Cash flow Banco de Sabadell, S.A.

Stocks

SAB

ES0113860A34

Banks

Market Closed - BME Other stock markets 23:36:37 10/07/2026 HKT			5-day change	1st Jan Change
3.219 ^EUR	+1.29%		+1.10%	-4.34%

07-10	The IBEX 35 opens with a modest rebound, but keeps a bearish weekly bias	RE
07-09	RBC Updates Model for Banco Sabadell Ahead of Q2 Results	MT

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Published financial data: BANCO DE SABADELL, S.A.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	3.73B	4.5B	7.77B	8.67B	5.69B
Interest Income On Investments	414M	491M	896M	1.05B	499M
Interest Income, Total	4.15B	4.99B	8.67B	9.72B	6.19B
Interest On Deposits	722M	1.19B	3.94B	4.69B	2.65B
Interest Expense, Total	722M	1.19B	3.94B	4.69B	2.65B
Net Interest Income	3.43B	3.8B	4.73B	5.03B	3.54B
Income From Trading Activities	-184M	205M	122M	-231M	645M
Gain (Loss) on Sale of Assets	-7.39M	-27.8M	-59.96M	-36.39M	-1.48M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	27.46M	17.33M	27.74M	21.45M	6.01M
Income (Loss) on Equity Invest. (Income Block)	100M	122M	123M	160M	177M
Total Other Non Interest Income	1.34B	1.04B	850M	1.36B	487M
Non Interest Income, Total	1.27B	1.36B	1.06B	1.27B	1.31B
Revenues Before Provison For Loan Losses	4.7B	5.16B	5.79B	6.3B	4.85B
Provision For Loan Losses	636M	849M	809M	587M	444M
Total Revenues	4.06B	4.31B	4.99B	5.71B	4.41B
Salaries And Other Employee Benefits	1.47B	1.39B	1.46B	1.51B	1.2B
Amort. of Goodwill & Intang. Assets	-	-	-	-	-
Occupancy Expense	527M	545M	519M	501M	421M
Selling General & Admin Expenses, Total	878M	837M	891M	936M	542M
Total Other Non Interest Expense	124M	190M	133M	219M	147M
Non Interest Expense, Total	3B	2.96B	3B	3.17B	2.31B
EBT, Excl. Unusual Items	1.06B	1.35B	1.98B	2.54B	2.1B
Restructuring Charges	-298M	-	-26.41M	-10.28M	-
Impairment of Goodwill	-	-	-	-	-
Asset Writedown	-104M	-65.9M	-58.66M	-61.51M	-56.02M
Legal Settlements	-39.61M	-45.21M	-4.56M	45.91M	38.56M
Other Unusual Items	-	-	-	-	-
EBT, Incl. Unusual Items	620M	1.24B	1.89B	2.51B	2.08B
Income Tax Expense	81.28M	373M	557M	685M	685M
Earnings From Continuing Operations	539M	869M	1.33B	1.83B	1.39B
Earnings Of Discontinued Operations	-	-	-	-	383M
Net Income to Company	539M	869M	1.33B	1.83B	1.78B
Minority Interest	-8.47M	-10.75M	-1.42M	-1.82M	-1.8M
Net Income - (IS)	530M	859M	1.33B	1.83B	1.78B
Preferred Dividend and Other Adjustments	101M	110M	115M	98.16M	146M
Net Income to Common Incl Extra Items	430M	748M	1.22B	1.73B	1.63B
Net Income to Common Excl. Extra Items	430M	748M	1.22B	1.73B	1.25B
Per Share Items
Net EPS - Basic	0.08	0.13	0.23	0.32	0.32
Basic EPS - Continuing Operations	0.08	0.13	0.23	0.32	0.24
Basic Weighted Average Shares Outstanding	5.59B	5.59B	5.4B	5.38B	5.15B
