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Market Closed -
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5-day change | 1st Jan Change | ||
| 11.70 MYR | +0.34% |
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-5.34% | +11.64% |
| Fiscal Period: December | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|
Profitability | ||||||||||
Return on Assets | 0.79 | 0.95 | 0.91 | 0.97 | 1 | |||||
Return On Equity % | 7.85 | 9.47 | 9.44 | 10.32 | 10.78 | |||||
Return on Common Equity | 7.81 | 9.51 | 9.59 | 10.37 | 10.7 | |||||
Shareholders Value Added | -347.57Cr | -211.79Cr | -207.12Cr | -147.35Cr | -122.81Cr | |||||
Margin Analysis | ||||||||||
SG&A Margin | 55.03 | 49.87 | 50 | 50.7 | 50.34 | |||||
Net Interest Income / Total Revenues % | 56.37 | 54.09 | 55.75 | 49.87 | 45.89 | |||||
EBT Excl. Non-Recurring Items Margin % | 43.91 | 49.03 | 48.92 | 48.74 | 49.03 | |||||
Income From Continuing Operations Margin % | 34.15 | 37.4 | 33.74 | 37.48 | 37.65 | |||||
Net Income Margin % | 32.94 | 36.39 | 33.19 | 36.45 | 36.15 | |||||
Net Avail. For Common Margin % | 32.94 | 36.39 | 33.19 | 36.45 | 36.15 | |||||
Normalized Net Income Margin | 26.23 | 29.63 | 30.02 | 29.43 | 29.15 | |||||
Asset quality | ||||||||||
Nonperforming Loans / Total Loans % | 1.94 | 1.77 | 1.41 | 1.22 | 1.13 | |||||
Nonperforming Loans / Total Assets % | 1.36 | 1.24 | 0.97 | 0.84 | 0.77 | |||||
Nonperforming Assets / Total Assets % | 1.4 | 1.28 | 1.01 | 0.88 | 0.81 | |||||
NPAs / Loans and OREO | 2 | 1.82 | 1.47 | 1.28 | 1.18 | |||||
NPAs / Equity | 13.8 | 12.87 | 10.81 | 9.25 | 8.96 | |||||
Allowance for Credit Losses / Net Charge-offs % | 424 | 423.43 | 451.24 | 288.95 | 669.52 | |||||
Allowance for Credit Losses / Nonperforming Loans % | 98.62 | 107.76 | 127.48 | 120.09 | 122.45 | |||||
Allowance for Credit Losses / Total Loans % | 1.91 | 1.9 | 1.8 | 1.46 | 1.38 | |||||
Provision for Loan Losses / Net Charge-offs % | 169.35 | 91.46 | 84.92 | 51.09 | 109.71 | |||||
Capital And Funding | ||||||||||
Total Average Common Equity / Total Average Assets % | 9.82 | 9.76 | 9.36 | 9.13 | 8.97 | |||||
Total Average Equity / Total Average Assets % | 10.12 | 10.07 | 9.67 | 9.43 | 9.27 | |||||
Total Equity + Allowance for Loan Losses / Total Loans % | 15.95 | 15.63 | 14.95 | 14.88 | 14.1 | |||||
Gross Loans / Total Deposits % | 98.91 | 97.94 | 95.43 | 96.11 | 94.07 | |||||
Net Loans / Total Deposits % | 82.68 | 83.22 | 82.34 | 84.01 | 82.9 | |||||
Tier 1 Capital Ratio % | 16.03 | 16.81 | 16.38 | 16.84 | 16.14 | |||||
Total Capital Ratio % | 18.68 | 19.52 | 19.08 | 19.4 | 18.91 | |||||
Core Tier 1 Capital Ratio | 15.31 | 16.09 | 15.67 | 16.19 | 15.76 | |||||
Tier 2 Capital Ratio | 2.66 | 2.71 | 2.7 | 2.56 | 2.77 | |||||
Coverage Ratio | 98.62 | 107.76 | 127.48 | 120.09 | 122.45 | |||||
Interbank Ratio | 97.49 | 116.09 | 79.2 | 75.76 | 86.85 | |||||
Fixed Charges Coverage | ||||||||||
EBT + Interest Expense / Interest Expense | 2.05 | 3.11 | 2.56 | 1.72 | 1.69 | |||||
Growth Over Prior Year | ||||||||||
