| Indicators | 2016 | 2017 | 2018 |
Profitability & Efficiency | ROE | 8.07% | 8.55% | 11.08% |
ROA | 1.02% | 1.10% | 1.37% | |
EPS (Basic) | 3.16 | 3.53 | 4.74 | |
| Interest expense/Interest income | 0.101 | 0.116 | 0.173 |
Non-interest expense/Total income | 0.589 | 0.603 | 0.631 | |
Liquidity | Cash & Cash equivalent/Total asset | 0.5026 | 0.023 | 0.027 |
Total liabilities/Total assets | 0.874 | 0.872 | 0.877 | |
Leverage | Debt to equity ratio | 0.661 | 0.760 | 0.800 |
Capital ratio | 0.126 | 0.128 | 0.123 |