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Banks Ratios

The document provides financial ratios for GCB Bank, NIB Bank, and ADB Bank over several years from 2009-2015. Some key ratios that fluctuated over the years included return on equity (ROE), profit after tax margin, non-performing loans to total loans, liquid assets to total deposits, and net loans to total deposits. Overall the ratios indicate variations in profitability, portfolio quality, and liquidity for the banks over the time period shown.

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YAKUBU ISSAHAKU SAID
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52 views

Banks Ratios

The document provides financial ratios for GCB Bank, NIB Bank, and ADB Bank over several years from 2009-2015. Some key ratios that fluctuated over the years included return on equity (ROE), profit after tax margin, non-performing loans to total loans, liquid assets to total deposits, and net loans to total deposits. Overall the ratios indicate variations in profitability, portfolio quality, and liquidity for the banks over the time period shown.

Uploaded by

YAKUBU ISSAHAKU SAID
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as DOCX, PDF, TXT or read online on Scribd
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GCB BANK's RATIOS

2015 2014 2013 2012 2011 2010 2009 20


Profitability & Efficiency Ratios
Profit After Tax/Equity 16.5 25.89% 44.99% 49.07% 9.84% 27.65% 9.11% 18.1
Return on equity(ROE) 20.47% 35.23% 32.99% 5.77% 14.49% 9.01% 19.9
Profit after tax margin 4.04% 5.93% 4.66% 0.68% 2.31% 0.95% 2.25%
Return on assets(ROA) 19.71% 16.84% 14.14% 11.79% 15.95% 10.49% 11.2
Non Interest Expenses/Operating 51.31% 47.35% 52.65% 86.06% 57.88% 23.58% 23.3
Income
Non-Interest Income/Operating Income 28.37% 19.47% 22.64% 28.51% 15.45% 34.48% 28.8
Non-Interest Income/Earning Asset 7.30% 3.86% 3.92% 4.32% 3.13% 4.14% 3.86%

Portfolio Quality Ratios


Non Performing Loans/Gross Loans 13.50 12.42 17.00 26.00 15.00 19.00 2.00
Impairment Charge/Gross Loans 1.75% 0.96% 1.07% 1.74% 6.33% 2.78% 0.80%
Int.Inc (Loans & Adv) - Prov.
Bad&Doubtful/Net Loans 12.16% 7.90% -0.98% -1.11% 17.50% 12.11% 11.2

Liquidity Ratios
Liquid Asset /Total Deposits 85.19% 78.15% 80.26% 79.19% 50.68% 28.82% 41.6
Liquid Asset /Total Asset 61.95% 60.62% 63.04% 66.50% 38.66% 18.93% 26.0
Liquid Asset/Earning Asset 80.87% 71.42% 77.11% 85.53% 49.08% 21.66% 30.9
Net Loans/Total Deposit 43.79% 43.00% 37.94% 33.64% 74.18% 115.27% 111.0
Net Loans/Total Asset 31.85% 33.35% 29.81% 28.25% 56.59% 75.73% 69.5

NIB'S RATIOS
2014 2013 2012 2011 2010 2009 2008
Profitability & Efficiency Ratios
Return on equity(ROE) 16.31% 13.50% 11.61% 9.03% -0.83% 31.39% 83.32%
Profit after tax margin 25.23% 21.42% 8.25% 6.36% -0.52% 20.40% 38.56%
Return on assets(ROA) 3.42% 3.24% 1.33% 0.86% -0.08% 3.50% 6.81%
Total operating income/total assets 10.07% 11.26% 10.92% 8.52% 8.39% 8.67% 11.90%
Cost Income Ratio 46.32% 45.69% 48.40% 51.13% 65.99% 76.74% 76.71%
Non-interest income to operating income 42.96% 58.76% 43.28% 46.04% 55.00% 37.41% 50.20%
Non-interest income to earning asset 7.76% 6.95% 4.24% 4.01% 5.07% 2.84% 5.10%

Portfolio Quality Ratios


Non performing loans to total loans 24.00 14.00 34.00 38.82 47.00 45.00
27.50
Imparirment charges to gross loans 2.26% 5.39% 75.79% 4.45% 4.39% 7.91% 12.54%

Loan portfolio profitability 5.56% -4.20% 1.15% -36.55% -19.27% -18.70% -13.87%

Liquidity Ratios
Liquid asset to total deposits 69.74% 57.89% 52.15% 50.73% 58.11% 50.74% 37.36%
Liquid asset to total asset 40.40% 36.94% 41.66% 41.73% 40.19% 31.43% 23.13%
Liquid asset to earning asset 48.93% 38.28% 43.66% 47.78% 46.88% 37.52% 28.34%
Net Loans to total deposit 57.27% 67.91% 64.19% 55.23% 65.55% 84.49% 94.47%
Net Loans to total asset 33.18% 43.33% 51.28% 45.43% 45.34% 52.33% 58.49%

ADB RATIOS
2014 2013 2012 2011 2010 2009 2008
Profitability & Efficiency Ratios
13.92 28.69 13.54 24.75 10.42
Return on equity(ROE) % % % % 10.96% % 13.74%
10.56 23.35 20.05
Profit after tax margin % % 9.28% % 6.52% 9.56% 14.64%
Return on assets(ROA) 2.22% 4.97% 1.85% 3.62% 1.21% 1.72% 2.39%
15.89 17.45 16.73 14.45 12.64
Total operating income/total assets % % % % 14.43% % 13.07%
27.42 13.95 29.72 77.78 66.72
Cost Income Ratio % % % % 86.38% % 70.24%
Non-interest income to operating income 39.40 38.17 34.49 53.91 54.96
% % % % 35.68% % 51.93%
10.00
Non-interest income to earning asset 8.55% 8.71% 7.08% % 6.40% 9.99% 9.10%
Portfolio Quality Ratios
Non performing loans to total loans 23.29 12.42 10.53 6.68 11.82 47.95 88.93
Imparirment charges to gross loans 0.05 0.04 0.03 0.01 0.01 0.04 0.02
11.80 14.41 11.45
Loan portfolio profitability 9.93% % % % 12.60% -0.19% 0.79%

Liquidity Ratios
57.98 51.57 53.71 46.08 58.91
Liquid asset to total deposits % % % % 54.06% % 47.35%
39.31 33.74 35.89 31.64 34.09
Liquid asset to total asset % % % % 30.04% % 24.23%
53.67 44.12 44.05 40.61 49.02
Liquid assets to earning asset % % % % 37.37% % 32.51%
76.88 86.17 80.17 82.00 107.63 87.70 116.00
Net Loans to total deposit % % % % % % %
52.12 56.38 53.57 56.29 50.76
Net Loans to total asset % % % % 59.82% % 59.37%

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