| Indicators | 2013 | 2014 | 2015 |
Profitability & Efficiency | ROE | 7.88% | 1.27% | 7.67% |
ROA | 0.92% | 0.14% | 0.84% | |
EPS (Basic) | 0.923 | 0.225 | 0.933 | |
Interest expense/Interest income | 0.108 | 0.102 | 0.109 | |
Non-interest expense/Total income | 0.628 | 0.638 | 0.633 | |
Liquidity | Cash & Cash equivalent/Total asset | 0.056 | 0.046 | 0.037 |
Total liabilities/Total assets | 0.879 | 0.881 | 0.883 | |
Leverage | Debt to equity ratio | 0.871 | 0.901 | 0.905 |
Capital ratio | 0.117 | 0.110 | 0.110 |