Page 6 - FIN435 RHB vs BPMB

(D) Asset Quality Ratio

Ratio 2016 2017 2018 Remark

NPL =1.38% = 1.14% =1.93% 2017 is better
= non-
performing
loan/total
loan

Loan to =1.03 times =0.85 times = 0.86 times 2016 is better
deposit
=total
loan/total
deposit

RHB Bank 2018 External Comparison

a) Profitability Ratio

Ratio RHB Public Bank Remark

ROA
= net profit ÷ PB is better
total assets =0.95% = 1.37%
Return on equity
(ROE)
=net profit after = 2.22% = 12.90% PB is better
tax/equity

Spread
= (interest
income-interest = 2% = 1.84% RHB bank is
expense)/total better
asset

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