Page 5 - FIN435 RHB vs BPMB

2.0 Ratios

RHB Bank Internal Comparison

a) Profitability Ratio

Ratio 2016 2017 2018 Remark

Return on asset =0.71% = 0.85% 0.95% 2018 is better
(ROA)
= net profit
after tax/total
asset
Return on =7.75% = 8.44% = 9.8% 2018 is better
equity (ROE)
=net profit
after tax/equity
Spread = 1.46% = 1.53% = 1.50% 2017 is better
= (interest
income-
interest
expense)/total
asset

b) Liquidity Ratio

Ratio 2016 2017 2018 Remark

Loan to total = 64.37% = 68.76% = 68.11% 2017 is better
asset
=net loan
advance and
financing/total
asset

c) Capital Adequacy Ratio

Ratio 2016 2017 2018 Remark

Capital = 17.41% = 17.50% = 19.21% 2018 is better
adequacy
Ratio

Core Capital = 24.24% = 16.50% = 16.91% 2018 is better
Ratio

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