A+ A A-
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  2016 2015 2014 2013 2012
Profitability Ratios (%)
Net interest margin on average interest bearing assets 2.2 2.2 2.2 2.4 2.5
Net return on equity1 16.5 17.8 19.9 # 22.4 24.1
Return on average assets 1.8 1.8 1.8 1.8 1.9
Return on average risk-weighted assets 2.7 2.8 2.8 2.8 2.9
Cost/income ratio 32.3 30.5 30.0 30.7 31.2
Productivity Ratios
No. of employees 18,651 18,373 18,198 17,924 17,625
Gross loans per employee (RM'000) 15,761 14,883 13,465 12,340 11,222
Deposits per employee (RM'000) 16,620 16,391 15,196 13,996 12,768
Profit before tax per employee (RM'000) 351 353 320 296 286
Asset Quality Ratios (%)
Net loan to deposit ratio 94.3 90.3 88.0 87.5 87.1
Gross impaired loans ratio 0.5 0.5 0.6 0.7 0.7
Loan loss coverage          
-Exclude regulatory reserve 120.7 120.8 122.4 118.5 126.0
-Include regulatory reserve 248.5 258.6 218.6 127.1 135.3
Capital Adequacy Ratios (%)
Common Equity Tier I ("CET I") capital ratio 11.9 11.4 11.3 9.3 N/A
Tier I capital ratio 12.7 12.6 12.8 11.1 11.4
Total capital ratio 16.0 15.9 16.4 14.3 14.7
CET I capital (RM'Million) 29,856 27,329 24,775 18,527 N/A
Tier I capital (RM'Million) 32,007 30,118 27,942 22,079 20,512
Tier II capital (RM'Million) 8,198 8,092 7,891 6,458 5,861
Total capital (RM'Million) 40,205 38,210 35,833 28,537 26,373
1 Based on average equity attributable to equity holders of the Bank, adjusted for dividend declared subsequent to year end.
# Average equity is adjusted with weighted average of net proceeds from rights issue.
N/A Not applicable