| ← Back to Cover | ||||||
| ALCO DASHBOARD | ||||||
| Asset Liability Committee — Key Metrics Summary | ||||||
| PROFITABILITY METRICS | ||||||
| Metric | FY2024 | FY2025 | FY2026 | FY2027 | FY2028 | |
| Net Interest Income ($mm) | $610 | $680 | $775 | $932 | $1,210 | |
| NIM (%) | 2.76% | 2.93% | 3.20% | 3.68% | 4.54% | |
| ROAA (%) | 0.15% | 0.18% | 0.43% | 0.79% | 1.42% | |
| ROAE (%) | 1.08% | 1.35% | 3.40% | 6.17% | 10.87% | |
| Efficiency Ratio (%) | 94.49% | 93.40% | 85.44% | 76.26% | 63.66% | |
| PPNR ($mm) | ($179) | ($155) | ($89) | $40 | $287 | |
| BALANCE SHEET METRICS | ||||||
| Total Assets ($mm) | ####### | ####### | ####### | ####### | ####### | |
| Total Loans ($mm) | ####### | ####### | ####### | ####### | ####### | |
| Total Deposits ($mm) | ####### | ####### | ####### | ####### | ####### | |
| Total Equity ($mm) | $3,200 | $3,270 | $3,242 | $3,377 | $3,634 | |
| Loan/Deposit Ratio | 97.2% | 98.1% | 99.1% | 100.0% | 101.0% | |
| Equity/Assets | 13.6% | 13.3% | 12.7% | 12.7% | 13.1% | |
| CAPITAL & RISK | ||||||
| CET1 Ratio | 12.48% | 11.95% | 11.53% | 11.06% | 10.56% | |
| Tier 1 Ratio | 14.18% | 13.58% | 13.11% | 12.57% | 12.00% | |
| Total Capital Ratio | 15.43% | 14.84% | 14.34% | 13.81% | 13.26% | |
| NPL Ratio | 1.20% | 1.20% | 1.10% | 1.10% | 1.10% | |
| ALLL Coverage (ALLL/NPLs) | 1.0x | 1.0x | 1.1x | 1.1x | 1.1x | |
| LIQUIDITY | ||||||
| LCR | 336.3% | 320.6% | 302.3% | 290.5% | 284.8% | |
| NSFR | 152.4% | 150.6% | 148.3% | 147.1% | 146.6% | |
| Deposit Funding Ratio | 88.7% | 88.8% | 89.0% | 89.2% | 89.4% | |
| Note: ALCO dashboard summarizes key metrics from underlying analysis sheets. | ||||||