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	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.