| Indicators | 2019 | 2020 | 2021 |
Profitability & Efficiency | ROE | Year of M&A | 7.15% | 10.28% |
ROA | 0.88% | 1.19% | ||
EPS (Basic) | 3.11 | 4.51 | ||
Interest expense/Interest income | 0.067 | 0.056 | ||
Non-interest expense/Total income | 0.584 | 0.608 | ||
Liquidity | Cash & Cash equivalent/Total asset | 0.037 | 0.037 | |
Total liabilities/Total assets | 0.862 | 0.862 | ||
Leverage | Debt to equity ratio | 0.626 | 0.56 | |
Capital ratio | 0.139 | 0.128 |