156/H158)","v":1.2841827972901709E-4},4.6383395854841802E-3,3.0694839541974168E-3,2.1234878601727337E-3,3.2949963429411652E-3,0,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false]
[]
[null,null,null,"Base Case",null,null,null,null,null,null,null,3.0000000000000001E-3,3.0000000000000001E-3,3.0000000000000001E-3,3.0000000000000001E-3,3.0000000000000001E-3,3.0000000000000001E-3,3.0000000000000001E-3,3.0000000000000001E-3,3.0000000000000001E-3,3.0000000000000001E-3,3.0000000000000001E-3,3.0000000000000001E-3,3.0000000000000001E-3,3.0000000000000001E-3,3.0000000000000001E-3,3.0000000000000001E-3,3.0000000000000001E-3,3.0000000000000001E-3]
[null,null,null,"Low Case",null,null,null,null,null,null,null,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2]
[null,null,null,"High Case",null,null,null,null,null,null,null,2E-3,2E-3,2E-3,2E-3,2E-3,2E-3,2E-3,2E-3,2E-3,2E-3,2E-3,2E-3,2E-3,2E-3,2E-3,2E-3,2E-3,2E-3]
[null,null,null,"Sensitivity",null,null,null,null,null,null,null,4.0000000000000001E-3,4.0000000000000001E-3,4.0000000000000001E-3,4.0000000000000001E-3,4.0000000000000001E-3,4.0000000000000001E-3,4.0000000000000001E-3,4.0000000000000001E-3,4.0000000000000001E-3,4.0000000000000001E-3,4.0000000000000001E-3,4.0000000000000001E-3,4.0000000000000001E-3,4.0000000000000001E-3,4.0000000000000001E-3,4.0000000000000001E-3,4.0000000000000001E-3,4.0000000000000001E-3]
[]
[null,null,null,"Loan Loss Provisions",null,{"$f":"'Master Scenario'!H31","v":3},{"$f":"IF(G3,G159,INDEX(G161:G164,$F$166))","v":1.5354601109968086E-2},1.2841827972901709E-4,4.6383395854841802E-3,3.0694839541974168E-3,2.1234878601727337E-3,2E-3,2E-3,2E-3,2E-3,2E-3,2E-3,2E-3,2E-3,2E-3,2E-3,2E-3,2E-3,2E-3,2E-3,2E-3,2E-3,2E-3,2E-3]
[]
[null,null,"Gross Plant",null,null,null,{"$f":"G19","v":5162253},{"$f":"H19","v":5913511},6825205,7818396,10620365,11113982,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Increase",null,null,null,{"$f":"IF(H3,H168-G168)","v":751258},911694,993191,2801969,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false]
[null,null,null,"Accumulated Depreciation",null,null,{"$f":"-G20","v":2517468},{"$f":"-H20","v":2942242},3418248,3673737,4213740,4404490,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Increase in Accumulated Depreciation",null,null,null,{"$f":"IF(H3,H170-G170)","v":424774},476006,255489,540003,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false]
[null,null,null,"Depreciation Expense",null,null,{"$f":"G111","v":368800},{"$f":"H111","v":535046},618185,742837,864567,910114,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Retirements",null,null,{"$f":"G172-G171","v":368800},{"$f":"H172-H171","v":110272},142179,487348,324564,910114,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Average Plant",null,null,{"$f":"AVERAGE(G168,F168)","v":5162253},{"$f":"AVERAGE(H168,G168)","v":5537882},6369358,7321800.5,9219380.5,10867173.5,5556991,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Depreciation Rate - History",null,null,{"$f":"IF(G174,G172/G174)","v":7.1441674788120607E-2},{"$f":"IF(H174,H172/H174)","v":9.6615637530738291E-2},9.7056092623463777E-2,0.10145550947475283,9.3777125263459951E-2,8.3748915943966482E-2,0,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false]
[null,null,null,"Depreciation Rate - Projected",null,null,null,null,null,null,null,0.09,0.09,0.09,0.09,0.09,0.09,0.09,0.09,0.09,0.09,0.09,0.09,0.09,0.09,0.09,0.09,0.09,0.09]
[null,null,null,"Depreciation Rate Applied",null,null,{"$f":"IF(G3,G175,G176)","v":7.1441674788120607E-2},9.6615637530738291E-2,9.7056092623463777E-2,0.10145550947475283,9.3777125263459951E-2,0.09,0.09,0.09,0.09,0.09,0.09,0.09,0.09,0.09,0.09,0.09,0.09,0.09,0.09,0.09,0.09,0.09,0.09]
[]
[null,null,null,"Retirement Rate - Historic",null,null,null,{"$f":"IF(H74,H173/H174)","v":1.9912305823778838E-2},{"$f":"IF(I74,I173/I174)","v":2.2322343947380568E-2},6.6561223567891528E-2,3.5204534621388062E-2,8.3748915943966482E-2,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false]
[null,null,null,"Retirement Rate - Projected",null,null,null,null,null,null,null,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03]
[null,null,null,"Retirement Rate Applied",null,null,null,{"$f":"IF(H3,H179,H180)","v":1.9912305823778838E-2},2.2322343947380568E-2,6.6561223567891528E-2,3.5204534621388062E-2,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03]
[]
[null,null,null,"Capital Expenditures Derived",null,null,null,{"$f":"H169+H173","v":861530},{"$f":"I169+I173","v":1053873},1480539,3126533,910114,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Capital Expenditures Cash Flow",null,null,{"$f":"-G112","v":1014455},{"$f":"-H112","v":930497},1118823,1727384,3211877,2928307,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[]
[null,null,null,"Loan Increase",null,null,null,{"$f":"IF(H3,H143-G143)","v":11605302},31729398,49212257,56091644,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false]
[null,null,null,"Capital Expenditures/Loan Increase",null,null,null,{"$f":"IF(H186,H184/H186)","v":8.0178611465690428E-2},{"$f":"IF(I186,I184/I186)","v":3.5261400169016757E-2},3.5100686400138081E-2,5.7261238411910338E-2,{"$f":"IF(L186,L184/L186)","v":false},false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false]
[]
[null,null,null,"Capital Expenditure Growth - Historic",null,null,null,{"$f":"IF(H184,H184/G184-1)","v":-8.2761679916802611E-2},{"$f":"IF(I184,I184/H184-1)","v":0.20239291475415833},0.543929647495627,0.85938795311291516,-8.8287938797158128E-2,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false]
[null,null,null,"Capital Expenditure Growth - Projected",null,null,null,null,null,null,null,{"$f":"L126","v":0.15},{"$f":"M126","v":0.15},{"$f":"N126","v":0.15},0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15]
[null,null,null,"Capital Expenditure Growth - Applied",null,null,{"$f":"IF(G3,G189,G190)","v":0},-8.2761679916802611E-2,0.20239291475415833,0.543929647495627,0.85938795311291516,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15]
[]
[null,null,"Current Assets"]
[null,null,null,"Receivables and other current assets",null,null,{"$f":"adjust(G23)+adjust(G25)","v":0},0,0,1273598,1946793,1514246,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Total Revenues",null,null,{"$f":"G77","v":14521005},{"$f":"H77","v":17380044},20211353,23811482,27545764,28604966,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Receivables as Percent of Revenues",null,null,{"$f":"IF(G195,G194/G195)","v":0},{"$f":"IF(H195,H194/H195)","v":0},0,5.348671703844389E-2,7.0674859481116584E-2,5.2936472639051553E-2,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false]
[null,null,null,"Projected Receivables",null,null,null,null,null,null,null,5.5E-2,5.5E-2,5.5E-2,5.5E-2,5.5E-2,5.5E-2,5.5E-2,5.5E-2,5.5E-2,5.5E-2,5.5E-2,5.5E-2,5.5E-2,5.5E-2,5.5E-2,5.5E-2,5.5E-2,5.5E-2]
[null,null,null,"Receivable Percent Applied",null,null,{"$f":"IF(G3,G196,G197)","v":0},0,0,5.348671703844389E-2,7.0674859481116584E-2,5.5E-2,5.5E-2,5.5E-2,5.5E-2,5.5E-2,5.5E-2,5.5E-2,5.5E-2,5.5E-2,5.5E-2,5.5E-2,5.5E-2,5.5E-2,5.5E-2,5.5E-2,5.5E-2,5.5E-2,5.5E-2]
[]
[null,null,"Current Liabilities"]
[null,null,null,"Total Other Current Liabilities",null,null,{"$f":"adjust(G31)+G39+G40","v":4893152},{"$f":"adjust(H31)+H39+H40","v":3299252},4214793,7896276,11676956,13330200,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Total Expenses other than Interest",null,null,{"$f":"G79+G81+G82-G172","v":6432162},7899906,8939899,9449887,11995151,12280146,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Current Liabilities as Percent of Expenses",null,null,{"$f":"IF(G202,G201/G202)","v":0.76073208355137822},{"$f":"IF(H202,H201/H202)","v":0.41763180473286643},0.47145868202761576,0.83559475367271585,0.97347303089390036,1.085508266758392,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false]
[null,null,null,"Projected Current Liability Percent",null,null,null,null,null,null,null,1,1,1,1,1,1,1,1,1,1,1,1,1,1,1,1,1,1]
[null,null,null,"Payable Percent Applied",null,null,{"$f":"IF(G3,G203,G204)","v":0.76073208355137822},0.41763180473286643,0.47145868202761576,0.83559475367271585,0.97347303089390036,1,1,1,1,1,1,1,1,1,1,1,1,1,1,1,1,1,1]
[]
[null,null,"Other Assets"]
[null,null,null,"Deferred Tax Assets",null,null,{"$f":"G26","v":770686},{"$f":"H26","v":1046739},951767,798382,919802,1015870,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Other Long-term Assets",null,null,{"$f":"G27","v":7445934},{"$f":"H27","v":6659639},7415449,9561029,13984879,14232020,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Total",null,null,{"$f":"SUM(G208:G209)","v":8216620},{"$f":"SUM(H208:H209)","v":7706378},8367216,10359411,14904681,15247890,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[]
[null,null,null,"Increase",null,null,null,{"$f":"IF(H3,H210-G210)","v":-510242},660838,1992195,4545270,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false]
[]
[null,null,null,"Other Long-term Liabilities",null,null,{"$f":"G42","v":1913375},{"$f":"H42","v":1444172},1484642,715507,1029011,989067,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Pension Liabilities",null,null,{"$f":"G41","v":792603},{"$f":"H41","v":1021633},2047252,2251449,2854612,3016257,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[]
[null,null,"Total Debt",null,null,null,{"$f":"G36+G37+G38","v":1114353},{"$f":"H36+H37+H38","v":1141921},1580653,1974599,2698369,2879335,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Assumed Interest Rate",null,null,0.04,0.04,0.04,0.04,0.04,0.04,0.04,0.04,0.04,0.04,0.04,0.04,0.04,0.04,0.04,0.04,0.04,0.04,0.04,0.04,0.04,0.04,0.04]
[null,null,null,"Average Debt for Interest Rate",null,null,{"$f":"AVERAGE(G217,F217)","v":1114353},{"$f":"AVERAGE(H217,G217)","v":1128137},1361287,1777626,2336484,2788852,1439667.5,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Imputed Interest",null,null,{"$f":"IF(G219,G218*G219)","v":44574.12},{"$f":"IF(H219,H218*H219)","v":45125.48},54451.48,71105.040000000008,93459.36,111554.08,57586.700000000004,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false]
[null,null,null,"Interest on Deposits",null,null,{"$f":"G65-G220","v":6895770.8799999999},7985860.5199999996,7669322.5199999996,7659051.96,7553707.6399999997,7178523.9199999999,-57586.700000000004,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Repayment Percent",null,null,null,null,null,null,null,0.48,0.1,0.1,0.1,0.1,0.1,0.02]
[]
[null,null,"Interest Rate on Deposits"]
[null,null,null,"Average Deposits",null,null,{"$f":"AVERAGE(G118,F118)","v":213577063},{"$f":"AVERAGE(H118,G118)","v":230602858},264306269,304013533.5,349940244.5,371734072.5,185315419,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Interest Rate on Deposits",null,null,{"$f":"IF(G225,G221/G225)","v":3.2287038613317762E-2},{"$f":"IF(H225,H221/H225)","v":3.4630362300193174E-2},2.9016801413817392E-2,2.5193128318414155E-2,2.1585707156354231E-2,1.9310911888497925E-2,-3.1074964139924055E-4,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false]
[]
[null,null,null,"Base Case",null,null,null,null,null,null,null,0.02,0.02,0.02,0.02,0.02,0.02,0.02,0.02,0.02,0.02,0.02,0.02,0.02,0.02,0.02,0.02,0.02,0.02]
[null,null,null,"Low Case",null,null,null,null,null,null,null,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03]
[null,null,null,"High Case",null,null,null,null,null,null,null,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2]
[null,null,null,"Sensitivity",null,null,null,null,null,null,null,1.7000000000000001E-2,1.7000000000000001E-2,{"$f":"M231","v":1.7000000000000001E-2},{"$f":"N231","v":1.7000000000000001E-2},1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2]
[]
[null,null,null,"Deposit Interest Rate Applied",null,{"$f":"'Master Scenario'!J31","v":3},{"$f":"IF(G3,G226,INDEX(G228:G231,$F$233))","v":3.2287038613317762E-2},3.4630362300193174E-2,2.9016801413817392E-2,2.5193128318414155E-2,2.1585707156354231E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2]
[]
[null,null,"Interest Income Rates"]
[null,null,null,"Cash - Average",null,null,{"$f":"AVERAGE(F8:G8)+AVERAGE(F24:G24)","v":28376935},{"$f":"AVERAGE(G8:H8)+AVERAGE(G24:H24)","v":60181194},89390709.5,67986007.5,63035325.5,77349370.5,38902069.5,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Other Investements - Average",null,null,{"$f":"AVERAGE(F10:G10)","v":94677071},{"$f":"AVERAGE(G10:H10)","v":76433051.5},65281797.5,92067659,97404448,80489969.5,38965899,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Base for Other Interest",null,null,{"$f":"SUM(G236:G237)","v":123054006},{"$f":"SUM(H236:H237)","v":136614245.5},154672507,160053666.5,160439773.5,157839340,77867968.5,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Imputed Interest Income Rate",null,null,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03]
[null,null,null,"Interest Income on Cash",null,null,{"$f":"G239*G236","v":851308.04999999993},{"$f":"H239*H236","v":1805435.8199999998},2681721.2849999997,2039580.2249999999,1891059.7649999999,2320481.1149999998,1167062.085,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Intrerest Income on Investments",null,null,{"$f":"G239*G237","v":2840312.13},{"$f":"H239*H237","v":2292991.5449999999},1958453.9249999998,2762029.77,2922133.44,2414699.085,1168976.97,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Interest Income",null,null,{"$f":"G238*G239","v":3691620.1799999997},{"$f":"H238*H239","v":4098427.3649999998},4640175.21,4801609.9950000001,4813193.2050000001,4735180.2,2336039.0549999997,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[]
[null,null,null,"Total Interest Income",null,null,{"$f":"G63","v":18616168},{"$f":"H63","v":22081673},20660602,25783993,28885290,29754210,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Interest Income on Loans",null,null,{"$f":"IF(G244,G244-G242)","v":14924547.82},{"$f":"IF(H244,H244-H242)","v":17983245.635000002},16020426.789999999,20982383.004999999,24072096.795000002,25019029.800000001,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false]
[null,null,null,"Average Loans",null,null,{"$f":"AVERAGE(F17:G17)","v":111447679},{"$f":"AVERAGE(G17:H17)","v":116475230.5},137456591.5,178018225,230488839.5,262369523,133193708,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Interest Income Rate",null,null,{"$f":"IF(G246,G245/G246)","v":0.13391528611376466},{"$f":"IF(H246,H245/H246)","v":0.15439545006953218},0.11654898914032798,0.11786648813625683,0.10443931622554767,9.5357987901666469E-2,0,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false]
[]
[null,null,null,"Base Case",null,null,null,null,null,null,null,0.09,0.09,{"$f":"M249","v":0.09},{"$f":"N249","v":0.09},0.09,0.09,0.09,0.09,0.09,0.09,0.09,0.09,0.09,0.09,0.09,0.09,0.09,0.09]
[null,null,null,"Low Case",null,null,null,null,null,null,null,{"$f":"L249","v":0.09},{"$f":"M249","v":0.09},{"$f":"M250-0.75%","v":8.249999999999999E-2},{"$f":"N250-0.75%","v":7.4999999999999983E-2},{"$f":"O250-0.75%","v":6.7499999999999977E-2},{"$f":"P250-0.75%","v":5.9999999999999977E-2},{"$f":"Q250","v":5.9999999999999977E-2},{"$f":"R250","v":5.9999999999999977E-2},5.9999999999999977E-2,5.9999999999999977E-2,5.9999999999999977E-2,5.9999999999999977E-2,5.9999999999999977E-2,5.9999999999999977E-2,5.9999999999999977E-2,5.9999999999999977E-2,5.9999999999999977E-2,5.9999999999999977E-2]
[null,null,null,"High Case",null,null,null,null,null,null,null,9.1999999999999998E-2,9.1999999999999998E-2,{"$f":"M251+0.1%","v":9.2999999999999999E-2},{"$f":"N251+0.1%","v":9.4E-2},{"$f":"O251+0.1%","v":9.5000000000000001E-2},{"$f":"P251","v":9.5000000000000001E-2},{"$f":"Q251","v":9.5000000000000001E-2},9.5000000000000001E-2,9.5000000000000001E-2,9.5000000000000001E-2,9.5000000000000001E-2,9.5000000000000001E-2,9.5000000000000001E-2,9.5000000000000001E-2,9.5000000000000001E-2,9.5000000000000001E-2,9.5000000000000001E-2,9.5000000000000001E-2]
[null,null,null,"Sensitivity Case",null,null,null,null,null,null,null,9.5000000000000001E-2,9.5000000000000001E-2,{"$f":"M252","v":9.5000000000000001E-2},{"$f":"N252","v":9.5000000000000001E-2},9.5000000000000001E-2,9.5000000000000001E-2,9.5000000000000001E-2,9.5000000000000001E-2,9.5000000000000001E-2,9.5000000000000001E-2,9.5000000000000001E-2,9.5000000000000001E-2,9.5000000000000001E-2,9.5000000000000001E-2,9.5000000000000001E-2,9.5000000000000001E-2,9.5000000000000001E-2,9.5000000000000001E-2]
[]
[null,null,null,"Interest Income Rate Applied",null,{"$f":"'Master Scenario'!K31","v":3},{"$f":"IF(G3,G247,INDEX(G249:G252,$F$254))","v":0.13391528611376466},0.15439545006953218,0.11654898914032798,0.11786648813625683,0.10443931622554767,9.1999999999999998E-2,9.1999999999999998E-2,9.2999999999999999E-2,9.4E-2,9.5000000000000001E-2,9.5000000000000001E-2,9.5000000000000001E-2,9.5000000000000001E-2,9.5000000000000001E-2,9.5000000000000001E-2,9.5000000000000001E-2,9.5000000000000001E-2,9.5000000000000001E-2,9.5000000000000001E-2,9.5000000000000001E-2,9.5000000000000001E-2,9.5000000000000001E-2,9.5000000000000001E-2]
[]
[null,null,"Other Income",null,null,null,{"$f":"adjust(G69)+adjust(G70)+adjust(G71)+adjust(G72)","v":4599331},3344773,7931836,5157907,6201575,6396534,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Average Deposits",null,null,{"$f":"G225","v":213577063},{"$f":"H225","v":230602858},264306269,304013533.5,349940244.5,371734072.5,185315419,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Income on Average Deposits",null,null,{"$f":"IF(G257,G256/G257)","v":2.1534760968222509E-2},{"$f":"IF(H257,H256/H257)","v":1.4504473314029785E-2},3.0010018415416399E-2,1.6966044046193753E-2,1.7721811359139059E-2,1.7207284651045811E-2,0,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false]
[null,null,null,"Projected Income Deposits",null,null,null,null,null,null,null,{"$f":"'Master Scenario'!L31","v":2.1000000000000001E-2},1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2]
[null,null,null,"Other Income on Deposits Applied",null,null,{"$f":"IF(G3,G258,G259)","v":2.1534760968222509E-2},1.4504473314029785E-2,3.0010018415416399E-2,1.6966044046193753E-2,1.7721811359139059E-2,2.1000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2]
[]
[null,null,"Expenses"]
[null,null,null,"Salary Expenses",null,null,{"$f":"G79","v":3283965},{"$f":"H79","v":4186617},4544611,5204359,6154966,6398327,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Percent Increase",null,null,null,{"$f":"IF(H3,H263/G263-1)","v":0.2748665104530652},8.5509135418883497E-2,0.14517150092714215,0.18265592362094929,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false]
[null,null,null,"Increase In Deposits",null,null,null,{"$f":"H126","v":0.15943467674709999},{"$f":"I126","v":0.13469859645038729},0.16392148966123088,0.14002470474984552,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15]
[null,null,null,"Increase in Revenues",null,null,null,{"$f":"IF(H3,H195/G195-1)","v":0.19688988468773339},0.16290574408212088,0.17812409688752662,0.1568269459246594,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false]
[null,null,null,"Percent of Revenues",null,null,{"$f":"IF(G3,G263/G195)","v":0.22615273529621399},0.24088644424605599,0.22485436774074452,0.21856510233172383,0.22344510030652989,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false]
[null,null,null,"Percent of Loans",null,null,{"$f":"IF(G246,G263/G246)","v":2.9466427919059669E-2},{"$f":"IF(H246,H263/H246)","v":3.5944268854655757E-2},3.3062154025549219E-2,2.9234978609633928E-2,2.6703965421284531E-2,2.4386700584884624E-2,0,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false]
[null,null,null,"Projected Perent of Loans",null,null,null,null,null,null,null,{"$f":"'Master Scenario'!M31","v":2.5999999999999999E-2},{"$f":"L269","v":2.5999999999999999E-2},{"$f":"L269","v":2.5999999999999999E-2},{"$f":"N269","v":2.5999999999999999E-2},2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2]
[null,null,null,"Salary Expense as Percent of Loans",null,null,{"$f":"IF(G3,G268,G269)","v":2.9466427919059669E-2},3.5944268854655757E-2,3.3062154025549219E-2,2.9234978609633928E-2,2.6703965421284531E-2,{"$f":"IF(K3,K268,K269)","v":2.6703965421284531E-2},{"$f":"IF(M3,M268,L269)","v":2.5999999999999999E-2},2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2]
[]
[null,null,null,"Other Cash Expense (less Depreciation)",null,null,{"$f":"G81+G82-G172","v":3148197},{"$f":"H81+H82-H172","v":3713289},4395288,4245528,5840185,5881819,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Percent Increase",null,null,null,{"$f":"IF(H3,H272/G272-1)","v":0.17949702639320231},0.18366440102022752,-3.4072852563927558E-2,0.37560864043294506,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false]
[null,null,null,"Percent of Loans",null,null,{"$f":"IF(G246,G272/G246)","v":2.8248206048328742E-2},{"$f":"IF(H246,H272/H246)","v":3.1880503554787984E-2},3.1975825619100992E-2,2.3848839072516313E-2,2.53382550437979E-2,2.2418072544195616E-2,0,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false]
[]
[null,null,null,"Base Case",null,null,null,null,null,null,null,2.2499999999999999E-2,2.2499999999999999E-2,{"$f":"M276-0.05%","v":2.1999999999999999E-2},{"$f":"N276-0.05%","v":2.1499999999999998E-2},{"$f":"O276-0.05%","v":2.0999999999999998E-2},{"$f":"P276-0.05%","v":2.0499999999999997E-2},{"$f":"Q276","v":2.0499999999999997E-2},{"$f":"R276","v":2.0499999999999997E-2},2.0499999999999997E-2,2.0499999999999997E-2,2.0499999999999997E-2,2.0499999999999997E-2,2.0499999999999997E-2,2.0499999999999997E-2,2.0499999999999997E-2,2.0499999999999997E-2,2.0499999999999997E-2,2.0499999999999997E-2]
[null,null,null,"Low Case",null,null,null,null,null,null,null,2.3E-2,2.3E-2,{"$f":"M277","v":2.3E-2},{"$f":"N277","v":2.3E-2},2.3E-2,2.3E-2,2.3E-2,2.3E-2,2.3E-2,2.3E-2,2.3E-2,2.3E-2,2.3E-2,2.3E-2,2.3E-2,2.3E-2,2.3E-2,2.3E-2]
[null,null,null,"High Case ",null,null,null,null,null,null,null,2.4E-2,2.4E-2,{"$f":"M278-0.1%","v":2.3E-2},{"$f":"N278-0.1%","v":2.1999999999999999E-2},{"$f":"O278-0.1%","v":2.0999999999999998E-2},{"$f":"P278","v":2.0999999999999998E-2},{"$f":"Q278","v":2.0999999999999998E-2},2.0999999999999998E-2,2.0999999999999998E-2,2.0999999999999998E-2,2.0999999999999998E-2,2.0999999999999998E-2,2.0999999999999998E-2,2.0999999999999998E-2,2.0999999999999998E-2,2.0999999999999998E-2,2.0999999999999998E-2,2.0999999999999998E-2]
[null,null,null,"Sensitivity Case",null,null,null,null,null,null,null,{"$f":"'Master Scenario'!M31","v":2.5999999999999999E-2},{"$f":"L279","v":2.5999999999999999E-2},{"$f":"M279","v":2.5999999999999999E-2},{"$f":"N279","v":2.5999999999999999E-2},2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2]
[]
[null,null,null,"Other Expense as Percent of Loans",null,4,{"$f":"IF(G3,G274,INDEX(G276:G279,$F$281))","v":2.8248206048328742E-2},3.1880503554787984E-2,3.1975825619100992E-2,2.3848839072516313E-2,2.53382550437979E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2]
[]
[null,"Income Tax Rate"]
[null,null,null,"Earnings Befoe Tax",null,null,{"$f":"G85","v":7720043},{"$f":"H85","v":8945092},10653269,13618758,14686046,15414706,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Taxes",null,null,{"$f":"G91","v":1943904},{"$f":"H91","v":2137850},2173996,2800960,2967586,3106271,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Historic Income Tax Rate",null,null,{"$f":"IF(G284,G285/G284)","v":0.25179963375851661},{"$f":"IF(H284,H285/H284)","v":0.23899698292650315},0.20406844133946114,0.20566926881291231,0.20206841242360266,0.20151347680585022,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false]
[null,null,null,"Projected Income Tax Rate",null,null,null,null,null,null,null,0.2,0.2,0.2,0.2,0.2,0.2,0.2,0.2,0.2,0.2,0.2,0.2,0.2,0.2,0.2,0.2,0.2,0.2]
[null,null,null,"Applied Tax Rate",null,null,{"$f":"IF(G3,G286,G287)","v":0.25179963375851661},0.23899698292650315,0.20406844133946114,0.20566926881291231,0.20206841242360266,0.2,0.2,0.2,0.2,0.2,0.2,0.2,0.2,0.2,0.2,0.2,0.2,0.2,0.2,0.2,0.2,0.2,0.2]
[]
[null,"Minoity  Interest Perent"]
[null,null,"Minority Income",null,null,null,{"$f":"adjust(G98)","v":0},{"$f":"adjust(H98)","v":0},0,1511,3257,1472,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,"Income Before Minority",null,null,null,{"$f":"G96","v":5776139},{"$f":"H96","v":6807242},8479273,10817798,11718460,12308435,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,"Minority Percent - Historic",null,null,null,{"$f":"IF(G292,G291/G292)","v":0},{"$f":"IF(H292,H291/H292)","v":0},0,1.3967722451463781E-4,2.7793754469443937E-4,1.1959278332298135E-4,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false]
[null,null,"Minority Percent - Projected",null,null,null,null,null,null,null,null,1E-4,1E-4,1E-4,1E-4,1E-4,1E-4,1E-4,1E-4,1E-4,1E-4,1E-4,1E-4,1E-4,1E-4,1E-4,1E-4,1E-4,1E-4]
[null,null,"Minority Interest Applied",null,null,null,{"$f":"IF(G3,G293,G294)","v":0},{"$f":"IF(H3,H293,H294)","v":0},0,1.3967722451463781E-4,2.7793754469443937E-4,1E-4,1E-4,1E-4,1E-4,1E-4,1E-4,1E-4,1E-4,1E-4,1E-4,1E-4,1E-4,1E-4,1E-4,1E-4,1E-4,1E-4,1E-4]
[]
[null,"Dividend Payout Ratio"]
[null,null,null,"Dividends",null,null,{"$f":"-G113","v":1549623},{"$f":"-H113","v":3411135},2741090,2765455,2769413,2769413,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Net Income",null,null,{"$f":"G99","v":5776139},{"$f":"H99","v":6807242},8479273,10819309,11721717,12309907,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Historic Payout Ratio",null,null,{"$f":"IF(G299,G298/G299)","v":0.2682800742849159},{"$f":"IF(H299,H298/H299)","v":0.50110382442698531},0.32326945953975061,0.25560366193441741,0.23626342454778596,0.2249743235265709,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false]
[null,null,null,"Projected Payout",null,null,null,null,null,null,null,0.25,0.25,0.25,0.25,0.25,0.25,0.25,0.25,0.25,0.25,0.25,0.25,0.25,0.25,0.25,0.25,0.25,0.25]
[null,null,null,"Applied Payout Ratio",null,null,{"$f":"IF(G3,G300,G301)","v":0.2682800742849159},0.50110382442698531,0.32326945953975061,0.25560366193441741,0.23626342454778596,0.25,0.25,0.25,0.25,0.25,0.25,0.25,0.25,0.25,0.25,0.25,0.25,0.25,0.25,0.25,0.25,0.25,0.25]
[]
[null,"Capital Adequacy"]
[null,null,null,"Equity Capital",null,null,{"$f":"adjust(G52)+G53","v":23279310},{"$f":"adjust(H52)+H53","v":27856693},34107844,42051764,51969109,56673332,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Total Assets",null,null,{"$f":"G28","v":245569856},{"$f":"H28","v":282392324},324419069,381908353,442994197,447444999,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Capital Adequacy Ratio - Historic",null,null,{"$f":"IF(G306,G305/G306)","v":9.4797099200970333E-2},{"$f":"IF(H306,H305/H306)","v":9.8645361904383777E-2},0.10513513926642826,0.11010956861684562,0.1173132951897336,0.12665988473814632,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false]
[null,null,null,"Capital Adequacy Ratio - Projected",null,null,null,null,null,null,null,0.12,0.12,{"$f":"M308","v":0.12},{"$f":"N308","v":0.12},0.12,0.12,0.12,0.12,0.12,0.12,0.12,0.12,0.12,0.12,0.12,0.12,0.12,0.12]
[null,null,null,"Applied Capital Adequacy",null,null,{"$f":"IF(G3,G307,G308)","v":9.4797099200970333E-2},9.8645361904383777E-2,0.10513513926642826,0.11010956861684562,0.1173132951897336,0.12,0.12,0.12,0.12,0.12,0.12,0.12,0.12,0.12,0.12,0.12,0.12,0.12,0.12,0.12,0.12,0.12,0.12]
[]
[]
["Working"]
[null,"Deposits"]
[null,null,"Deposit Growth",null,null,null,{"$f":"G126","v":0},{"$f":"H126","v":0.15943467674709999},0.13469859645038729,0.16392148966123088,0.14002470474984552,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15]
[null,null,"Deposits",null,null,null,{"$f":"IF(G3,G118,F315*(1+G314))","v":213577063},247628653,280983885,327043182,372837307,428762903.04999995,493077338.50749993,567038939.28362489,652094780.17616856,749908997.2025938,862395346.78298283,991754648.80043018,1140517846.1204946,1311595523.0385687,1508334851.494354,1734585079.2185071,1994772841.1012831,2293988767.2664752,2638087082.3564463,3033800144.7099128,3488870166.4163995,4012200691.378859,4614030795.0856876]
[]
[null,null,"Average Deposits",null,null,null,{"$f":"AVERAGE(G315,F315)","v":213577063},{"$f":"AVERAGE(H315,G315)","v":230602858},264306269,304013533.5,349940244.5,400800105.02499998,460920120.77874994,530058138.89556241,609566859.72989678,701001888.68938112,806152171.99278831,927074997.79170656,1066136247.4604623,1226056684.5795317,1409965187.2664614,1621459965.3564305,1864678960.1598949,2144380804.1838791,2466037924.8114605,2835943613.5331793,3261335155.5631561,3750535428.8976293,4313115743.2322731]
[null,null,"Deposit Rate",null,null,null,{"$f":"G233","v":3.2287038613317762E-2},{"$f":"H233","v":3.4630362300193174E-2},2.9016801413817392E-2,2.5193128318414155E-2,2.1585707156354231E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2]
[null,null,"Deposit Expense",null,null,null,{"$f":"G317*G318","v":6895770.8799999999},{"$f":"H317*H318","v":7985860.5199999996},7669322.5199999996,7659051.96,7553707.6399999997,6012001.5753749991,6913801.8116812492,7950872.0834334362,9143502.895948451,10515028.330340717,12092282.579891825,13906124.966875598,15992043.711906934,18390850.268692974,21149477.80899692,24321899.480346456,27970184.402398422,32165712.062758185,36990568.872171909,42539154.202997684,48920027.333447337,56258031.433464438,64696736.148484096]
[null,null,"Increase in Deposits",null,null,null,null,{"$f":"H315-G315","v":34051590},{"$f":"I315-H315","v":33355232},46059297,45794125,55925596.049999952,64314435.457499981,73961600.776124954,85055840.892543674,97814217.026425242,112486349.58038902,129359302.01744735,148763197.32006443,171077676.91807413,196739328.45578527,226250227.72415304,260187761.88277602,299215926.16519213,344098315.08997107,395713062.35346651,455070021.7064867,523330524.96245956,601830103.70682859]
[]
[null,"Loans"]
[null,null,"Loans to Deposits",null,null,null,{"$f":"G151","v":0.53490090366117637},{"$f":"H151","v":0.50821205250427948},0.56080534298257001,0.63230035781635707,0.70508278024870508,0.85,0.9,0.95,1,1,1,1,1,1,1,1,1,1,1,1,1,1,1]
[null,null,"Gross Loans",null,null,null,{"$f":"G323*G315","v":114242564},{"$f":"H323*H315","v":125847866},157577264,206789521,262881165,364448467.59249997,443769604.65674996,538686992.31944358,652094780.17616856,749908997.2025938,862395346.78298283,991754648.80043018,1140517846.1204946,1311595523.0385687,1508334851.494354,1734585079.2185071,1994772841.1012831,2293988767.2664752,2638087082.3564463,3033800144.7099128,3488870166.4163995,4012200691.378859,4614030795.0856876]
[null,null,"Average Gross Loans",null,null,null,{"$f":"AVERAGE(G324,F324)","v":114242564},{"$f":"AVERAGE(H324,G324)","v":120045215},141712565,182183392.5,234835343,313664816.29624999,404109036.12462497,491228298.48809677,595390886.24780607,701001888.68938112,806152171.99278831,927074997.79170656,1066136247.4604623,1226056684.5795317,1409965187.2664614,1621459965.3564305,1864678960.1598949,2144380804.1838791,2466037924.8114605,2835943613.5331793,3261335155.5631561,3750535428.8976293,4313115743.2322731]
[]
[null,null,"Increase in Loans",null,null,null,null,{"$f":"H324-G324","v":11605302},31729398,49212257,56091644,101567302.59249997,79321137.064249992,94917387.66269362,113407787.85672498,97814217.026425242,112486349.58038902,129359302.01744735,148763197.32006443,171077676.91807413,196739328.45578527,226250227.72415304,260187761.88277602,299215926.16519213,344098315.08997107,395713062.35346651,455070021.7064867,523330524.96245956,601830103.70682859]
[]
[null,null,"Loan Loss Percent",null,null,null,{"$f":"G166","v":1.5354601109968086E-2},1.2841827972901709E-4,4.6383395854841802E-3,3.0694839541974168E-3,2.1234878601727337E-3,2E-3,2E-3,2E-3,2E-3,2E-3,2E-3,2E-3,2E-3,2E-3,2E-3,2E-3,2E-3,2E-3,2E-3,2E-3,2E-3,2E-3,2E-3]
[null,null,"Loan Loss Provisions",null,null,null,{"$f":"G329*G325","v":1754149},{"$f":"H329*H325","v":15415.999999999998},657311,559209,498669.99999999994,627329.63259249995,808218.0722492499,982456.5969761936,1190781.7724956123,1402003.7773787624,1612304.3439855766,1854149.9955834132,2132272.4949209248,2452113.3691590633,2819930.3745329226,3242919.930712861,3729357.92031979,4288761.6083677588,4932075.8496229211,5671887.2270663586,6522670.3111263122,7501070.857795259,8626231.486464547]
[]
[null,null,"Net Loans"]
[null,null,null,"Opening Balance",null,null,null,{"$f":"G336","v":111447679},{"$f":"H336","v":121502782},153410401,202626049,258351630,359291602.95990747,437804521.95190823,531739453.01762563,643956459.10185492,740368672.35090137,851242717.58730483,978747869.60916877,1125378794.4343121,1294004357.9832273,1487923756.0644796,1710931063.8579197,1967389467.8203759,2262316632.3772001,2601482871.6175485,2991524046.7439485,3440071398.1393089,3955900852.2439733]
[null,null,null,"Add: New Loans",null,null,null,{"$f":"H327","v":11605302},{"$f":"I327","v":31729398},49212257,56091644,101567302.59249997,79321137.064249992,94917387.66269362,113407787.85672498,97814217.026425242,112486349.58038902,129359302.01744735,148763197.32006443,171077676.91807413,196739328.45578527,226250227.72415304,260187761.88277602,299215926.16519213,344098315.08997107,395713062.35346651,455070021.7064867,523330524.96245956,601830103.70682859]
[null,null,null,"Less: Provisions",null,null,null,{"$f":"H330","v":15415.999999999998},{"$f":"I330","v":657311},559209,498669.99999999994,627329.63259249995,808218.0722492499,982456.5969761936,1190781.7724956123,1402003.7773787624,1612304.3439855766,1854149.9955834132,2132272.4949209248,2452113.3691590633,2819930.3745329226,3242919.930712861,3729357.92031979,4288761.6083677588,4932075.8496229211,5671887.2270663586,6522670.3111263122,7501070.857795259,8626231.486464547]
[null,null,null,"Closing Balance",null,null,{"$f":"IF(G3,G17,G333+G334-G335)","v":111447679},121502782,153410401,202626049,258351630,359291602.95990747,437804521.95190823,531739453.01762563,643956459.10185492,740368672.35090137,851242717.58730483,978747869.60916877,1125378794.4343121,1294004357.9832273,1487923756.0644796,1710931063.8579197,1967389467.8203759,2262316632.3772001,2601482871.6175485,2991524046.7439485,3440071398.1393089,3955900852.2439733,4549104724.4643373]
[]
[null,null,null,"Average Loans",null,null,{"$f":"AVERAGE(G336,G333)","v":111447679},{"$f":"AVERAGE(H336,H333)","v":116475230.5},137456591.5,178018225,230488839.5,308821616.47995377,398548062.45590782,484771987.48476696,587847956.0597403,692162565.7263782,795805694.9691031,914995293.5982368,1052063332.0217404,1209691576.2087698,1390964057.0238533,1599427409.9611998,1839160265.8391478,2114853050.098788,2431899751.9973745,2796503459.1807485,3215797722.4416285,3697986125.1916409,4252502788.3541555]
[null,null,null,"Interest Rate",null,null,{"$f":"G254","v":0.13391528611376466},{"$f":"H254","v":0.15439545006953218},0.11654898914032798,0.11786648813625683,0.10443931622554767,9.1999999999999998E-2,9.1999999999999998E-2,9.2999999999999999E-2,9.4E-2,9.5000000000000001E-2,9.5000000000000001E-2,9.5000000000000001E-2,9.5000000000000001E-2,9.5000000000000001E-2,9.5000000000000001E-2,9.5000000000000001E-2,9.5000000000000001E-2,9.5000000000000001E-2,9.5000000000000001E-2,9.5000000000000001E-2,9.5000000000000001E-2,9.5000000000000001E-2,9.5000000000000001E-2]
[null,null,null,"Interest Income",null,null,{"$f":"G338*G339","v":14924547.82},{"$f":"H338*H339","v":17983245.635000002},16020426.789999999,20982383.004999999,24072096.795000002,28411588.716155745,36666421.745943516,45083794.83608333,55257707.869615592,65755443.744005933,75601541.02206479,86924552.891832501,99946016.542065337,114920699.73983313,132141585.41726607,151945603.94631398,174720225.25471905,200911039.75938487,231030476.43975058,265667828.6221711,305500783.63195473,351308681.89320588,403987764.89364481]
[]
[null,"Cash"]
[null,null,"Cash to Deposit Ratio",null,null,null,{"$f":"G133","v":0.13286508673452449},{"$f":"H133","v":0.37146530454212018},0.30890015632035267,0.15036561440990381,0.20624170531303618,0.18,0.18,0.18,0.18,0.18,0.18,0.18,0.18,0.18,0.18,0.18,0.18,0.18,0.18,0.18,0.18,0.18,0.18]
[null,null,"Cash  ",null,null,null,{"$f":"G343*G315","v":28376935},91985453,86795966,49176048.999999993,76894602,77177322.548999995,88753920.931349978,102067009.07105248,117377060.43171033,134983619.49646688,155231162.42093691,178515836.78407744,205293212.30168903,236087194.14694238,271500273.26898372,312225314.25933129,359059111.39823091,412917978.10796553,474855674.82416034,546084026.04778433,627996629.95495188,722196124.44819462,830525543.1154238]
[null,null,"Average Cash",null,null,null,{"$f":"AVERAGE(G344,F344)","v":28376935},{"$f":"AVERAGE(H344,G344)","v":60181194},89390709.5,67986007.5,63035325.5,77035962.274499997,82965621.740174979,95410465.001201227,109722034.7513814,126180339.9640886,145107390.95870191,166873499.60250717,191904524.54288322,220690203.2243157,253793733.70796305,291862793.76415753,335642212.82878113,385988544.75309825,443886826.4660629,510469850.43597233,587040328.00136805,675096377.20157325,776360833.78180921]
[null,null,"Interest Income Rate on Cash",null,null,null,{"$f":"G239","v":0.03},{"$f":"H239","v":0.03},0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03]
[null,null,"Interest Income on Cash",null,null,null,{"$f":"G346*G345","v":851308.04999999993},{"$f":"H346*H345","v":1805435.8199999998},2681721.2849999997,2039580.2249999999,1891059.7649999999,2311078.8682349999,2488968.6522052493,2862313.9500360368,3291661.042541442,3785410.1989226579,4353221.7287610574,5006204.9880752154,5757135.7362864967,6620706.0967294704,7613812.0112388916,8755883.8129247259,10069266.384863434,11579656.342592947,13316604.793981887,15314095.51307917,17611209.840041041,20252891.316047195,23290825.013454277]
[null,null,"Increase in Cash",null,null,null,null,{"$f":"H344-G344","v":63608518},{"$f":"I344-H344","v":-5189487},-37619917.000000007,27718553.000000007,282720.54899999499,11576598.382349983,13313088.139702499,15310051.360657856,17606559.064756542,20247542.924470037,23284674.363140523,26777375.517611593,30793981.845253348,35413079.122041345,40725040.990347564,46833797.138899624,53858866.709734619,61937696.716194808,71228351.223623991,81912603.907167554,94199494.493242741,108329418.66722918]
[]
[null,"Fixed Debt"]
[null,null,"Base for Projected Repayment",null,null,null,{"$f":"SUMIF(4:4,TRUE,355:355)","v":2698369}]
[null,null,"Opening Balance",null,null,null,null,{"$f":"G355","v":1114353},{"$f":"H355","v":1141921},1580653,1974599,2698369,1403151.8800000001,1133314.98,863478.08,593641.17999999993,323804.27999999991,53967.379999999888,-1.1641532182693481E-10,-1.1641532182693481E-10,-1.1641532182693481E-10,-1.1641532182693481E-10,-1.1641532182693481E-10,-1.1641532182693481E-10,-1.1641532182693481E-10,-1.1641532182693481E-10,-1.1641532182693481E-10,-1.1641532182693481E-10,-1.1641532182693481E-10]
[null,null,"Less Projected Reapyment",null,null,null,{"$f":"$G$351*G222","v":0},{"$f":"$G$351*H222","v":0},0,0,0,1295217.1199999999,269836.90000000002,269836.90000000002,269836.90000000002,269836.90000000002,269836.90000000002,53967.380000000005,0,0,0,0,0,0,0,0,0,0,0]
[null,null,"Add: Net Debt Issued",null,null,null,null,{"$f":"IF(H3,H355-H352,0)","v":27568},438732,393946,723770,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,"Closing Balance",null,null,null,{"$f":"G217","v":1114353},{"$f":"IF(H3,H217,H352-H353)","v":1141921},1580653,1974599,2698369,1403151.8800000001,1133314.98,863478.08,593641.17999999993,323804.27999999991,53967.379999999888,-1.1641532182693481E-10,-1.1641532182693481E-10,-1.1641532182693481E-10,-1.1641532182693481E-10,-1.1641532182693481E-10,-1.1641532182693481E-10,-1.1641532182693481E-10,-1.1641532182693481E-10,-1.1641532182693481E-10,-1.1641532182693481E-10,-1.1641532182693481E-10,-1.1641532182693481E-10]
[null,null,"Interest Rate",null,null,null,{"$f":"G218","v":0.04},{"$f":"H218","v":0.04},0.04,0.04,0.04,0.04,0.04,0.04,0.04,0.04,0.04,0.04,0.04,0.04,0.04,0.04,0.04,0.04,0.04,0.04,0.04,0.04,0.04]
[null,null,"Interest Expense",null,null,null,{"$f":"G356*AVERAGE(G355,G352)","v":44574.12},{"$f":"H356*AVERAGE(H355,H352)","v":45125.48},54451.48,71105.040000000008,93459.36,82030.417600000001,50729.337200000009,39935.861199999999,29142.385199999997,18348.909199999998,7555.4331999999958,1079.3475999999955,-4.6566128730773927E-12,-4.6566128730773927E-12,-4.6566128730773927E-12,-4.6566128730773927E-12,-4.6566128730773927E-12,-4.6566128730773927E-12,-4.6566128730773927E-12,-4.6566128730773927E-12,-4.6566128730773927E-12,-4.6566128730773927E-12,-4.6566128730773927E-12]
[]
[null,"Trading Assets and Income"]
[null,null,"Trading Assets",null,null,null,{"$f":"IF(G3,G136,F360)","v":206766},37410,63966,2567832,1441725,1441725,1441725,1441725,1441725,1441725,1441725,1441725,1441725,1441725,1441725,1441725,1441725,1441725,1441725,1441725,1441725,1441725,1441725]
[null,null,"Average Trading Assets",null,null,null,{"$f":"AVERAGE(F360,G360)","v":206766},{"$f":"AVERAGE(G360,H360)","v":122088},50688,1315899,2004778.5,1441725,1441725,1441725,1441725,1441725,1441725,1441725,1441725,1441725,1441725,1441725,1441725,1441725,1441725,1441725,1441725,1441725,1441725]
[null,null,"Trading Return",null,null,null,{"$f":"G140","v":false},{"$f":"H140","v":0},0,{"$f":"J140","v":0.88072716827051312},0.30164728921424488,0.35,0.35,0.35,0.35,0.35,0.35,0.35,0.35,0.35,0.35,0.35,0.35,0.35,0.35,0.35,0.35,0.35,0.35]
[null,null,"Trading Income",null,null,null,{"$f":"G362*G361","v":0},{"$f":"H362*H361","v":0},0,1158948,604736,504603.74999999994,504603.74999999994,504603.74999999994,504603.74999999994,504603.74999999994,504603.74999999994,504603.74999999994,504603.74999999994,504603.74999999994,504603.74999999994,504603.74999999994,504603.74999999994,504603.74999999994,504603.74999999994,504603.74999999994,504603.74999999994,504603.74999999994,504603.74999999994]
[]
[null,"Other Income"]
[null,null,"Average Deposits",null,null,null,{"$f":"G317","v":213577063},{"$f":"H317","v":230602858},264306269,304013533.5,349940244.5,400800105.02499998,460920120.77874994,530058138.89556241,609566859.72989678,701001888.68938112,806152171.99278831,927074997.79170656,1066136247.4604623,1226056684.5795317,1409965187.2664614,1621459965.3564305,1864678960.1598949,2144380804.1838791,2466037924.8114605,2835943613.5331793,3261335155.5631561,3750535428.8976293,4313115743.2322731]
[null,null,"Other Income/Deposits",null,null,null,{"$f":"G260","v":2.1534760968222509E-2},{"$f":"H260","v":1.4504473314029785E-2},3.0010018415416399E-2,1.6966044046193753E-2,1.7721811359139059E-2,2.1000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2]
[null,null,"Other Income  ",null,null,null,{"$f":"G367*G366","v":4599331},{"$f":"H367*H366","v":3344773},7931836,5157907,6201575,8416802.2055249996,7835642.0532387495,9010988.3612245619,10362636.615408245,11917032.107719479,13704586.923877403,15760274.962459013,18124316.20682786,20842963.637852039,23969408.183529846,27564819.41105932,31699542.322718218,36454473.671125948,41922644.721794829,48211041.430064052,55442697.644573659,63759102.291259699,73322967.634948641]
[]
[null,"Salaries Expense"]
[null,null,"Average Loans",null,null,null,{"$f":"G338","v":111447679},{"$f":"H338","v":116475230.5},137456591.5,178018225,230488839.5,308821616.47995377,398548062.45590782,484771987.48476696,587847956.0597403,692162565.7263782,795805694.9691031,914995293.5982368,1052063332.0217404,1209691576.2087698,1390964057.0238533,1599427409.9611998,1839160265.8391478,2114853050.098788,2431899751.9973745,2796503459.1807485,3215797722.4416285,3697986125.1916409,4252502788.3541555]
[null,null,"Salaries as Percent of Loans",null,null,null,{"$f":"G270","v":2.9466427919059669E-2},{"$f":"H270","v":3.5944268854655757E-2},3.3062154025549219E-2,2.9234978609633928E-2,{"$f":"L270","v":2.6703965421284531E-2},{"$f":"M270","v":2.5999999999999999E-2},2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,0]
[null,null,"Total Salaries",null,null,null,{"$f":"G371*G372","v":3283965},{"$f":"H371*H372","v":4186617.0000000005},4544611,5204359,6154966,8029362.0284787975,10362249.623853603,12604071.674603941,15284046.857553247,17996226.708885834,20690948.069196679,23789877.633554157,27353646.632565249,31451980.981428012,36165065.482620187,41585112.658991195,47818166.911817841,54986179.302568488,63229393.551931731,72709089.938699454,83610740.783482343,96147639.254982665,0]
[]
[null,"Other Expense"]
[null,null,"Average Loans",null,null,null,{"$f":"G371","v":111447679},{"$f":"H371","v":116475230.5},137456591.5,178018225,230488839.5,308821616.47995377,398548062.45590782,484771987.48476696,587847956.0597403,692162565.7263782,795805694.9691031,914995293.5982368,1052063332.0217404,1209691576.2087698,1390964057.0238533,1599427409.9611998,1839160265.8391478,2114853050.098788,2431899751.9973745,2796503459.1807485,3215797722.4416285,3697986125.1916409,4252502788.3541555]
[null,null,"Other Expenses as Percent of Loans",null,null,null,{"$f":"G281","v":2.8248206048328742E-2},{"$f":"H281","v":3.1880503554787984E-2},3.1975825619100992E-2,2.3848839072516313E-2,2.53382550437979E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2]
[null,null,"Total Other Expense",null,null,null,{"$f":"G377*G376","v":3148197},{"$f":"H377*H376","v":3713289},4395288,4245528,5840185,8029362.0284787975,10362249.623853603,12604071.674603941,15284046.857553247,17996226.708885834,20690948.069196679,23789877.633554157,27353646.632565249,31451980.981428012,36165065.482620187,41585112.658991195,47818166.911817841,54986179.302568488,63229393.551931731,72709089.938699454,83610740.783482343,96147639.254982665,110565072.49720804]
[]
[null,"Depreciation and Capital Assets"]
[null,null,"Opening Balance",null,null,null,null,{"$f":"G384","v":5162253},{"$f":"H384","v":5913511},6825205,7818396,10620365,13995412.600000001,17823257.554500002,22173423.26024,27125813.509664048,32772270.993690062,39218369.536592685,46585475.124115229,55013116.045055144,64661708.514566369,75715691.102621689,88387129.2895592,102919860.668891,119594261.89554562,138732730.64240882,160705989.81742555,185940337.38133511,214925983.60709226]
[null,null,"Add: Capital Expenditues",null,null,null,{"$f":"G184","v":1014455},{"$f":"G382*(1+H191)","v":930497},1118823,1727384,3211877,3693658.55,4247707.3324999996,4884863.4323749989,5617592.947231248,6460231.8893159349,7429266.6727133244,8543656.6736203227,9825205.1746633705,11298985.950862875,12993833.843492305,14942908.920016149,17184345.258018572,19761997.046721358,22726296.603729561,26135241.094288994,30055527.25843234,34563856.34719719,39748434.799276762]
[null,null,"Less: Retirements",null,null,null,null,{"$f":"IF(H3,H384-H381-H382,H381*H181)","v":-179239},-207129,-734193,-409908,318610.95,419862.37800000003,534697.72663500009,665202.69780720002,813774.40528992144,983168.12981070182,1176551.0860977804,1397564.2537234568,1650393.4813516543,1939851.2554369911,2271470.7330786507,2651613.8786867759,3087595.82006673,3587827.8568663686,4161981.9192722645,4821179.6945227664,5578210.121440053,6447779.5082127675]
[null,null,"Closing Balance",null,null,null,{"$f":"IF(G3,G168,G381+G382-G383)","v":5162253},5913511,6825205,7818396,10620365,13995412.600000001,17823257.554500002,22173423.26024,27125813.509664048,32772270.993690062,39218369.536592685,46585475.124115229,55013116.045055144,64661708.514566369,75715691.102621689,88387129.2895592,102919860.668891,119594261.89554562,138732730.64240882,160705989.81742555,185940337.38133511,214925983.60709226,248226638.89815626]
[null,null,"Depreciation Rate",null,null,null,{"$f":"G177","v":7.1441674788120607E-2},{"$f":"H177","v":9.6615637530738291E-2},9.7056092623463777E-2,0.10145550947475283,9.3777125263459951E-2,0.09,0.09,0.09,0.09,0.09,0.09,0.09,0.09,0.09,0.09,0.09,0.09,0.09,0.09,0.09,0.09,0.09,0.09]
[]
[null,null,"Depreciation Expense",null,null,null,{"$f":"AVERAGE(G384,G381)*G385","v":368799.99999999994},{"$f":"AVERAGE(H384,H381)*H385","v":535046},618185,742837,864567,1107709.9920000001,1431840.1569525001,1799850.6366633,2218465.6546456818,2695413.802650935,3239578.8238627235,3861173.0097318562,4571936.6026126668,5385367.1051829681,6316982.9827734623,7384626.9176481394,8608814.5481302589,10013135.515399648,11624714.66420795,13474742.420692544,15599084.723944228,18038984.444479231,20841868.012736183]
[null,null,"Accumulated Depreciation",null,null,null,{"$f":"IF(G3,G170,F388+G387-G383)","v":2517468},2942242,3418248,3673737,4213740,5002839.0420000004,6014816.8209525011,7279969.7309808014,8833232.6878192835,10714872.085180297,12971282.779232319,15655904.702866394,18830277.051755603,22565250.675586917,26942382.402923387,32055538.587492876,38012739.256936356,44938278.952269278,52975165.759610862,62287926.261031143,73065831.2904526,85526605.613491774,99920694.1180152]
[null,null,"Net Plant",null,null,null,{"$f":"G384-G388","v":2644785},{"$f":"H384-H388","v":2971269},3406957,4144659,6406625,8992573.5580000021,11808440.733547501,14893453.529259197,18292580.821844764,22057398.908509765,26247086.757360365,30929570.421248835,36182838.993299544,42096457.838979453,48773308.699698299,56331590.702066325,64907121.411954641,74655982.943276346,85757564.882797956,98418063.556394398,112874506.09088251,129399377.99360049,148305944.78014106]
[]
[null,"Working Capital"]
[null,null,"Revenues",null,null,null,{"$f":"G448","v":14521005},{"$f":"H448","v":17380044},20211353,23811482,27545764.000000004,35414156.144348249,41146492.465897076,49422013.016883902,59305693.044805661,70908717.224916562,82805509.879386917,97774133.26123257,117683775.03698072,145947921.10228077,189157011.7748678,260228254.46691632,384690994.21555895,613253007.3370074,1046926206.1129347,1887270135.4762988,3536869866.5728216,6800281318.8763752,13285909869.42458]
[null,null,"Other Current Assets to Revenue",null,null,null,{"$f":"G198","v":0},{"$f":"H198","v":0},0,5.348671703844389E-2,7.0674859481116584E-2,5.5E-2,5.5E-2,5.5E-2,5.5E-2,5.5E-2,5.5E-2,5.5E-2,5.5E-2,5.5E-2,5.5E-2,5.5E-2,5.5E-2,5.5E-2,5.5E-2,5.5E-2,5.5E-2,5.5E-2,5.5E-2]
[null,null,"Level of Current Assets",null,null,null,{"$f":"G392*G393","v":0},{"$f":"H392*H393","v":0},0,1273598,1946793.0000000002,1947778.5879391537,2263057.0856243391,2718210.7159286146,3261813.1174643114,3899979.4473704109,4554303.0433662804,5377577.3293677913,6472607.6270339396,8027135.6606254419,10403635.647617729,14312553.995680397,21158004.681855742,33728915.403535411,57580941.336211406,103799857.45119643,194527842.66150519,374015472.53820062,730725042.81835186]
[]
[null,null,"Total Expeses",null,null,null,{"$f":"G450+G451","v":6432162},{"$f":"H450+H451","v":7899906},8939899,9449887,11995151,16058724.056957595,20724499.247707207,25208143.349207882,30568093.715106495,35992453.417771667,41381896.138393357,47579755.267108314,54707293.265130498,62903961.962856025,72330130.965240374,83170225.317982391,95636333.823635682,109972358.60513698,126458787.10386346,145418179.87739891,167221481.56696469,192295278.50996533,110565072.49720804]
[null,null,"Other Current Liabilities to Expenses",null,null,null,{"$f":"G205","v":0.76073208355137822},{"$f":"H205","v":0.41763180473286643},0.47145868202761576,0.83559475367271585,0.97347303089390036,1,1,1,1,1,1,1,1,1,1,1,1,1,1,1,1,1,1]
[]
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["Income Statement"]
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[null,null,null,"Total Non-Interest Expense",null,null,{"$f":"SUM(G450:G452)","v":6800962},{"$f":"SUM(H450:H452)","v":8434952},9558084,10192724,12859718,17166434.048957594,22156339.404659707,27007993.985871181,32786559.369752176,38687867.220422603,44621474.962256081,51440928.276840173,59279229.867743164,68289329.068039,78647113.948013842,90554852.235630527,104245148.37176594,119985494.12053663,138083501.76807141,158892922.29809144,182820566.2909089,210334262.95444456,131406940.50994423]
[]
[null,null,"Earnings Before Tax",null,null,null,{"$f":"G448-G453","v":7720043},{"$f":"H448-H453","v":8945092},10653269,13618758,14686046.000000004,18247722.095390655,18990153.061237369,22414019.031012721,26519133.675053485,32220850.004493959,38184034.917130835,46333204.984392397,58404545.169237554,77658592.034241766,110509897.82685396,169673402.23128581,280445845.84379303,493267513.21647078,908842704.3448633,1728377213.1782074,3354049300.2819128,6589947055.9219303,13154502928.914635]
[null,null,"Less: Income Tax",null,null,null,{"$f":"G455*G288","v":1943903.9999999998},2137850,2173996,2800960,2967586.0000000009,3649544.4190781312,3798030.612247474,4482803.8062025448,5303826.7350106975,6444170.0008987924,7636806.9834261676,9266640.9968784805,11680909.033847511,15531718.406848354,22101979.565370794,33934680.446257167,56089169.168758608,98653502.643294156,181768540.86897266,345675442.63564152,670809860.05638266,1317989411.1843863,2630900585.782927]
[null,null,null,"Net Income",null,null,{"$f":"G455-G456","v":5776139},{"$f":"H455-H456","v":6807242},8479273,10817798,11718460.000000004,14598177.676312525,15192122.448989894,17931215.224810176,21215306.940042786,25776680.003595166,30547227.933704667,37066563.987513915,46723636.135390043,62126873.62739341,88407918.261483163,135738721.78502864,224356676.67503443,394614010.57317662,727074163.47589064,1382701770.5425658,2683239440.2255301,5271957644.7375441,10523602343.131708]
[null,null,"Less: Minority Interest",null,null,null,{"$f":"G457*G295","v":0},0,0,1510.9999999999998,3257.0000000000009,1459.8177676312525,1519.2122448989894,1793.1215224810176,2121.5306940042788,2577.6680003595166,3054.7227933704667,3706.6563987513919,4672.3636135390043,6212.6873627393416,8840.7918261483173,13573.872178502865,22435.667667503443,39461.401057317664,72707.416347589067,138270.17705425658,268323.94402255304,527195.76447375445,1052360.2343131709]
[null,null,null,"Income After Minority",null,null,{"$f":"G457-G458","v":5776139},{"$f":"H457-H458","v":6807242},8479273,10816287,11715203.000000004,14596717.858544894,{"$f":"M457-M458","v":15190603.236744996},17929422.103287693,21213185.409348782,25774102.335594807,30544173.210911296,37062857.331115164,46718963.771776505,62120660.940030672,88399077.469657019,135725147.91285014,224334241.00736693,394574549.17211932,727001456.05954301,1382563500.3655117,2682971116.2815075,5271430448.9730701,10522549982.897394]
[]
[null,null,null,"Dividend Payout",null,null,{"$f":"G302","v":0.2682800742849159},{"$f":"H302","v":0.50110382442698531},0.32326945953975061,0.25560366193441741,0.23626342454778596,0.25,0.25,0.25,0.25,0.25,0.25,0.25,0.25,0.25,0.25,0.25,0.25,0.25,0.25,0.25,0.25,0.25,0.25]
[null,null,null,"Common Dividends",null,null,{"$f":"MAX(G461*G457,0)","v":1549622.9999999998},{"$f":"MAX(H461*H457,0)","v":3411135.0000000005},2741090,2765068.782866817,2768643.4900262486,3649544.4190781312,3798030.6122474736,4482803.8062025439,5303826.7350106966,6444170.0008987915,7636806.9834261667,9266640.9968784787,11680909.033847511,15531718.406848352,22101979.565370791,33934680.446257159,56089169.168758608,98653502.643294156,181768540.86897266,345675442.63564146,670809860.05638254,1317989411.184386,2630900585.782927]
[null,null,null,"Minority Dividends",null,null,{"$f":"G461*G458","v":0},{"$f":"H461*H458","v":0},0,386.21713318290466,769.5099737521391,364.95444190781313,379.80306122474735,448.28038062025439,530.38267350106969,644.41700008987914,763.68069834261667,926.66409968784797,1168.0909033847511,1553.1718406848354,2210.1979565370793,3393.4680446257162,5608.9169168758608,9865.3502643294159,18176.854086897267,34567.544263564145,67080.98600563826,131798.94111843861,263090.05857829272]
[]
["Cash Flow"]
[null,"Interest Margin",null,null,null,null,{"$f":"G443","v":11675823},{"$f":"H443","v":14050687},12936828,18053836,21238123.000000004,27120079.821415745,33614464.734907575,40888877.502635531,49629234.451893032,59889085.144575857,70208623.549495086,83363404.544356972,101187127.57507378,127052467.0835878,167502930.21587086,235401751.23656985,356216206.06316054,580582691.5242492,1009431033.4907628,1844226377.5233011,3487445235.4893742,6743518683.6929111,13220708529.526096]
[null,"Add: Trading Income",null,null,null,null,{"$f":"G445","v":0},{"$f":"H445","v":0},0,1158948,604736,504603.74999999994,504603.74999999994,504603.74999999994,504603.74999999994,504603.74999999994,504603.74999999994,504603.74999999994,504603.74999999994,504603.74999999994,504603.74999999994,504603.74999999994,504603.74999999994,504603.74999999994,504603.74999999994,504603.74999999994,504603.74999999994,504603.74999999994,504603.74999999994]
[null,"Add: Other Income",null,null,null,null,{"$f":"G446","v":4599331},{"$f":"H446","v":3344773},7931836,5157907,6201575,8416802.2055249996,7835642.0532387495,9010988.3612245619,10362636.615408245,11917032.107719479,13704586.923877403,15760274.962459013,18124316.20682786,20842963.637852039,23969408.183529846,27564819.41105932,31699542.322718218,36454473.671125948,41922644.721794829,48211041.430064052,55442697.644573659,63759102.291259699,73322967.634948641]
