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A+ A A-

	2020	2019	2018	2017	2016
Profitability Ratios (%)
Net interest margin on average interest bearing assets	2.0	2.2	2.2	2.3	2.2
Net return on equity¹	11.2	13.6	14.8	15.8	16.5
Return on average assets	1.4	1.7	1.7	1.8	1.8
Return on average risk-weighted assets	2.2	2.6	2.7	2.8	2.7
Cost/income ratio	34.6	34.4	33.0	31.9	32.3
Productivity Ratios
No. of employees	19,414	19,260	18,721	18,553	18,651
Gross loans per employee (RM'000)	17,804	17,158	16,949	16,410	15,761
Deposits per employee (RM'000)	18,846	18,346	18,117	17,208	16,620
Profit before tax per employee (RM'000)	324	370	379	384	351
Asset Quality Ratios (%)
Gross loans to fund ratio	90.2	88.9	88.4	90.0	90.8
Gross loans to fund and equity ratio	80.0	79.2	79.0	80.7	81.8
Gross impaired loans ratio	0.4	0.5	0.5	0.5	0.5
Loan loss coverage
-Exclude regulatory reserve	227.7	124.1	126.0	95.5	102.7
-Include regulatory reserve	325.1	249.8	237.5	256.5	248.5
Capital Adequacy Ratios (%)²
Common Equity Tier I ("CET I") capital ratio	14.0	13.5	13.1	12.2	11.4
Tier I capital ratio	14.0	13.5	13.7	13.0	12.2
Total capital ratio	17.1	16.8	16.3	16.0	15.5
¹ Based on equity attributable to equity holders of the Bank, adjusted for dividend declared subsequent to year end. ² After deducting interim dividend declared subsequent to year end.