Investor Presentaiton
Glossary
Metric
Abbreviation Definition
Size
Loans and Advances Growth
Deposits Growth
L&A
YoY growth in EOP net loans and advances for the top 10
YoY growth in EOP customer deposits for the top 10
Liquidity
Loan-to-Deposit Ratio
LDR
Income &
Operating Income Growth
Operating Income / Assets
Non-Interest Income /
Operating Income
Net Interest Margin
(Net EOP loans and advances / EOP customer deposits) for the top 10
YoY growth in aggregate annual operating income generated by the top 10
(Annual operating income / annual average assets) for the top 10
(Annual non-interest income / annual operating income) for the top 10
(Aggregate annual net interest income) / (annual average earning assets) for the top 10
Operating
NIM
Earnings assets are defined as total assets excluding goodwill, intangible assets, and property and equipment
Efficiency
Yield on Credit
YOC
(Annual gross interest income / annual average loans & advances) for the top 10
Cost of Funds
COF
(Annual interest expense + annual capital notes & tier I sukuk interest) / (annual average interest bearing liabilities + annual
average capital notes & tier I sukuk interest) for the top 10
Cost-to-Income Ratio
C/I
(Annual operating expenses / annual operating income) for the top 10
Coverage Ratio
(Loan loss reserves / non-performing loans) for the top 10
Risk
Cost of Risk
COR
(Annual provision expenses net of recoveries / annual average gross loans) for the top 10
Return on Equity
RoE
(Annual net profit attributable to the equity holders of the banks - annual capital notes & tier I sukuk interest) / (annual average
equity excluding capital notes) for the top 10
Profitability
Return on Assets
ROA
(Annual net profit/ annual average assets) for the top 10
Capital
Return on Risk-Weighted Assets
Capital Adequacy Ratio
RoRWA
(Annual net profit generated / annual average risk-weighted assets) for the top 10
CAR
(EOP tier I capital + tier II capital) / (EOP risk-weighted assets) for the top 10
Note: LTM and EOP stand for last twelve months and end of period respectively
15
ALVAREZ & MARSALView entire presentation