[null,"Less: Salaries",null,null,null,null,{"$f":"G450","v":3283965},{"$f":"H450","v":4186617.0000000005},4544611,5204359,6154966,8029362.0284787975,10362249.623853603,12604071.674603941,15284046.857553247,17996226.708885834,20690948.069196679,23789877.633554157,27353646.632565249,31451980.981428012,36165065.482620187,41585112.658991195,47818166.911817841,54986179.302568488,63229393.551931731,72709089.938699454,83610740.783482343,96147639.254982665,0]
[null,"Less: Other Expense",null,null,null,null,{"$f":"G451","v":3148197},{"$f":"H451","v":3713289},4395288,4245528,5840185,8029362.0284787975,10362249.623853603,12604071.674603941,15284046.857553247,17996226.708885834,20690948.069196679,23789877.633554157,27353646.632565249,31451980.981428012,36165065.482620187,41585112.658991195,47818166.911817841,54986179.302568488,63229393.551931731,72709089.938699454,83610740.783482343,96147639.254982665,110565072.49720804]
[null,"Less: Income Tax",null,null,null,null,{"$f":"G456","v":1943903.9999999998},{"$f":"H456","v":2137850},2173996,2800960,2967586.0000000009,3649544.4190781312,3798030.612247474,4482803.8062025448,5303826.7350106975,6444170.0008987924,7636806.9834261676,9266640.9968784805,11680909.033847511,15531718.406848354,22101979.565370794,33934680.446257167,56089169.168758608,98653502.643294156,181768540.86897266,345675442.63564152,670809860.05638266,1317989411.1843863,2630900585.782927]
[null,null,"Operating Cash Flow",null,null,null,{"$f":"G466+G467+G468-G469-G470-G471","v":7899088},7357704,9754769,12119844,13081697.000000004,16333217.300905023,17432180.678191647,20713522.458449669,24624554.367184084,29874097.58362487,35399111.101552963,42781886.992829181,53427845.232923642,69964354.101735458,97544831.618789554,146366268.63338962,236694849.14348444,408915907.69694412,743630953.98972154,1401848400.1903245,2705361195.2606001,5297497700.0398188,10553070442.630911]
[null,"Less: Working Capital Change",null,null,null,null,{"$f":"G404","v":0},{"$f":"H404","v":1593900},-915541,-2407885,-3107485,-4380782.4690184407,-4350496.6930644251,-4028490.4711964019,-4816347.9643629156,-4786193.372759074,-4735119.1246258169,-5374584.8427134454,-6032507.7003560364,-6642140.6641340256,-7049669.015392065,-6931176.004679352,-5620657.8194779456,-1765114.0598216206,7365597.4339495003,27259523.341449589,68924683.520742983,154413832.93369478,438439776.29290855]
[null,"Less: Increase in Cash",null,null,null,null,null,{"$f":"H348","v":63608518},{"$f":"I348","v":-5189487},-37619917.000000007,27718553.000000007,282720.54899999499,11576598.382349983,13313088.139702499,15310051.360657856,17606559.064756542,20247542.924470037,23284674.363140523,26777375.517611593,30793981.845253348,35413079.122041345,40725040.990347564,46833797.138899624,53858866.709734619,61937696.716194808,71228351.223623991,81912603.907167554,94199494.493242741,108329418.66722918]
[null,"Less: Capital Expenditures",null,null,null,null,{"$f":"G382","v":1014455},{"$f":"H382","v":930497},1118823,1727384,3211877,3693658.55,4247707.3324999996,4884863.4323749989,5617592.947231248,6460231.8893159349,7429266.6727133244,8543656.6736203227,9825205.1746633705,11298985.950862875,12993833.843492305,14942908.920016149,17184345.258018572,19761997.046721358,22726296.603729561,26135241.094288994,30055527.25843234,34563856.34719719,39748434.799276762]
[null,null,"Cash Flow Before Financing",null,null,null,{"$f":"G472-G473-G475-G474","v":6884633},{"$f":"H472-H473-H475-H474","v":-58775211},14740974,50420262.000000007,-14741248.000000004,16737620.670923468,5958371.6564060897,6544061.3575685732,8513258.0236578956,10593500.002311468,12457420.628995419,16328140.798781782,22857772.241004713,34513526.969753258,56187587.668647975,97629494.72770527,178297364.56604418,337060158.00030977,651601363.23584771,1277225284.530962,2524468380.5742574,5014320516.2656841,9966552812.8714981]
[null,"Add: Increase in Deposits",null,null,null,null,{"$f":"G320","v":0},{"$f":"H320","v":34051590},33355232,46059297,45794125,55925596.049999952,64314435.457499981,73961600.776124954,85055840.892543674,97814217.026425242,112486349.58038902,129359302.01744735,148763197.32006443,171077676.91807413,196739328.45578527,226250227.72415304,260187761.88277602,299215926.16519213,344098315.08997107,395713062.35346651,455070021.7064867,523330524.96245956,601830103.70682859]
[null,"Less: Increase in Loans",null,null,null,null,{"$f":"G327","v":0},11605302,31729398,49212257,56091644,101567302.59249997,79321137.064249992,94917387.66269362,113407787.85672498,97814217.026425242,112486349.58038902,129359302.01744735,148763197.32006443,171077676.91807413,196739328.45578527,226250227.72415304,260187761.88277602,299215926.16519213,344098315.08997107,395713062.35346651,455070021.7064867,523330524.96245956,601830103.70682859]
[null,"Less: Repayment of Loans",null,null,null,null,{"$f":"G353","v":0},0,0,0,0,1295217.1199999999,269836.90000000002,269836.90000000002,269836.90000000002,269836.90000000002,269836.90000000002,53967.380000000005,0,0,0,0,0,0,0,0,0,0,0]
[null,"Less: Dividends",null,null,null,null,{"$f":"G462","v":1549622.9999999998},{"$f":"H462","v":3411135.0000000005},2741090,2765068.782866817,2768643.4900262486,3649544.4190781312,3798030.6122474736,4482803.8062025439,5303826.7350106966,6444170.0008987915,7636806.9834261667,9266640.9968784787,11680909.033847511,15531718.406848352,22101979.565370791,33934680.446257159,56089169.168758608,98653502.643294156,181768540.86897266,345675442.63564146,670809860.05638254,1317989411.184386,2630900585.782927]
[null,"Less: Minority Dividends",null,null,null,null,{"$f":"G463","v":0},{"$f":"H463","v":0},0,386.21713318290466,769.5099737521391,364.95444190781313,379.80306122474735,448.28038062025439,530.38267350106969,644.41700008987914,763.68069834261667,926.66409968784797,1168.0909033847511,1553.1718406848354,2210.1979565370793,3393.4680446257162,5608.9169168758608,9865.3502643294159,18176.854086897267,34567.544263564145,67080.98600563826,131798.94111843861,263090.05857829272]
[null,"Add: New Debt",null,null,null,null,{"$f":"G354","v":0},{"$f":"H354","v":27568},438732,393946,723770,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,"Add:New Equity",null,null,null,null,null,null,null,null,null,-1745412.4469016055,-3217716.8840289684,-3537380.1599221732,-5044355.4343065955,-6236328.7346085077,-7865925.6313419864,-8176307.7115301536,-8396550.7676671203,-8644831.1450213864,-8914076.0790499672,-9205072.3052187935,-9518658.7154919617,-9855723.6081159394,-10217206.932145724,-10604102.653623976,-11017461.245571611,-11458392.30874561,-27162078.44789714]
[null,null,"Net Cash Flow",null,null,null,{"$f":"G476+G477-G478-G479-G480+G482+G483-G481","v":5335010},{"$f":"H476+H477-H478-H479-H480+H482+H483-H481","v":-39712490},14064450,44895793,-27084410.000000004,-35594624.811998188,{"$f":"M476+M477-M478-M479-M480+M482+M483-M481","v":-16334294.149681587},-22702194.67550543,-30457238.39251421,-2357480.0501959212,-3315912.5664710775,-1169701.9537265387,2779144.3485866897,10335424.246042842,25169321.826270681,54486348.508184664,112683927.76487677,228541066.39863527,459597438.58064246,920911171.69743299,1842573978.2862976,3684740913.8314342,7308227058.5820961]
[null,"Add: Reduction in Securities from Negative Cash",null,null,null,null,{"$f":"MIN(MAX(-G484,0),G414)","v":0},39712490,0,0,27084410.000000004,35594624.811998188,16334294.149681587,22702194.67550543,8417027.3628147952,0,3315912.5664710775,1169701.9537265387,0,0,0,0,0,0,0,0,0,0,0]
[null,"Less: Repayment of Debt when Positive",null,null,null,null,{"$f":"MIN(MAX(G484,0),G424)","v":0},0,0,0,0,0,0,0,0,-22040211.029699415,-44080422.05939883,-88160844.11879766,-176321688.23759532,-352643376.47519064,-705286752.95038128,-1410573505.9007626,-2821147011.8015251,-5642294023.6030502,-11284588047.2061,-22569176094.412201,-45138352188.824402,-90276704377.648804,-180553408755.29761]
[null,null,"Cash Flow after Existing ",null,null,null,{"$f":"G484+G485-G486","v":5335010},{"$f":"H484+H485-H486","v":0},14064450,44895793,0,0,0,0,-22040211.029699415,19682730.979503494,44080422.05939883,88160844.11879766,179100832.586182,362978800.72123349,730456074.77665198,1465059854.4089472,2933830939.566402,5870835090.0016851,11744185485.786743,23490087266.109634,46980926167.110703,93961445291.48024,187861635813.8797]
[null,"New Debt when Negative",null,null,null,null,{"$f":"MAX(-G487,0)","v":0},{"$f":"MAX(-H487,0)","v":0},0,0,0,0,0,0,22040211.029699415,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,"Cash when Positive",null,null,null,null,{"$f":"MAX(G487,0)","v":5335010},{"$f":"MAX(H487,0)","v":0},14064450,44895793,0,0,0,0,0,19682730.979503494,44080422.05939883,88160844.11879766,179100832.586182,362978800.72123349,730456074.77665198,1465059854.4089472,2933830939.566402,5870835090.0016851,11744185485.786743,23490087266.109634,46980926167.110703,93961445291.48024,187861635813.8797]
[null,null,"Remainder",null,null,null,{"$f":"G487+G488-G489","v":0},{"$f":"H487+H488-H489","v":0},0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,"Test",null,null,{"$f":"AND(G491:AC491)","v":true},{"$f":"G490=0","v":true},{"$f":"H490=0","v":true},true,true,true,true,true,true,true,true,true,true,true,true,true,true,true,true,true,true,true,true,true]
[]
["Balance Sheet"]
[null,"Common Equity"]
[null,null,"Opening Balance",null,null,null,null,{"$f":"G499","v":23279310},{"$f":"H499","v":27856693},34107844,42002916,51826775,61028535.992565155,69203391.733033717,79112629.8701967,89977633.110228196,103071236.7103157,118112677.30645885,137732585.92916539,164374089.89942726,202318201.28758821,259701223.1128245,352286618.27419865,511013031.39731491,797078354.31802416,1332094062.5764489,2358378017.6526947,4359521812.6322489,8301504458.1121874]
[null,null,"Add: Income",null,null,null,null,{"$f":"H459","v":6807242},{"$f":"I459","v":8479273},10816287,11715203.000000004,14596717.858544894,15190603.236744996,17929422.103287693,21213185.409348782,25774102.335594807,30544173.210911296,37062857.331115164,46718963.771776505,62120660.940030672,88399077.469657019,135725147.91285014,224334241.00736693,394574549.17211932,727001456.05954301,1382563500.3655117,2682971116.2815075,5271430448.9730701,10522549982.897394]
[null,null,"Add: New Equity",null,null,null,null,{"$f":"IF(H3,H499-H495-H496+H498,H483)","v":1181276.0000000005},{"$f":"IF(I3,I499-I495-I496+I498,I483)","v":512968},-156146.21713318303,877299.49002624489,-1745412.4469016055,-3217716.8840289684,-3537380.1599221732,-5044355.4343065955,-6236328.7346085077,-7865925.6313419864,-8176307.7115301536,-8396550.7676671203,-8644831.1450213864,-8914076.0790499672,-9205072.3052187935,-9518658.7154919617,-9855723.6081159394,-10217206.932145724,-10604102.653623976,-11017461.245571611,-11458392.30874561,-27162078.44789714]
[null,null,"Less: Dividends",null,null,null,null,{"$f":"H480","v":3411135.0000000005},{"$f":"I480","v":2741090},2765068.782866817,2768643.4900262486,3649544.4190781312,3798030.6122474736,4482803.8062025439,5303826.7350106966,6444170.0008987915,7636806.9834261667,9266640.9968784787,11680909.033847511,15531718.406848352,22101979.565370791,33934680.446257159,56089169.168758608,98653502.643294156,181768540.86897266,345675442.63564146,670809860.05638254,1317989411.184386,2630900585.782927]
[null,null,"Closing Balance",null,null,null,{"$f":"IF(G3,G50,G495+G496+G497-G498)","v":23279310},27856693,34107844,42002916,51826775,61028535.992565155,69203391.733033717,79112629.8701967,89977633.110228196,103071236.7103157,118112677.30645885,137732585.92916539,164374089.89942726,202318201.28758821,259701223.1128245,352286618.27419865,511013031.39731491,797078354.31802416,1332094062.5764489,2358378017.6526947,4359521812.6322489,8301504458.1121874,16165991776.778757]
[]
[null,"Minority Interest"]
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[null,null,"Add: Minority Income",null,null,null,null,{"$f":"H458","v":0},{"$f":"I458","v":0},1510.9999999999998,3257.0000000000009,1459.8177676312525,1519.2122448989894,1793.1215224810176,2121.5306940042788,2577.6680003595166,3054.7227933704667,3706.6563987513919,4672.3636135390043,6212.6873627393416,8840.7918261483173,13573.872178502865,22435.667667503443,39461.401057317664,72707.416347589067,138270.17705425658,268323.94402255304,527195.76447375445,1052360.2343131709]
[null,null,"Less: Minority Dividends",null,null,null,null,{"$f":"H481","v":0},{"$f":"I481","v":0},386.21713318290466,769.5099737521391,364.95444190781313,379.80306122474735,448.28038062025439,530.38267350106969,644.41700008987914,763.68069834261667,926.66409968784797,1168.0909033847511,1553.1718406848354,2210.1979565370793,3393.4680446257162,5608.9169168758608,9865.3502643294159,18176.854086897267,34567.544263564145,67080.98600563826,131798.94111843861,263090.05857829272]
[null,null,"Closing Balance",null,null,null,{"$f":"IF(G3,adjust(G52),G502+G503-G504)","v":0},0,0,24424,71167,72261.863325723432,73401.272509397662,74746.11365125842,76337.261671761633,78270.512672031269,80561.554767059119,83341.547066122672,86845.819776276912,91505.335298331411,98135.929167942639,108316.33330181979,125143.08405244736,154739.13484543562,209269.69710612739,312972.32989681978,514215.28791373456,909612.11126905039,1698882.2870039283]
[]
[null,"Assets"]
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[null,null,"Investment Securities",null,null,null,{"$f":"G417","v":94677071},{"$f":"H417","v":58189032},72374563,111760755,83048141,47453516.188001812,31119222.038320225,8417027.3628147952,0,19682730.979503494,60447240.472431242,147438382.63750237,326539215.22368437,689518015.94491792,1419974090.72157,2885033945.130517,5818864884.6969185,11689699974.698605,23433885460.485348,46923972726.594986,93904898893.705688,187866344185.18591,375727979999.06561]
[null,null,"Trading Asset Securities",null,null,null,{"$f":"G360","v":206766},{"$f":"H360","v":37410},63966,2567832,1441725,1441725,1441725,1441725,1441725,1441725,1441725,1441725,1441725,1441725,1441725,1441725,1441725,1441725,1441725,1441725,1441725,1441725,1441725]
[null,null,"  Total Investments",null,null,null,{"$f":"SUM(G508:G510)","v":123260772},{"$f":"SUM(H508:H510)","v":150211895},159234495,163504636,161384468,126072563.73700181,121314867.96967021,111925761.43386728,118818785.43171033,156108075.47597036,217120127.89336815,327395944.42157984,533274152.5253734,927046935.09186029,1692916088.9905539,3198700984.3898482,6179365721.095149,12104059677.80657,23910182860.309509,47471498477.642769,94534337248.660645,188589982034.63409,376559947267.18103]
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[null,null,"Gross Loans",null,null,null,{"$f":"G324","v":114242564},{"$f":"H324","v":125847866},157577264,206789521,262881165,364448467.59249997,443769604.65674996,538686992.31944358,652094780.17616856,749908997.2025938,862395346.78298283,991754648.80043018,1140517846.1204946,1311595523.0385687,1508334851.494354,1734585079.2185071,1994772841.1012831,2293988767.2664752,2638087082.3564463,3033800144.7099128,3488870166.4163995,4012200691.378859,4614030795.0856876]
[null,null,"  Net Loans",null,null,null,{"$f":"G336","v":111447679},{"$f":"H336","v":121502782},153410401,202626049,258351630,359291602.95990747,437804521.95190823,531739453.01762563,643956459.10185492,740368672.35090137,851242717.58730483,978747869.60916877,1125378794.4343121,1294004357.9832273,1487923756.0644796,1710931063.8579197,1967389467.8203759,2262316632.3772001,2601482871.6175485,2991524046.7439485,3440071398.1393089,3955900852.2439733,4549104724.4643373]
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[null,null,"Gross Property, Plant & Equipment",null,null,null,{"$f":"G384","v":5162253},{"$f":"H384","v":5913511},6825205,7818396,10620365,13995412.600000001,17823257.554500002,22173423.26024,27125813.509664048,32772270.993690062,39218369.536592685,46585475.124115229,55013116.045055144,64661708.514566369,75715691.102621689,88387129.2895592,102919860.668891,119594261.89554562,138732730.64240882,160705989.81742555,185940337.38133511,214925983.60709226,248226638.89815626]
[null,null,"Accumulated Depreciation",null,null,null,{"$f":"G388","v":2517468},{"$f":"H388","v":2942242},3418248,3673737,4213740,5002839.0420000004,6014816.8209525011,7279969.7309808014,8833232.6878192835,10714872.085180297,12971282.779232319,15655904.702866394,18830277.051755603,22565250.675586917,26942382.402923387,32055538.587492876,38012739.256936356,44938278.952269278,52975165.759610862,62287926.261031143,73065831.2904526,85526605.613491774,99920694.1180152]
[null,null,"  Net Property, Plant & Equipment",null,null,null,{"$f":"G516-G517","v":2644785},{"$f":"H516-H517","v":2971269},3406957,4144659,6406625,8992573.5580000021,11808440.733547501,14893453.529259197,18292580.821844764,22057398.908509765,26247086.757360365,30929570.421248835,36182838.993299544,42096457.838979453,48773308.699698299,56331590.702066325,64907121.411954641,74655982.943276346,85757564.882797956,98418063.556394398,112874506.09088251,129399377.99360049,148305944.78014106]
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[null,null,"Current Assets",null,null,null,{"$f":"G394","v":0},{"$f":"H394","v":0},0,1273598,1946793.0000000002,1947778.5879391537,2263057.0856243391,2718210.7159286146,3261813.1174643114,3899979.4473704109,4554303.0433662804,5377577.3293677913,6472607.6270339396,8027135.6606254419,10403635.647617729,14312553.995680397,21158004.681855742,33728915.403535411,57580941.336211406,103799857.45119643,194527842.66150519,374015472.53820062,730725042.81835186]
[null,null,"Deferred Tax Assets, LT",null,null,null,{"$f":"G407","v":770686},{"$f":"H407","v":1046739},951767,798382,919802,919802,919802,919802,919802,919802,919802,919802,919802,919802,919802,919802,919802,919802,919802,919802,919802,919802,919802]
[null,null,"Other Long-Term Assets",null,null,null,{"$f":"G408","v":7445934},{"$f":"H408","v":6659639},7415449,9561029,13984879,13984879,13984879,13984879,13984879,13984879,13984879,13984879,13984879,13984879,13984879,13984879,13984879,13984879,13984879,13984879,13984879,13984879,13984879]
[null,null,"Total Assets",null,null,null,{"$f":"SUM(G520:G522)+G518+G514+G511","v":245569856},{"$f":"SUM(H520:H522)+H518+H514+H511","v":282392324},324419069,381908353,442994197,511209199.84284842,588095568.74075031,676181559.69668078,799234319.4728744,937338807.18275189,1114068916.2813997,1357355642.7813654,1716213074.580019,2286079567.5746927,3254921470.4023495,4995180873.9455147,8247724996.0093355,14489665889.530582,26669908919.146069,50680145126.39431,98296715676.552338,193064202418.40988,382002987660.24384]
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[null,"Liabilities and Capital"]
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[null,null,"Interest Bearing Deposits",null,null,null,{"$f":"G315","v":213577063},{"$f":"H315","v":247628653},280983885,327043182,372837307,428762903.04999995,493077338.50749993,567038939.28362489,652094780.17616856,749908997.2025938,862395346.78298283,991754648.80043018,1140517846.1204946,1311595523.0385687,1508334851.494354,1734585079.2185071,1994772841.1012831,2293988767.2664752,2638087082.3564463,3033800144.7099128,3488870166.4163995,4012200691.378859,4614030795.0856876]
[null,null,null,"Total",null,null,{"$f":"SUM(G526:G527)","v":218470215},{"$f":"SUM(H526:H527)","v":250927905},285198678,334939458,384514263,444821627.10695755,513801837.75520712,592247082.63283277,682662873.89127505,785901450.6203655,903777242.92137623,1039334404.0675385,1195225139.3856251,1374499485.0014248,1580664982.4595945,1817755304.5364895,2090409174.9249187,2403961125.8716121,2764545869.4603095,3179218324.5873117,3656091647.9833641,4204495969.8888245,4724595867.5828953]
[]
[null,null,"Fixed Debt",null,null,null,{"$f":"G355","v":1114353},{"$f":"H355","v":1141921},1580653,1974599,2698369,1403151.8800000001,1133314.98,863478.08,593641.17999999993,323804.27999999991,53967.379999999888,-1.1641532182693481E-10,-1.1641532182693481E-10,-1.1641532182693481E-10,-1.1641532182693481E-10,-1.1641532182693481E-10,-1.1641532182693481E-10,-1.1641532182693481E-10,-1.1641532182693481E-10,-1.1641532182693481E-10,-1.1641532182693481E-10,-1.1641532182693481E-10,-1.1641532182693481E-10]
[null,null,"Pension & Other Post-Retire. Benefits",null,null,null,{"$f":"G410","v":792603},{"$f":"H410","v":1021633},2047252,2251449,2854612,2854612,2854612,2854612,2854612,2854612,2854612,2854612,2854612,2854612,2854612,2854612,2854612,2854612,2854612,2854612,2854612,2854612,2854612]
[null,null,"Other Non-Current Liabilities",null,null,null,{"$f":"G411","v":1913375},{"$f":"H411","v":1444172},1484642,715507,1029011,1029011,1029011,1029011,1029011,1029011,1029011,1029011,1029011,1029011,1029011,1029011,1029011,1029011,1029011,1029011,1029011,1029011,1029011]
[null,null,null,"Total Liabilites",null,null,{"$f":"G530+G531+G532+G528","v":222290546},{"$f":"H530+H531+H532+H528","v":254535631},290311225,339881013,391096255,450108401.98695755,518818775.73520714,596994183.71283281,687140138.071275,790108877.90036547,907714833.30137622,1043218027.0675385,1199108762.3856251,1378383108.0014248,1584548605.4595945,1821638927.5364895,2094292797.9249187,2407844748.8716121,2768429492.4603095,3183101947.5873117,3659975270.9833641,4208379592.8888245,4728479490.5828953]
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[null,null,"Common Equity",null,null,null,{"$f":"G499","v":23279310},{"$f":"H499","v":27856693},34107844,42002916,51826775,61028535.992565155,69203391.733033717,79112629.8701967,89977633.110228196,103071236.7103157,118112677.30645885,137732585.92916539,164374089.89942726,202318201.28758821,259701223.1128245,352286618.27419865,511013031.39731491,797078354.31802416,1332094062.5764489,2358378017.6526947,4359521812.6322489,8301504458.1121874,16165991776.778757]
[null,null,"Minority Interest",null,null,null,{"$f":"G505","v":0},{"$f":"H505","v":0},0,24424,71167,72261.863325723432,73401.272509397662,74746.11365125842,76337.261671761633,78270.512672031269,80561.554767059119,83341.547066122672,86845.819776276912,91505.335298331411,98135.929167942639,108316.33330181979,125143.08405244736,154739.13484543562,209269.69710612739,312972.32989681978,514215.28791373456,909612.11126905039,1698882.2870039283]
[null,null,"Total Equity",null,null,null,{"$f":"SUM(G535:G536)","v":23279310},{"$f":"SUM(H535:H536)","v":27856693},34107844,{"$f":"SUM(J535:J536)","v":42027340},51897942,61100797.855890878,{"$f":"SUM(M535:M536)","v":69276793.005543113},79187375.983847961,90053970.371899962,103149507.22298774,118193238.8612259,137815927.47623152,164460935.71920353,202409706.62288654,259799359.04199246,352394934.60750049,511138174.48136735,797233093.45286965,1332303332.273555,2358690989.9825916,4360036027.9201622,8302414070.2234564,16167690659.065762]
[null,null,"Total Liabilities And Equity",null,null,null,{"$f":"G537+G533","v":245569856},282392324,324419069,381908353,442994197,511209199.84284842,588095568.74075031,676181559.69668078,777194108.44317496,893258385.12335324,1025908072.1626022,1181033954.5437701,1363569698.1048286,1580792814.6243114,1844347964.5015869,2174033862.14399,2605430972.4062862,3205077842.324482,4100732824.7338648,5541792937.5699034,8020011298.9035263,12510793663.112282,20896170149.648659]
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[null,null,"Difference",null,null,null,{"$f":"G523-G538","v":0},0,0,0,0,0,0,0,22040211.029699445,44080422.059398651,88160844.118797541,176321688.23759532,352643376.4751904,705286752.95038128,1410573505.9007626,2821147011.8015246,5642294023.6030493,11284588047.2061,22569176094.412205,45138352188.824409,90276704377.648804,180553408755.29761,361106817510.59515]
[null,null,"Test",null,null,{"$f":"AND(G541:AC541)","v":false},{"$f":"G540=0","v":true},{"$f":"H540=0","v":true},true,true,true,true,true,true,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false]
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["Ratios"]
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[null,null,"Target Equity to Assets",null,null,null,{"$f":"G309","v":9.4797099200970333E-2},{"$f":"H309","v":9.8645361904383777E-2},0.10513513926642826,0.11010956861684562,0.1173132951897336,0.12,0.12,0.12,0.12,0.12,0.12,0.12,0.12,0.12,0.12,0.12,0.12,0.12,0.12,0.12,0.12,0.12,0.12]
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[]
[null,null,null,null,null,null,{"$f":"G2","v":2008},{"$f":"H2","v":2009},2010,2011,2012,2013,2014,2015,2016,2017,2018,2019,2020,2021,2022,2023,2024,2025,2026,2027,2028,2029,2030]
[null,null,"Return on Equity",null,null,null,{"$f":"G459/AVERAGE(F537:G537)","v":0.24812329059581234},{"$f":"H459/AVERAGE(G537:H537)","v":0.26624067586979766},0.27368147687442579,0.28413373244096973,0.24945792550295465,0.25835186971395124,0.23302475734330222,0.24153197670973242,0.25068561396053107,0.26680785104332727,0.27598982800448535,0.28954320551367224,0.30911372625678385,0.3386515778065774,0.38250689584591607,0.44340546562022842,0.51957299296622628,0.60315379715591844,0.68277907555542205,0.74915504043387959,0.79865459904307745,0.83260828798778663,0.86003309747199774]
[null,null,"Loan/Deposit Spread",null,null,null,{"$f":"G254-G233","v":0.1016282475004469},{"$f":"H254-H233","v":0.119765087769339},8.7532187726510585E-2,9.2673359817842679E-2,8.2853609069193437E-2,7.6999999999999999E-2,7.6999999999999999E-2,7.8E-2,7.9000000000000001E-2,0.08,0.08,0.08,0.08,0.08,0.08,0.08,0.08,0.08,0.08,0.08,0.08,0.08,0.08]
[]
[null,null,"Shares",null,null,null,{"$f":"G106","v":24427.309406},{"$f":"H106","v":24365.242999999999},24365.242999999999,24365.242999999999,24401.786556999999,24453.798038000001,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,"Share Price",null,null,null,null,null,null,null,{"$f":"'Historical Capitalization'!E17","v":8200.0019229999998},{"$f":"'Historical Capitalization'!G17","v":10750}]
[null,null,"Market Capital",null,null,null,null,null,null,null,{"$f":"K553*K554","v":200094696.69203553},{"$f":"L553*L554","v":262878328.90850002}]
[]
[null,null,"Market to Book",null,null,null,null,null,null,null,{"$f":"K555/K537","v":3.8555420307810189},{"$f":"L555/L537","v":4.3023714604923979}]
[null,null,"P/E Ratio",null,null,null,null,null,null,null,{"$f":"K555/K459","v":17.079917154831673},{"$f":"L555/L459","v":18.009413585713141}]
[]
[]
["Valuation"]
[null,"Year",null,null,null,null,{"$f":"G2","v":2008},{"$f":"H2","v":2009},2010,2011,2012,2013,2014,2015,2016,2017,2018,2019,2020,2021,2022,2023,2024,2025,2026,2027,2028,2029,2030]
[null,"Valuation Period",null,null,null,{"$f":"'General Model Paramaters'!F9","v":2014},{"$f":"G562=$F$563-1","v":false},{"$f":"H562=$F$563-1","v":false},false,false,false,true,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false]
[null,"Explicit Period",null,null,null,{"$f":"'General Model Paramaters'!F10","v":2019},{"$f":"AND(G562>=$F$563,G562<=$F$564)","v":false},{"$f":"AND(H562>=$F$563,H562<=$F$564)","v":false},false,false,false,false,true,true,true,true,true,true,false,false,false,false,false,false,false,false,false,false,false]
[null,"Terminal Period",null,null,null,{"$f":"F564","v":2019},{"$f":"G562=$F$565","v":false},{"$f":"H562=$F$565","v":false},false,false,false,false,false,false,false,false,false,true,false,false,false,false,false,false,false,false,false,false,false]
[]
[null,"Equity Cash Flow"]
[null,null,"Dividends",null,null,null,{"$f":"G480","v":1549622.9999999998},{"$f":"H480","v":3411135.0000000005},2741090,2765068.782866817,2768643.4900262486,3649544.4190781312,3798030.6122474736,4482803.8062025439,5303826.7350106966,6444170.0008987915,7636806.9834261667,9266640.9968784787,11680909.033847511,15531718.406848352,22101979.565370791,33934680.446257159,56089169.168758608,98653502.643294156,181768540.86897266,345675442.63564146,670809860.05638254,1317989411.184386,2630900585.782927]
[null,null,"Less: Inrease in Equity",null,null,null,{"$f":"G497","v":0},{"$f":"H497","v":1181276.0000000005},512968,-156146.21713318303,877299.49002624489,-1745412.4469016055,-3217716.8840289684,-3537380.1599221732,-5044355.4343065955,-6236328.7346085077,-7865925.6313419864,-8176307.7115301536,-8396550.7676671203,-8644831.1450213864,-8914076.0790499672,-9205072.3052187935,-9518658.7154919617,-9855723.6081159394,-10217206.932145724,-10604102.653623976,-11017461.245571611,-11458392.30874561,-27162078.44789714]
[null,null,"Total Explicit Cash Flow",null,null,null,{"$f":"G568-G569","v":1549622.9999999998},{"$f":"H568-H569","v":2229859},2228122,2921215,1891344.0000000037,5394956.8659797367,7015747.496276442,8020183.9661247171,10348182.169317292,12680498.735507298,15502732.614768153,17442948.708408631,20077459.801514633,24176549.551869739,31016055.644420758,43139752.751475953,65607827.884250566,108509226.2514101,191985747.80111837,356279545.28926545,681827321.30195415,1329447803.4931316,2658062664.230824]
[]
[null,null,"Period for Value",null,null,null,{"$f":"F572+G564","v":0},{"$f":"G572+H564","v":0},0,0,0,0,1,2,3,4,5,6,6,6,6,6,6,6,6,6,6,6,6]
[null,null,"Discount Rate",null,null,{"$f":"'General Model Paramaters'!F12","v":0.1},{"$f":"$F$573*G564","v":0},{"$f":"$F$573*H564","v":0},0,0,0,0,0.1,0.1,0.1,0.1,0.1,0.1,0,0,0,0,0,0,0,0,0,0,0]
[null,null,"Weighted Discount Rate",null,null,null,null,{"$f":"G573*0.5+H573*0.5","v":0},{"$f":"H573*0.5+I573*0.5","v":0},0,0,0,0.05,0.1,0.1,0.1,0.1,0.1,0.05,0,0,0,0,0,0,0,0,0,0]
[null,null,"Discout Factor",null,null,1,{"$f":"F575*(1+G574)","v":1},{"$f":"G575*(1+H574)","v":1},1,1,1,1,1.05,1.1550000000000002,1.2705000000000004,1.3975500000000005,1.5373050000000006,1.6910355000000008,1.775587275000001,1.775587275000001,1.775587275000001,1.775587275000001,1.775587275000001,1.775587275000001,1.775587275000001,1.775587275000001,1.775587275000001,1.775587275000001,1.775587275000001]
[]
[null,null,"Value of Explict Cash Flow",null,null,null,{"$f":"SUMPRODUCT(G570:AC570/G575:AC575*G564:AC564)","v":51243200.611110821}]
[]
[null,null,"Nomralised Stable Values in Terminal Year"]
[null,null,null,"Nomalised Values in Terminal Value"]
[null,null,null,"Earnings",null,null,{"$f":"G457","v":5776139},{"$f":"H457","v":6807242},8479273,10817798,11718460.000000004,14598177.676312525,15192122.448989894,17931215.224810176,21215306.940042786,25776680.003595166,30547227.933704667,37066563.987513915,46723636.135390043,62126873.62739341,88407918.261483163,135738721.78502864,224356676.67503443,394614010.57317662,727074163.47589064,1382701770.5425658,2683239440.2255301,5271957644.7375441,10523602343.131708]
[null,null,null,"Equity",null,null,{"$f":"AVERAGE(F537:G537)","v":23279310},{"$f":"AVERAGE(G537:H537)","v":25568001.5},30982268.5,38067592,46962641,56499369.927945435,65188795.430716991,74232084.494695544,84620673.177873969,96601738.797443852,110671373.04210682,128004583.16872871,151138431.59771752,183435321.17104504,231104532.83243948,306097146.82474649,431766554.54443395,654185633.9671185,1064768212.8632123,1845497161.1280732,3359363508.9513769,6331225049.0718098,12235052364.644609]
[null,null,null,"ROE",null,null,{"$f":"G550","v":0.24812329059581234},{"$f":"H550","v":0.26624067586979766},0.27368147687442579,0.28413373244096973,0.24945792550295465,0.25835186971395124,0.23302475734330222,0.24153197670973242,0.25068561396053107,0.26680785104332727,0.27598982800448535,0.28954320551367224,0.30911372625678385,0.3386515778065774,0.38250689584591607,0.44340546562022842,0.51957299296622628,0.60315379715591844,0.68277907555542205,0.74915504043387959,0.79865459904307745,0.83260828798778663,0.86003309747199774]
[null,null,null,"Cost of Equity",null,{"$f":"'General Model Paramaters'!F12","v":0.1},{"$f":"$F$573","v":0.1},{"$f":"$F$573","v":0.1},0.1,0.1,0.1,0.1,0.1,0.1,0.1,0.1,0.1,0.1,0.1,0.1,0.1,0.1,0.1,0.1,0.1,0.1,0.1,0.1,0.1]
[null,null,null,"Difference",null,null,{"$f":"G583-G584","v":0.14812329059581233},{"$f":"H583-H584","v":0.16624067586979765},0.17368147687442578,0.18413373244096973,0.14945792550295464,0.15835186971395124,0.13302475734330221,0.14153197670973242,0.15068561396053107,0.16680785104332727,0.17598982800448534,0.18954320551367224,0.20911372625678384,0.23865157780657739,0.28250689584591604,0.34340546562022845,0.4195729929662263,0.50315379715591846,0.58277907555542208,0.64915504043387962,0.69865459904307747,0.73260828798778665,0.76003309747199777]
[null,null,null,"Max ROE",null,{"$f":"'General Model Paramaters'!F14","v":7.0000000000000007E-2},{"$f":"G584+$F$586","v":0.17},{"$f":"H584+$F$586","v":0.17},0.17,0.17,0.17,0.17,0.17,0.17,0.17,0.17,0.17,0.17,0.17,0.17,0.17,0.17,0.17,0.17,0.17,0.17,0.17,0.17,0.17]
[null,null,null,"ROE Applied from Max",null,null,{"$f":"(MIN(G586,G583))","v":0.17},{"$f":"(MIN(H586,H583))","v":0.17},0.17,0.17,0.17,0.17,0.17,0.17,0.17,0.17,0.17,0.17,0.17,0.17,0.17,0.17,0.17,0.17,0.17,0.17,0.17,0.17,0.17]
[null,null,null,"Adjusted",null,null,{"$f":"MAX(G587,G586)","v":0.17},{"$f":"MAX(H587,H586)","v":0.17},0.17,0.17,0.17,0.17,0.17,0.17,0.17,0.17,0.17,0.17,0.17,0.17,0.17,0.17,0.17,0.17,0.17,0.17,0.17,0.17,0.17]
[null,null,null,"Applied ROE",null,{"$f":"'General Model Paramaters'!F15","v":false},{"$f":"$F$589*G588+NOT($F$589)*G583","v":0.24812329059581234},{"$f":"$F$589*H588+NOT($F$589)*H583","v":0.26624067586979766},0.27368147687442579,0.28413373244096973,0.24945792550295465,0.25835186971395124,0.23302475734330222,0.24153197670973242,0.25068561396053107,0.26680785104332727,0.27598982800448535,0.28954320551367224,0.30911372625678385,0.3386515778065774,0.38250689584591607,0.44340546562022842,0.51957299296622628,0.60315379715591844,0.68277907555542205,0.74915504043387959,0.79865459904307745,0.83260828798778663,0.86003309747199774]
[]
[null,null,null,"Normalised Earnings",null,null,{"$f":"G589*G582","v":5776139},{"$f":"H589*H582","v":6807242},8479273,10816287,11715203.000000004,14596717.858544894,15190603.236744996,17929422.103287693,21213185.409348778,25774102.335594807,30544173.2109113,37062857.331115164,46718963.771776505,62120660.940030672,88399077.469657019,135725147.91285014,224334241.00736693,394574549.17211932,727001456.05954301,1382563500.3655117,2682971116.2815075,5271430448.9730701,10522549982.897394]
[]
[null,null,null,"Stable Dividend Payout (1-g/ROE)",null,{"$f":"'General Model Paramaters'!F13","v":5.5E-2},{"$f":"1-$F$593/G589","v":0.77833600437939598},{"$f":"1-$F$593/H589","v":0.79341999557236254},0.79903645424554681,0.80642917851569584,0.77952193786142676,0.7871120496983578,0.76397357676904853,0.7722868799848488,0.78060169017652759,0.79385913950834797,0.80071729310579465,0.81004562029896121,0.82207195822060986,0.83759118928005249,0.85621174259259503,0.8759600314735253,0.89414384360894761,0.908812644039805,0.91944685774786084,0.926583955214202,0.93113418483296884,0.9339425264034763,0.93604897281085075]
[]
[null,null,null,"Stable MB",null,{"$f":"'General Model Paramaters'!F24","v":1.7296887419005924E-2}]
[null,null,null,null,null,{"$f":"'General Model Paramaters'!H24","v":9.7581551601159937},{"$f":"$F$596*G589+$F$595","v":2.4385224558914924},{"$f":"$F$596*H589+$F$595","v":2.6153147124906417},2.6879232032093499,2.7899179348008718,2.4515460303974939,2.5383345179938139,2.2911886257233278,2.3742033922820971,2.463526004854808,2.6208492958369094,2.7104484517005001,2.8427044123787724,3.0336765903543239,3.3219115288736818,3.7498585268977829,4.3441162197846728,5.087370769789298,5.902965225479587,6.6799610467693755,7.3276680109557741,7.8106923842215821,8.1420177492023686,8.4096332953859214]
[]
[null,"Terminal Value"]
[null,null,null,"Discount Factor",null,1,{"$f":"F599*(1+G573)","v":1},{"$f":"G599*(1+H573)","v":1},1,1,1,1,1.1000000000000001,1.2100000000000002,1.3310000000000004,1.4641000000000006,1.6105100000000008,1.7715610000000011,1.7715610000000011,1.7715610000000011,1.7715610000000011,1.7715610000000011,1.7715610000000011,1.7715610000000011,1.7715610000000011,1.7715610000000011,1.7715610000000011,1.7715610000000011,1.7715610000000011]
[null,null,null,"Normaised Earnings Adjusted for Growth",null,null,{"$f":"G591*(1+$F$593*1.5)","v":6252670.4675000003},{"$f":"H591*(1+$F$593*1.5)","v":7368839.4649999999},9178813.0225000009,11708630.6775,12681707.247500004,15800947.081874847,16443828.003776459,19408599.426808927,22963273.205620054,27900465.778281379,33064067.500811484,40120543.060932167,50573278.282948069,67245615.467583209,95692001.360903725,146922472.61566028,242841815.89047471,427126949.47881919,786979076.18445528,1496624989.1456664,2904316233.374732,5706323461.0133486,11390660356.486429]
[]
[]
[]
[null,null,"Terminal Value - Dividend Growth"]
[null,null,null,"Eanings",null,null,{"$f":"G600*G565","v":0},{"$f":"H600*H565","v":0},0,0,0,0,0,0,0,0,0,40120543.060932167,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Dividend Payout",null,null,{"$f":"G593","v":0.77833600437939598},{"$f":"H593","v":0.79341999557236254},0.79903645424554681,0.80642917851569584,0.77952193786142676,0.7871120496983578,0.76397357676904853,0.7722868799848488,0.78060169017652759,0.79385913950834797,0.80071729310579465,0.81004562029896121,0.82207195822060986,0.83759118928005249,0.85621174259259503,0.8759600314735253,0.89414384360894761,0.908812644039805,0.91944685774786084,0.926583955214202,0.93113418483296884,0.9339425264034763,0.93604897281085075]
[null,null,null,"Normalsed Dividends",null,{"$f":"F584","v":0.1},{"$f":"G605*G606","v":0},{"$f":"H605*H606","v":0},0,0,0,0,0,0,0,0,0,32499470.190523982,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Value of Dividends",null,{"$f":"F593","v":5.5E-2},{"$f":"G607/($F$607-$F$608)","v":0},{"$f":"H607/($F$607-$F$608)","v":0},0,0,0,0,0,0,0,0,0,722210448.67831063,0,0,0,0,0,0,0,0,0,0,0]
[]
[null,null,null,"PV of Terminal Value",null,null,{"$f":"SUMPRODUCT(G608:AC608/G599:AC599)","v":407668970.29134768}]
[null,null,null,"Total Value",null,null,{"$f":"G610+G577","v":458912170.90245849}]
[null,null,null,"Shares",null,null,{"$f":"SUMIF(563:563,TRUE,553:553)","v":24453.798038000001}]
[null,null,null,"Value per Share",null,null,{"$f":"G611/G612","v":18766.498774109918}]
[]
[null,null,"Terminal Value - Market to book"]
[null,null,null,"Stable M/B Ratio",null,null,{"$f":"G596*G565","v":0},{"$f":"H596*H565","v":0},0,0,0,0,0,0,0,0,0,2.8427044123787724,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Equity Balance",null,null,{"$f":"G537","v":23279310},{"$f":"H537","v":27856693},34107844,42027340,51897942,61100797.855890878,69276793.005543113,79187375.983847961,90053970.371899962,103149507.22298774,118193238.8612259,137815927.47623152,164460935.71920353,202409706.62288654,259799359.04199246,352394934.60750049,511138174.48136735,797233093.45286965,1332303332.273555,2358690989.9825916,4360036027.9201622,8302414070.2234564,16167690659.065762]
[null,null,null,"Market Value of Equity",null,null,{"$f":"G616*G617","v":0},{"$f":"H616*H617","v":0},0,0,0,0,0,0,0,0,0,391769945.13275623,0,0,0,0,0,0,0,0,0,0,0]
[]
[null,null,null,"PV of Terminal",null,null,{"$f":"SUMPRODUCT(G618:AC618/G599:AC599)","v":221143920.60603952}]
[null,null,null,"Explicit Cash Flow Value",null,null,{"$f":"G577","v":51243200.611110821}]
[null,null,null,"Total Value",null,null,{"$f":"SUM(G620:G621)","v":272387121.21715033}]
[null,null,null,"Shares",null,null,{"$f":"G612","v":24453.798038000001}]
[null,null,null,"Value per Share",null,null,{"$f":"G622/G623","v":11138.847257750069}]
[]
[null,null,"Terminal Value - PE Ratio"]
[null,null,null,"Stable P/E Ratio",null,{"$f":"'General Model Paramaters'!F16","v":15.032679738562091},{"$f":"$F$627*G565","v":0},{"$f":"$F$627*H565","v":0},0,0,0,0,0,0,0,0,0,15.032679738562091,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Value",null,null,{"$f":"G627*G605","v":0},{"$f":"H627*H605","v":0},0,0,0,0,0,0,0,0,0,603119274.77218294,0,0,0,0,0,0,0,0,0,0,0]
[]
[null,null,null,"PV of Terminal Value",null,null,{"$f":"SUMPRODUCT(G628:AC628/G599:AC599)","v":340445107.32183796}]
[null,null,null,"Explicit Cash Flow Value",null,null,{"$f":"G577","v":51243200.611110821}]
[null,null,null,"Total Value",null,null,{"$f":"G630+G631","v":391688307.93294877}]
[null,null,null,"Shares",null,null,{"$f":"G623","v":24453.798038000001}]
[null,null,null,"Value per Share",null,null,{"$f":"G632/G633","v":16017.483555081481}]
[]
["Tests"]
[null,"Net Margin in Model",null,null,null,null,{"$f":"G443","v":11675823},{"$f":"H443","v":14050687},12936828,18053836,21238123.000000004,27120079.821415745,33614464.734907575,40888877.502635531,49629234.451893032,59889085.144575857,70208623.549495086,83363404.544356972,101187127.57507378,127052467.0835878,167502930.21587086,235401751.23656985,356216206.06316054,580582691.5242492,1009431033.4907628,1844226377.5233011,3487445235.4893742,6743518683.6929111,13220708529.526096]
[null,"Historic Net Margin",null,null,null,null,{"$f":"G66","v":11675823},{"$f":"H66","v":14050687},12936828,18053836,21238123,22464132,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,"Difference",null,null,null,null,{"$f":"G637-G638","v":0},{"$f":"H637-H638","v":0},0,0,0,4655947.8214157447,33614464.734907575,40888877.502635531,49629234.451893032,59889085.144575857,70208623.549495086,83363404.544356972,101187127.57507378,127052467.0835878,167502930.21587086,235401751.23656985,356216206.06316054,580582691.5242492,1009431033.4907628,1844226377.5233011,3487445235.4893742,6743518683.6929111,13220708529.526096]
[null,"Test",null,null,null,{"$f":"AND(G640:AC640)","v":true},{"$f":"IF(G$3,G639=0,TRUE)","v":true},{"$f":"IF(H$3,H639=0,TRUE)","v":true},true,true,true,true,true,true,true,true,true,true,true,true,true,true,true,true,true,true,true,true,true]
[]
[null,"Total Revenue in Model",null,null,null,null,{"$f":"G448","v":14521005},{"$f":"H448","v":17380044},20211353,23811482,27545764.000000004,35414156.144348249,41146492.465897076,49422013.016883902,59305693.044805661,70908717.224916562,82805509.879386917,97774133.26123257,117683775.03698072,145947921.10228077,189157011.7748678,260228254.46691632,384690994.21555895,613253007.3370074,1046926206.1129347,1887270135.4762988,3536869866.5728216,6800281318.8763752,13285909869.42458]
[null,"Historic Revenue",null,null,null,null,{"$f":"G77","v":14521005},{"$f":"H77","v":17380044},20211353,23811482,27545764,28604966,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,"Difference",null,null,null,null,{"$f":"G642-G643","v":0},{"$f":"H642-H643","v":0},0,0,0,6809190.1443482488,41146492.465897076,49422013.016883902,59305693.044805661,70908717.224916562,82805509.879386917,97774133.26123257,117683775.03698072,145947921.10228077,189157011.7748678,260228254.46691632,384690994.21555895,613253007.3370074,1046926206.1129347,1887270135.4762988,3536869866.5728216,6800281318.8763752,13285909869.42458]
[null,"Test",null,null,null,{"$f":"AND(G645:AC645)","v":true},{"$f":"IF(G$3,G644=0,TRUE)","v":true},{"$f":"IF(H$3,H644=0,TRUE)","v":true},{"$f":"IF(I$3,I644=0,TRUE)","v":true},{"$f":"IF(J$3,J644=0,TRUE)","v":true},{"$f":"IF(K$3,K644=0,TRUE)","v":true},{"$f":"IF(L$3,L644=0,TRUE)","v":true},{"$f":"IF(M$3,M644=0,TRUE)","v":true},{"$f":"IF(N$3,N644=0,TRUE)","v":true},{"$f":"IF(O$3,O644=0,TRUE)","v":true},{"$f":"IF(P$3,P644=0,TRUE)","v":true},{"$f":"IF(Q$3,Q644=0,TRUE)","v":true},{"$f":"IF(R$3,R644=0,TRUE)","v":true},{"$f":"IF(S$3,S644=0,TRUE)","v":true},{"$f":"IF(T$3,T644=0,TRUE)","v":true},{"$f":"IF(U$3,U644=0,TRUE)","v":true},{"$f":"IF(V$3,V644=0,TRUE)","v":true},{"$f":"IF(W$3,W644=0,TRUE)","v":true},{"$f":"IF(X$3,X644=0,TRUE)","v":true},{"$f":"IF(Y$3,Y644=0,TRUE)","v":true},{"$f":"IF(Z$3,Z644=0,TRUE)","v":true},{"$f":"IF(AA$3,AA644=0,TRUE)","v":true},{"$f":"IF(AB$3,AB644=0,TRUE)","v":true},{"$f":"IF(AC$3,AC644=0,TRUE)","v":true}]
[]
[null,"Earnings Before tax in Model",null,null,null,null,{"$f":"G455","v":7720043},{"$f":"H455","v":8945092},10653269,13618758,14686046.000000004,18247722.095390655,18990153.061237369,22414019.031012721,26519133.675053485,32220850.004493959,38184034.917130835,46333204.984392397,58404545.169237554,77658592.034241766,110509897.82685396,169673402.23128581,280445845.84379303,493267513.21647078,908842704.3448633,1728377213.1782074,3354049300.2819128,6589947055.9219303,13154502928.914635]
[null,"Historic EBT",null,null,null,null,{"$f":"G89","v":7720043},{"$f":"H89","v":8945092},10653269,13618758,14686046,15414706,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,"Difference",null,null,null,null,{"$f":"G647-G648","v":0},{"$f":"H647-H648","v":0},0,0,0,2833016.0953906551,18990153.061237369,22414019.031012721,26519133.675053485,32220850.004493959,38184034.917130835,46333204.984392397,58404545.169237554,77658592.034241766,110509897.82685396,169673402.23128581,280445845.84379303,493267513.21647078,908842704.3448633,1728377213.1782074,3354049300.2819128,6589947055.9219303,13154502928.914635]
[null,"Test",null,null,null,{"$f":"AND(G650:AC650)","v":true},{"$f":"IF(G$3,G649=0,TRUE)","v":true},{"$f":"IF(H$3,H649=0,TRUE)","v":true},{"$f":"IF(I$3,I649=0,TRUE)","v":true},{"$f":"IF(J$3,J649=0,TRUE)","v":true},{"$f":"IF(K$3,K649=0,TRUE)","v":true},{"$f":"IF(L$3,L649=0,TRUE)","v":true},{"$f":"IF(M$3,M649=0,TRUE)","v":true},{"$f":"IF(N$3,N649=0,TRUE)","v":true},{"$f":"IF(O$3,O649=0,TRUE)","v":true},{"$f":"IF(P$3,P649=0,TRUE)","v":true},{"$f":"IF(Q$3,Q649=0,TRUE)","v":true},{"$f":"IF(R$3,R649=0,TRUE)","v":true},{"$f":"IF(S$3,S649=0,TRUE)","v":true},{"$f":"IF(T$3,T649=0,TRUE)","v":true},{"$f":"IF(U$3,U649=0,TRUE)","v":true},{"$f":"IF(V$3,V649=0,TRUE)","v":true},{"$f":"IF(W$3,W649=0,TRUE)","v":true},{"$f":"IF(X$3,X649=0,TRUE)","v":true},{"$f":"IF(Y$3,Y649=0,TRUE)","v":true},{"$f":"IF(Z$3,Z649=0,TRUE)","v":true},{"$f":"IF(AA$3,AA649=0,TRUE)","v":true},{"$f":"IF(AB$3,AB649=0,TRUE)","v":true},{"$f":"IF(AC$3,AC649=0,TRUE)","v":true}]
[]
[null,"Net Income in Model",null,null,null,null,{"$f":"G96","v":5776139},{"$f":"H457","v":6807242},8479273,10817798,11718460.000000004,14598177.676312525,15192122.448989894,17931215.224810176,21215306.940042786,25776680.003595166,30547227.933704667,37066563.987513915,46723636.135390043,62126873.62739341,88407918.261483163,135738721.78502864,224356676.67503443,394614010.57317662,727074163.47589064,1382701770.5425658,2683239440.2255301,5271957644.7375441,10523602343.131708]
[null,"Historic Net Income",null,null,null,null,{"$f":"G96","v":5776139},{"$f":"H96","v":6807242},8479273,10817798,11718460,12308435,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,"Difference",null,null,null,null,{"$f":"G652-G653","v":0},{"$f":"H652-H653","v":0},{"$f":"I652-I653","v":0},{"$f":"J652-J653","v":0},{"$f":"K652-K653","v":0},{"$f":"L652-L653","v":2289742.6763125248},{"$f":"M652-M653","v":15192122.448989894},{"$f":"N652-N653","v":17931215.224810176},{"$f":"O652-O653","v":21215306.940042786},{"$f":"P652-P653","v":25776680.003595166},{"$f":"Q652-Q653","v":30547227.933704667},{"$f":"R652-R653","v":37066563.987513915},{"$f":"S652-S653","v":46723636.135390043},{"$f":"T652-T653","v":62126873.62739341},{"$f":"U652-U653","v":88407918.261483163},{"$f":"V652-V653","v":135738721.78502864},{"$f":"W652-W653","v":224356676.67503443},{"$f":"X652-X653","v":394614010.57317662},{"$f":"Y652-Y653","v":727074163.47589064},{"$f":"Z652-Z653","v":1382701770.5425658},{"$f":"AA652-AA653","v":2683239440.2255301},{"$f":"AB652-AB653","v":5271957644.7375441},{"$f":"AC652-AC653","v":10523602343.131708}]
[null,"Test",null,null,null,{"$f":"AND(G655:AC655)","v":true},{"$f":"IF(G$3,G654=0,TRUE)","v":true},{"$f":"IF(H$3,H654=0,TRUE)","v":true},{"$f":"IF(I$3,I654=0,TRUE)","v":true},{"$f":"IF(J$3,J654=0,TRUE)","v":true},{"$f":"IF(K$3,K654=0,TRUE)","v":true},{"$f":"IF(L$3,L654=0,TRUE)","v":true},{"$f":"IF(M$3,M654=0,TRUE)","v":true},{"$f":"IF(N$3,N654=0,TRUE)","v":true},{"$f":"IF(O$3,O654=0,TRUE)","v":true},{"$f":"IF(P$3,P654=0,TRUE)","v":true},{"$f":"IF(Q$3,Q654=0,TRUE)","v":true},{"$f":"IF(R$3,R654=0,TRUE)","v":true},{"$f":"IF(S$3,S654=0,TRUE)","v":true},{"$f":"IF(T$3,T654=0,TRUE)","v":true},{"$f":"IF(U$3,U654=0,TRUE)","v":true},{"$f":"IF(V$3,V654=0,TRUE)","v":true},{"$f":"IF(W$3,W654=0,TRUE)","v":true},{"$f":"IF(X$3,X654=0,TRUE)","v":true},{"$f":"IF(Y$3,Y654=0,TRUE)","v":true},{"$f":"IF(Z$3,Z654=0,TRUE)","v":true},{"$f":"IF(AA$3,AA654=0,TRUE)","v":true},{"$f":"IF(AB$3,AB654=0,TRUE)","v":true},{"$f":"IF(AC$3,AC654=0,TRUE)","v":true}]
[]
[]
[null,"Total Assets in Model",null,null,null,null,{"$f":"G523","v":245569856},{"$f":"H523","v":282392324},324419069,381908353,442994197,511209199.84284842,588095568.74075031,676181559.69668078,799234319.4728744,937338807.18275189,1114068916.2813997,1357355642.7813654,1716213074.580019,2286079567.5746927,3254921470.4023495,4995180873.9455147,8247724996.0093355,14489665889.530582,26669908919.146069,50680145126.39431,98296715676.552338,193064202418.40988,382002987660.24384]
[null,"Historic Long-term Assets",null,null,null,null,{"$f":"G28","v":245569856},{"$f":"H28","v":282392324},324419069,381908353,442994197,447444999,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,"Difference",null,null,null,null,{"$f":"G658-G659","v":0},{"$f":"H658-H659","v":0},0,0,0,63764200.84284842,588095568.74075031,676181559.69668078,799234319.4728744,937338807.18275189,1114068916.2813997,1357355642.7813654,1716213074.580019,2286079567.5746927,3254921470.4023495,4995180873.9455147,8247724996.0093355,14489665889.530582,26669908919.146069,50680145126.39431,98296715676.552338,193064202418.40988,382002987660.24384]
[null,"Test",null,null,null,{"$f":"AND(G661:AC661)","v":true},{"$f":"IF(G$3,G660=0,TRUE)","v":true},{"$f":"IF(H$3,H660=0,TRUE)","v":true},true,true,true,true,true,true,true,true,true,true,true,true,true,true,true,true,true,true,true,true,true]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
["Assumption Graph"]
[null,null,null,{"$f":"D126","v":"Deposit Growth"},null,null,null,{"$f":"H126","v":0.15943467674709999},0.13469859645038729,0.16392148966123088,0.14002470474984552,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15]
[null,null,null,{"$f":"D133","v":"Cash to Deposits Applied"},null,null,{"$f":"G133","v":0.13286508673452449},0.37146530454212018,0.30890015632035267,0.15036561440990381,0.20624170531303618,0.18,0.18,0.18,0.18,0.18,0.18,0.18,0.18,0.18,0.18,0.18,0.18,0.18,0.18,0.18,0.18,0.18,0.18]
[null,null,null,{"$f":"D151","v":"Loan to Deposit"},null,null,{"$f":"G151","v":0.53490090366117637},0.50821205250427948,0.56080534298257001,0.63230035781635707,0.70508278024870508,0.85,0.9,0.95,1,1,1,1,1,1,1,1,1,1,1,1,1,1,1]
[null,null,null,"Loan Loss Provision Percent",null,null,{"$f":"G166","v":1.5354601109968086E-2},{"$f":"H166","v":1.2841827972901709E-4},4.6383395854841802E-3,3.0694839541974168E-3,2.1234878601727337E-3,2E-3,2E-3,2E-3,2E-3,2E-3,2E-3,2E-3,2E-3,2E-3,2E-3,2E-3,2E-3,2E-3,2E-3,2E-3,2E-3,2E-3,2E-3]
["`",null,null,{"$f":"D177","v":"Depreciation Rate Applied"},null,null,{"$f":"G177","v":7.1441674788120607E-2},9.6615637530738291E-2,9.7056092623463777E-2,0.10145550947475283,9.3777125263459951E-2,0.09,0.09,0.09,0.09,0.09,0.09,0.09,0.09,0.09,0.09,0.09,0.09,0.09,0.09,0.09,0.09,0.09,0.09]
[null,null,null,{"$f":"D181","v":"Retirement Rate Applied"},null,null,{"$f":"G181","v":0},1.9912305823778838E-2,2.2322343947380568E-2,6.6561223567891528E-2,3.5204534621388062E-2,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03]
[null,null,null,{"$f":"D191","v":"Capital Expenditure Growth - Applied"},null,null,{"$f":"G191","v":0},-8.2761679916802611E-2,0.20239291475415833,0.543929647495627,0.85938795311291516,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15,0.15]
[null,null,null,{"$f":"D196","v":"Receivables as Percent of Revenues"},null,null,{"$f":"G198","v":0},{"$f":"H198","v":0},0,5.348671703844389E-2,7.0674859481116584E-2,5.5E-2,5.5E-2,5.5E-2,5.5E-2,5.5E-2,5.5E-2,5.5E-2,5.5E-2,5.5E-2,5.5E-2,5.5E-2,5.5E-2,5.5E-2,5.5E-2,5.5E-2,5.5E-2,5.5E-2,5.5E-2]
[null,null,null,{"$f":"D198","v":"Receivable Percent Applied"},null,null,{"$f":"G198","v":0},0,0,5.348671703844389E-2,7.0674859481116584E-2,5.5E-2,5.5E-2,5.5E-2,5.5E-2,5.5E-2,5.5E-2,5.5E-2,5.5E-2,5.5E-2,5.5E-2,5.5E-2,5.5E-2,5.5E-2,5.5E-2,5.5E-2,5.5E-2,5.5E-2,5.5E-2]
[null,null,null,{"$f":"D205","v":"Payable Percent Applied"},null,null,{"$f":"G205","v":0.76073208355137822},0.41763180473286643,0.47145868202761576,0.83559475367271585,0.97347303089390036,1,1,1,1,1,1,1,1,1,1,1,1,1,1,1,1,1,1]
[null,null,null,{"$f":"D233","v":"Deposit Interest Rate Applied"},null,null,{"$f":"G233","v":3.2287038613317762E-2},3.4630362300193174E-2,2.9016801413817392E-2,2.5193128318414155E-2,2.1585707156354231E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2]
[null,null,null,{"$f":"D254","v":"Interest Income Rate Applied"},null,null,{"$f":"G254","v":0.13391528611376466},0.15439545006953218,0.11654898914032798,0.11786648813625683,0.10443931622554767,9.1999999999999998E-2,9.1999999999999998E-2,9.2999999999999999E-2,9.4E-2,9.5000000000000001E-2,9.5000000000000001E-2,9.5000000000000001E-2,9.5000000000000001E-2,9.5000000000000001E-2,9.5000000000000001E-2,9.5000000000000001E-2,9.5000000000000001E-2,9.5000000000000001E-2,9.5000000000000001E-2,9.5000000000000001E-2,9.5000000000000001E-2,9.5000000000000001E-2,9.5000000000000001E-2]
[null,null,null,{"$f":"D133","v":"Cash to Deposits Applied"},null,null,{"$f":"G133","v":0.13286508673452449},0.37146530454212018,0.30890015632035267,0.15036561440990381,0.20624170531303618,0.18,0.18,0.18,0.18,0.18,0.18,0.18,0.18,0.18,0.18,0.18,0.18,0.18,0.18,0.18,0.18,0.18,0.18]
[null,null,null,{"$f":"D260","v":"Other Income on Deposits Applied"},null,null,{"$f":"G260","v":2.1534760968222509E-2},1.4504473314029785E-2,3.0010018415416399E-2,1.6966044046193753E-2,1.7721811359139059E-2,2.1000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2]
[null,null,null,{"$f":"D270","v":"Salary Expense as Percent of Loans"},null,null,{"$f":"G270","v":2.9466427919059669E-2},3.5944268854655757E-2,3.3062154025549219E-2,2.9234978609633928E-2,{"$f":"L270","v":2.6703965421284531E-2},{"$f":"#REF!","v":{"$error":"#REF!"}},2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2]
[null,null,null,{"$f":"D281","v":"Other Expense as Percent of Loans"},null,null,{"$f":"G281","v":2.8248206048328742E-2},3.1880503554787984E-2,3.1975825619100992E-2,2.3848839072516313E-2,2.53382550437979E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2]
[null,null,null,{"$f":"D302","v":"Applied Payout Ratio"},null,null,{"$f":"G302","v":0.2682800742849159},0.50110382442698531,0.32326945953975061,0.25560366193441741,0.23626342454778596,0.25,0.25,0.25,0.25,0.25,0.25,0.25,0.25,0.25,0.25,0.25,0.25,0.25,0.25,0.25,0.25,0.25,0.25]
[null,null,null,{"$f":"D309","v":"Applied Capital Adequacy"},null,null,{"$f":"G309","v":9.4797099200970333E-2},9.8645361904383777E-2,0.10513513926642826,0.11010956861684562,0.1173132951897336,0.12,0.12,0.12,0.12,0.12,0.12,0.12,0.12,0.12,0.12,0.12,0.12,0.12,0.12,0.12,0.12,0.12,0.12]
[null,null,null,{"$f":"D288","v":"Applied Tax Rate"},null,null,{"$f":"G288","v":0.25179963375851661},0.23899698292650315,0.20406844133946114,0.20566926881291231,0.20206841242360266,0.2,0.2,0.2,0.2,0.2,0.2,0.2,0.2,0.2,0.2,0.2,0.2,0.2,0.2,0.2,0.2,0.2,0.2]
[null,null,null,"General Interest Expense Rate",null,null,{"$f":"G218","v":0.04},{"$f":"H218","v":0.04},0.04,0.04,0.04,0.04,0.04,0.04,0.04,0.04,0.04,0.04,0.04,0.04,0.04,0.04,0.04,0.04,0.04,0.04,0.04,0.04,0.04]
[null,null,null,{"$f":"C551","v":"Loan/Deposit Spread"},null,null,{"$f":"G551","v":0.1016282475004469},{"$f":"H551","v":0.119765087769339},8.7532187726510585E-2,9.2673359817842679E-2,8.2853609069193437E-2,7.6999999999999999E-2,7.6999999999999999E-2,7.8E-2,7.9000000000000001E-2,0.08,0.08,0.08,0.08,0.08,0.08,0.08,0.08,0.08,0.08,0.08,0.08,0.08,0.08]
[null,null,null,"General Interest Income Rate",null,null,{"$f":"G239","v":0.03},{"$f":"H239","v":0.03},0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03]
[]
[null,null,null,"Expense Scenario",null,21]
[]
[]
[]
[]
[null,null,null,{"$f":"INDEX(D673:D694,$F$696)","v":"Loan/Deposit Spread"},null,null,{"$f":"INDEX(G673:G694,$F$696)","v":0.1016282475004469},0.119765087769339,8.7532187726510585E-2,9.2673359817842679E-2,8.2853609069193437E-2,7.6999999999999999E-2,7.6999999999999999E-2,7.8E-2,7.9000000000000001E-2,0.08,0.08,0.08,0.08,0.08,0.08,0.08,0.08,0.08,0.08,0.08,0.08,0.08,0.08]
[]
[null,null,null,null,null,null,{"$f":"G2","v":2008},{"$f":"H2","v":2009},2010,2011,2012,2013,2014,2015,2016,2017,2018,2019,2020,2021,2022,2023,2024,2025,2026,2027,2028,2029,2030]
[null,null,null,"History",null,null,{"$f":"IF(AND(G3,G701),G701)","v":0.1016282475004469},0.119765087769339,8.7532187726510585E-2,9.2673359817842679E-2,8.2853609069193437E-2,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false]
[null,null,null,"Projected",null,null,{"$f":"IF(NOT(G3),G701)","v":false},false,false,false,false,7.6999999999999999E-2,7.6999999999999999E-2,7.8E-2,7.9000000000000001E-2,0.08,0.08,0.08,0.08,0.08,0.08,0.08,0.08,0.08,0.08,0.08,0.08,0.08,0.08]

