Key Financial Data
Key Financial Data
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Group
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Bank
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2009
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2010
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2009
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2010
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PROFITABILITY (RM Million) *
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Operating revenue
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17,586 | 18,560 | 13,065 | 13,280 |
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Operating profit
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3,064 | 5,429 | 2,687 | 4,787 |
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Profit before taxation
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1,674 | 5,370 | 383 | 4,787 |
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Profit/(loss) after taxation and minority interest
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692 | 3,818 | -331 | 3,553 |
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Profit after taxation and minority interest before impairment of goodwill/subsidiaries/associate
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2,665 | 3,818 | 2,457 | 3,553 |
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KEY BALANCE SHEET DATA (RM Million)*
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Total assets
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310,739 | 336,700 | 238,277 | 248,392 |
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Securities portfolio
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57,727 | 54,170 | 47,020 | 47,544 |
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Loans, advances and financing
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185,783 | 205,555 | 144,432 | 151,470 |
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Total liabilities
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284,971 | 308,035 | 215,767 | 223,135 |
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Deposit from customers
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212,599 | 236,910 | 163,453 | 175,380 |
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Commitments and contingencies
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221,587 | 232,273 | 201,854 | 213216 |
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Paid-up capital
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7,078 | 7,078 | 7,078 | 7,078 |
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Shareholders' equity
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24,899 | 27,877 | 22,510 | 25,257 |
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SHARE INFORMATION *
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Per share (sen)
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Basic earnings (sen) ***
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12.0 | 53.9 | -5.7 | 50.2 |
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Diluted earnings (sen) ***
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12.0 | 53.9 | -5.7 | 50.2 |
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Gross dividend (sen)
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8.0 | 55.0 | 8.0 | 55.0 |
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Net tangible assets (sen)
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351.8 | 393.9 | 318.0 | 356.8 |
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FINANCIAL RATIOS (%) *
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Profitability Ratios
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Net interest margin on average interest-earning assets
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2.8 | 2.9 | 2.4 | 2.4 |
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Net interest on average risk-weighted assets
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3.4 | 3.5 | 2.7 | 2.9 |
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Net return on average shareholders' funds
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3.1 | 14.5 | -1.7 | 14.9 |
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Net return on average assets
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0.2 | 1.2 | -0.1 | 1.5 |
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Net return on average risk-weighted assets
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0.3 | 1.6 | -0.2 | 1.9 |
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Cost to income ratio
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52.8 | 49.8 | 48.5 | 43.9 |
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CAPITAL ADEQUACY RATIOS (%) (after deducting proposed final dividend) **
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Core capital ratio
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10.8 | 10.1-11.0 | 14.1 | 13.8-14.9 |
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Risk-weighted capital ratio
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14.8 | 13.7-14.6 | 14.1 | 13.8-14.9 |
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ASSET QUALITY RATIOS *
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Net non-performing loans ratio (3 month classification) (%)
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1.6 | 1.2 | 1.7 | 1.3 |
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Loan loss coverage (%)
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112.9 | 124.5 | 114.9 | 120.9 |
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Gross loan to deposit ratio (%)
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87.4 | 86.8 | 88.4 | 86.4 |
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Deposits to shareholders' fund (times)
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8.5 | 8.5 | 7.3 | 6.9 |
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VALUATIONS ON SHARE *
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Gross dividend yield (%)
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1.4 | 7.3 | - | - |
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Dividend payout ratio (%)
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61.4 | 76.5 | - | - |
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Price to earnings multiple (times)****
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49.2 | 14.0 | - | - |
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Price to book multiple (times)
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1.7 | 1.9 | - | - |
* Comparative figures were reclassified to conform with current year presentation.
** The Bank Negara Malaysia Guidelines on Market Risk Capital Adequacy Framework are effective from 1 April 2005.
*** Adjusted for rights issue completed on 30 April 2009 and bonus issue of 1:4 completed on 20 February 2008.
**** Price to earnings multiple (times); (2009) 12.8 times (before impairment of goodwill/subsidiaries/associate).
***** The capital adequacy ratios for 2010 present the two range of extreme possibilities, i.e.
(i) where the full electable portion is not reinvested; and
(ii) where the full electable portion is reinvested in new ordinary shares in accordance with the Dividend Reinvestment Plan.
