Assessment of Financial Sector Blueprint to Achieve Banking Sector Efficiency in Malaysia
Table 1: Summary statistics of conventional banks from 2005 to 2020
| Year | Total capital ratio | ROA | ROE | Net impairment loan | Loan loss coverage ratio | Debt to equity | Transaction volume per capita(unit) | Transaction value per capita (RM) |
| 2005 | 10.5 | 1.4 | 16.8 | 4.6 | 59.2 | 60.1 | 21.6 | 12,657.3 |
| 2006 | 10.3 | 1.3 | 16.2 | 4.8 | 64.7 | 57.2 | 29.3 | 33,368.5 |
| 2007 | 9.6 | 1.5 | 19.8 | 3.2 | 77.3 | 48 | 35.6 | 233,313 |
| 2008 | 10.6 | 1.5 | 18.6 | 2.2 | 90.8 | 52.2 | 39.8 | 305,940 |
| 2009 | 13.8 | 1.2 | 14 | 1.8 | 95.3 | 50.3 | 41.9 | 297,306 |
| 2010 | 13 | 1.5 | 16.6 | 2.3 | 87 | 46.7 | 43.1 | 332,848 |
| 2011 | 13.7 | 1.6 | 17.4 | 1.8 | 97 | 44.4 | 49.2 | 446,802 |
| 2012 | 13.9 | 1.7 | 11.4 | 1.5 | 102 | 41.3 | 55.1 | 512,226 |
| 2013 | 14.9 | 1.5 | 15.9 | 1.3 | 105 | 39.1 | 64.2 | 535,344 |
| 2014 | 15.9 | 1.5 | 15.2 | 1.2 | 100 | 39.2 | 70.9 | 565,574 |
| 2015 | 16.1 | 1.3 | 12.3 | 1.1 | 96.3 | 43.2 | 82.6 | 549,658 |
| 2016 | 16.5 | 1.3 | 12.5 | 1.1 | 90.2 | 43 | 97.5 | 550,703 |
| 2017 | 17.8 | 1.5 | 13.1 | 1.1 | 115 | 47 | 110.6 | 613,676 |
| 2018 | 17.4 | 1.4 | 12.6 | 0.9 | 97.9 | 49.3 | 124.6 | 668,785 |
| 2019 | 18.3 | 1.5 | 13 | 1 | 126.4 | 50.5 | 149.6 | 669,089 |
| 2020 | 18.5 | 1.1 | 9.2 | 1 | 107.9 | 47.6 | 169.9 | 687,297 |