{"sheet":"Master Scenario","index":4,"n_rows":31,"n_cols":14,"rows_kept":31,"cut":false,"hidden":false,"merged":[]}
[]
[null,null,null,"Scenario",3]
[]
[null,null,null,null,1,{"$f":"E4+1","v":2},3,4,5,6,7,8,9,10]
[null,null,null,null,"Deposit Growth","Cash to Deposits","Loans to Deposits","Loan Loss Provision","Capital Expenditure","Deposit Interest Rate","Loan Interest Rate","Other Income to Deposits","Salary Expense to Loans","Other Expense as Percent of Loans"]
[null,null,null,"Base Case",1,0.2,1,1,0.1,1,1,1.7000000000000001E-2,2.4E-2,1]
[null,null,null,"Low Case",2,0.3,2,2,0.12,2,2,1.4999999999999999E-2,2.1999999999999999E-2,2]
[null,null,null,"High Case",3,0.18,3,3,0.08,3,3,2.1000000000000001E-2,2.5999999999999999E-2,3]
[null,null,null,{"$f":"TRANSPOSE(E5:N5)&\" Low\"","v":"Deposit Growth Low"},{"$f":"E7","v":2},{"$f":"F$6","v":0.2},1,1,0.1,1,1,1.7000000000000001E-2,2.4E-2,1]
[null,null,null,"Cash to Deposits Low",{"$f":"E$6","v":1},{"$f":"F7","v":0.3},{"$f":"G$6","v":1},1,0.1,1,1,1.7000000000000001E-2,2.4E-2,1]
[null,null,null,"Loans to Deposits Low",1,{"$f":"F$6","v":0.2},{"$f":"G7","v":2},{"$f":"H$6","v":1},0.1,1,1,1.7000000000000001E-2,2.4E-2,1]
[null,null,null,"Loan Loss Provision Low",1,0.2,{"$f":"G$6","v":1},{"$f":"H7","v":2},{"$f":"I$6","v":0.1},1,1,1.7000000000000001E-2,2.4E-2,1]
[null,null,null,"Capital Expenditure Low",1,0.2,1,{"$f":"H$6","v":1},{"$f":"I7","v":0.12},{"$f":"J$6","v":1},{"$f":"K$6","v":1},{"$f":"L$6","v":1.7000000000000001E-2},{"$f":"M$6","v":2.4E-2},{"$f":"N$6","v":1}]
[null,null,null,"Deposit Interest Rate Low",1,0.2,1,1,{"$f":"I$6","v":0.1},{"$f":"J7","v":2},{"$f":"K$6","v":1},{"$f":"L$6","v":1.7000000000000001E-2},{"$f":"M$6","v":2.4E-2},{"$f":"N$6","v":1}]
[null,null,null,"Loan Interest Rate Low",1,0.2,1,1,0.1,{"$f":"J$6","v":1},{"$f":"K7","v":2},{"$f":"L$6","v":1.7000000000000001E-2},{"$f":"M$6","v":2.4E-2},{"$f":"N$6","v":1}]
[null,null,null,"Other Income to Deposits Low",1,0.2,1,1,0.1,1,{"$f":"K$6","v":1},{"$f":"L7","v":1.4999999999999999E-2},{"$f":"M$6","v":2.4E-2},{"$f":"N$6","v":1}]
[null,null,null,"Salary Expense to Loans Low",1,0.2,1,1,0.1,1,1,{"$f":"L$6","v":1.7000000000000001E-2},{"$f":"M7","v":2.1999999999999999E-2},{"$f":"N$6","v":1}]
[null,null,null,"Other Expense as Percent of Loans Low",1,0.2,1,1,0.1,1,1,1.7000000000000001E-2,{"$f":"M$6","v":2.4E-2},{"$f":"N7","v":2}]
[null,null,null,{"$f":"TRANSPOSE(E5:N5)&\" High\"","v":"Deposit Growth High"},{"$f":"E8","v":3},0.2,1,1,0.1,1,1,1.7000000000000001E-2,2.4E-2,{"$f":"N$6","v":1}]
[null,null,null,"Cash to Deposits High",{"$f":"E$6","v":1},{"$f":"F8","v":0.18},1,1,0.1,1,1,1.7000000000000001E-2,2.4E-2,1]
[null,null,null,"Loans to Deposits High",1,{"$f":"F$6","v":0.2},{"$f":"G8","v":3},1,0.1,1,1,1.7000000000000001E-2,2.4E-2,1]
[null,null,null,"Loan Loss Provision High",1,0.2,{"$f":"G$6","v":1},{"$f":"H8","v":3},0.1,1,1,1.7000000000000001E-2,2.4E-2,1]
[null,null,null,"Capital Expenditure High",1,0.2,1,{"$f":"H$6","v":1},{"$f":"I8","v":0.08},1,1,1.7000000000000001E-2,2.4E-2,1]
[null,null,null,"Deposit Interest Rate High",1,0.2,1,1,{"$f":"I$6","v":0.1},{"$f":"J8","v":3},1,1.7000000000000001E-2,2.4E-2,1]
[null,null,null,"Loan Interest Rate High",1,0.2,1,1,0.1,{"$f":"J$6","v":1},{"$f":"K8","v":3},1.7000000000000001E-2,2.4E-2,1]
[null,null,null,"Other Income to Deposits High",1,0.2,1,1,0.1,{"$f":"J$6","v":1},{"$f":"K$6","v":1},{"$f":"L8","v":2.1000000000000001E-2},2.4E-2,1]
[null,null,null,"Salary Expense to Loans High",1,0.2,1,1,0.1,{"$f":"J$6","v":1},{"$f":"K$6","v":1},{"$f":"L$6","v":1.7000000000000001E-2},{"$f":"M8","v":2.5999999999999999E-2},1]
[null,null,null,"Other Expense as Percent of Loans High",1,0.2,1,1,0.1,{"$f":"J$6","v":1},{"$f":"K$6","v":1},{"$f":"L$6","v":1.7000000000000001E-2},{"$f":"M$6","v":2.4E-2},{"$f":"N8","v":3}]
[null,null,null,"Flex Case",1,0.2,1,1,0.1,{"$f":"J$6","v":1},{"$f":"K$6","v":1},{"$f":"L$6","v":1.7000000000000001E-2},{"$f":"M$6","v":2.4E-2},{"$f":"N$6","v":1}]
[]
[null,null,null,{"$f":"INDEX(D6:D29,$E$2)","v":"High Case"},{"$f":"INDEX(E6:E29,$E$2)","v":3},0.18,3,3,0.08,3,3,2.1000000000000001E-2,2.5999999999999999E-2,3]