Net EPS - Diluted	0.08	0.13	0.23	0.32	0.32
Diluted EPS - Continuing Operations	0.08	0.13	0.23	0.32	0.24
Diluted Weighted Average Shares Outstanding	5.59B	5.59B	5.4B	5.38B	5.15B
Normalized Basic EPS	0.12	0.15	0.23	0.29	0.25
Normalized Diluted EPS	0.12	0.15	0.23	0.29	0.25
Dividend Per Share	0.03	0.04	0.06	0.2	-
Payout Ratio	-	32.71	20.55	32.37	76.97
American Depositary Receipts Ratio (ADR)	2	2	2	2	2
Supplemental Items
Effective Tax Rate - (Ratio)	13.11	30.04	29.47	27.26	32.96
Total Current Taxes	126M	-	-	-	-
Total Deferred Taxes	-49.71M	-	-	-	-
Normalized Net Income	655M	835M	1.24B	1.59B	1.31B
Non-Cash Pension Expense	3.94M	3.17M	6.19M	4.34M	3.23M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	3.96M	4.92M	6.19M	6.46M	5.27M
Total Stock-Based Compensation	3.96M	4.92M	6.19M	6.46M	5.27M

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	1.47B	2.02B	1.42B	1.28B	1.37B
Investment Securities, Total	22.78B	27.85B	28.4B	43.19B	44.76B
Trading Asset Securities, Total	2.49B	5.54B	4.56B	5.42B	3.56B
Total investments	25.27B	33.39B	32.97B	48.61B	48.31B
Gross Loans	167B	167B	163B	163B	124B
Allowance For Loan Losses	-3.3B	-3.02B	-3.2B	-2.85B	-2.36B
Other Adjustments to Gross Loans	-153M	-184M	-241M	-242M	-209M
Net Loans	164B	164B	159B	160B	121B
Gross Property Plant And Equipment	4.1B	4.04B	3.89B	3.91B	3.41B
Accumulated Depreciation	-1.71B	-1.75B	-1.82B	-1.99B	-1.81B
Net Property Plant And Equipment	2.4B	2.28B	2.07B	1.92B	1.6B
Goodwill	1.03B	1.03B	1.02B	1.02B	1.03B
Other Intangibles, Total	1.55B	1.46B	1.46B	1.53B	1.47B
Investment in Real Estate	379M	300M	230M	157M	133M
Accrued Interest Receivable	58M	51.61M	71.93M	93.19M	94.86M
Other Receivables	320M	207M	452M	541M	485M
Restricted Cash	47.74B	39.24B	28.57B	17.11B	11.03B
Other Current Assets, Total	348M	295M	306M	301M	52.15B
Deferred Tax Assets Long-Term (Collected)	6.71B	6.64B	6.39B	5.9B	5.61B
Other Real Estate Owned And Foreclosed	573M	537M	527M	461M	429M
Other Long-Term Assets, Total	477M	386M	374M	381M	277M
Total Assets	252B	251B	235B	240B	245B
Liabilities
Accrued Expenses, Total	-	-	-	482M	365M
Interest Bearing Deposits	55.28B	46.78B	37.84B	35.16B	25.69B
Non-Interest Bearing Deposits	148B	148B	134B	138B	110B
Total Deposits	203B	195B	172B	174B	135B
Short-Term Borrowings	7.74B	13.05B	15.68B	15.39B	20.62B
Long-Term Debt	22.09B	22.49B	25.02B	27.52B	19.8B
Long-Term Leases	1.04B	969M	947M	929M	709M
Current Income Taxes Payable	81.16M	113M	218M	98.15M	195M
Other Current Liabilities - (Bank / Utility Template)	2.94B	4.58B	4.87B	4.8B	52.96B
Pension & Other Post Retirement Benefits	86.02M	63.38M	58.31M	54.47M	49.94M
Deferred Tax Liability Non-Current	124M	114M	115M	121M	121M
Other Non Current Liabilities	1.76B	2.07B	2.3B	1.68B	1.23B
