A+ A A-
 
  2019 2018 2017 2016 2015
Profitability Ratios (%)
Net interest margin on average interest bearing assets 2.2 2.2 2.3 2.2 2.2
Net return on equity1 13.6 14.8 15.8 16.5 17.8
Return on average assets 1.7 1.7 1.8 1.8 1.8
Return on average risk-weighted assets 2.6 2.7 2.8 2.7 2.8
Cost/income ratio 34.4 33.0 31.9 32.3 30.5
Productivity Ratios
No. of employees 19,260 18,721 18,553 18,651 18,373
Gross loans per employee (RM'000) 17,158 16,949 16,410 15,761 14,883
Deposits per employee (RM'000) 18,346 18,117 17,208 16,620 16,391
Profit before tax per employee (RM'000) 370 379 384 351 353
Asset Quality Ratios (%)
Gross loans to fund ratio 88.9 88.4 90.0 90.8 86.8
Gross loans to fund and equity ratio 79.2 79.0 80.7 81.8 78.7
Gross impaired loans ratio 0.5 0.5 0.5 0.5 0.5
Loan loss coverage          
-Exclude regulatory reserve 124.1 126.0 95.5 102.7 120.8
-Include regulatory reserve 249.8 237.5 256.5 248.5 258.6
Capital Adequacy Ratios (%)2
Common Equity Tier I ("CET I") capital ratio 13.5 13.1 12.2 11.4 10.9
Tier I capital ratio 13.5 13.7 13.0 12.2 12.0
Total capital ratio 16.8 16.3 16.0 15.5 15.4
1 Based on equity attributable to equity holders of the Bank, adjusted for dividend declared subsequent to year end.
2 After deducting second interim dividend declared subsequent to year end.