Mega Bank Annual Report 2017

29 Annual Report 2017 -29- Condensed Consolidated Statements of Comprehensive Income Unit: Thousands in NT dollars Item 2017 2016 Interest revenue 53,854,147 50,877,951 Less: interest expense 19,770,044 15,294,311 Net interest income 34,084,103 35,583,640 Net non-interest income 15,892,500 10,051,088 Net operating income 49,976,603 45,634,728 Provision for loan losses and guarantee reserve 4,344,809 3,619,823 Operating expenses 21,328,752 18,899,537 Consolidated income from continuing operations before income tax 24,303,042 23,115,368 Income tax expense 2,779,632 4,105,407 Consolidated net income 21,523,410 19,009,961 Total other comprehensive income (after income tax) ( 2,400,434 ) ( 2,134,315 ) Total comprehensive income 19,122,976 16,875,646 Major Financial Analysis Item Consolidated Standalone 2017 2016 2017 2015 Financial Structure Total Liabilities to Total Assets (%) 91.56 91.22 91.51 91.17 Property and Equipment to Total Shareholders ’ Equity (%) 5.65 5.56 5.63 5.54 Solvency Liquidity Reserve Ratio (%) 30.29 27.11 30.29 27.11 Operating Performance Analysis Loans to Deposits Ratio (%) 75.14 80.38 74.90 80.16 NPL Ratio (%) 0.13 0.11 0.12 0.09 Total Assets Turnover (Number of Times) 0.02 0.02 0.02 0.01 Average Profit per Employee (Thousands in NT Dollars) 3,470 3,316 3,572 3,418 Profitability Analysis Return on Tier 1 Capital (%) 9.62 9.36 9.70 9.44 ROA (%) 0.70 0.63 0.70 0.63 ROE (%) 8.26 7.44 8.26 7.44 Net Income to Net Operating Income (%) 43.07 41.66 43.41 42.08 Earnings per Share (NT Dollars) 2.52 2.23 2.52 2.23 Cash Dividends per Share (NT Dollars) 1.50 1.50 1.50 1.50 Shareholders ’ Equity per Share Before Appropriation (NT Dollars) 30.91 30.17 30.91 30.17 Capital Adequacy Ratio (%) 14.48 14.49 14.30 14.32 Note Ǻ The 2017 earnings distribution will be resolved in the 2018 Board of Directors on the stockholders ’ behalf.