Net Interest Income, 1 Yr. Growth % | -8.31 | 8.51 | 14.96 | -7.41 | 0.12 | |||||
Non Interest Income, 1 Yr. Growth % | 4.73 | -3.4 | 3.15 | 21.68 | 14.2 | |||||
Provision For Loan Losses, 1 Yr. Growth % | 101.03 | -44.79 | -14.09 | -16.33 | -8.52 | |||||
Total Revenues, 1 Yr. Growth % | -12.15 | 13.11 | 11.53 | 8.22 | 8.8 | |||||
Earnings From Cont. Operations, 1 Yr. Growth % | -20.72 | 23.85 | 0.62 | 20.55 | 9.27 | |||||
Net Income, 1 Yr. Growth % | -20.94 | 24.92 | 1.71 | 17.45 | 7.9 | |||||
Normalized Net Income, 1 Yr. Growth % | -21.7 | 27.39 | 12.98 | 2.06 | 7.76 | |||||
Diluted EPS Before Extra, 1 Yr. Growth % | -21.5 | 20.82 | -1.24 | 16.6 | 7.8 | |||||
Dividend Per Share, 1 Yr. Growth % | -18.75 | 11.54 | 0 | 3.45 | 1.67 | |||||
Gross Loans, 1 Yr. Growth % | -0.34 | 3.93 | 4.52 | 7.96 | 4.75 | |||||
Allowance For Loan Losses, 1 Yr. Growth % | 14.36 | 3.36 | -1.4 | -11.93 | -1.29 | |||||
Net Loans, 1 Yr. Growth % | 0.11 | 5.65 | 6.14 | 9.38 | 5.61 | |||||
Non Performing Loans, 1 Yr. Growth % | -15.76 | -5.4 | -16.65 | -6.57 | -3.19 | |||||
Non Performing Assets, 1 Yr. Growth % | -15.05 | -5.15 | -15.68 | -6.04 | -3.61 | |||||
Total Assets, 1 Yr. Growth % | 2.69 | 3.65 | 6.71 | 8.39 | 4.64 | |||||
Total Deposits, 1 Yr Growth % | 0.92 | 4.96 | 7.27 | 7.24 | 7.02 | |||||
Tangible Book Value, 1 Yr. Growth % | 4.09 | 1.72 | 0.1 | 10.48 | -0.35 | |||||
Common Equity, 1 Yr. Growth % | 3.51 | 1.63 | 0.17 | 10.37 | -0.71 | |||||
Total Equity, 1 Yr. Growth % | 3.62 | 1.66 | 0.41 | 10.2 | -0.45 | |||||
Compound Annual Growth Rate Over Two Years | ||||||||||
Net Interest Income, 2 Yr. CAGR % | -4.16 | -0.25 | 11.69 | 3.1 | -3.72 | |||||
Non Interest Income, 2 Yr. CAGR % | 6.9 | 0.79 | -0.18 | 7.17 | 17.88 | |||||
Provision For Loan Losses, 2 Yr. CAGR % | 70 | 6.01 | -31.13 | -15.71 | -12.52 | |||||
Total Revenues, 2 Yr. CAGR % | -5.47 | -0.33 | 12.32 | 7.37 | 8.51 | |||||
Earnings From Cont. Operations, 2 Yr. CAGR % | -10.33 | -0.91 | 11.63 | 7.49 | 14.77 | |||||
Net Income, 2 Yr. CAGR % | -10.62 | -0.62 | 12.72 | 7.46 | 12.58 | |||||
Normalized Net Income, 2 Yr. CAGR % | -11.24 | 0.01 | 19.97 | 7 | 4.87 | |||||
Diluted EPS Before Extra, 2 Yr. CAGR % | -11.85 | -2.61 | 9.24 | 5.51 | 12.11 | |||||
Dividend Per Share, 2 Yr. CAGR % | -4.49 | -4.8 | 5.61 | 1.71 | 2.55 | |||||
Gross Loans, 2 Yr. CAGR % | -0.14 | 1.78 | 4.23 | 6.21 | 6.34 | |||||
Allowance For Loan Losses, 2 Yr. CAGR % | 5.98 | 8.72 | 0.95 | -6.84 | -6.76 | |||||
Net Loans, 2 Yr. CAGR % | 0.74 | 2.85 | 5.89 | 7.72 | 7.48 | |||||
Non Performing Loans, 2 Yr. CAGR % | -3.31 | -10.73 | -11.2 | -11.75 | -4.9 | |||||
Non Performing Assets, 2 Yr. CAGR % | -3 | -10.24 | -10.57 | -10.99 | -4.84 | |||||
Total Assets, 2 Yr. CAGR % | 3.04 | 3.17 | 5.17 | 7.57 | 6.5 | |||||
Total Deposits, 2 Yr CAGR % | 1.03 | 2.92 | 6.11 | 7.21 | 7.13 | |||||
Tangible Book Value, 2 Yr. CAGR % | 6.48 | 2.9 | 0.91 | 5.02 | 4.93 | |||||
Common Equity, 2 Yr. CAGR % | 5.87 | 2.57 | 0.9 | 5.02 | 4.69 | |||||
Total Equity, 2 Yr. CAGR % | 5.86 | 2.63 | 1.03 | 5.01 | 4.74 | |||||