Total Liabilities	239B	238B	221B	225B	231B
Common Stock, Total	703M	703M	680M	680M	628M
Additional Paid In Capital	7.9B	7.9B	7.7B	7.7B	6.6B
Retained Earnings	5.97B	6.61B	7.57B	8.77B	9.21B
Treasury Stock	-34.52M	-23.77M	-39.62M	-119M	-25.88M
Comprehensive Income and Other	-1.57B	-1.99B	-2.06B	-2.03B	-2.37B
Total Common Equity	12.97B	13.19B	13.84B	15B	14.05B
Minority Interest	24.98M	34.34M	34.21M	34.42M	34.6M
Total Equity	13B	13.22B	13.88B	15.03B	14.08B
Total Liabilities And Equity	252B	251B	235B	240B	245B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	5.59B	5.6B	5.4B	5.36B	4.97B
ECS Total Common Shares Outstanding	5.59B	5.6B	5.4B	5.36B	4.97B
Book Value / Share	2.32	2.35	2.56	2.8	2.83
Tangible Book Value	10.39B	10.71B	11.36B	12.45B	11.55B
Tangible Book Value Per Share	1.86	1.91	2.1	2.32	2.32
Tangible Book Value Per Share (As Reported)	1.92	2.03	2.2	2.39	2.4
Average Assets	245B	258B	245B	242B	245B
Average Loans	152B	158B	154B	154B	159B
Total Debt	30.87B	36.51B	41.66B	43.83B	41.13B
Deposits at Interest - Cash	47.74B	39.24B	28.57B	17.11B	11.03B
Debt Equivalent of Unfunded Proj. Benefit Obligation	86.67M	63.55M	58.38M	54.51M	49.97M
Net Debt	26.91B	28.94B	35.66B	25.89B	25.01B
Equity Method Investments, Total	639M	515M	463M	525M	482M
Full Time Employees	19.88K	18.71K	19.15K	18.58K	18.48K
Number Of Offices	1.59K	1.46K	1.42K	1.35K	1.34K
Assets on Operating Lease - Gross	5.38M	20.95M	22.81M	15.38M	-
Assets on Operating Lease - Accumulated Depreciation	-2.59M	-11.6M	-13.76M	-11.76M	-

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	530M	859M	1.33B	1.83B	1.78B
Depreciation, Depletion & Amortization	296M	286M	263M	253M	294M
Amortization of Goodwill and Intangible Assets - (CF)	230M	259M	256M	248M	222M
Total Depreciation, Depletion & Amortization	527M	545M	519M	501M	516M
Change in Trading Asset Securities	525M	-1.13B	879M	-832M	-49.37M
Change in Other Net Operating Assets (Collected)	9.5B	-8.15B	-14.24B	-13.46B	-1.29B
Other Operating Activities	1.26B	1.25B	986M	896M	731M
Cash from Operations	12.34B	-6.63B	-10.52B	-11.07B	1.68B
Capital Expenditure	-226M	-239M	-236M	-201M	-298M
Sale of Property, Plant, and Equipment	445M	96.55M	123M	120M	52.23M
Cash Acquisitions	-	-	-	-	-2.78M
Divestitures	-	-	-	-	-
Purchase / Sale of Intangible Assets	-276M	-195M	-296M	-346M	-312M
Sale (Purchase) of Real Estate Properties (Collected)	-	-	-	-	-
Investment in Marketable and Equity Securities, Total	59.17M	209M	27.31M	101M	216M
Other Investing Activities, Total	418M	63.68M	220M	80.94M	107M
Cash from Investing	420M	-64.8M	-163M	-246M	-238M
Long-Term Debt Issued, Total	1.75B	-	1B	500M	1B
Total Debt Issued	1.75B	-	1B	500M	1B
Long-Term Debt Repaid, Total	-443M	-750M	-900M	-	-800M
Total Debt Repaid	-443M	-750M	-900M	-	-800M
