Overseas Chinese Banking Corporation (OCBC Bank)

[Ray168]

Looking at latest quarterly report, total liabilities/total equity is as follows:

DBS = 10.58
OCBC = 10.78
UOB = 9.7

This ratio has not much relevance when analysing banks.

What would be the more relevant ratios? Hope to learn more about banks, thank you.

% ROA, % NPL, NIM, Expense to Income, Loans to Deposit, Deposit Growth. These measures, capital efficiency, risk management, operational efficiency, growth potential. 

IMO, P/B is more of a market perception of the stock. Not a direct measure of the inherent business value. 

%ROA and %NPL being the most critical ratios for the traditional banking business. 
If you have non-interest income, things get complicated as you have mark-to-market valuations.

Example of Bank/Finance KPI...

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