first bank nigeria holdings financial performance · 11 fbnh times interest earned (2015-2019) 0.42...

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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


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%


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%


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%


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


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%


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%


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


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%


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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