Performance Indicators Efficiency/Profitability Ratio ii) Return on Assets = Net Profit after tax / Total Assets *100 iii)

Return on Equity = Net Profit after tax / Total Equity * 100 Spread Ratio
Spread = Interest Earned / Interest Expense *100 Net Interest Margin Ratio

NIM = Total Interest Income - Total Interest Expense / Total Assets *100 Liquidity, Ratios Cash and Balances with Banks to Total Assets = Cash and Balances with Banks / Total Assets *100