{"sheet":"Audit","index":5,"n_rows":13,"n_cols":4,"rows_kept":13,"cut":false,"hidden":false,"merged":[]}
[]
[]
[]
[null,"Cash Flow",{"$f":"Working!F491","v":true},{"$f":"IF(C4,\"\",B4)","v":""}]
[null,"Balance Sheet",{"$f":"Working!F541","v":false},{"$f":"IF(C5,\"\",B5)","v":"Balance Sheet"}]
[null,"Net Margin",{"$f":"Working!F640","v":true},""]
[null,"Total Revenue",{"$f":"Working!F645","v":true},""]
[null,"EBT",{"$f":"Working!F650","v":true},""]
[null,"Cap Adequacecy",{"$f":"Working!F547","v":false},"Cap Adequacecy"]
[null,"Assets",{"$f":"Working!F661","v":true},{"$f":"IF(C10,\"\",B10)","v":""}]
[]
[null,null,{"$f":"AND(C4:C10)","v":false},{"$f":"D4&D5&D6&D7&D8&D10&D9","v":"Balance SheetCap Adequacecy"}]
[null,null,null,{"$f":"IF(D12=\"\",\"Model Ok\",D12)","v":"Balance SheetCap Adequacecy"}]

{"sheet":"Key Stats","index":6,"n_rows":73,"n_cols":9,"rows_kept":73,"cut":false,"hidden":false,"merged":[]}
[]
[]
[]
[]
["PT Bank Central Asia Tbk (JKSE:BBCA) > Financials > Key Stats"]
[]
["In Millions of the trading currency, except per share items.","Currency:","Trading Currency"," ","Conversion:","Today's Spot Rate"]
[null,"Order:","Latest on Right"," ","Units:","S&P Capital IQ (Default)"]
[null,"Decimals:","Capital IQ (Default)"," "]
[]
[]
["Key Financials¹"]
["For the Fiscal Period Ending\n","12 months\nDec-31-2009A","12 months\nDec-31-2010A","12 months\nDec-31-2011A","12 months\nDec-31-2012A","LTM²\n12 months\nMar-31-2013A","12 months†\nDec-31-2013E","12 months\nDec-31-2014E","12 months\nDec-31-2015E"]
["Currency","IDR","IDR","IDR","IDR","IDR","IDR","IDR","IDR"]
[]
["Total Revenue",17380044,20211353,23811482,27545764,28604966,32930259.859999999,38738752.840000004,45711977.729999997]
["  Growth Over Prior Year",0.19688900000000001,0.16290499999999999,0.178124,0.15682599999999999,0.15645800000000001,5.1469047125E-2,0.17638770555399999,0.18000643745]
[]
["EBT Excl. Unusual Items",8945092,10653269,13618758,14686046,15414706,"-","-","-"]
["  Margin %",0.51467600000000002,0.52709300000000003,0.57194,0.53315000000000001,0.53888199999999997,"-","-","-"]
["Earnings from Cont. Ops.",6807242,8479273,10817798,11718460,12308435,"-","-","-"]
["  Margin %",0.39167000000000002,0.41953000000000001,0.45430999999999999,0.42541699999999999,0.43029000000000001,"-","-","-"]
[]
["Net Income",6807242,8479273,10819309,11721717,12309907,13432026.41,15899680.98,18889303.050000001]
["  Margin %",0.39167000000000002,0.41953000000000001,0.45437300000000003,0.42553600000000003,0.43034099999999997,0.40789311918900001,0.41043347589599999,0.41322436674200003]
[]
["Diluted EPS Excl. Extra Items³",279.38330000000002,348.006912,444.04683299999999,480.36306500000001,503.39448199999998,548.62167999999997,649.56255999999996,769.76193999999998]
["  Growth Over Prior Year",0.18151200000000001,0.24562500000000001,0.27597100000000002,8.1783999999999996E-2,0.104334,"-",0.18398995825299999,0.18504665663]
[]
["Total Assets",282392324,324419069,381908353,442994197,447444999,"-","-","-"]
["  Growth Over Prior Year",0.149947,0.14882300000000001,0.177206,0.15994800000000001,0.11657099999999999,"-","-","-"]
[]
["¹All results are taken from the most recently filed statement for each period. When there has been more than one, earlier filings can be viewed on the individual statement pages."]
["²Growth rates for the LTM period are calculated against the LTM period ending 12 months before."]
["³All forward period figures are consensus mean estimates provided by the brokers and may not be on a comparable basis as financials."]
["†Growth rates for forward periods are calculated against prior period estimates or actual pro forma results as disclosed on the Estimates Consensus page."]
[]
["Latest Capitalization (Millions of IDR)"]
["Currency","IDR"]
["Share Price",9100]
["Shares Out.",24456.228999999999]
[]
["Market Capitalization**",222551683.90000001]
["Book Value of Common Equity",56525272]
["+ Book Value of Pref. Equity","-"]
["= Total Equity",56599302]
[]
["Tier 1 Capital","-"]
["Tier 2 Capital","-"]
["Total Capital","-"]
[]
["Tier 1 Capital Ratio %","-"]
["Total Capital Ratio %","-"]
["Leverage Ratio %","-"]
[]
["**For companies that have multiple share classes that publicly trade, we are incorporating the different prices to calculate our company level market capitalization.  Please click on the value to see the detailed calculation. Prices shown on this page are the close price of the company’s primary stock class. Shares shown on this page are total company as-reported share values."]
[]
[]
[]
[]
["Valuation Multiples based on Current Capitalization"]
["For the Fiscal Period Ending\n","12 months\nDec-31-2012A","LTM\n12 months\nMar-31-2013A","12 months\nDec-31-2013E","12 months\nDec-31-2014E","12 months\nDec-31-2015E"]
["Market Cap / Total Revenue",8.0793429999999997,7.780176,6.7314947085899997,5.7192579983679996,4.8575045081260004]
[]
["Market Cap / EBT Excl. Unusual Items",15.153955,14.437621,"-","-","-"]
[]
["P/Diluted EPS Before Extra",18.944004,18.077273999999999,16.491975897130001,13.906988963371999,11.737147024865999]
[]
["P/BV",4.2941440000000002,"NA",3.5939111733970002,2.9960407251449999,2.5103691869840001]
[]
["Price/Tang BV",4.2941440000000002,"NA","-","-","-"]
[]
["\n               \n               \n               \n               \n               "]