Issuance of Common Stock	68.31M	102M	59.82M	35.42M	35.72M
Repurchase of Common Stock	-64.38M	-86.46M	-276M	-114M	-1.04B
Common Dividends Paid	-	-281M	-274M	-591M	-1.37B
Common & Preferred Stock Dividends Paid	-	-281M	-274M	-591M	-1.37B
Other Financing Activities, Total	-215M	-221M	-227M	-213M	-253M
Cash from Financing	1.1B	-1.24B	-617M	-382M	-2.42B
Foreign Exchange Rate Adjustments	175M	-23.2M	28.78M	95.93M	-197M
Miscellaneous Cash Flow Adjustments	-	-	-	-	-
Net Change in Cash	14.03B	-7.95B	-11.27B	-11.6B	-1.18B
Supplemental Items
Cash Interest Paid	-	-	-	-	-
Cash Income Tax Paid (Refund)	-74.3M	67.52M	409M	376M	490M
Net Debt Issued / Repaid	1.31B	-750M	100M	500M	200M

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.22	0.35	0.55	0.77	0.57
Return On Equity %	4.23	6.63	9.89	12.65	9.58
Return on Common Equity	3.38	5.72	9.05	11.99	8.58
Shareholders Value Added	-576M	-452M	-8.66M	351M	254M
Margin Analysis
SG&A Margin	70.83	64.2	57.62	51.68	49.12
Net Interest Income / Total Revenues %	84.31	88.16	94.91	88.04	80.28
EBT Excl. Non-Recurring Items Margin %	26.13	31.4	39.72	44.47	47.54
Income From Continuing Operations Margin %	13.25	20.16	26.75	32.02	31.61
Net Income Margin %	13.05	19.91	26.72	31.99	40.25
Net Avail. For Common Margin %	10.57	17.35	24.41	30.27	28.27
Normalized Net Income Margin	16.12	19.37	24.8	27.76	29.67
Asset quality
Nonperforming Loans / Total Loans %	3.41	3.27	3.36	2.81	2.68
Nonperforming Loans / Total Assets %	2.26	2.17	2.33	1.92	1.35
Nonperforming Assets / Total Assets %	2.49	2.37	2.51	2.07	1.5
NPAs / Loans and OREO	3.74	3.57	3.62	3.03	2.97
NPAs / Equity	48.25	45.13	42.59	33.07	26.2
Allowance for Credit Losses / Nonperforming Loans %	57.95	55.31	58.46	61.97	70.86
Allowance for Credit Losses / Total Loans %	1.98	1.81	1.97	1.74	1.9
Earning Assets / IBL	102.8	103.05	103.51	103.89	103.84
Interest Income / Average Assets	1.69	1.94	3.54	4.01	2.52
Interest Expense / Average Assets	0.29	0.46	1.61	1.94	1.08
Net Interest Income / Average Assets	1.4	1.48	1.93	2.08	1.44
Non Interest Income / Average Assets	0.52	0.53	0.43	0.52	0.54
Non Interest Expense / Average Asset	1.22	1.15	1.23	1.31	0.94
Capital And Funding
Total Average Common Equity / Total Average Assets %	5.21	5.2	5.53	6.08	5.99
Total Average Equity / Total Average Assets %	5.23	5.21	5.54	6.09	6
Total Equity + Allowance for Loan Losses / Total Loans %	9.74	9.72	10.47	10.92	13.23
Gross Loans / Total Deposits %	82.27	85.64	94.59	94.17	91.65
Net Loans / Total Deposits %	80.57	84	92.59	92.39	89.75
Tier 1 Capital Ratio %	15.47	14.75	15.42	15.19	16.59
Total Capital Ratio %	17.98	17.08	17.76	17.6	18.23
Core Tier 1 Capital Ratio	12.5	12.67	13.19	13.02	13.16
Tier 2 Capital Ratio	2.51	2.33	2.33	2.42	1.64
