Financial and balance sheet highlights, key ratios, capital ratio and other performance information
Description (USD million - Consolidated basis)
Balances , 31-Dec-15
Balances , 31-Dec-14
Total Assets
16,149
14,915
Customers' Deposits
12,187
11,147
Total Deposits & CDs
12,188
11,147
Total Loans to Customers
4,250
4,174
Performing Loans to Customers
4,253
4,171
Non-Perfomring Loans (net)
-2
3
Investment Securities
6,708
5,893
Shareholders' Equity (inlcuding Net Profit)
1,991
1,815
Net Profit of the Period
187
176
Ratio / Indicator
Profitability
Balances , 31-Dec-15
Balances , 31-Dec-14
Return on Average Assets (ROAA)
1.20%
1.23%
Return on Average Equity (ROAE)
9.81%
10.53%
Return on Average Common Equity (ROACE)
13.61%
16.24%
Asset Utilization Ratio
2.76%
2.89%
Cost to Income Ratio
43.88%
43.51%
Non Interest Income / Operating Income
34.00%
35.23%
Operating Efficiency
Balances , 31-Dec-15
Balances , 31-Dec-14
Number of Staff
1,835
1,732
Number of Branches and banking units
85
83
Total Deposits per average staff ($000's)
6,833
6,669
Total Deposits per branch ($000's)
143,379
134,300
Net Income per average staff ($000's)
105
105
Net Income per branch ($000's)
2,196
2,119
Liquidity & Cash Management
Balances , 31-Dec-15
Balances , 31-Dec-14
Loans to Deposits Ratio
34.88%
37.44%
Deposits / Asset
75.47%
74.74%
Total Liquid Assets / Total Liabilities
83.11%
80.71%
Capital Adequacy
Balances , 31-Dec-15
Balances , 31-Dec-14
Equity to Asset Ratio
12.33%
12.17%
Capital Adequacy Ratio - Basel III
13.61%
14.25%
Core Capital Adequacy Ratio - Basel III
13.51%
14.17%
Common Share Performance
Balances , 31-Dec-15
Balances , 31-Dec-14
Basic Earnings per Share (Basic EPS) (USD)
1.96
2.09
Dilutive Earnings per Share (USD)
1.96
2.09
Basic EPS / Common Share Market Price
10.30%
11.22%
Price to Common Earnings - P/E Ratio
9.71
8.91
Price to Common Book Value - M/B Ratio
1.28
1.37
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