Five-Year Financial Highlights

	2022	2021	2020	2019	2018
Profitability Ratios (%)
Net interest margin on average interest bearing assets	2.4	2.2	2.0	2.2	2.2
Net return on equity¹	12.8	12.4	11.2	13.6	14.8
Return on average assets	1.8	1.6	1.4	1.7	1.7
Return on average risk-weighted assets	2.9	2.5	2.2	2.6	2.7
Cost/income ratio	31.5	31.6	34.6	34.4	33.0
Productivity Ratios
No. of employees	19.188	19,364	19,414	19,260	18,721
Gross loans per employee (RM'000)	19.642	18,489	17,804	17,158	16,949
Deposits per employee (RM'000)	20.571	19,644	18,846	18,346	18,117
Profit before tax per employee (RM'000)	460	380	324	370	379
Asset Quality Ratios (%)
Gross loans to fund ratio	91.4	90.1	90.2	88.9	88.4
Gross loans to fund and equity ratio	81.1	80.0	80.0	79.2	79.0
Gross impaired loans ratio	0.4	0.3	0.4	0.5	0.5
Loan loss coverage
- Exclude regulatory reserve	272.0	360.7	227.7	124.1	126.0
- Include regulatory reserve	291.8	383.2	325.1	249.8	237.5
Capital Adequacy Ratios (%)²
Common Equity Tier I ("CET I") capital ratio	14.6	14.5	14.0	13.5	13.1
Tier I capital ratio	14.6	14.6	14.0	13.5	13.7
Total capital ratio	17.6	17.7	17.1	16.8	16.3

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.