Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.97% | +0.13 | 0.85% |
| Return on Equity (%) | ▼ | 5.30% | -0.28 | 5.58% |
| Net Interest Margin (%) | ▲ | 1.63% | +0.07 | 1.56% |
| Efficiency Ratio (%) | ▲ | 23.44% | -6.48 | 29.92% |
| Pre-Provision Profit ($M) | ▲ | $27 | +0.07 | $27 |
| Cost of Funds (%) | ▲ | 1.78% | -0.50 | 2.28% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $8,770 | -637.02 | $9,407 |
| Gross Loans ($M) | ▼ | $4,745 | -592.16 | $5,337 |
| Loan Growth YoY (%) | ▼ | 68.21% | -3.61 | 71.82% |
| Total Deposits ($M) | ▼ | $6,934 | -473.37 | $7,407 |
| Shareholders Equity ($M) | ▲ | $1,683 | +140.55 | $1,543 |
| Tang. Book Value ($M) | ▲ | $1,683 | +140.55 | $1,543 |
| TBV excl. AOCI ($M)** | ▲ | $1,790 | +142.14 | $1,648 |
| Loan / Deposit Ratio (%) | ▼ | 68.21% | -3.61 | 71.82% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.52% | +0.07 | 0.46% |
| Allowance / Loans (%) | — | 0.33% | 0.00% | 0.33% |
| Net Charge-Off Ratio (%) | ▼ | 0.97% | +0.16 | 0.81% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 64.87% | +12.87 | 52.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▅▅▆▆██ | Net Interest Margin (%) | 1.44% | 1.45% | 1.54% | 1.56% | 1.57% | 1.58% | 1.64% | 1.63% |
| ▁▂▂▄▄▅██ | Return on Assets (%) | 0.74% | 0.80% | 0.79% | 0.85% | 0.85% | 0.87% | 1.00% | 0.97% |
| ▅▆█▆▄▄▂▁ | Efficiency Ratio (%) | 28.7% | 29.6% | 32.7% | 29.9% | 28.0% | 27.2% | 25.3% | 23.4% |
| █▇▅▅▄▂▁▁ | Cost of Funds (%) | 2.64% | 2.48% | 2.25% | 2.28% | 2.12% | 1.91% | 1.75% | 1.78% |
| ▂▃▁▄▇▄▅█ | NPA / Assets (%) | 0.44% | 0.45% | 0.41% | 0.46% | 0.51% | 0.46% | 0.47% | 0.52% |
| ▁▃▁▂▆▃▄█ | Net Charge-Off Ratio (%) | 0.79% | 0.84% | 0.77% | 0.81% | 0.91% | 0.82% | 0.87% | 0.97% |
| ▁▃▃▄▅▆▇█ | Tang. Book Value ($M) | $1,427 | $1,512 | $1,523 | $1,543 | $1,572 | $1,604 | $1,644 | $1,683 |
| █▇▆▅▄▃▂▁ | Gross Loans ($M) | $5,799 | $5,663 | $5,513 | $5,337 | $5,199 | $5,052 | $4,907 | $4,745 |
| ██▇▃▃▂▂▁ | Total Deposits ($M) | $8,712 | $8,763 | $8,419 | $7,407 | $7,563 | $7,253 | $7,237 | $6,934 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 100% |
| Deposit Mix | % |
|---|---|
| Interest-Bearing (core) | 100% |