Question

XYZ premier bank has reported the following data (all amount in rupees) Total interest income : 140. Total interest expenses : 95, Security gains : 15, Provision for loan losses: 5. Total assets 2000, Number of shares issues 20. Income tax 30%, Dividend payout @ 25% of profit after tax

Calculate NII, NIM, PBT, PAT, ROA, EPS & Retained earnings

Answer 1

As per the reported data:

NII	Interest income-interest expense
	$140-$95
	$45
NIM	NII/total interest income
	$45$140
	32%
PBT	NII+security gain-provision for loan losses
	$45+$15-$5
PBT	$55
PAT	PBT-tax expense
	$55-$16.50
	$38.50
ROA	PATTotal assets
	$38.50$2000
	1.93%
EPS	PATNo of shares
	$38.5020
	$1.925
Retained earning	PAT-dividend paid
	$38.50-$9.625
	$28.875