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.