{"sheet":"Income Statement","index":7,"n_rows":91,"n_cols":7,"rows_kept":91,"cut":false,"hidden":false,"merged":[]}
[]
[]
[]
[]
["PT Bank Central Asia Tbk (JKSE:BBCA) > Financials > Income Statement"]
[]
["In Millions of the reported currency, except per share items.","Template:","Bank"," ","Restatement:","Latest Filings"]
[null,"Period Type:","Annual"," ","Order:","Latest on Right"]
[null,"Currency:","Reported Currency"," ","Conversion:","Today's Spot Rate"]
[null,"Units:","S&P Capital IQ (Default)"," ","Decimals:","Capital IQ (Default)"]
[]
[]
["Income Statement"]
["For the Fiscal Period Ending\n","Reclassified\n12 months\nDec-31-2008","Reclassified\n12 months\nDec-31-2009","12 months\nDec-31-2010","Reclassified\n12 months\nDec-31-2011","12 months\nDec-31-2012","LTM\n12 months\nMar-31-2013"]
["Currency","IDR","IDR","IDR","IDR","IDR","IDR"]
[" "]
["Interest Income On Loans",18616168,22081673,20660602,25783993,28885290,29754210]
["  Total Interest Income",18616168,22081673,20660602,25783993,28885290,29754210]
["Interest On Deposits",6940345,8030986,7723774,7730157,7647167,7290078]
["  Total Interest Expense",6940345,8030986,7723774,7730157,7647167,7290078]
["  Net Interest Income",11675823,14050687,12936828,18053836,21238123,22464132]
[]
["Income From Trading Activities","-","-","-",1158948,604736,624258]
["Gain (Loss) On Sale Of Assets (Rev)",5974,7219,9673,7007,4461,4461]
["Gain on Sale of Invest. & Secur (Rev)",-14429,-2211438,2068760,"-","-","-"]
["Total Other Non-Interest Income",4580672,5130002,5674085,4835924,5771097,5958196]
["Non-Oper. Income (Exp.)",27114,418990,179318,314976,426017,433877]
["  Total Non Interest Income",4599331,3344773,7931836,6316855,6806311,7020792]
["  Revenue Before Loan Losses",16275154,17395460,20868664,24370691,28044434,29484924]
[]
["Provision For Loan Losses",1754149,15416,657311,559209,498670,879958]
["  Total Revenue",14521005,17380044,20211353,23811482,27545764,28604966]
[]
["Salaries and Other Empl. Benefits",3283965,4186617,4544611,5204359,6154966,6398327]
["Amort. of Goodwill & Intang. Assets","-","-","-","-","-","-"]
["Selling General & Admin Exp., Total",3318400,4056247,4785413,5448690,6400048,6513027]
["Total Other Non-Interest Expense",198597,192088,228060,-460325,304704,278906]
["  Total Non-Interest Expense",6800962,8434952,9558084,10192724,12859718,13190260]
[]
["  EBT Excl. Unusual Items",7720043,8945092,10653269,13618758,14686046,15414706]
[]
["Impairment of Goodwill","-","-","-","-","-","-"]
["Other Unusual Items","-","-","-","-","-","-"]
["  EBT Incl. Unusual Items",7720043,8945092,10653269,13618758,14686046,15414706]
[]
["Income Tax Expense",1943904,2137850,2173996,2800960,2967586,3106271]
["  Earnings from Cont. Ops.",5776139,6807242,8479273,10817798,11718460,12308435]
[]
["Earnings of Discontinued Ops.","-","-","-","-","-","-"]
["Extraord. Item & Account. Change","-","-","-","-","-","-"]
["  Net Income to Company",5776139,6807242,8479273,10817798,11718460,12308435]
[]
["Minority Int. in Earnings","-","-","-",1511,3257,1472]
["  Net Income",5776139,6807242,8479273,10819309,11721717,12309907]
[]
["Pref. Dividends and Other Adj.","-","-","-","-","-","-"]
[]
["  NI to Common Incl Extra Items",5776139,6807242,8479273,10819309,11721717,12309907]
["  NI to Common Excl. Extra Items",5776139,6807242,8479273,10819309,11721717,12309907]
[]
["Per Share Items"]
["Basic EPS",236.46234999999999,279.38330000000002,348.006912,444.04683299999999,480.36306500000001,503.39448199999998]
["Basic EPS Excl. Extra Items",236.46234999999999,279.38330000000002,348.006912,444.04683299999999,480.36306500000001,503.39448199999998]
["Weighted Avg. Basic Shares Out.",24427.309406,24365.242999999999,24365.242999999999,24365.242999999999,24401.786556999999,24453.798038000001]
[]
["Diluted EPS",236.46234999999999,279.38330000000002,348.006912,444.04683299999999,480.36306500000001,503.39448199999998]
["Diluted EPS Excl. Extra Items",236.46234999999999,279.38330000000002,348.006912,444.04683299999999,480.36306500000001,503.39448199999998]
["Weighted Avg. Diluted Shares Out.",24427.309406,24365.242999999999,24365.242999999999,24365.242999999999,24401.786556999999,24453.798038000001]
[]
["Normalized Basic EPS",197.525924,229.45318,273.27012999999999,349.40077300000002,376.28538900000001,394.03544699999998]
["Normalized Diluted EPS",197.525924,229.45318,273.27012999999999,349.40077300000002,376.28538900000001,394.03544699999998]
[]
["Dividends per Share","NA",110,112.5,113.5,"NA","NA"]
["Payout Ratio %",0.26828000000000002,0.50110299999999997,0.32326899999999997,0.25560300000000002,0.236263,0.22497400000000001]
["Shares per Depository Receipt",25,25,25,25,25,25]
[]
["Supplemental Items"]
["Effective Tax Rate %",0.251799,0.23899599999999999,0.204068,0.20566899999999999,0.202068,0.201513]
["Total Current Taxes",2342474,2539930,2255244,2628781,3141702,3331168]
["Total Deferred Taxes",-398570,-402080,-81248,172179,-174116,-224897]
[]
["Normalized Net Income",4825026.875,5590682.5,6658293.125,8513234.75,9182035.75,9635663.25]
["NI per SFAS 123 (after Options)","NA","NA","NA","NA","NA","NA"]
["Non-Cash Pension Expense",149968,481897,351195,"-","-","-"]
["Filing Date","2010-03-05","2011-03-01","2013-02-20","2013-03-28","2013-03-28","2013-04-30"]
["Restatement Type","RC","RC","NC","RC","O","O"]
["Calculation Type","REP","REP","REP","REP","REP","LTM"]
[]
[]
["Note: For multiple class companies, per share items are primary class equivalent, and for foreign companies listed as primary ADRs, per share items are ADR-equivalent."]
["\n               \n               \n               \n               \n               "]

