Profitability |
Return on Assets
|
0.32 %
|
0.20 %
|
0.50 %
|
Return on Capital
|
5.87 %
|
3.81 %
|
9.40 %
|
Return on Equity
|
4.52 %
|
2.98 %
|
7.11 %
|
Return on RWA
|
1.03 %
|
0.71 %
|
1.75 %
|
Net Interest Margin
|
1.58 %
|
1.32 %
|
1.20 %
|
Profit Margin
|
23.77 %
|
17.40 %
|
38.15 %
|
Net Interest Income to Average Assets
|
1.16 %
|
0.97 %
|
0.89 %
|
Net Income to Average Assets
|
0.33 %
|
0.21 %
|
0.49 %
|
Net Income to Average Equity
|
4.50 %
|
3.07 %
|
7.14 %
|
Asset Utilisation
|
2.13 %
|
1.77 %
|
1.67 %
|
Equity Multiplier
|
13.63 %
|
14.33 %
|
14.43 %
|
Income |
Net Interest Income to Total Operating Income
|
54.25 %
|
54.69 %
|
53.46 %
|
Net Fee and Commission Income to Total Operating Income
|
21.41 %
|
23.55 %
|
26.43 %
|
Net Trading Income to Total Operating Income
|
30.25 %
|
22.86 %
|
15.07 %
|
Net Non-Interest Income to Total Operating Income
|
45.75 %
|
45.31 %
|
46.54 %
|
Operational Efficiency |
Cost/Income Ratio
|
56.69 %
|
57.89 %
|
61.22 %
|
Staff Costs to Total Operating Expenses
|
56.56 %
|
61.92 %
|
61.79 %
|
General and Admin Expenses to Total Operating Expenses
|
43.44 %
|
38.08 %
|
38.21 %
|
Pre-Tax Profit per $ of Staff Costs
|
0.74
|
0.49
|
1.01
|
Asset Quality |
Non-Performing Loans (NPL%)
|
1.20 %
|
1.29 %
|
1.64 %
|
Total Impairment Charges to Total Operating Income
|
4.91 %
|
17.48 %
|
-1.87 %
|
Total Impairment Charges to Gross Total Loans
|
0.25 %
|
0.78 %
|
-0.08 %
|
Leverage |
Capital Assets Ratio
|
5.46 %
|
5.37 %
|
5.28 %
|
Debt to Equity Ratio
|
1,309.24 %
|
1,355.73 %
|
1,330.50 %
|
Total Senior Debt to Total Equity
|
122.66 %
|
106.40 %
|
93.39 %
|
Total Senior Debt to Total Liabilities
|
9.37 %
|
7.85 %
|
7.02 %
|
Total Senior Debt plus Subordinated Liabilities to Total Liabilities
|
10.75 %
|
9.03 %
|
8.13 %
|
Total Liabilities to Total Assets
|
92.90 %
|
93.13 %
|
93.01 %
|
Liquidity |
Cash Held as % Total Deposits
|
10.29 %
|
17.65 %
|
22.25 %
|
Loans to Assets Ratio
|
41.05 %
|
38.00 %
|
38.55 %
|
Loans to Deposits Ratio
|
74.41 %
|
65.75 %
|
62.94 %
|
Liquidity Coverage Ratio
|
150.20 %
|
139.10 %
|
138.40 %
|
Resilience |
Loan Coverage Ratio
|
37.76 %
|
41.20 %
|
36.53 %
|
Allowance for Loan Losses to Gross Total Loans
|
0.78 %
|
1.28 %
|
1.00 %
|
Risk Profile |
RWA Density
|
31.06 %
|
28.74 %
|
28.34 %
|
Credit Risk to Total RWA
|
85.45 %
|
85.68 %
|
85.47 %
|
Market Risk to Total RWA
|
3.55 %
|
3.32 %
|
3.92 %
|
Operational Risk to Total RWA
|
11.00 %
|
11.00 %
|
10.61 %
|
Counterparty Credit Risk to Credit Risk Weighted Assets
|
6.09 %
|
5.83 %
|
5.00 %
|
Counterparty Credit Risk to Total Risk Weighted Assets
|
5.21 %
|
4.99 %
|
4.27 %
|
High Quality Liquid Assets to Total Assets
|
22.15 %
|
22.72 %
|
24.24 %
|