Kindly analyze the following ratios: Debt-to-Equity Ratio Asset-to-Equity Ratio Asset-to-Liability Ratio Interest Rate Coverage Ratio Earnings per share (EPS) RIZAL COMMERCIAL BANKING CORPORATION AND SUBSIDIARIES Consolidated Parent Unaudited Audited Unaudited Audited 31-Mar-22 31-Dec-21 31-Mar-22 31-Dec-21 Return on Average Assets (ROA)* 1/ 0.9% 0.8% 0.9% 0.9% Return on Average Equity (ROE)* 2/ 8.0% 6.7% 8.0% 6.7% Risk-based Capital Adequacy Ratio (CAR) 14.8% 15.2% 14.5% 14.9% Common Equity Tier 1 Ratio 11.7% 12.2% 11.3% 11.8% Non-Performing Loans (NPL) Ratio* 3/ 3.2% 3.3% 3.1% 3.2% Non-Performing Assets (NPA) Ratio*4/ 2.6% 2.7% 2.5% 2.6% Net Interest Margin (NIM) 4.1% 4.1% 4.0% 4.1% Cost-to-Income Ratio 59.4% 61.9% 58.6% 61.4% Loans-to-Deposit Ratio* 5/ 76.6% 76.3% 75.3% 74.9% Current Ratio 0.5 0.6 0.5 0.6 Liquid Assets-to-Total Assets Ratio 0.2 0.2 0.1 0.2 Debt-to-Equity Ratio 7.8 7.6 7.8 7.6 Asset-to-Equity Ratio 8.8 8.6 8.8 8.6 Asset-to-Liability Ratio 1.1 1.1 1.1 1.1 Interest Rate Coverage Ratio 2.1 1.9 2.1 2.0 Earnings per share (EPS) * 6/ Quarter-to-date Basic and Diluted PHP 0.93 PHP 0.74 PHP 0.93 PHP 0.74 Year-to-date Basic and Diluted PHP 0.93 PHP 3.09 PHP 0.93 PHP 3.09 Basic and Diluted PHP 3.77 PHP 3.09 PHP 3.77 PHP 3.09
Financial Ratios
A Ratio refers to a figure calculated as a reference to the relationship of two or more numbers and can be expressed as a fraction, proportion, percentage, or the number of times. When the number is determined by taking two accounting numbers derived from the financial statements, it is termed as the accounting ratio.
Return on Equity
The Return on Equity (RoE) is a measure of the profitability of a business concerning the funds by its stockholders/shareholders. ROE is a metric used generally to determine how well the company utilizes its funds provided by the equity shareholders.
Kindly analyze the following ratios:
-
Debt-to-Equity Ratio
Asset-to-Equity Ratio
Asset-to-Liability Ratio
Interest Rate Coverage Ratio
Earnings per share (EPS)
|
RIZAL COMMERCIAL BANKING CORPORATION AND SUBSIDIARIES |
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|
Consolidated |
Parent |
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|
Unaudited |
Audited |
Unaudited |
Audited |
|
|
31-Mar-22 |
31-Dec-21 |
31-Mar-22 |
31-Dec-21 |
|
|
|
0.9% |
0.8% |
0.9% |
0.9% |
|
|
8.0% |
6.7% |
8.0% |
6.7% |
|
Risk-based Capital Adequacy Ratio (CAR) |
14.8% |
15.2% |
14.5% |
14.9% |
|
Common Equity Tier 1 Ratio |
11.7% |
12.2% |
11.3% |
11.8% |
|
Non-Performing Loans (NPL) Ratio* 3/ |
3.2% |
3.3% |
3.1% |
3.2% |
|
Non-Performing Assets (NPA) Ratio*4/ |
2.6% |
2.7% |
2.5% |
2.6% |
|
Net Interest Margin (NIM) |
4.1% |
4.1% |
4.0% |
4.1% |
|
Cost-to-Income Ratio |
59.4% |
61.9% |
58.6% |
61.4% |
|
Loans-to-Deposit Ratio* 5/ |
76.6% |
76.3% |
75.3% |
74.9% |
|
Current Ratio |
0.5 |
0.6 |
0.5 |
0.6 |
|
Liquid Assets-to-Total Assets Ratio |
0.2 |
0.2 |
0.1 |
0.2 |
|
Debt-to-Equity Ratio |
7.8 |
7.6 |
7.8 |
7.6 |
|
Asset-to-Equity Ratio |
8.8 |
8.6 |
8.8 |
8.6 |
|
Asset-to-Liability Ratio |
1.1 |
1.1 |
1.1 |
1.1 |
|
Interest Rate Coverage Ratio |
2.1 |
1.9 |
2.1 |
2.0 |
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Earnings per share (EPS) * 6/ |
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|
Quarter-to-date Basic and Diluted |
PHP 0.93 |
PHP 0.74 |
PHP 0.93 |
PHP 0.74 |
|
Year-to-date Basic and Diluted |
PHP 0.93 |
PHP 3.09 |
PHP 0.93 |
PHP 3.09 |
|
Basic and Diluted |
PHP 3.77 |
PHP 3.09 |
PHP 3.77 |
PHP 3.09 |
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