Coverage Ratio	57.95	55.31	58.46	61.97	70.86
Interbank Ratio	69.66	41.33	50.55	86.17	60.1
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.86	2.04	1.48	1.54	1.79
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	0.78	10.93	24.47	6.26	-6.02
Non Interest Income, 1 Yr. Growth %	-0.2	6.68	-23.52	19.48	11.96
Provision For Loan Losses, 1 Yr. Growth %	-37.43	33.35	-4.63	-27.43	-19.26
Total Revenues, 1 Yr. Growth %	11.06	6.09	14.8	14.55	0.44
Earnings From Cont. Operations, 1 Yr. Growth %	17.8K	61.38	48.16	37.12	-5.27
Net Income, 1 Yr. Growth %	26.39K	61.94	49.79	37.13	-2.81
Normalized Net Income, 1 Yr. Growth %	254.36	27.48	44.67	28.25	3.21
Diluted EPS Before Extra, 1 Yr. Growth %	-702.82	69.03	61.77	42.04	-3.2
Dividend Per Share, 1 Yr. Growth %	-	33.33	50	240.67	-
Gross Loans, 1 Yr. Growth %	4.69	-0.2	-2.39	3.96	-24.13
Allowance For Loan Losses, 1 Yr. Growth %	7.16	-8.53	5.92	-11.07	-17.29
Net Loans, 1 Yr. Growth %	4.66	-0.05	-2.58	4.28	-24.27
Non Performing Loans, 1 Yr. Growth %	7.11	-4.17	0.21	-16.03	-27.67
Non Performing Assets, 1 Yr. Growth %	4.91	-4.83	-0.96	-15.9	-26.34
Total Assets, 1 Yr. Growth %	6.86	-0.23	-6.4	1.88	2.42
Total Deposits, 1 Yr Growth %	9.85	-4.13	-11.62	0.83	-22.05
Tangible Book Value, 1 Yr. Growth %	5.76	3.04	7.52	9.56	-7.13
Average Interest Earning Assets, 1 Yr. Growth %	8.08	5.39	-4.8	-1.29	1.23
Average Interest Bearing Liabilities, 1 Yr. Growth %	8.27	5.12	-5.27	-1.66	1.29
Common Equity, 1 Yr. Growth %	4.44	1.69	6.08	8.33	-6.34
Total Equity, 1 Yr. Growth %	4.04	1.76	6.06	8.31	-6.33
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-2.8	5.74	17.51	15.01	-13.49
Non Interest Income, 2 Yr. CAGR %	1.72	3.18	-8.65	-4.4	11.15
Provision For Loan Losses, 2 Yr. CAGR %	2.52	-8.66	12.77	-16.81	-25.95
Total Revenues, 2 Yr. CAGR %	-2.24	8.55	10.75	14.67	-5.94
Earnings From Cont. Operations, 2 Yr. CAGR %	-16.73	1.6K	57.34	42.53	2.24
Net Income, 2 Yr. CAGR %	-16.9	1.97K	58.51	43.32	15.44
Normalized Net Income, 2 Yr. CAGR %	-0.97	112.54	37.36	36.21	2.89
Diluted EPS Before Extra, 2 Yr. CAGR %	-21.69	219.21	71.15	51.59	3.64
Dividend Per Share, 2 Yr. CAGR %	-13.4	-	41.42	126.05	-
Gross Loans, 2 Yr. CAGR %	0.6	2.22	-1.3	-1.01	-11.19
Allowance For Loan Losses, 2 Yr. CAGR %	6.1	-1	-1.57	-2.9	-14.24
Net Loans, 2 Yr. CAGR %	0.51	2.28	-1.32	-0.99	-11.13
Non Performing Loans, 2 Yr. CAGR %	-1.92	1.31	-2	-8.27	-22.06
Non Performing Assets, 2 Yr. CAGR %	-2.49	-0.08	-2.92	-8.74	-21
Total Assets, 2 Yr. CAGR %	6.11	3.26	-3.39	-2.34	2.15
Total Deposits, 2 Yr CAGR %	9.74	2.62	-7.95	-5.6	-11.34
Tangible Book Value, 2 Yr. CAGR %	0.24	4.39	4.57	8.54	0.84
Average Interest Earning Assets, 2 Yr. CAGR %	4.92	6.72	0.14	-3.06	-0.04
Average Interest Bearing Liabilities, 2 Yr. CAGR %	5.05	6.68	-0.21	-3.48	-0.19
