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Five-Year Financial Highlights
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Financial Ratios
A+
A
A-
2021
2020
2019
2018
2017
Profitability Ratios (%)
Net interest margin on average interest bearing assets
2.2
2.0
2.2
2.2
2.3
Net return on equity
1
12.4
11.2
13.6
14.8
15.8
Return on average assets
1.6
1.4
1.7
1.7
1.8
Return on average risk-weighted assets
2.5
2.2
2.6
2.7
2.8
Cost/income ratio
31.6
34.6
34.4
33.0
31.9
Productivity Ratios
No. of employees
19,364
19,414
19,260
18,721
18,553
Gross loans per employee (RM'000)
18,489
17,804
17,158
16,949
16,410
Deposits per employee (RM'000)
19,644
18,846
18,346
18,117
17,208
Profit before tax per employee (RM'000)
380
324
370
379
384
Asset Quality Ratios (%)
Gross loans to fund ratio
90.1
90.2
88.9
88.4
90.0
Gross loans to fund and equity ratio
80.0
80.0
79.2
79.0
80.7
Gross impaired loans ratio
0.3
0.4
0.5
0.5
0.5
Loan loss coverage
-Exclude regulatory reserve
360.7
227.7
124.1
126.0
95.5
-Include regulatory reserve
383.2
325.1
249.8
237.5
256.5
Capital Adequacy Ratios (%)
2
Common Equity Tier I ("CET I") capital ratio
14.5
14.0
13.5
13.1
12.2
Tier I capital ratio
14.6
14.0
13.5
13.7
13.0
Total capital ratio
17.7
17.1
16.8
16.3
16.0
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.
Investor Updates
Annual Report Statement by Tan Sri Dato' Sri Dr. Teh Hong Piow, Founder, Chairman Emeritus, Director and Adviser
Annual Report Joint Statement by Chairman and Managing Director / Chief Executive Officer
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