Compound Annual Growth Rate Over Three Years | ||||||||||
Net Interest Income, 3 Yr. CAGR % | -2.99 | -0.11 | 4.58 | 4.87 | 2.1 | |||||
Non Interest Income, 3 Yr. CAGR % | 6.15 | 3.49 | 1.57 | 3.52 | 9.46 | |||||
Provision For Loan Losses, 3 Yr. CAGR % | 32.9 | 17.34 | -1.17 | -26.8 | -13.38 | |||||
Total Revenues, 3 Yr. CAGR % | -2.47 | 0.35 | 3.48 | 9.25 | 7.84 | |||||
Earnings From Cont. Operations, 3 Yr. CAGR % | -4.84 | -0.14 | -0.41 | 12.69 | 8.08 | |||||
Net Income, 3 Yr. CAGR % | -4.84 | -0.07 | 0.15 | 12.99 | 7.61 | |||||
Normalized Net Income, 3 Yr. CAGR % | -5.28 | 0.22 | 4.16 | 13.4 | 7.25 | |||||
Diluted EPS Before Extra, 3 Yr. CAGR % | -7.14 | -2.08 | -2.16 | 10.39 | 6.27 | |||||
Dividend Per Share, 3 Yr. CAGR % | -1.85 | 0.58 | -3.23 | 4.89 | 1.7 | |||||
Gross Loans, 3 Yr. CAGR % | 1.09 | 1.2 | 2.68 | 5.44 | 5.72 | |||||
Allowance For Loan Losses, 3 Yr. CAGR % | 11.7 | 5.1 | 5.24 | -3.56 | -5.03 | |||||
Net Loans, 3 Yr. CAGR % | 1.99 | 2.35 | 3.93 | 7.03 | 7.01 | |||||
Non Performing Loans, 3 Yr. CAGR % | 0.36 | -4.01 | -12.75 | -9.68 | -8.99 | |||||
Non Performing Assets, 3 Yr. CAGR % | 0.51 | -3.72 | -12.09 | -9.09 | -8.6 | |||||
Total Assets, 3 Yr. CAGR % | 3.84 | 3.25 | 4.34 | 6.25 | 6.58 | |||||
Total Deposits, 3 Yr CAGR % | 2.64 | 2.33 | 4.35 | 6.46 | 7.15 | |||||
Tangible Book Value, 3 Yr. CAGR % | 5.51 | 4.87 | 1.96 | 3.91 | 3.2 | |||||
Common Equity, 3 Yr. CAGR % | 4.98 | 4.44 | 1.76 | 3.88 | 3.07 | |||||
Total Equity, 3 Yr. CAGR % | 5.03 | 4.44 | 1.89 | 3.88 | 3.16 | |||||
Compound Annual Growth Rate Over Five Years | ||||||||||
Net Interest Income, 5 Yr. CAGR % | -0.04 | 1.16 | 2.64 | 1.16 | 1.15 | |||||
Non Interest Income, 5 Yr. CAGR % | 6.12 | 3.76 | 3.65 | 4.95 | 5.91 | |||||
Provision For Loan Losses, 5 Yr. CAGR % | 22.26 | -1.92 | 2.42 | 2.79 | -6.09 | |||||
Total Revenues, 5 Yr. CAGR % | 0.46 | 3.04 | 3.19 | 3.1 | 4.5 | |||||
Earnings From Cont. Operations, 5 Yr. CAGR % | -0.78 | 3.63 | 1.44 | 2.85 | 4.39 | |||||
Net Income, 5 Yr. CAGR % | -1.06 | 3.73 | 1.83 | 2.88 | 4.24 | |||||
Normalized Net Income, 5 Yr. CAGR % | -1.28 | 4.46 | 4.17 | 2.88 | 4.29 | |||||
Diluted EPS Before Extra, 5 Yr. CAGR % | -4.35 | 0.54 | -0.91 | 0.89 | 2.62 | |||||
Dividend Per Share, 5 Yr. CAGR % | -0.75 | 2.21 | 1.07 | 1.03 | -0.96 | |||||
Gross Loans, 5 Yr. CAGR % | 1.7 | 1.74 | 2.34 | 3.17 | 4.12 | |||||
Allowance For Loan Losses, 5 Yr. CAGR % | 13.33 | 8.37 | 7.27 | 0.15 | 0.25 | |||||
Net Loans, 5 Yr. CAGR % | 2.6 | 2.65 | 3.53 | 4.47 | 5.33 | |||||
Non Performing Loans, 5 Yr. CAGR % | 6.42 | -0.02 | -4.44 | -7.19 | -9.69 | |||||
Non Performing Assets, 5 Yr. CAGR % | 6.6 | 0.17 | -4.08 | -6.7 | -9.26 | |||||
Total Assets, 5 Yr. CAGR % | 3.88 | 3.83 | 4.37 | 4.95 | 5.2 | |||||
Total Deposits, 5 Yr CAGR % | 2.89 | 3.77 | 4.02 | 4.25 | 5.44 | |||||
Tangible Book Value, 5 Yr. CAGR % | 7.28 | 5.28 | 3.64 | 4.93 | 3.08 | |||||
Common Equity, 5 Yr. CAGR % | 6.48 | 4.6 | 3.32 | 4.67 | 2.87 | |||||
Total Equity, 5 Yr. CAGR % | 6.52 | 4.67 | 3.41 | 4.67 | 2.95 |
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