Profitability |
Return on Assets
|
0.05 %
|
0.19 %
|
0.42 %
|
Return on Capital
|
1.21 %
|
4.53 %
|
9.99 %
|
Return on Equity
|
1.00 %
|
3.69 %
|
7.82 %
|
Return on RWA
|
0.19 %
|
0.71 %
|
1.57 %
|
Net Interest Margin
|
1.25 %
|
1.20 %
|
1.39 %
|
Profit Margin
|
4.25 %
|
13.34 %
|
20.56 %
|
Net Interest Income to Average Assets
|
0.88 %
|
0.84 %
|
1.03 %
|
Net Income to Average Assets
|
0.05 %
|
0.19 %
|
0.43 %
|
Net Income to Average Equity
|
1.00 %
|
3.85 %
|
8.06 %
|
Asset Utilisation
|
1.83 %
|
1.92 %
|
2.05 %
|
Equity Multiplier
|
21.09 %
|
20.34 %
|
18.96 %
|
Income |
Net Interest Income to Total Operating Income
|
47.97 %
|
43.90 %
|
50.17 %
|
Net Fee and Commission Income to Total Operating Income
|
39.22 %
|
43.03 %
|
36.16 %
|
Net Trading Income to Total Operating Income
|
10.26 %
|
11.98 %
|
11.02 %
|
Net Non-Interest Income to Total Operating Income
|
52.03 %
|
56.10 %
|
49.83 %
|
Operational Efficiency |
Cost/Income Ratio
|
83.30 %
|
82.95 %
|
73.01 %
|
Staff Costs to Total Operating Expenses
|
52.32 %
|
49.42 %
|
53.92 %
|
General and Admin Expenses to Total Operating Expenses
|
47.68 %
|
50.58 %
|
46.08 %
|
Pre-Tax Profit per $ of Staff Costs
|
0.10
|
0.33
|
0.52
|
Asset Quality |
Non-Performing Loans (NPL%)
|
2.34 %
|
2.23 %
|
2.19 %
|
Total Impairment Charges to Total Operating Income
|
7.46 %
|
2.03 %
|
4.51 %
|
Total Impairment Charges to Gross Total Loans
|
0.41 %
|
0.11 %
|
0.25 %
|
Leverage |
Capital Assets Ratio
|
3.89 %
|
4.18 %
|
4.24 %
|
Debt to Equity Ratio
|
2,030.78 %
|
1,846.16 %
|
1,748.23 %
|
Total Senior Debt to Total Equity
|
227.50 %
|
199.30 %
|
166.11 %
|
Total Senior Debt to Total Liabilities
|
11.20 %
|
10.80 %
|
9.50 %
|
Total Senior Debt plus Subordinated Liabilities to Total Liabilities
|
11.81 %
|
11.50 %
|
10.40 %
|
Total Liabilities to Total Assets
|
95.31 %
|
94.86 %
|
94.59 %
|
Liquidity |
Cash Held as % Total Deposits
|
29.26 %
|
31.80 %
|
28.79 %
|
Loans to Assets Ratio
|
32.58 %
|
35.96 %
|
36.45 %
|
Loans to Deposits Ratio
|
76.02 %
|
78.86 %
|
78.40 %
|
Liquidity Coverage Ratio
|
142.00 %
|
133.00 %
|
142.00 %
|
Net Stable Funding Ratio
|
n/a
|
n/a
|
120.00 %
|
Resilience |
Loan Coverage Ratio
|
34.58 %
|
34.04 %
|
32.66 %
|
Allowance for Loan Losses to Gross Total Loans
|
1.12 %
|
1.00 %
|
1.00 %
|
Risk Profile |
RWA Density
|
24.79 %
|
26.56 %
|
26.93 %
|
Credit Risk to Total RWA
|
70.24 %
|
76.88 %
|
76.53 %
|
Market Risk to Total RWA
|
8.79 %
|
5.62 %
|
7.26 %
|
Operational Risk to Total RWA
|
20.97 %
|
17.55 %
|
16.21 %
|
Counterparty Credit Risk to Credit Risk Weighted Assets
|
14.43 %
|
11.57 %
|
10.89 %
|
Counterparty Credit Risk to Total Risk Weighted Assets
|
10.14 %
|
8.90 %
|
8.33 %
|
High Quality Liquid Assets to Total Assets
|
15.62 %
|
16.62 %
|
16.31 %
|