{"sheet":"Balance Sheet","index":8,"n_rows":90,"n_cols":7,"rows_kept":90,"cut":false,"hidden":false,"merged":[]}
[]
[]
[]
[]
["PT Bank Central Asia Tbk (JKSE:BBCA) > Financials > Balance Sheet"]
[]
["In Millions of the reported currency, except per share items.","Template:","Bank"," ","Restatement:","Latest Filings"]
[null,"Period Type:","Annual"," ","Order:","Latest on Right"]
[null,"Currency:","Reported Currency"," ","Conversion:","Today's Spot Rate"]
[null,"Units:","S&P Capital IQ (Default)"," ","Decimals:","Capital IQ (Default)"]
[]
[]
["Balance Sheet"]
["Balance Sheet as of:\n","Reclassified\nDec-31-2008","Restated\nDec-31-2009","2010-12-31","Reclassified\nDec-31-2011","2012-12-31","2013-03-31"]
["Currency","IDR","IDR","IDR","IDR","IDR","IDR"]
["ASSETS"]
["Cash And Equivalents",18708327,80474175,66210486,17294974,43046602,44254533]
[]
["Investment Securities",94677071,58189032,72374563,111760755,83048141,77931798]
["Trading Asset Securities",206766,37410,63966,2567832,1441725,1850018]
["  Total Investments",94883837,58226442,72438529,114328587,84489866,79781816]
[]
["Gross Loans",114242564,125847866,157577264,206789521,262881165,271236575]
["Allowance For Loan Losses",-2794789,-4345084,-3949307,-3860505,-4105684,-4413962]
["Other Adj. to Gross Loans",-96,"-",-217556,-302967,-423851,-435197]
["  Net Loans",111447679,121502782,153410401,202626049,258351630,266387416]
[]
["Gross Property, Plant & Equipment",5162253,5913511,6825205,7818396,10620365,11113982]
["Accumulated Depreciation",-2517468,-2942242,-3418248,-3673737,-4213740,-4404490]
["  Net Property, Plant & Equipment",2644785,2971269,3406957,4144659,6406625,6709492]
[]
["Other Receivables","-","-","-",1273598,1946793,1514246]
["Restricted Cash",9668608,11511278,20585480,31881075,33848000,33549606]
["Other Current Assets","-","-","-","-","-","-"]
["Deferred Tax Assets, LT",770686,1046739,951767,798382,919802,1015870]
["Other Long-Term Assets",7445934,6659639,7415449,9561029,13984879,14232020]
["Total Assets",245569856,282392324,324419069,381908353,442994197,447444999]
[]
["LIABILITIES"]
["Accrued Exp.",150776,162283,171288,3693094,5620847,7327942]
[]
["Interest Bearing Deposits",213577063,247628653,280983885,327043182,372837307,370630838]
["  Total Deposits",213577063,247628653,280983885,327043182,372837307,370630838]
[]
["Short-term Borrowings",220286,417265,432150,74393,173474,455000]
["Curr. Port. of LT Debt",11897,310242,753309,924639,981859,980177]
["Long-Term Debt",882170,414414,395194,975567,1543036,1444158]
["Curr. Income Taxes Payable",498436,264191,487315,159860,216614,240807]
["Other Current Liabilities",4243940,2872778,3556190,4043322,5839495,5761451]
["Pension & Other Post-Retire. Benefits",792603,1021633,2047252,2251449,2854612,3016257]
["Other Non-Current Liabilities",1913375,1444172,1484642,715507,1029011,989067]
["  Total Liabilities",222290546,254535631,290311225,339881013,391096255,390845697]
[]
["Common Stock",1540938,1540938,1540938,1540938,1540938,1540938]
["Additional Paid In Capital",3895933,3895933,3895933,3895933,4396429,5711369]
["Retained Earnings",18338392,22587283,28528020,36581874,45534178,48426068]
["Treasury Stock",-808585,-808585,-808585,-808585,-617589,"-"]
["Comprehensive Inc. and Other",312632,641124,951538,792756,972819,846897]
["  Total Common Equity",23279310,27856693,34107844,42002916,51826775,56525272]
[]
["Minority Interest","-","-","-",24424,71167,74030]
[]
["Total Equity",23279310,27856693,34107844,42027340,51897942,56599302]
[]
["Total Liabilities And Equity",245569856,282392324,324419069,381908353,442994197,447444999]
[]
["Supplemental Items"]
["Total Shares Out. on Filing Date",24365.242999999999,24365.242999999999,24365.242999999999,24365.242999999999,24456.228999999999,"NA"]
["Total Shares Out. on Balance Sheet Date",24365.242999999999,24365.242999999999,24365.242999999999,24365.242999999999,24456.228999999999,"NA"]
["Book Value/Share",955.431062,1143.2963339999999,1399.8565080000001,1723.8866029999999,2119.1646099999998,"NA"]
["Book Value/Share (Reported)",944,1143,1400,"-","-","-"]
["Tangible Book Value",23279310,27856693,34107844,42002916,51826775,56525272]
["Tangible Book Value/Share",955.431062,1143.2963339999999,1399.8565080000001,1723.8866029999999,2119.1646099999998,"NA"]
["Average Assets","NA","NA","NA","NA","NA","NA"]
["Average Loans","NA","NA","NA","NA","NA","NA"]
["Total Debt",1114353,1141921,1580653,1974599,2698369,2879335]
["Cash Deposits Int. Bearing","NA",57115453,2296366,"NA","NA","NA"]
["Debt Equiv. of Unfunded Proj. Benefit Obligation",1181319,2450576,3322901,"NA","NA","NA"]
["Net Debt",-22737148,-82692640,-77508725,-77626822,-77527728,-74487637]
["Full Time Employees",20303,20173,19687,19962,"NA","NA"]
["Number of Branches",844,875,902,944,"NA","NA"]
["Assets under Cap. Lease, Gross",15283,14471,16083,26205,28653,28653]
["Assets under Cap. Lease, Accum. Depr.",-1048,-5286,-9385,-2047,-10334,-12790]
["Filing Date","2010-03-05","2011-03-01","2013-02-20","2013-03-28","2013-03-28","2013-04-30"]
["Restatement Type","RC","RS","NC","RC","O","O"]
["Calculation Type","REP","REP","REP","REP","REP","REP"]
[]
[]
["Note: For multiple class companies, total share counts are primary class equivalent, and for foreign companies listed as primary ADRs, total share counts are ADR-equivalent."]
["\n               \n               \n               \n               \n               "]

