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Liquidity Ratio
2012 2013 2014 2015 2016
51.76% 52.75% 187.27% 60.53% 86.11%
LIQUIDITY RATIO
200.00%
180.00%
160.00%
140.00%
120.00%
100.00%
80.00%
60.00%
40.00%
20.00%
0.00%
2012 2013 2014 2015 2016
Explanation
The liquidity ratio was 51.76% in 2012 which became 52.75% in 2013 and then moved to
187.27% in 2014 then dropped to 60.53% in 2016, increased to 86.11% in 2016
Leverage Ratio
LIQUIDITY RATIO
200.00%
180.00%
160.00%
140.00%
120.00%
100.00%
80.00%
60.00%
40.00%
20.00%
0.00%
2012 2013 2014 2015 2016
Explanation
The leverage ratio was 24.02% in 2012 and then went up to 55.16% till 2013 and then
decreased in 2014 to 34.16% then in 2015 became 35.11% which then increased to
60.88% in 2016.
Financial Leverage
2012 2013 2014 2015 2016
3.23% 3.57% 3.64% 4.11% 4.45%
FINANCIAL LEVERAGE
5.00%
4.50%
4.00%
3.50%
3.00%
2.50%
2.00%
1.50%
1.00%
0.50%
0.00%
2012 2013 2014 2015 2016
Explanation
Financial leverage of the bank was 3.23% in 2012 which increased to 3.57% in 2013 then in
2014 it became 4.11% and then increased to 4.45% in 2016.
Net Margin
2012 2013 2014 2015 2016
8.69% 16.59% 30.46% 35.39% 41.26%
NET MARGIN
45.00%
40.00%
35.00%
30.00%
25.00%
20.00%
15.00%
10.00%
5.00%
0.00%
2012 2013 2014 2015 2016
Comments
The Net Margin was 8.69% in 2012 which increased to 16.59% in 2013 then increased to
30.46% in 2014, it decreased 35.39% in 2015 which then went up to 41.26% in 2016.
Return on Assets
2012 2013 2014 2015 2016
0.65% 1.14% 2.14% 2.34% 2.25%
RETURN ON ASSETS
2.50%
2.00%
1.50%
1.00%
0.50%
0.00%
2012 2013 2014 2015 2016
Comments
The Return on Assets was 0.65% in 2012 which then increased to 1.14% in 2013, still
increased to 2.14% in 2014 and still up in 2.34% in 2015 then dropped in 2016 to 2.25%.
Operating Income
2012 2013 2014 2015 2016
0.42% 0.85% 1.04% 1.59% 1.48%
2.00%
1.50%
1.00%
0.50%
0.00%
2012 2013 2014 2015 2016
Expalanation
In 2012 the Operating Income was 0.42% which increased to in 2013; in 2014 it increased
to 0.85% in 2015 to 1.04% and then in 2015 it went up to 1.59% then slightly down to
1.48%
PRE TAX PROFIT MARGIN
2012 2013 2014 2015 2016
0.53% 0.98% 1.27% 2.01% 1.78%
2.00%
1.50%
1.00%
0.50%
0.00%
2012 2013 2014 2015 2016
Comments
The Pre Tax Profit Margin was 0.53% in 2012 which then increased to 0.98% in 2013, still
increased to 1.27% in 2014 and still up in 2.01% in 2015 then dropped in 2016 to 1.78%.
RETURN ON TOTTAL EQUITY
2012 2013 2014 2015 2016
19.97% 31.96% 58.82% 57.04% 50.50%
60.00%
50.00%
40.00%
30.00%
20.00%
10.00%
0.00%
2012 2013 2014 2015 2016
Comments
The Return on Total Equity was 19.97% in 2012 which then increased to 31.96% in 2013,
still increased to 58.82% in 2014 and decreased in 57.04% in 2015 then dropped in 2016
to 50.50%
GROSS PROFIT MARGIN
2012 2013 2014 2015 2016
0.53% 0.98% 1.27% 2.01% 1.78%
2.00%
1.50%
1.00%
0.50%
0.00%
2012 2013 2014 2015 2016
Comments
The Gross Profit Margin was 0.53% in 2012 which then increased to 0.98% in 2013, still
increased to 1.27% in 2014 and doubled to 2.01% in 2015 then dropped to 1.78% in 2016
GROSS RETURN ON ASSETS
2012 2013 2014 2015 2016
0.65% 1.14% 2.14% 2.34% 2.25%
2.00%
1.50%
1.00%
0.50%
0.00%
2012 2013 2014 2015 2016
Comments
The Return on Assets was 0.65% in 2012 which then increased to 1.14% in 2013, still
increased to 2.14% in 2014 and increased to 2.34% in 2015 then dropped to 2.25% in 2016
ACTIVITY RATIO
2012 2013 2014 2015 2016
80.11% 86.92% 81.42% 79.39% 83.13%
ACTIVITY RATIO
88.00%
86.00%
84.00%
82.00%
80.00%
78.00%
76.00%
74.00%
2012 2013 2014 2015 2016
Comments
The Activity Ratio was 80.11% in 2012 which then increased to 86.92% in 2013, it then
decreased to 81.42% in 2014 and decreased to 79.39% in 2015 then jumped to 83.13% in
2016
FIXED ASSETS
2012 2013 2014 2015 2016
1.31% 1.15% 2.88% 1.73% 1.70%
FIXED ASSETS
3.50%
3.00%
2.50%
2.00%
1.50%
1.00%
0.50%
0.00%
2012 2013 2014 2015 2016
Comments
The Fixed Assets were 1.31% in these decreased to 1.15% in 2013. The Fixed Assets then
increased to almost double (2.88%) in 2014 which then decreased to 1.73% in 2015 and still
down to 1.70% in 2016.
EARNING PER SHARE
Comments
The Earnings per Share were 0.06% in2012, these then increased to 0.07% till 2013 and then
jumped up to 0.11% till 2014 and further up to 0.18% in 2015 and to 0.19% till 2016.
BOOK VALUE PER SHARE
Comments
The Book Value per Share was 0.41% in 2012 which then slightly increased to 0.48% in 2013 and
to 0.59% in 2014. The value increased to 0.75% in 2015 then jumped to 0.93%.