What the figures mean

These are the bank figures the company pages and the comparison table print. Each is calculated from facts reported in a filing; the comparison page states the arithmetic of every one in full.

ROE

Return on equity. Net income for the period against period-end total equity.

ROA

Return on assets. Net income for the period against the period-end total assets.

NIM (on total assets)

Net interest margin. Net interest income against period-end total assets — total assets rather than interest-earning assets, because bank statements do not print a reliable breakdown of the latter.

Cost-to-income

Cost-to-income. Operating expenses as a share of operating income: what it costs the bank to earn its income.

NPL ratio

Non-performing loan ratio. Non-performing loans as a share of gross loans — the part of the loan book that is not being repaid as agreed.

EPS

Earnings per share. The basic figure as reported in the statement; it is never recalculated here from net income and a share count.

P/E

Price-to-earnings. The latest published close divided by reported basic earnings per share.

P/B

Price-to-book. The latest published close divided by period-end total equity per share outstanding.

Dividend yield

Dividend yield. Dividends with an ex-date in the trailing 365 days, against the latest published close.

EPS growth

Earnings-per-share growth. The change in reported basic earnings per share from the prior reported period to the latest one, as a percentage of the prior period’s reported basic earnings per share.

Every figure above describes a period that has already been reported. None of them states what a price will do next, and this site publishes no such statement.