| Indicators | 2019 | 2020 | 2021 |
Profitability & Efficiency | ROE | Year of M&A | 9.22% | 13.14% |
ROA | 0.94% | 1.33% | ||
EPS (Basic) |
| 1.140 | 1.730 | |
Interest expense/Interest income | 0.140 | 0.199 | ||
Non-interest expense/Total income | 0.597 | 0.538 | ||
Liquidity | Cash & Cash equivalent/Total asset | 0.043 | 0.029 | |
Total liabilities/Total assets | 0.891 | 0.888 | ||
Leverage | Debt to equity ratio | 0.963 | 0.957 | |
Capital ratio | 0.109 | 0.112 |