Rising ProfitabilityA materially higher net profit margin over recent years indicates improved pricing power and operating efficiency. Sustained margin expansion supports internal capital formation, enhances return on equity and cushions the bank against cyclical credit costs, aiding long-term stability and reinvestment.
Very Low LeverageA dramatic reduction in debt-to-equity provides the bank with substantial financial flexibility and lower interest burden. Persistently low leverage improves resilience to shocks, creates capacity to lend or invest, and lowers refinancing risk, which supports durable balance-sheet strength over months.
Strong Revenue And Cash GenerationConsistent top-line growth combined with rising free cash flow and a solid operating cash flow to net income ratio indicate the bank can fund operations, lending and dividends internally. This improves capital allocation flexibility and underpins sustainable business expansion.