{"sheet":"Cash Flow","index":9,"n_rows":65,"n_cols":7,"rows_kept":65,"cut":false,"hidden":false,"merged":[]}
[]
[]
[]
[]
["PT Bank Central Asia Tbk (JKSE:BBCA) > Financials > Cash Flow"]
[]
["In Millions of the reported currency, except per share items.","Template:","Bank"," ","Restatement:","Latest Filings"]
[null,"Period Type:","Annual"," ","Order:","Latest on Right"]
[null,"Currency:","Reported Currency"," ","Conversion:","Today's Spot Rate"]
[null,"Units:","S&P Capital IQ (Default)"," ","Decimals:","Capital IQ (Default)"]
[]
[]
["Cash Flow"]
["For the Fiscal Period Ending\n","12 months\nDec-31-2008","Restated\n12 months\nDec-31-2009","Restated\n12 months\nDec-31-2010","Restated\n12 months\nDec-31-2011","12 months\nDec-31-2012","LTM\n12 months\nMar-31-2013"]
["Currency","IDR","IDR","IDR","IDR","IDR","IDR"]
[" "]
["Net Income",5776139,6807242,8479273,10819309,11721717,12309907]
["Depreciation & Amort.",368800,535046,618185,742837,864567,910114]
["Depreciation & Amort., Total",368800,535046,618185,742837,864567,910114]
[]
["Change in Trad. Asset Securities",121907,-1227165,-92251,-454854,1165555,498431]
["Change in Other Net Operating Assets",-26916593,11123446,21093654,-96132248,-31845814,-10573578]
["Other Operating Activities",-6851733,-19487088,-58939345,34132,-1780000,-22126125]
["  Cash from Ops.",-27501480,-2248519,-28840484,-84990824,-19873975,-18981251]
[]
["Capital Expenditures",-1014455,-930497,-1118823,-1727384,-3211877,-2928307]
["Sale of Property, Plant and Equipment",13780,11045,13389,24191,16894,33559]
["Cash Acquisitions","-","-","-","-","-","-"]
["Divestitures","-","-","-","-","-","-"]
["Net Cash from Investments",5205628,11046085,-3867938,5699763,5245354,4138567]
["Net (Increase)/Decrease in Loans Orig/Sold","-","-","-","-","-","-"]
["Deferred Charges","-","-","-","-","-","-"]
["Total Other Investing Activities",51,108,-25934,225,1884,1884]
["  Cash from Investing",4205004,10126741,-4999306,3996795,2052255,1245703]
[]
["Short Term Debt Issued","-","-","-","-","-","-"]
["Long-Term Debt Issued","-",282008,"-",362228,1039867,"-"]
["Total Debt Issued","-",282008,"-",362228,1039867,692249]
["Short Term Debt Repaid","-","-","-","-","-","-"]
["Long-Term Debt Repaid",-635670,"-",-281612,-7883,-312820,"-"]
["Total Debt Repaid",-635670,"-",-281612,-7883,-312820,-324001]
[]
["Issuance of Common Stock","-","-","-","-",691492,2624021]
["Repurchase of Common Stock",-617589,"-","-","-","-","-"]
[]
["Common Dividends Paid",-1549623,-3411135,-2741090,-2765455,-2769413,-2769413]
["Total Dividends Paid",-1549623,-3411135,-2741090,-2765455,-2769413,-2769413]
[]
["Net Incr. (Decr.) in Deposit Accounts",25757716,29369796,32146448,46720157,47589019,33859579]
["Special Dividend Paid","-","-","-","-","-","-"]
["Other Financing Activities",-56113,"-","-","-",50000,50000]
["  Cash from Financing",22898721,26240669,29123746,44309047,46288145,34132435]
[]
["Foreign Exchange Rate Adj.","-","-",-594002,-934935,-747872,-983470]
["  Net Change in Cash",-397755,34118891,-5310046,-37619917,27718553,15413417]
[]
["Supplemental Items"]
["Cash Interest Paid",6937316,8017976,7715163,7696113,7692146,7356959]
["Cash Taxes Paid",2251332,2772529,2037009,2751678,3084948,3266533]
["Net Debt Issued",-635670,282008,-281612,354345,727047,368248]
["Filing Date","2010-03-05","2011-03-01","2013-02-20","2013-03-28","2013-03-28","2013-04-30"]
["Restatement Type","NC","RS","RS","RS","O","O"]
["Calculation Type","REP","REP","REP","REP","REP","LTM"]
[]
["\n               \n               \n               \n               \n               "]

{"sheet":"Multiples","index":10,"n_rows":58,"n_cols":6,"rows_kept":58,"cut":false,"hidden":false,"merged":[]}
[]
[]
[]
[]
["PT Bank Central Asia Tbk (JKSE:BBCA) > Financials > Multiples"]
[]
[null,"View:","Data"," ","Frequency:","Quarterly"]
[null,"Order:","Latest on Right"," ","Decimals:","Capital IQ (Default)"]
[]
[]
["Multiples Detail"]
[]
["For Quarter Ending",null,"2012-12-28","2013-03-28","2013-06-28","2013-07-08"]
["Market Cap/LTM Total Revenue","Average",7.9387540000000003,9.2270079999999997,9.0357859999999999,8.1862840000000006]
[null,"High",8.7216920000000009,10.374223000000001,9.9438069999999996,8.5068959999999993]
[null,"Low",7.331582,8.1249450000000003,7.6519310000000003,7.780176]
[null,"Close",8.3544630000000009,10.121375,8.5496440000000007,7.780176]
[]
["Market Cap/NTM Total Revenues","Average",6.7861070000000003,7.842841,7.7196819999999997,6.3743650000000001]
[null,"High",7.3669919999999998,8.8063179999999992,8.4973240000000008,6.6803819999999998]
[null,"Low",6.3329959999999996,6.8538069999999998,6.1925509999999999,6.0626329999999999]
[null,"Close",7.0925399999999996,8.8063179999999992,6.7085549999999996,6.0626329999999999]
[]
["Market Cap/LTM EBT Excl. Unusual Items","Average",14.639099,17.064892,16.752848,15.191231999999999]
[null,"High",16.126080999999999,19.181549,18.651021,15.78619]
[null,"Low",13.440498,15.022717,14.199638,14.437621]
[null,"Close",15.447088000000001,18.984075000000001,15.865517000000001,14.437621]
[]
["P/LTM EPS","Average",18.384193,21.422291999999999,21.016779,19.020866999999999]
[null,"High",20.245358,24.081320999999999,23.315697,19.765809999999998]
[null,"Low",16.890331,18.860149,17.779295999999999,18.077273999999999]
[null,"Close",19.392921999999999,23.732049,19.865136,18.077273999999999]
[]
["P/NTM EPS","Average",16.579014000000001,19.062922,18.541454999999999,16.603262999999998]
[null,"High",17.954794,21.648039000000001,20.868739000000001,17.407]
[null,"Low",15.496662000000001,16.700151999999999,15.688370000000001,15.786258]
[null,"Close",17.266186999999999,21.627602,17.480408000000001,15.786258]
[]
["P/LTM Normalized EPS","Average",23.367108999999999,27.212206999999999,26.789546999999999,24.299842999999999]
[null,"High",25.714772,30.587043999999999,29.764641999999998,25.251535000000001]
[null,"Low",21.501144,23.95534,22.713692000000002,23.094367999999999]
[null,"Close",24.632044,30.296153,25.378426999999999,23.094367999999999]
[]
["P/BV","Average",4.3785639999999999,4.9942900000000003,"-","-"]
[null,"High",4.7223660000000001,5.6171300000000004,"-","-"]
[null,"Low",4.0761469999999997,4.3992570000000004,"-","-"]
[null,"Close",4.5235289999999999,5.3794779999999998,"-","-"]
[]
["P/Tangible BV","Average",4.3785639999999999,4.9942900000000003,"-","-"]
[null,"High",4.7223660000000001,5.6171300000000004,"-","-"]
[null,"Low",4.0761469999999997,4.3992570000000004,"-","-"]
[null,"Close",4.5235289999999999,5.3794779999999998,"-","-"]
[]
["Average multiples are calculated using positive close values on each trading day within the frequency periods selected. Negative values are excluded from the calculation. When the Multiples are not meaningful, due to negative values, then they will not be displayed in the chart."]
[]
["When a mismatch exists between the currency of the equity listing and the reported financial results such results are translated into the currency of the listing at the exchange rate applicable on the financial period end date."]
[]
["Historical Equity Pricing Data supplied by"]

{"sheet":"Historical Capitalization","index":11,"n_rows":38,"n_cols":7,"rows_kept":38,"cut":false,"hidden":false,"merged":[]}
[]
[]
[]
[]
["PT Bank Central Asia Tbk (JKSE:BBCA) > Financials > Historical Capitalization"]
[]
["In Millions of the trading currency, except per share items.","Frequency:","Quarterly"," ","Order:","Latest on Right"]
[null,"Currency:","Trading Currency"," ","Conversion:","Today's Spot Rate"]
[null,"Units:","S&P Capital IQ (Default)"," ","Decimals:","Capital IQ (Default)"]
[]
[]
["Historical Capitalization"]
["Balance Sheet as of:\n","2011-12-31","2012-03-31","2012-06-30","2012-09-30","2012-12-31","2013-03-31"]
["Pricing as of*","2013-02-20","2012-04-27","2012-07-31","2012-10-30","2013-03-28","2013-04-30"]
["Currency","IDR","IDR","IDR","IDR","IDR","IDR"]
["Capitalization Detail"]
["Share Price",10300.003874,7849.9990809999999,8000,8200.0019229999998,11400.001942999999,10750]
["Shares Out.",24456.228999999999,24365.242999999999,24365.242999999999,24456.228999999999,24456.228999999999,24456.228999999999]
[]
["Market Capitalization",251899158.69999999,191267157.55000001,194921944,200541077.80000001,278801010.60000002,262904461.75]
["Book Value of Common Equity",42002916,44291155,45491639,49198676,51826775,56525272]
["+ Book Value of Pref. Equity","-","-","-","-","-","-"]
["= Total Equity",42027340,44316657,45514829,49220587,51897942,56599302]
[]
["Tier 1 Capital",31880713,"-","-","-","-","-"]
["Tier 2 Capital",3081433,"-","-","-","-","-"]
["Total Capital",34962146,"-","-","-","-","-"]
[]
["Tier 1 Capital Ratio %",0.11623799999999999,"-","-","-","-","-"]
["Total Capital Ratio %",0.1275,"-","-","-","-","-"]
["Leverage Ratio %","-","-","-","-","-","-"]
[]
[]
["* Pricing as of the filing date of the balance sheet period end date. For TEV calculation purposes on this page Capital IQ only uses balance sheet components from the original filing that is publicly available as of a given pricing date and does not use restated balance sheet data from a later filing. In the cases where a company did not disclose balance sheet values for a particular period, TEV is calculated using balance sheet components from the last reported balance sheet as of this date. The table above is organized along period end dates."]
["** For companies that have multiple share classes that publicly trade, we are incorporating the different prices to calculate our company level market capitalization.  Please click on the value to see the detailed calculation. Prices shown on this page are the close price of the company’s primary stock class. Shares shown on this page are total company as-reported share values."]
[]
[]
["Historical Equity Pricing Data supplied by"]

{"sheet":"Capital Structure Summary","index":12,"n_rows":62,"n_cols":7,"rows_kept":62,"cut":false,"hidden":false,"merged":[[14,1,14,2],[14,3,14,4],[14,5,14,6]]}
[]
[]
[]
[]
["PT Bank Central Asia Tbk (JKSE:BBCA) > Financials > Capital Structure Summary"]
[]
["In Millions of the reported currency, except ratios and % of Total values.","Restatement:","Latest Filings"," ","Period Type:","Annual"]
[null,"Currency:","Reported Currency"," ","Conversion:","Today's Spot Rate"]
[null,"Units:","S&P Capital IQ (Default)"," ","Decimals:","Capital IQ (Default)"]
[null,"Order:","Latest on Right"," "]
[]
[]
[]
["Debt Summary Data"]
[" For the Fiscal Period Ending\n"," 12 months Dec-31-2011",null," 12 months Dec-31-2012",null," 3 months Mar-31-2013"]
[" Currency"," IDR",null," IDR",null," IDR"]
[" Units"," Millions","% of Total"," Millions","% of Total"," Millions","% of Total"]
[" "]
["Total Revolving Credit",442742,0.224218,125894,4.6655000000000002E-2,"-","-"]
["Total Term Loans",488795.39543500001,0.24754100000000001,461858.787151,0.17116200000000001,"-","-"]
["Total Senior Bonds and Notes",1481018,0.75003399999999998,2521877,0.93459300000000001,"-","-"]
["  Total Principal Due",2412555.3954349998,1.221795,3109629.787151,1.1524099999999999,"-","-"]
[]
["Total Adjustments",-437956.4,-0.22179499999999999,-411260.8,-0.15240999999999999,"-","-"]
["  Total Debt Outstanding",1974599,1,2698369,1,2879335,1]
[]
["Available Credit"]
["Undrawn Revolving Credit","-","-",20400000,"-","-","-"]
["  Total Undrawn Credit","-","-",20400000,"-","-","-"]
[]
["Additional Totals"]
["Total Cash & ST Investments",79601421,"-",80226097,"-",77366972,"-"]
["Net Debt",-77626822,"-",-77527728,"-",-74487637,"-"]
["Total Senior Debt",2412555.3954349998,1.221795,3109629.787151,1.1524099999999999,"-","-"]
["Total Short-Term Borrowings",74393,3.7673999999999999E-2,173474,6.4287999999999998E-2,455000,0.158022]
["Curr. Port. of LT Debt/Cap. Leases",924639,0.46826600000000002,981859,0.363871,980177,0.34041700000000003]
["Long-Term Debt (Incl. Cap. Leases)",975567,0.494058,1543036,0.57184000000000001,"-","-"]
["Total Bank Debt",931537.39543499995,0.47176000000000001,587752.787151,0.21781700000000001,"-","-"]
["Total Secured Debt",1923834,0.97428999999999999,2647771,0.98124800000000001,"-","-"]
["Senior Secured Loans",442816,0.22425600000000001,125894,4.6655000000000002E-2,"-","-"]
["Senior Secured Bonds and Notes",1481018,0.75003399999999998,2521877,0.93459300000000001,"-","-"]
["Total Senior Secured Debt",1923834,0.97428999999999999,2647771,0.98124800000000001,"-","-"]
["Total Unsecured Debt",488721.39543500001,0.247504,461858.787151,0.17116200000000001,"-","-"]
["Fixed Rate Debt",211424,0.107071,0,0,"-","-"]
["Variable Rate Debt",488721.39543500001,0.247504,461858.787151,0.17116200000000001,"-","-"]
["Hedging Activities",44393,2.2481999999999999E-2,48474,1.7964000000000001E-2,"-","-"]
[]
["Fixed Payment Schedule"]
["LT Debt (Incl. Cap. Leases) Due +1",954639,0.48345900000000003,"-","-","-","-"]
["LT Debt (Incl. Cap. Leases) Due +2",207820.25,0.10524600000000001,"-","-","-","-"]
["LT Debt (Incl. Cap. Leases) Due +3",207820.25,0.10524600000000001,"-","-","-","-"]
["LT Debt (Incl. Cap. Leases) Due +4",207820.25,0.10524600000000001,"-","-","-","-"]
["LT Debt (Incl. Cap. Leases) Due +5",207820.25,0.10524600000000001,"-","-","-","-"]
["LT Debt (Incl. Cap. Leases) Due, Next 5 Yrs",1785920,0.90444599999999997,"-","-","-","-"]
[]
["Interest Rate Data"]
["Filing Date","2013-03-28","-","2013-03-28","-","2013-04-30","-"]
[null," ",null," ",null," "]
["Currency","IDR",null,"IDR",null,"IDR"]
["Exchange Rate",1,null,1,null,1]
["Conversion Method","S",null,"S",null,"S"]
["\n               \n               \n               \n               \n               "]

{"sheet":"Capital Structure Details","index":13,"n_rows":38,"n_cols":10,"rows_kept":38,"cut":false,"hidden":false,"merged":[]}
[]
[]
[]
[]
["PT Bank Central Asia Tbk (JKSE:BBCA) > Financials > Capital Structure Details"]
[]
["Principal Due in Millions of the reported currency.","Period Type:","Annual"," ","Source:","A 2012 filed Mar-28-2013"]
[null,"Currency:","Reported Currency"," ","Conversion:","Today's Spot Rate"]
[null,"Units:","S&P Capital IQ (Default)"," ","Decimals:","Capital IQ (Default)"]
[]
[]
["FY 2012 (Dec-31-2012) Capital Structure As Reported Details"]
["Description","Type","Principal Due (IDR)","Coupon/Base Rate","Floating Rate","Maturity","Seniority","Secured","Convertible","Repayment Currency"]
["Housing Loan from Bank Indonesia","Term Loans","-","2.970%","NA","6-30-2007 - 2013","Senior","Yes","No","IDR"]
["Liquidity Credit Facility from Bank Indonesia","Revolving Credit",577,"NA","NA","2000-09-22","Senior","Yes","No","IDR"]
["Loan Facility from PT Bank Victoria","Revolving Credit",75000,"NA","NA","2013-12-11","Senior","Yes","No","IDR"]
["Loan Facility from Sumitomo Mitsui Banking Corporation","Revolving Credit",50000,"NA","NA","7-31-2012 - 2013","Senior","Yes","No","IDR"]
["Loan from Japan Bank for International Cooperation - JPY","Term Loans",48502.3,"NA","New Benchmark","2013-08-01","Senior","No","No","JPY"]
["Loan from Japan Bank for International Cooperation - JPY","Term Loans",413356.5,"NA","New Benchmark","2013-08-01","Senior","No","No","JPY"]
["Marketable Securities Issued","Bonds and Notes",2521877,"NA","NA","2014-12-01","Senior","Yes","No","IDR"]
["Others Borrowings- Overdraft","Revolving Credit",317,"NA","NA","2000-09-20","Senior","Yes","No","NA"]
["Working Capital Facility from The Hongkong and Shanghai Banking Corporation Ltd,","Revolving Credit","-","8.710%","NA","2013-07-09","Senior","Yes","No","IDR"]
[]
[]
[]
[]
["FY 2011 (Dec-31-2011) Capital Structure As Reported Details"]
["Description","Type","Principal Due (IDR)","Coupon/Base Rate","Floating Rate","Maturity","Seniority","Secured","Convertible","Repayment Currency"]
["Housing Loan from Bank Indonesia","Term Loans",74,"2.970%","NA","6-30-2007 - 2013","Senior","Yes","No","IDR"]
["Liquidity Credit Facility from Bank Indonesia","Revolving Credit",583,"NA","NA","2000-09-22","Senior","Yes","No","IDR"]
["Loan from Japan Bank for International Cooperation - JPY","Term Loans",437398.1,"NA","New Benchmark","2013-08-01","Senior","No","No","JPY"]
["Loan from Japan Bank for International Cooperation - JPY","Term Loans",51323.3,"NA","New Benchmark","2013-08-01","Senior","No","No","JPY"]
["Marketable Securities Issued","Bonds and Notes",1481018,"NA","NA","2014-12-01","Senior","Yes","No","IDR"]
["Others Borrowings- Overdraft","Revolving Credit",230809,"NA","NA","2000-09-20","Senior","Yes","No","NA"]
["Working Capital Facility from PT Bank Victoria","Revolving Credit",30000,"7.000%","NA","2012-12-17","Senior","Yes","No","IDR"]
["Working Capital Facility from The Hongkong and Shanghai Banking Corporation Ltd,","Revolving Credit",181350,"8.710%","NA","2013-07-09","Senior","Yes","No","IDR"]
[]
["\n               \n               \n               \n               \n               "]

