Page 16 - FIN435 RHB vs BPMB

2.6 BANK PEMBANGUNAN BERHAD 2018 EXTERNAL COMPARISON

(a) Profitability ratio

Ratio BPMB Agro Bank Remark

Return On
Asset = 0.65% = 0.82% Agro bank is better

Return On = 2.19 % = 4.58% Agro bank is better
equity

Spread = 2% N/A N/A

(b) Liquidity Ratio

Ratio BPMB Agro Bank Remark

Loan to total asset = 73.93% = 64.21% Agro bank is
better

(c) Capital Adequacy Ratio

Ratio BPMB Agro Bank Remark

Capital adequacy = 37.45% = 26.5% BPMB is better
Ratio
Agro bank is
Core Capital Ratio = 31.22% = 23.1% better

(d) Asset Quality Ratio

Ratio BPMB Agro Bank Remark

NPL = 10.95% = 3.2% 2017 is better

Loan to deposit = 3.19 times = 1.02 times 2016 is better

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