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FIVE-YEAR GROUP FINANCIAL SUMMARY

	2009	2008	2007	2006	2005
OPERATING RESULTS (RM' Million)
Operating profit	4,015	3,948	3,418	2,873	2,422
Profit before tax expense and zakat	3,321	3,379	3,004	2,416	2,059
Net profit attributable to equity holders of the Bank	2,517	2,581	2,124	1,727	1,459

KEY BALANCE SHEET DATA (RM'Million)
Total assets	217,136	196,163	174,155	147,790	111,689
Loans, advances and financing	135,336	118,386	99,328	82,788	66,813
Total liabilities	205,421	185,934	164,177	138,127	102,689
Deposits from customers	170,892	151,185	126,028	98,213	75,153
Paid-up capital	3,532	3,532	3,528	3,463	3,417
Shareholders' equity	11,023	9,537	9,342	9,034	8,564
Off-balance sheet exposures	61,435	52,867	40,807	33,359	28,952

FIVE-YEAR FINANCIAL RATIOS

2009

2008

2007

2006

2005

Profitability Ratios

Net interest margin on average interest bearing assets¹

3.2

3.4

3.6

Net return on equity²

26.1

30.4

26.3

21.9

19.1

Return on average assets

1.6

1.8

1.9

2.0

Return on average risk-weighted assets

2.8

3.2

3.3

3.2

3.3

Cost/income ratio

34.4

31.2

33.1

32.7

33.8

Productivity Ratios

No. of employees

17,169

16,160

14,287

13,396

12,800

Gross loans per employee (RM'000)

8,015

7,467

7,098

6,298

5,320

Deposits per employee (RM'000)

9,953

9,356

8,821

7,331

5,871

Profit before tax per employee (RM'000)

193

209

210

180

161

Asset Quality Ratios

Net loan to deposit ratio

79.2

78.3

78.8

84.3

88.9

Net non-performing loans ratio (3-mth classification)

0.8

0.9

1.2

1.6

1.7

Loan loss coverage

172.4

159.7

119.5

99.9

91.7

Capital Adequacy Ratios

Core capital ratio

10.5

8.3

9.1

10.2

11.6

Risk-weighted capital ratio

14.7

13.7

13.6

15.8

17.3

Capital fund (RM' Million)
- Tier 1 - equity capital
	- debt capital

- Tier 2 - loan loss reserves
	- debt capital

18,394

9,161

3,964

2,051

3,218

15,775

8,157

1,440

1,759

4,419

13,478

7,627

1,346

1,523

2,982

13,000

7,151

1,262

1,318

3,269

11,758

7,885

1,056

2,817

1. Excluding negotiable instruments of deposit and money market deposits which are on-lent to interbank.

2. Based on equity attributable to equity holders of the Bank, adjusted for dividend declared subsequent to year end.