JSBL Regional Banks
Finance
Mkt Cap
26.2B
P/E (TTM)
6.09
EPS
2.84
ROE
6.65%
Div Yield
—
| FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | ||
|---|---|---|---|---|---|---|
| Regulatory Capital | ||||||
| CET1 Ratio | 11.13% | 12.31% | 10.87% | 10.01% | 9.54% | |
| Tier 1 Capital Ratio | 12.37% | 13.56% | 12.28% | 11.31% | 10.68% | |
| Tier 2 Capital Ratio | 2.26% | 4.50% | 3.90% | 2.43% | 3.35% | |
| Total Capital Ratio | 14.63% | 18.07% | 16.19% | 13.75% | 14.03% | |
| Tier 1 Capital | 65.97B | 59.57B | 46.47B | 21.65B | 20.62B | |
| Risk-Weighted Assets | 533.37B | 439.19B | 378.29B | 191.37B | 193.13B | |
| Asset Quality | ||||||
| Non-Performing Loans | 90.41B | 91.19B | 78.15B | 32.62B | 27.85B | |
| NPL Ratio (NPL/Gross Loans) | 0.15% | 0.16% | 0.16% | 0.13% | 0.09% | |
| Loan Loss Coverage | 0.07% | 0.07% | 0.04% | 0.03% | 0.02% | |
| NPL / Loan Loss Reserve | 2.06 | 2.21 | 2.31 | 4.40 | 4.17 | |
| Reserve / Gross Loans | 0.07% | 0.07% | 0.07% | 0.03% | 0.02% | |
| Profitability | ||||||
| Return on Equity (ROE) | 8.78% | 17.96% | 25.81% | 4.67% | 5.21% | |
| Return on Assets (ROA) | 0.42% | 0.80% | 1.02% | 0.18% | 0.21% | |
| Operating Margin | 21.83% | 33.88% | 29.53% | 10.30% | 11.35% | |
| Net Margin | 6.76% | 11.47% | 18.06% | 5.09% | 6.65% | |
| Yield on Earning Assets | 12.56% | 20.15% | 16.66% | 13.59% | 7.93% | |
| Interest Income / Deposits | 5.79% | 7.27% | 5.59% | 3.48% | 2.90% | |
| Deposit & Loan Structure | ||||||
| Deposits / Total Assets | 0.80% | 0.78% | 0.80% | 0.71% | 0.73% | |
| Loans / Deposits (ADR) | 0.55% | 0.54% | 0.50% | 0.57% | 0.68% | |
| Loans / Total Assets | 0.44% | 0.42% | 0.40% | 0.40% | 0.50% | |
| Equity / Deposits | 0.06% | 0.06% | 0.05% | 0.05% | 0.05% | |
| Cash / Deposits | 0.62% | 0.67% | 0.67% | 0.75% | 0.62% | |
| CASA Ratio | 0.42% | 0.35% | 0.33% | 0.29% | 0.26% | |
| Per Share | ||||||
| Book Value Per Share | 33.36 | 31.40 | 24.58 | 17.64 | 18.07 | |
| Tangible Book Per Share | 27.28 | 25.42 | 19.68 | 14.68 | 15.64 | |
| Shares & Market | ||||||
| Total Shares Outstanding | 2,050,662,536 | 2,050,662,536 | 2,050,662,536 | 1,297,464,262 | 1,297,464,262 | |
| Market Cap | 34.59B | 18.58B | 18.54B | 6.09B | 6.25B | |
| Enterprise Value | 66.86B | 100.96B | 75.53B | 107.80B | 82.16B | |
| Employees | 13,795 | 12,772 | 11,092 | 4,739 | 4,487 | |
| Shareholders | 3,621 | 3,621 | 3,621 | 3,621 | 3,621 | |