Q3 2023 Financial Results
Appendix
%
2019
2020
2021
2022
Sep-23
Industryb
Net interest margin on yielding assets
2.15
1.95
2.22
2.39
2.22
N/A
Net return on equity*
13.6
11.2
12.4
12.8
13.1
N/A
Profitability
Ratios
Pre-tax return on average assets
1.7
1.4
1.6
1.8
1.7
1.3
Cost to income ratio
34.4
34.6
31.6
31.5
33.7
48.1
Non interest income/Total income
21.6
24.9
20.9
18.0
19.1
33.1
Gross loan to fund ratio~
88.9
90.2
90.1
91.4
92.5
82.5^
Liquidity
Gross loan to fund and equity ratio~
79.2
80.0
80.0
81.1
81.9
71.9^#
Liquidity coverage ratio
133.5
138.0
127.3
127.7
131.4
151.5
Gross impaired loans ratio
0.49
0.36
0.31
0.42
0.58
1.72
Asset Quality
Loan loss coverage ratio
124.1
227.7
360.7
272.0
186.9
91.2
Credit cost ratio
0.05
0.33
0.34
0.10
0.02
0.14
Common equity Tier I capital ratio™
13.5
14.0
14.5
14.6
14.5
14.5
Capital
Tier I capital ratio™
13.5
14.0
14.6
14.6
14.5
15.0
Adequacy
Total capital ratio"
16.8
17.1
17.7
17.6
17.4
18.1
Domestic market share
Commercial property financing
35.0
35.0
34.2
33.4
32.9
N/A
Residential property financing
19.9
20.0
20.5
20.6
20.5
N/A
Market Share
Passenger vehicle financing
29.4
29.8
29.9
30.2
30.5
N/A
Domestic loans
17.3
17.7
17.4
17.4
17.6
N/A
Domestic deposits
16.5
16.5
16.2
16.3
16.5
N/A
+
Based on average equity adjusted with proposed dividend, if any
~
Gross loans exclude loans/financing sold to Cagamas. Funds include deposits from customers and debt securities issued and
other borrowed funds
Λ
Loans exclude loans extended to banking institutions
# Equity comprises ordinary and preferred shares and retained earnings
π
After deducting interim dividends declared subsequent to end of period/year
b
Based on latest available industry statistics
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