Page 13 - FIN435 RHB vs BPMB

Bank Pembangunan Berhad Internal Comparison

a) Profitability Ratio

Ratio 2016 2017 2018 Remark

return on =0.86% = 0.79% =0.65% 2016 is better
asset (ROA)
Return on =3.05% = 2.76% = 2.19 % 2016 is better
equity (ROE)
Spread = 2.4% = =2.1% = 2% 2016 is better

b) Liquidity Ratio

Ratio 2016 2017 2018 Remark

Loan to total = 78.97% = 73.13% = 73.93% 2017 is better
asset

c) Capital Adequacy Ratio

Ratio 2016 2017 2018 Remark

Capital = 34.59% = 33.78% = 37.45% 2018 is better
adequacy
Core Capital = 31.21% = 29.54% = 31.22% 2017 is better

d) Asset Quality Ratio

Ratio 2016 2017 2018 Remark

NPL 2017 is better
=10.95% = 12.15% =15.02%

Loan to 2016 is better
deposit =2.44 times = 2.73 times = 3.19 times

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