{"sheet":"Ratios","index":14,"n_rows":147,"n_cols":7,"rows_kept":147,"cut":false,"hidden":false,"merged":[]}
[]
[]
[]
[]
["PT Bank Central Asia Tbk (JKSE:BBCA) > Financials > Ratios"]
[]
[null,"Restatement:","Latest Filings"," ","Period Type:","Annual"]
[null,"Order:","Latest on Right"," ","Decimals:","Capital IQ (Default)"]
[]
[]
["Ratios"]
["For the Fiscal Period Ending\n","12 months\nDec-31-2008","12 months\nDec-31-2009","12 months\nDec-31-2010","12 months\nDec-31-2011","12 months\nDec-31-2012","LTM\n12 months\nMar-31-2013"]
["Profitability"]
["  Return on Assets %",2.4919E-2,2.5786E-2,2.7945999999999999E-2,3.0630999999999999E-2,2.8410999999999999E-2,2.9023E-2]
["  Return on Equity %",0.26422600000000002,0.26623999999999998,0.27368100000000001,0.28417300000000001,0.249527,0.24393400000000001]
["  Return on Common Equity %",0.26422600000000002,0.26623999999999998,0.27368100000000001,0.284304,0.24984999999999999,0.244204]
["  Shareholders Value Added",3152876.54,3739081.82,4761400.78,6252663.4000000004,6091935.54,6260921.3799999999]
[]
["Margin Analysis"]
["  SG&A Margin %",0.42936400000000002,0.445747,0.43672499999999997,0.42417300000000002,0.42931900000000001,0.42677500000000002]
["  Net Interest Income / Total Revenue %",0.804064,0.80843699999999996,0.64007700000000001,0.75819800000000004,0.77101200000000003,0.78532199999999996]
["  EBT Margin %",0.53164599999999995,0.51467600000000002,0.52709300000000003,0.57194,0.53315000000000001,0.53888199999999997]
["  Earnings from Cont. Ops Margin %",0.39777800000000002,0.39167000000000002,0.41953000000000001,0.45430999999999999,0.42541699999999999,0.43029000000000001]
["  Net Income Margin%",0.39777800000000002,0.39167000000000002,0.41953000000000001,0.45437300000000003,0.42553600000000003,0.43034099999999997]
["  Net Income Avail. for Common Margin %",0.39777800000000002,0.39167000000000002,0.41953000000000001,0.45437300000000003,0.42553600000000003,0.43034099999999997]
["  Normalized Net Income Margin %",0.33227899999999999,0.32167200000000001,0.32943299999999998,0.35752600000000001,0.33333699999999999,0.33685199999999998]
[]
["Asset quality"]
["  Nonperforming Loans / Total Loans %",5.9059999999999998E-3,7.175E-3,6.3010000000000002E-3,"NA","NA","NA"]
["  Nonperforming Loans / Total Assets %",2.7469999999999999E-3,3.1970000000000002E-3,3.0599999999999998E-3,"NA","NA","NA"]
["  Nonperforming Assets / Total Assets %",2.7469999999999999E-3,3.1970000000000002E-3,3.0599999999999998E-3,"NA","NA","NA"]
["  Nonperforming Assets / Loans and OREO %",5.9059999999999998E-3,7.175E-3,6.3010000000000002E-3,"-","-","-"]
["  Nonperforming Assets / Equity %",2.8985E-2,3.2417000000000001E-2,2.9111000000000001E-2,"-","-","-"]
["  Allow. for Credit Losses / Net Charge-offs %",20.765822,15.269750999999999,19.932102,"NA","NA","NA"]
["  Allow. for Credit Losses / Nonperf. Loans %",4.141845,4.8115220000000001,3.9774389999999999,"NA","NA","NA"]
["  Allow. for Credit Losses / Total Loans %",2.4462999999999999E-2,3.4526000000000001E-2,2.5062000000000001E-2,1.8668000000000001E-2,1.5618E-2,1.6272999999999999E-2]
["  Net Charge-offs / Total Avg. Loans %","NA","NA","NA","NA","NA","NA"]
["  Prov. for Loan Losses / Net Charge-offs %",13.033666,5.4175000000000001E-2,3.3174399999999999,"NA","NA","NA"]
[]
["Capital And Funding"]
["  Avg. Common Equity / Avg. Assets %",9.4312000000000007E-2,9.6854999999999997E-2,0.102114,0.107755,0.113746,0.118862]
["  Avg. Total Equity / Avg. Assets %",9.4312000000000007E-2,9.6854999999999997E-2,0.102114,0.10779,0.113862,0.118979]
["  Total Equity + Allowance for Loan Losses / Total Loans %",0.22823399999999999,0.25587799999999999,0.24151400000000001,0.22178700000000001,0.21276700000000001,0.22467100000000001]
["  Gross Loans / Total Deposits %",0.53490000000000004,0.508212,0.560805,0.63229999999999997,0.70508199999999999,0.73182400000000003]
["  Net Loans / Total Deposits %",0.521814,0.49066500000000002,0.54597499999999999,0.61956900000000004,0.69293300000000002,0.71874000000000005]
["  Tier 1 Capital Ratio %",0.15282799999999999,0.14547399999999999,0.12622700000000001,"NA","NA","NA"]
["  Total Capital Ratio %",0.1578,0.15329999999999999,0.13500000000000001,"NA","NA","NA"]
["  Tier 2 Capital Ratio %",1.2677000000000001E-2,7.7970000000000001E-3,8.7720000000000003E-3,"NA","NA","NA"]
["  Coverage Ratio %","NA","NA",3.2046999999999999E-2,"NA","NA","NA"]
["  Interbank Ratio",1.8796330000000001,4.3227989999999998,1.7389870000000001,6.4321950000000001,15.842592,12.255413000000001]
[]
["Fixed Charges Coverage"]
["  EBT + Int. on Borrowings / Int. on Borrowings","NA","NA","NA","NA","NA","NA"]
["  EBT + Int. Exp. / Int. Exp.",2.1123419999999999,2.1138219999999999,2.3792819999999999,2.7617690000000001,2.920455,3.1144769999999999]
[]
["Growth Over Prior Year"]
["  Net Interest Income",0.29311199999999998,0.2034,-7.9274999999999998E-2,0.395538,0.17637700000000001,0.18205199999999999]
["  Non Interest Income",0.33431100000000002,-0.27277000000000001,1.3714120000000001,-0.20360800000000001,7.7483999999999997E-2,0.12205299999999999]
["  Provision for Loan Losses",8.2917319999999997,-0.99121199999999998,41.638233,-0.14924799999999999,-0.10825899999999999,0.67142000000000002]
["  Total Revenue",0.181778,0.19688900000000001,0.16290499999999999,0.178124,0.15682599999999999,0.15645800000000001]
["  Earnings from Cont. Ops.",0.286659,0.17851,0.24562500000000001,0.27579300000000001,8.3256999999999998E-2,0.10825799999999999]
["  Net Income",0.286659,0.17851,0.24562500000000001,0.27597100000000002,8.3406999999999995E-2,0.108348]
["  Normalized Net Income",0.20594899999999999,0.15868399999999999,0.19096199999999999,0.27859099999999998,7.8560000000000005E-2,0.102783]
["  Diluted EPS before Extra",0.29386000000000001,0.18151200000000001,0.24562500000000001,0.27597100000000002,8.1783999999999996E-2,0.104334]
["  Dividend per Share","NA","NA",2.2727000000000001E-2,8.8880000000000001E-3,"NA","NA"]
["  Gross Loans",0.36319699999999999,0.10158399999999999,0.25212499999999999,0.312305,0.27124900000000002,0.26608100000000001]
["  Allowance for Loan Losses",0.61852300000000004,0.55470900000000001,-9.1087000000000001E-2,-2.2485999999999999E-2,6.3508999999999996E-2,0.15523799999999999]
["  Net Loans",0.35783100000000001,9.0221999999999997E-2,0.26260800000000001,0.32080999999999998,0.27501599999999998,0.26796799999999998]
["  Non Performing Loans",7.5729999999999999E-3,0.33832099999999998,9.9515999999999993E-2,"NA","NA","NA"]
["  Non Performing Assets",7.5729999999999999E-3,0.33832099999999998,9.9515999999999993E-2,"NA","NA","NA"]
["  Total Assets",0.126441,0.149947,0.14882300000000001,0.177206,0.15994800000000001,0.11657099999999999]
["  Total Deposits",0.116817,0.15943399999999999,0.13469800000000001,0.16392100000000001,0.14002400000000001,9.4702999999999996E-2]
["  Tangible Book Value",0.13881299999999999,0.196628,0.22440299999999999,0.23147300000000001,0.23388500000000001,0.27622000000000002]
["  Avg. Interest Earning Assets","NA","NA","NA","NA","NA","NA"]
["  Avg. Interest Bearing Liabilities","NA","NA","NA","NA","NA","NA"]
["  Common Equity",0.13881299999999999,0.196628,0.22440299999999999,0.23147300000000001,0.23388500000000001,0.27622000000000002]
["  Total Equity",0.13881299999999999,0.196628,0.22440299999999999,0.23218900000000001,0.23486099999999999,0.27715600000000001]
[]
["Compound Annual Growth Rate Over Two Years"]
["  Net Interest Income",0.13858100000000001,0.24745,5.2616000000000003E-2,0.13353699999999999,0.28127999999999997,0.26430999999999999]
["  Non Interest Income",0.29055500000000001,-1.4936E-2,0.313226,0.37425399999999998,-7.3663000000000006E-2,-3.4770000000000002E-2]
["  Provision for Loan Losses",0.75648099999999996,-0.71424100000000001,-0.38785900000000001,5.0228390000000003,-0.128994,-6.3704999999999998E-2]
["  Total Revenue",0.13867399999999999,0.18931000000000001,0.17977499999999999,0.17049,0.16742699999999999,0.17880299999999999]
["  Earnings from Cont. Ops.",0.16678799999999999,0.23139799999999999,0.21160300000000001,0.26061899999999999,0.17559,0.198794]
["  Net Income",0.16680400000000001,0.23139799999999999,0.21160300000000001,0.26070700000000002,0.17575299999999999,0.19886499999999999]
["  Normalized Net Income",0.12809000000000001,0.18207999999999999,0.17471200000000001,0.23399900000000001,0.17432400000000001,0.19933200000000001]
["  Diluted EPS before Extra",0.17108999999999999,0.23641100000000001,0.213145,0.26070700000000002,0.174873,0.19669300000000001]
["  Dividend per Share","NA",9.9449999999999997E-2,"NA",1.5783999999999999E-2,"NA","NA"]
["  Gross Loans",0.352107,0.22542899999999999,0.17444499999999999,0.281862,0.29161399999999998,0.32685900000000001]
["  Allowance for Loan Losses",0.25695899999999999,0.58629500000000001,0.18873699999999999,-5.7410000000000003E-2,1.9605999999999998E-2,6.1658999999999999E-2]
["  Net Loans",0.35480699999999998,0.21669099999999999,0.17325299999999999,0.291381,0.297711,0.33284399999999997]
["  Non Performing Loans",-8.0937999999999996E-2,0.16123100000000001,0.213056,"NA","NA","NA"]
["  Non Performing Assets",-8.0937999999999996E-2,0.16123100000000001,0.213056,"NA","NA","NA"]
["  Total Assets",0.17854999999999999,0.13813300000000001,0.14938499999999999,0.16292899999999999,0.168546,0.17070399999999999]
["  Total Deposits",0.18043300000000001,0.13792699999999999,0.14699999999999999,0.14921699999999999,0.15191099999999999,0.153558]
["  Tangible Book Value",0.13510900000000001,0.16736300000000001,0.21043600000000001,0.227934,0.232679,0.25194100000000003]
["  Avg. Interest Earning Assets","NA","NA","NA","NA","NA","NA"]
["  Avg. Interest Bearing Liabilities","NA","NA","NA","NA","NA","NA"]
["  Common Equity",0.13510900000000001,0.16736300000000001,0.21043600000000001,0.227934,0.232679,0.25194100000000003]
["  Total Equity",0.13506599999999999,0.16736300000000001,0.21043600000000001,0.22829099999999999,0.23352500000000001,0.25276100000000001]
[]
["Compound Annual Growth Rate Over Three Years"]
["  Net Interest Income",0.170379,0.15978999999999999,0.12734999999999999,0.156362,0.14764099999999999,0.19825999999999999]
["  Non Interest Income",0.230458,6.5961000000000006E-2,0.32021699999999997,0.111566,0.26720899999999997,0.200429]
["  Provision for Loan Losses",0.69545400000000002,-0.69958200000000004,0.51565499999999997,-0.31687100000000001,2.1862550000000001,"NM"]
["  Total Revenue",0.15632799999999999,0.15775800000000001,0.18044199999999999,0.179225,0.16591800000000001,0.18015]
["  Earnings from Cont. Ops.",0.17094999999999999,0.170683,0.236123,0.23263300000000001,0.198486,0.200935]
["  Net Income",0.17097999999999999,0.17069300000000001,0.236123,0.23269000000000001,0.198597,0.20098299999999999]
["  Normalized Net Income",0.14646400000000001,0.13819699999999999,0.185034,0.20836499999999999,0.179844,0.181815]
["  Diluted EPS before Extra",0.17436499999999999,0.17455399999999999,0.23947499999999999,0.233736,0.19799900000000001,0.19953100000000001]
["  Dividend per Share","NA",8.9744000000000004E-2,7.3257000000000003E-2,"NA","NA","NA"]
["  Gross Loans",0.27658199999999999,0.26283499999999999,0.234264,0.21870899999999999,0.27831499999999998,0.30070599999999997]
["  Allowance for Loan Losses",0.265625,0.34926499999999999,0.31753900000000002,0.113692,-1.8714000000000001E-2,6.1393000000000003E-2]
["  Net Loans",0.27686100000000002,0.26015300000000002,0.23180799999999999,0.22051000000000001,0.28590300000000002,0.306699]
["  Non Performing Loans","NA",4.1717999999999998E-2,0.14028399999999999,"NA","NA","NA"]
["  Non Performing Assets","NA",4.1717999999999998E-2,0.14028399999999999,"NA","NA","NA"]
["  Total Assets",0.17811299999999999,0.168937,0.14168600000000001,0.158585,0.16193399999999999,0.16329299999999999]
["  Total Deposits",0.18038899999999999,0.17339199999999999,0.13685,0.152613,0.146145,0.14833099999999999]
["  Tangible Book Value",0.136771,0.15525600000000001,0.18607499999999999,0.21740899999999999,0.22991400000000001,0.23750599999999999]
["  Avg. Interest Earning Assets","NA","NA","NA","NA","NA","NA"]
["  Avg. Interest Bearing Liabilities","NA","NA","NA","NA","NA","NA"]
["  Common Equity",0.136771,0.15525600000000001,0.18607499999999999,0.21740899999999999,0.22991400000000001,0.23750599999999999]
["  Total Equity",0.13674,0.155227,0.18607499999999999,0.21764500000000001,0.23047699999999999,0.23804600000000001]
[]
["Compound Annual Growth Rate Over Five Years"]
["  Net Interest Income",0.179558,0.17399899999999999,0.12177,0.14921699999999999,0.18656900000000001,0.19231599999999999]
["  Non Interest Income",0.22736300000000001,9.9368999999999999E-2,0.26291999999999999,0.17997199999999999,0.145763,0.14307]
["  Provision for Loan Losses",0.72921000000000002,-0.40622999999999998,0.12800900000000001,-3.313E-3,0.214419,0.213837]
["  Total Revenue",0.169018,0.16284299999999999,0.16565099999999999,0.16283400000000001,0.17521900000000001,0.17844399999999999]
["  Earnings from Cont. Ops.",0.19292200000000001,0.163276,0.18704499999999999,0.20585999999999999,0.21154400000000001,0.21868399999999999]
["  Net Income",0.192935,0.16329199999999999,0.18706300000000001,0.205901,0.21161199999999999,0.21871299999999999]
["  Normalized Net Income",0.197159,0.14585100000000001,0.15768099999999999,0.175592,0.18073800000000001,0.18725800000000001]
["  Diluted EPS before Extra",0.192634,0.16623499999999999,0.18972600000000001,0.208285,0.21321799999999999,0.21960099999999999]
["  Dividend per Share","NA",0.110953,9.9540000000000003E-2,5.9534999999999998E-2,"NA","NA"]
["  Gross Loans",0.309137,0.25161899999999998,0.23470199999999999,0.27041199999999999,0.25689200000000001,0.25956600000000002]
["  Allowance for Loan Losses",25.271000000000001,31.5504,23.428999999999998,16.892700000000001,18.913499999999999,20.560099999999998]
["  Net Loans",0.31076100000000001,0.24965599999999999,0.23436299999999999,0.27255299999999999,0.25775799999999999,0.26017899999999999]
["  Non Performing Loans",-0.1,11.8698,"NA","NA","NA","NA"]
["  Non Performing Assets",-1.3680000000000001E-3,0.118698,"NA","NA","NA","NA"]
["  Total Assets",0.13004299999999999,0.13614799999999999,0.16653699999999999,0.16653000000000001,0.15235499999999999,0.15845000000000001]
["  Total Deposits",0.12551200000000001,0.13411000000000001,0.16691800000000001,0.163661,0.14285,0.14825199999999999]
["  Tangible Book Value",0.13017200000000001,0.14874699999999999,0.165683,0.18379599999999999,0.20450099999999999,0.21521100000000001]
["  Avg. Interest Earning Assets","NA","NA","NA","NA","NA","NA"]
["  Avg. Interest Bearing Liabilities","NA","NA","NA","NA","NA","NA"]
["  Common Equity",0.13017200000000001,0.14874699999999999,0.165683,0.18379599999999999,0.20450099999999999,0.21521100000000001]
["  Total Equity",0.130158,0.148731,0.16566500000000001,0.183916,0.20483199999999999,0.215529]
["\n               \n               \n               \n               \n               "]

{"sheet":"Supplemental","index":15,"n_rows":21,"n_cols":7,"rows_kept":21,"cut":false,"hidden":false,"merged":[]}
[]
[]
[]
[]
["PT Bank Central Asia Tbk (JKSE:BBCA) > Financials > Supplemental"]
[]
["In Millions of the reported currency, except per share items.","Restatement:","Latest Filings"," ","Period Type:","Annual"]
[null,"Currency:","Reported Currency"," ","Conversion:","Today's Spot Rate"]
[null,"Order:","Latest on Right"," ","Units:","S&P Capital IQ (Default)"]
[null,"Decimals:","Capital IQ (Default)"," "]
[]
[]
["Supplemental"]
["For the Fiscal Period Ending\n","12 months\nDec-31-2007","12 months\nDec-31-2008","12 months\nDec-31-2009","12 months\nDec-31-2010","12 months\nDec-31-2011","12 months\nDec-31-2012"]
["Currency","IDR","IDR","IDR","IDR","IDR","IDR"]
["Fair Value Measurements"]
["Fair Value Change Included in Earnings","-","-",69573,-13809,"-","-"]
[]
[null," "," "," "," "," "," "]
["Filing Date","2009-03-01","2010-03-05","2011-03-01","2013-02-20","2013-03-28","2013-03-28"]
["\n               \n               \n               \n               \n               "]

{"sheet":"Industry Specific","index":16,"n_rows":89,"n_cols":7,"rows_kept":89,"cut":false,"hidden":false,"merged":[]}
[]
[]
[]
[]
["PT Bank Central Asia Tbk (JKSE:BBCA) > Financials > Industry Specific"]
[]
["In Millions of the reported currency, except per share items.","Restatement:","Latest Filings"," ","Period Type:","Annual"]
[null,"Currency:","Reported Currency"," ","Conversion:","Today's Spot Rate"]
[null,"Order:","Latest on Right"," ","Units:","S&P Capital IQ (Default)"]
[null,"Decimals:","Capital IQ (Default)"," "]
[]
[]
["Industry Specific"]
["For the Fiscal Period Ending\n","12 months\nDec-31-2007","12 months\nDec-31-2008","12 months\nDec-31-2009","12 months\nDec-31-2010","12 months\nDec-31-2011","12 months\nDec-31-2012"]
["Currency","IDR","IDR","IDR","IDR","IDR","IDR"]
["Capital Requirement and Financial Strength"]
["Tier 1 Capital",17095742,20215658,21670983,25920836,"-","-"]
["Tier 2 Capital",2296615,1677006,1161603,1801332,"-","-"]
["Total Capital",18590263,20876066,22832586,27722168,"-","-"]
[]
["Earning Assets and Liabilities"]
["Risk Adjusted Assets",96705929,132276897,148967979,205349477,"-","-"]
["Net Interest Margin %",6.1,6.6,6.4,5.3,"-","-"]
["Efficiency Ratio",66.7,66.8,68.7,"-","-","-"]
[]
["Non-Performing Loans and Assets"]
["Restructured Loans",89969,"-","-","-","-","-"]
["Non Performing Loans",669697,674769,903058,992927,"-","-"]
["Non Performing Assets",669697,674769,903058,992927,"-","-"]
["Credit Exposure","-","-",278457478,385509196,"-","-"]
[]
["Charge-Offs"]
["Charge-Offs - Gross",-214036,-147592,-345849,-254341,"-","-"]
["Charge-Offs - Recovered",11517,13006,61294,56203,"-","-"]
["Charge-Offs - Net",-202519,-134586,-284555,-198138,"-","-"]
[]
["Composition of Loans"]
["Commercial Loans",49453427,99334220,107706995,128096366,"-","-"]
["Consumer Loans",16689594,1409286,1944439,3013929,"-","-"]
["Construction Loans","-",3278017,3602983,3472224,"-","-"]
["Lease Finance",27737,11532,2158,4884,"-","-"]
["Other Loans",17593505,22133122,28676366,38582042,"-","-"]
["Total Loans",83764263,126166177,141932941,173169445,"-","-"]
[]
["Domestic Loans",83764263,126166177,141932941,173169445,"-","-"]
["Impaired Loans","-","-","-",123233723,"-","-"]
["Vehicle Loans","-",7856000,"-",13473000,"-","-"]
["Commercial Loans / Total Loans %",0.59038800000000002,0.78732800000000003,0.75885800000000003,0.73971600000000004,"-","-"]
["Construction Loans / Total Loans %","-",2.5981000000000001E-2,2.5385000000000001E-2,2.0050999999999999E-2,"-","-"]
["Total Consumer Loans / Total Loans %",0.199244,1.1169999999999999E-2,1.3698999999999999E-2,1.7403999999999999E-2,"-","-"]
["Auto Loans / Total Loans %","-",6.2267000000000003E-2,"-",7.7801999999999996E-2,"-","-"]
["Total Real Estate Loans / Total Loans %","-",2.5981000000000001E-2,2.5385000000000001E-2,2.0050999999999999E-2,"-","-"]
["Other Loans / Total Loans %",0.210035,0.175428,0.202041,0.222799,"-","-"]
[]
["Composition of Deposits"]
["Demand Deposits",44502609,48788838,54076706,66826129,"-","-"]
["Saving Deposits",94772219,111774079,128137595,145553043,"-","-"]
["Time Deposits",50506390,53014146,65414352,68144548,"-","-"]
["Other Deposits","-","-","-",460165,"-","-"]
["Total Deposits",189781218,213577063,247628653,280983885,"-","-"]
[]
["Domestic Deposits",189781218,213577063,247628653,280983885,"-","-"]
["Non-CD Deposits",139274828,160562917,182214301,212379172,"-","-"]
[]
["Savings Account Deposits / Total Deposits %",0.49937599999999999,0.523343,0.51745799999999997,0.51801200000000003,"-","-"]
["Money Market and Savings Account Deposits / Total Deposits %",0.49937599999999999,0.523343,0.51745799999999997,0.51801200000000003,"-","-"]
["Total Time Deposits / Total Deposits %",0.266129,0.24822,0.26416299999999998,0.24252099999999999,"-","-"]
["Other Deposits / Total Deposits %","-","-","-",1.637E-3,"-","-"]
["Non-CDs / Total Deposits %",0.73387000000000002,0.75177899999999998,0.73583600000000005,0.75584099999999999,"-","-"]
[]
["Cost of Funds"]
["Cost of Total Borrowings %",4.1000000000000002E-2,"-",3.5999999999999997E-2,0.03,"-","-"]
[]
["Number of Customer Accounts (AUM)"]
["Other","-","-","-",9000000,10000000,"-"]
["Total","-","-","-",9000000,10000000,"-"]
[]
["Other Data"]
["Assets Under Administration",8672564,"-","-","-","-","-"]
[]
["Interbank Data"]
["Federal Funds Sold and Related Transactions with Other Banks","-",7909406,11903845,2650726,2499443,4483354]
["Securities Purchased Under Agreements to Resell","-","-",669336,3136335,21201164,34448535]
["Federal Funds Purchased and Related Transactions with Other Banks","-",4158059,2908574,3327833,3684684,2457419]
["Securities Sold Under Agreements to Repurchase","-",49892,"-","-","-","-"]
[]
[null," "," "," "," "," "," "]
["Filing Date","2009-03-01","2010-03-05","2011-03-01","2013-02-20","2013-03-28","2013-03-28"]
["\n               \n               \n               \n               \n               "]

{"sheet":"Pension OPEB","index":17,"n_rows":66,"n_cols":7,"rows_kept":66,"cut":false,"hidden":false,"merged":[]}
[]
[]
[]
[]
["PT Bank Central Asia Tbk (JKSE:BBCA) > Financials > Pension/OPEB"]
[]
["In Millions of the reported currency, except per share items.","Restatement:","Latest Filings"," ","Period Type:","Annual"]
[null,"Currency:","Reported Currency"," ","Conversion:","Today's Spot Rate"]
[null,"Order:","Latest on Right"," ","Units:","S&P Capital IQ (Default)"]
[null,"Decimals:","Capital IQ (Default)"," "]
[]
[]
["Pension/OPEB"]
["For the Fiscal Period Ending\n","12 months\nDec-31-2007","12 months\nDec-31-2008","12 months\nDec-31-2009","12 months\nDec-31-2010","12 months\nDec-31-2011","12 months\nDec-31-2012"]
["Currency","IDR","IDR","IDR","IDR","IDR","IDR"]
["Pension Information - Total"]
["Defined Benefit Net Periodic Cost"]
["Def. Benefit Service Cost",71768,75886,231930,188118,"-","-"]
["Def. Benefit Plan Interest Cost",117451,110550,341387,269563,"-","-"]
["Def. Benefit Plan Other Cost",42087,39418,140510,81632,"-","-"]
["Def. Benefit Plan Total Cost",231306,225854,713827,539313,"-","-"]
[]
["Total Pension Expense",231306,225854,713827,539313,"-","-"]
[]
["Defined Benefit Obligation"]
["Proj. Benefit Obligation (Pension)",1142263,1181319,2450576,3322901,"-","-"]
[]
["Weighted Avg. Assumptions on Def. Benefit Obligation"]
["PBO Assumed Rate of Return - Min",0.1,0.12,0.11,0.09,"-","-"]
["PBO Assumed Rate of Return - Max",0.1,0.12,0.11,0.09,"-","-"]
["Rate of PBO Compensation Increase - Min",0.08,0.12,0.08,0.08,"-","-"]
["Rate of PBO Compensation Increase - Max",0.08,0.12,0.08,0.08,"-","-"]
[]
["Adj. for Liability Recognized on Balance Sheet"]
["Unrecog. Prior Plan Service Cost",237510,211266,472805,527098,"-","-"]
["Other Adj. (Net Benefit Asset/Liab.)",273564,177450,587012,1068787,"-","-"]
["Net Asset/Liability Recognized on Balance Sheet",-631189,-792603,-1390759,-1727016,"-","-"]
[]
["Other Pension Related Items"]
["Benefit Info Date","-","-","2010-02-16","-","2012-02-27","-"]
[]
["Pension Information - Domestic"]
["Defined Benefit Net Periodic Cost"]
["Def. Benefit Service Cost ",71768,75886,231930,188118,"-","-"]
["Def. Benefit Interest Cost ",117451,110550,341387,269563,"-","-"]
["Def. Benefit Other Cost ",42087,39418,140510,81632,"-","-"]
["Def. Benefit Total Cost ",231306,225854,713827,539313,"-","-"]
[]
["Defined Benefit Obligation"]
["Proj. Benefit Obligation (Pension) - Domestic",1142263,1181319,2450576,3322901,"-","-"]
[]
["Weighted Avg. Assumptions on Def. Benefit Obligation"]
["PBO Assumed Rate of Return - Min ",0.1,0.12,0.11,0.09,"-","-"]
["PBO Assumed Rate of Return - Max ",0.1,0.12,0.11,0.09,"-","-"]
["Rate of PBO Compensation Increase - Min ",0.08,0.12,0.08,0.08,"-","-"]
["Rate of PBO Compensation Increase - Max ",0.08,0.12,0.08,0.08,"-","-"]
[]
["Adj. for Liability Recognized on Balance Sheet"]
["Unrecog. Prior Plan Service Cost ",237510,211266,472805,527098,"-","-"]
["Other Adj. (Net Benefit Asset/Liab.) ",273564,177450,587012,1068787,"-","-"]
["Net Asset/Liability Recognized on Balance Sheet ",-631189,-792603,-1390759,-1727016,"-","-"]
[]
["Other Pension Related Items"]
["Benefit Info Date","-","-","2010-02-16","-","2012-02-27","-"]
[]
["\n               \n               \n               \n               \n               "]

{"sheet":"Segments","index":18,"n_rows":90,"n_cols":7,"rows_kept":90,"cut":false,"hidden":false,"merged":[]}
[]
[]
[]
[]
["PT Bank Central Asia Tbk (JKSE:BBCA) > Financials > Segments"]
[]
["In Millions of the reported currency.","View By:","Line Items"," ","Restatement:","Latest Filings"]
[null,"Period Type:","Annual"," ","Order:","Latest on Right"]
[null,"Currency:","Reported Currency"," ","Conversion:","Today's Spot Rate"]
[null,"Units:","S&P Capital IQ (Default)"," ","Decimals:","Capital IQ (Default)"]
[]
[]
["Business Segments"]
["For the Fiscal Period Ending\n","Reclassified\n12 months\nDec-31-2007","Reclassified\n12 months\nDec-31-2008","Reclassified\n12 months\nDec-31-2009","12 months\nDec-31-2010","Reclassified\n12 months\nDec-31-2011","12 months\nDec-31-2012"]
["Currency","IDR","IDR","IDR","IDR","IDR","IDR"]
["Revenues"]
["Loan",7662366,10468654,13104080,14771330,17523854,22392720]
["Treasury",8444948,8495546,9392224,7254952,9833513,8346094]
["Others",2216552,2841583,3722372,3943378,4492836,5334469]
["  Total Revenues",18323866,21805783,26218676,25969660,31850203,36073283]
[]
["Assets"]
["Loan",80702481,110026861,119595661,150016746,198440354,252760457]
["Treasury",120214491,112437248,141344211,149580858,154455758,152280908]
["Others",17088036,23105747,21452452,24821465,29012241,37952832]
["  Total Assets",218005008,245569856,282392324,324419069,381908353,442994197]
[]
[null," "," "," "," "," "," "]
["Filing Date","2009-03-01","2010-03-05","2011-03-01","2013-02-20","2013-03-28","2013-03-28"]
[]
[]
["Geographic Segments"]
["For the Fiscal Period Ending\n","Reclassified\n12 months\nDec-31-2007","Reclassified\n12 months\nDec-31-2008","Reclassified\n12 months\nDec-31-2009","12 months\nDec-31-2010","Reclassified\n12 months\nDec-31-2011","12 months\nDec-31-2012"]
["Currency","IDR","IDR","IDR","IDR","IDR","IDR"]
["Revenues"]
["Sumatera",675652,890142,1077394,1085345,1445176,1751088]
["Java",11081653,12915936,17645278,17812707,21441011,24265595]
["Kalimantan",174440,245196,317749,352201,478761,578801]
["Eastern Indonesia",343846,452011,584243,607764,798919,945641]
["Overseas",31481,29102,34196,34079,46153,4639]
["  Total Revenues",12307072,14532387,19658860,19892096,24210020,27545764]
[]
["Operating Profit Before Tax"]
["Sumatera","-","-",-305714,487127,883507,1081596]
["Java","-","-",9107166,9455247,11650760,12258893]
["Kalimantan","-","-",-117212,209305,317061,371320]
["Eastern Indonesia","-","-",-38953,248088,473523,565734]
["Overseas","-","-",9404,423,-28076,-21975]
["  Total Operating Profit Before Tax","-","-",8654691,10400190,13296775,14255568]
[]
["Interest Expense"]
["Sumatera",-541410,-564402,-660879,-620220,-620689,-577613]
["Java",-5800584,-5930993,-6838764,-6594082,-6570769,-6552345]
["Kalimantan",-166349,-180418,-215329,-207027,-220123,-201669]
["Eastern Indonesia",-239733,-269020,-318209,-302445,-318576,-315540]
["  Total Interest Expense",-6748076,-6944833,-8033181,-7723774,-7730157,-7647167]
[]
["Net Profit Before Tax"]
["Sumatera",343785,512750,581186,497463,892997,1083847]
["Java",5791043,6813498,7887444,9687747,11947837,12681694]
["Kalimantan",81848,137727,155971,210556,320239,369018]
["Eastern Indonesia",169768,247402,311090,251462,480637,571489]
["Overseas",15186,8666,9401,6041,-22952,-20002]
["  Total Net Profit Before Tax",6401630,7720043,8945092,10653269,13618758,14686046]
[]
["Tax Expense"]
["Java",1910218,"-","-","-","-","-"]
["Overseas",2160,"-","-","-","-","-"]
["  Total Tax Expense",1912378,"-","-","-","-","-"]
[]
["Assets"]
["Sumatera",5110976,18634457,6184592,8690486,28785197,33332496]
["Java",208445002,211884808,269473365,305947913,327946220,381583099]
["Kalimantan",1381127,5810827,2067907,3281828,10466806,11095133]
["Eastern Indonesia",2696932,8802514,4293989,6130877,14369868,16635258]
["Overseas",370971,437250,372471,367965,340262,348211]
["  Total Assets",218005008,245569856,282392324,324419069,381908353,442994197]
[]
["Depreciation & Amortization"]
["Sumatera","-","-","-","-",18418,19005]
["Java","-","-","-","-",705931,824532]
["Kalimantan","-","-","-","-",7106,7511]
["Eastern Indonesia","-","-","-","-",9885,12528]
["Overseas","-","-","-","-",1497,991]
["  Total Depreciation & Amortization","-","-","-","-",742837,864567]
[]
[null," "," "," "," "," "," "]
["Filing Date","2009-03-01","2010-03-05","2011-03-01","2013-02-20","2013-03-28","2013-03-28"]
[]
["\n               \n               \n               \n               \n               "]