Page 7 - FIN435 RHB vs BPMB

2.2 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)
= 2.22% = 12.90% PB is better
=net profit after
tax/equity

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

b) Liquidity Ratio

Ratio RHB Public Bank Remark
Loan to total = 68.11% = 74.65% RHB Bank is
asset better
=net loan
advance and
financing/total
asset

c) Capital Adequacy Ratio

Ratio RHB Public Bank Remark
Capital = 19.21% = 12.8% RHB Bank is
adequacy better
Ratio

Core Capital = 16.91% = 120.43% RHB Bank is
Ratio better

5