BAFL Regional Banks
Finance
Mkt Cap
187.5B
P/E (TTM)
5.91
EPS
8.82
ROE
17.01%
Div Yield
16.09%
| FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | ||
|---|---|---|---|---|---|---|
| Regulatory Capital | ||||||
| CET1 Ratio | 11.24% | 12.74% | 11.47% | 9.51% | 10.15% | |
| Tier 1 Capital Ratio | 12.23% | 13.92% | 12.85% | 11.04% | 11.07% | |
| Tier 2 Capital Ratio | 3.46% | 3.84% | 3.59% | 2.65% | 3.26% | |
| Total Capital Ratio | 15.69% | 17.76% | 16.44% | 13.69% | 14.32% | |
| Tier 1 Capital | 167.79B | 160.29B | 125.85B | 97.80B | 84.94B | |
| Risk-Weighted Assets | 1.37T | 1.15T | 979.18B | 885.72B | 767.40B | |
| Asset Quality | ||||||
| Non-Performing Loans | 47.54B | 42.36B | 75.27B | 61.94B | 49.42B | |
| NPL Ratio (NPL/Gross Loans) | 0.04% | 0.04% | 0.09% | 0.08% | 0.07% | |
| Loan Loss Coverage | -0.10% | -0.08% | -0.49% | -0.29% | -0.09% | |
| NPL / Loan Loss Reserve | 0.98 | 0.90 | 1.78 | 1.86 | 1.96 | |
| Reserve / Gross Loans | 0.04% | 0.04% | 0.05% | 0.04% | 0.03% | |
| Profitability | ||||||
| Return on Equity (ROE) | 14.61% | 24.81% | 30.19% | 18.06% | 14.86% | |
| Return on Assets (ROA) | 0.74% | 1.13% | 1.30% | 0.92% | 0.92% | |
| Operating Margin | 33.55% | 50.71% | 50.58% | 39.06% | 36.95% | |
| Net Margin | 15.51% | 24.06% | 23.98% | 18.64% | 23.15% | |
| Yield on Earning Assets | 10.99% | 16.49% | 16.79% | 12.27% | 7.37% | |
| Interest Income / Deposits | 6.79% | 6.92% | 7.96% | 6.56% | 5.04% | |
| Deposit & Loan Structure | ||||||
| Deposits / Total Assets | 0.57% | 0.51% | 0.54% | 0.61% | 0.59% | |
| Loans / Deposits (ADR) | 0.54% | 0.63% | 0.45% | 0.60% | 0.72% | |
| Loans / Total Assets | 0.31% | 0.32% | 0.25% | 0.36% | 0.42% | |
| Equity / Deposits | 0.09% | 0.10% | 0.08% | 0.07% | 0.10% | |
| Cash / Deposits | 1.10% | 1.23% | 1.30% | 0.97% | 0.91% | |
| CASA Ratio | 0.43% | 0.43% | 0.43% | 0.48% | 0.49% | |
| Per Share | ||||||
| Book Value Per Share | 63.47 | 57.50 | 44.36 | 32.32 | 28.63 | |
| Tangible Book Per Share | 62.92 | 57.00 | 43.92 | 31.90 | 28.31 | |
| Shares & Market | ||||||
| Total Shares Outstanding | 3,154,330,238 | 3,154,330,238 | 3,154,330,238 | 3,154,330,238 | 3,554,330,238 | |
| Market Cap | 171.99B | 131.43B | 76.51B | 47.54B | 61.49B | |
| Enterprise Value | 1.12T | 1.34T | 1.09T | 552.93B | 482.95B | |
| Employees | 17,543 | 16,563 | 14,852 | 13,972 | 12,193 | |
| Shareholders | 14,478 | 14,478 | 14,478 | 14,478 | 14,478 | |