PowerPoint Presentation · Title: PowerPoint Presentation Author: Jafar Created Date: 5/25/2020...

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MAIN TEXT

ACCESS BANK PLC CHART REPORT

2018

10 Ratios You Need to Know

SECTION ONE

To see all 40+ financial ratio analysis, subscribe to BusinessDay-EUA Financial Intelligence Reports

3

ACCESS BANK NET INTEREST MARGIN (2014-2018)

6.20%

6.00%

6.20%

5.80%

5.30%

5.77%

5.90%

4.80%

5.00%

5.20%

5.40%

5.60%

5.80%

6.00%

6.20%

6.40%

2014 2015 2016 2017 2018 3 Yr Average 5 Yr Average

Net interest margin (NIM) is a measurement comparing the net interest income a financial firm generates from credit products like loans and mortgages, with the outgoing

interest it pays holders of savings accounts and certificates of deposit

4

ACCESS BANK EARNINGS PER SHARE (2014-2018)

1.49

2.282.47

2.08

3.28

2.61

2.32

0.00

0.50

1.00

1.50

2.00

2.50

3.00

3.50


Earnings per share is calculated as a company's profit divided by the total outstanding shares of its common stock. The resulting number serves as an indicator of a company's

profitability.

5

ACCESS BANK RETURN ON AVERAGE ASSET (2014-2018)

2.18%

2.81%

2.35%

1.58%

2.10% 2.01%2.20%

0.00%

0.50%

1.00%

1.50%

2.00%

2.50%

3.00%


Return on average assets (ROAA) is an indicator used to assess the profitability of a firm's assets, and it often used by banks and other companies as a means to gauge financial

performance.

6

ACCESS BANK RETURN ON AVERAGE EQUITY (2014-2018)

16.47%

20.42%

17.38%

12.44%

18.96%

16.26%17.13%

0.00%

5.00%

10.00%

15.00%

20.00%

25.00%


Return on average equity (ROAE) is a financial ratio that measures the performance of a company based on its average shareholders' equity outstanding.

7

ACCESS BANK LOAN TO DEPOSIT (2014-2018)

54.10%

68.70%74.00%

70.90% 71.40% 72.10%67.82%

0.00%

10.00%

20.00%

30.00%

40.00%

50.00%

60.00%

70.00%

80.00%


The loan-to-deposit ratio (LDR) is used to assess a bank's liquidity by comparing a bank's total loans to its total deposits for the same period. The LDR is expressed as a percentage. If

the ratio is too high, it means that the bank may not have enough liquidity to cover any unforeseen fund requirements

8

ACCESS BANK DEBT TO EQUITY (2014-2018)

Debt here incorporates both short-term and long-term debts. The debt-to-equity (D/E) ratio is calculated by dividing a company’s total liabilities by its shareholder equity. These numbers are

available on the balance sheet of a company’s financial statements.

0.29

0.630.66

0.61

0.79

0.69

0.60

0.00

0.10

0.20

0.30

0.40

0.50

0.60

0.70

0.80

0.90


9

ACCESS BANK CAPITAL ADEQUACY RATIO (2014-2018)

19.90% 20.10%21.00%

22.50%

18.50%

20.67% 20.40%

0.00%

5.00%

10.00%

15.00%

20.00%

25.00%


The capital adequacy ratio (CAR) is a measurement of a bank's available capital expressed as a percentage of a bank's risk-weighted credit exposures. CAR, also known as capital-to-risk weighted

assets ratio (CRAR), is used to protect depositors and promote the stability and efficiency of financial systems around the world. The CAR is a ratio of a banks equity as a percentage of its total risk assets.

10

ACCESS BANK COST TO INCOME RATIO (2014-2018)

Cost-to-income ratio is the measure of the costs of running a company in relation to its operating income. The higher the ratio, the greater the risk of zero profitability.

62.20%61.90%

58.80%

62.00% 62.20%

61.00%61.42%

57.00%

58.00%

59.00%

60.00%

61.00%

62.00%

63.00%


11

ACCESS BANK TIMES INTEREST EARNED (2014-2018)

1.30

1.03

1.29

1.05

0.84

1.06 1.10

0.00

0.20

0.40

0.60

0.80

1.00

1.20

1.40


The times interest earned ratio is a measure of a company's ability to meet its debt obligations based on its current income. The formula for a company's TIE number is earnings before interest

and taxes (EBIT) divided by the total interest payable on bonds and other debt.

12

ACCESS BANK NON-PERFORMING LOANS COVERAGE RATIO (2014-2018)

154.00%

216.40%

169.00%

106.00%

160.00%145.00%

161.08%

0.00%

50.00%

100.00%

150.00%

200.00%

250.00%


The non-performing loan coverage ratio measure of a bank's ability to absorb potential losses from its non-performing loans. Formula: (Loans - Reserve balance)/Total amount of

non-performing loans.

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PowerPoint Presentation · Title: PowerPoint Presentation Author: Jafar Created Date: 5/25/2020...

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