BIMB Integrated Annual Report 2019

Notes: * Gross Impaired Financing Ratio = Gross Impaired Financing and Advances/Gross Financing and Advances ** Net Impaired Financing Ratio = (Gross Impaired Financing and Advances – Impairment Allowances)/(Gross Financing and Advances – Impaired Allowances) *** Efficiency ratios are derived based on Profit After Zakat and Tax FINANCIAL YEAR ENDED 31 DECEMBER 2019 2018 2017 2016 2015 STATEMENT OF COMPREHENSIVE INCOME Revenue RM’000 5,381,646 4,516,773 3,721,598 3,528,198 3,310,607 Profit Before Zakat and Tax RM’000 1,205,014 1,065,455 948,330 869,201 834,436 Profit After Zakat and Tax RM’000 935,369 801,421 703,630 629,664 612,947 Net Profit Attributable to Owners of The Company RM’000 786,920 682,055 619,838 559,040 547,275 STATEMENT OF FINANCIAL POSITION Share Capital RM’000 4,307,819 4,082,939 3,875,270 1,588,680 1,542,210 Shareholders’ Equity RM’000 5,894,432 5,025,719 4,533,939 3,882,852 3,413,658 Deposits from Customers RM’000 46,752,714 49,433,546 45,870,596 45,491,753 43,118,529 Takaful Liabilities RM’000 8,684,208 7,438,855 6,962,313 6,639,096 6,588,888 Financing, Advances and Others RM’000 49,472,522 45,680,680 42,113,420 39,189,274 34,294,690 Investment Securities RM’000 18,441,379 17,089,720 14,621,392 15,164,085 15,110,375 Total Assets RM’000 77,263,493 72,388,541 65,784,634 63,145,127 57,363,828 PER SHARE DATA Earnings Per Share sen 44.75 40.36 37.94 35.25 35.53 Net Assets Per Share RM 3.34 2.97 2.77 2.44 2.21 FINANCIAL POSITION STRENGTH Financing to Available Fund Ratio % 79.61 77.48 80.48 76.62 76.18 Gross Impaired Financing Ratio* % 0.86 0.92 0.93 0.98 1.09 Net Impaired Financing Ratio** % (0.64) (0.80) (0.41) (0.75) (0.83) EFFICIENCY*** Return on Equity % 15.70 15.39 15.40 15.91 17.81 Return on Assets % 1.25 1.16 1.09 1.05 1.11 DIVIDENDS Gross Dividend Per Share sen 16.00 15.50 14.00 13.00 12.20 VALUATION Price Earnings Ratio times 9.83 8.82 11.60 11.97 10.78 Market Capitalisation RM’000 7,762,845 6,029,095 7,206,060 6,704,230 5,906,663 Integrated Annual Report 2019 Group Overview Sustaining The Group Management Discussion & Analysis Group Governance 06 FINANCIAL HIGHLIGHTS