The Financial Ratios

ENTITY: Palestine Islamic Bank
FREQUENCY: Annual
COUNTRY / REGION: WEST BANK and GAZA

31 Dec 2020
Original FY
Non-Con./Local
USD Millions

Size
Total Assets - Banks 1,511.33
Total Equity 123.33
Asset Quality
Imp. Loans (NPLs) / Gross Loans (%) 4.05
Growth of Gross Loans (%) 14.93
Loan Loss Allowances / Imp. Loans (%) 64.71
Loan Imp. Charges / Avg. Gross Loans (%) 0.55
Earnings & Profitability
Net Interest Income / Avg. Earning Assets (%) 4.18
Non-Int Exp / Total Operating Income (%) 62.58
Loans & Securities Imp. Charges / Pre-Imp. Op. Profit 22.98
Operating ROAA (%) 1.18
ROAE (%) 9.39
ROAA (%) 0.82
Capital & Leverage
Tangible Com. Equity / Tangible Assets (%) 7.79
Imp. Loans less Loan Loss Allowances / Equity (%) 10.54
Net Income - Cash Divs. / Total Equity (%) 9.91
Fund & Liquidity
Loans / Cust Deps (%) 83.15
Liquidity Coverage Ratio 157
Customer Deposits/ Total Funding (incl Pref. Shares & Hybrids) 80.68

1. CALCULATE THE FINANCIAL RATIOS AS SHOWN IN TABLE 1. SHOW ALL CALCULATIONS
2. USING THE COMPUTED FINANCIAL RATIOS, PROVIDE AN ANALYSIS OF THE BANKING
   PERFORMANCE FROM RISK OUTLOOK.