Common Equity, 2 Yr. CAGR %	0.26	3.05	3.31	7.2	0.73
Total Equity, 2 Yr. CAGR %	0.08	2.89	3.34	7.18	0.73
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-2.38	1.58	11.64	13.63	-2.34
Non Interest Income, 3 Yr. CAGR %	-2.42	3.35	-5.92	-0.1	-1.87
Provision For Loan Losses, 3 Yr. CAGR %	-8.46	11.91	-7.34	-2.64	-19.44
Total Revenues, 3 Yr. CAGR %	-1.28	0.46	10.85	12	0.52
Earnings From Cont. Operations, 3 Yr. CAGR %	17.13	3.82	662.35	50.29	15.7
Net Income, 3 Yr. CAGR %	17.35	3.8	773.04	51.03	25.91
Normalized Net Income, 3 Yr. CAGR %	12.06	7.73	88.39	34.25	15.27
Diluted EPS Before Extra, 3 Yr. CAGR %	15.63	1.2	160.4	60.84	20.22
Dividend Per Share, 3 Yr. CAGR %	0	0	-	89.58	-
Gross Loans, 3 Yr. CAGR %	2.72	0.33	0.66	-0.74	-9.41
Allowance For Loan Losses, 3 Yr. CAGR %	-1.29	0.98	1.26	-4.82	-7.96
Net Loans, 3 Yr. CAGR %	2.78	0.33	0.63	-0.68	-9.45
Non Performing Loans, 3 Yr. CAGR %	-4.16	-2.67	0.95	-6.92	-15.25
Non Performing Assets, 3 Yr. CAGR %	-15.64	-3.28	-0.37	-7.45	-14.82
Total Assets, 3 Yr. CAGR %	4.26	3.96	-0.08	-1.66	-0.78
Total Deposits, 3 Yr CAGR %	6.61	4.91	-2.36	-5.11	-11.43
Tangible Book Value, 3 Yr. CAGR %	2.7	1.17	4.97	6.21	3.02
Average Interest Earning Assets, 3 Yr. CAGR %	4.07	5.08	2.72	-0.34	-1.65
Average Interest Bearing Liabilities, 3 Yr. CAGR %	4.32	5.08	2.54	-0.69	-1.92
Common Equity, 3 Yr. CAGR %	2.48	0.73	3.69	4.96	2.48
Total Equity, 3 Yr. CAGR %	2.36	0.64	3.57	4.97	2.47
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	-2.29	-0.04	5.14	6.75	0.82
Non Interest Income, 5 Yr. CAGR %	0.56	-8.89	-4.96	0.63	0.57
Provision For Loan Losses, 5 Yr. CAGR %	7.59	-6.23	-0.49	-0.61	-15.29
Total Revenues, 5 Yr. CAGR %	-2.64	-2.14	3.37	6.07	3.8
Earnings From Cont. Operations, 5 Yr. CAGR %	-5.53	1.55	31.81	18.67	241.31
Net Income, 5 Yr. CAGR %	-5.68	1.39	32.35	18.93	288.66
Normalized Net Income, 5 Yr. CAGR %	-1.78	3.04	21.56	18.87	47.9
Diluted EPS Before Extra, 5 Yr. CAGR %	-9.97	-1.42	35.27	20.6	80.14
Dividend Per Share, 5 Yr. CAGR %	-9.71	-10.59	14.87	38.57	-
Gross Loans, 5 Yr. CAGR %	1.55	1.73	1.1	-0.21	-4.93
Allowance For Loan Losses, 5 Yr. CAGR %	-7.67	-4.12	-1.4	-0.59	-5.23
Net Loans, 5 Yr. CAGR %	1.83	1.88	1.12	-0.2	-4.93
Non Performing Loans, 5 Yr. CAGR %	-9.99	-7.04	-3.3	-4.95	-8.98
Non Performing Assets, 5 Yr. CAGR %	-11.68	-10.15	-10.76	-5.5	-9.2
Total Assets, 5 Yr. CAGR %	3.46	2.58	1.13	1.38	0.8
Total Deposits, 5 Yr CAGR %	6.52	3.95	0.53	0.57	-6.06
Tangible Book Value, 5 Yr. CAGR %	-0.95	-0.39	3.44	3.78	3.3
Average Interest Earning Assets, 5 Yr. CAGR %	3.51	3.81	2.48	1.73	1.61
Average Interest Bearing Liabilities, 5 Yr. CAGR %	3.77	3.97	2.49	1.57	1.44
Common Equity, 5 Yr. CAGR %	-0.1	0.04	2.81	3.05	2.49
Total Equity, 5 Yr. CAGR %	-0.13	0	2.75	2.99	2.43