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Factsheet Ratios

Performance Ratio 30/06/2017 31/12/2016 31/12/2015 31/12/2014
Operating income margin
Operating income before loan loss provision / Total Revenue
32.47 31.06 21.78 25.81
After tax profit margin
Profit after Tax / Total Revenue
21.51 22.71 15.08 18.45
Return on Assets
Profit after Tax / Total Assets
0.38 0.83 0.55 0.94
Return on Equity
Profit after Tax / Total Shareholders' Funds
3.04 6.65 4.55 8.28
Cost to income
Overhead Expenses / Total Revenue
61.96 59.04 60.23 54.71
Earnings per share (RM)
Net Profit / No of Shares
13.82 29.03 19.01 34.52
 
Liquidity / Gearing 30/06/2017 31/12/2016 31/12/2015 31/12/2014
Loan to Deposit ratio
Gross loans - unearned interests / Total deposits
88.74 85.72 86.81 81.13
Gross Impaired Loans ratio
Gross Impaired Loans / Gross loans - unearned interest
2.07 1.67 1.90 1.82
Net Impaired Loans ratio
Gross Impaired Loans - individual Impairment / Gross loans - unearned interest - individual impairment
1.62 1.20 1.02 0.84
Loan Loss Reserve ratio
Collective impairment + individual impairment / Gross impaired Loans
100.86 94.34 98.09 75.57
 
Productivity Ratio 30/06/2017 31/12/2016 31/12/2015 31/12/2014
Revenue per employee
Total Revenue / No. of employees
246,393 510,724 523,079 667,217
Cost per employee
Overhead Expenses / No. of employees
130,326 228,630 223,629 197,620
 
Others 30/06/2017 31/12/2016 31/12/2015 31/12/2014
NTA per share
Total Shareholders Funds - Intangible Assets / No of shares
3.79 3.64 3.43 3.28
Loan Growth (%)
(Current year loan base (net of unearned interest) - Previous year loan base (net of unearned interest) / Previous year loan base
2.64 0.62 6.87 9.60
Gearing ratio (%)
Borrowing / Total Shareholders Funds
26.58 18.50 15.68 12.33
Net Asset Yield (%)
Interest income / Average total interest bearing assets* for beginning and end of reporting periods
3.95 4.07 4.13 4.15
Net Interest Margin (%)
Net interest income + Islamic banking income / Average total interest bearing assets* for beginning and end of reporting periods
1.98 1.98 1.93 2.02

 

* Total interest bearing assets include among others :-

  • Cash and short term funds
  • Deposits and placements with financial institutions
  • Securities held-for-trading
  • Investments held-to-maturity
  • Investments available-for-sale
  • Loans, advances and financing
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