first bank nigeria holdings financial performance · 11 fbnh times interest earned (2015-2019) 0.42...
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S U B T E X T
MAIN TEXT
FIRST BANK NIGERIA HOLDINGS FINANCIAL
PERFORMANCE
2019
10 Ratios You Need to Know
SECTION ONE
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3
FBNH NET INTEREST MARGIN(2015-2019)
8.10%
8.80%
8.40%
7.50%7.70%
7.87%
8.10%
6.50%
7.00%
7.50%
8.00%
8.50%
9.00%
2015 2016 2017 2018 2019 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
FBNH EARNINGS PER SHARE (2015-2019)
0.43 0.48
1.27
1.62
2.06
1.65
1.17
0.00
0.50
1.00
1.50
2.00
2.50
2015 2016 2017 2018 2019 3 Yr Average 5 Yr Average
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
FBNH RETURN ON AVERAGE ASSET (2015-2019)
0.37% 0.39%
0.91%
1.08%
1.25%
1.08%
0.80%
0.00%
0.20%
0.40%
0.60%
0.80%
1.00%
1.20%
1.40%
2015 2016 2017 2018 2019 3 Yr Average 5 Yr Average
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
FBNH RETURN ON AVERAGE EQUITY (2015-2019)
2.82% 2.95%
7.24%
9.70%
12.40%
9.78%
7.02%
0.00%
2.00%
4.00%
6.00%
8.00%
10.00%
12.00%
14.00%
2015 2016 2017 2018 2019 3 Yr Average 5 Yr Average
Return on average equity (ROAE) is a financial ratio that measures the performance of a company based on its average shareholders' equity outstanding.
7
FBNH LOAN TO DEPOSIT (2015-2019)
65.90%
77.10%
59.30%
72.50%
47.70%
59.83%64.50%
0.00%
10.00%
20.00%
30.00%
40.00%
50.00%
60.00%
70.00%
80.00%
90.00%
2015 2016 2017 2018 2019 3 Yr Average 5 Yr Average
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
FBNH DEBT TO EQUITY (2015-2019)
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.
0.44
0.54
0.62 0.64
0.38
0.55 0.53
0.00
0.10
0.20
0.30
0.40
0.50
0.60
0.70
2015 2016 2017 2018 2019 3 Yr Average 5 Yr Average
9
FBNH CAPITAL ADEQUACY RATIO (2015-2019)
17.10%
17.80% 17.70%
17.30%
15.50%
16.83%17.08%
14.00%
14.50%
15.00%
15.50%
16.00%
16.50%
17.00%
17.50%
18.00%
2015 2016 2017 2018 2019 3 Yr Average 5 Yr Average
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
FBNH COST TO INCOME RATIO (2015-2019)
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.
61.30%
47.00%
54.00%
63.40%70.00%
62.47%59.14%
0.00%
10.00%
20.00%
30.00%
40.00%
50.00%
60.00%
70.00%
80.00%
2015 2016 2017 2018 2019 3 Yr Average 5 Yr Average
11
FBNH TIMES INTEREST EARNED (2015-2019)
0.42
0.60
0.45
0.500.55
0.50 0.50
0.00
0.10
0.20
0.30
0.40
0.50
0.60
0.70
2015 2016 2017 2018 2019 3 Yr Average 5 Yr Average
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
FBNH NON-PERFORMING LOANS COVERAGE RATIO (2015-2019)
40.20%
57.30%61.90%
82.30%
47.50%
63.90%57.84%
0.00%
10.00%
20.00%
30.00%
40.00%
50.00%
60.00%
70.00%
80.00%
90.00%
2015 2016 2017 2018 2019 3 Yr Average 5 Yr Average
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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