Name: Return on Assets (ROA)

Definition: ROA shows how efficiently the company turns everything it owns — its entire asset base — into net profit after all costs and taxes. A higher ROA means the business squeezes more profit from its assets. Lower ROA might reflect poor asset utilization or heavy reliance on expensive financing.

Interpretation:
• In '2021', BHB's return on assets was 1.1%, representing returns generated from total assets. Industry average for Major Banks in '2021' stood at 1.3%.
• In '2022', BHB's return on assets was 1.1%, representing returns generated from total assets. The increase since '2021' reflects strengthening financial performance. Industry average for Major Banks in '2022' stood at 1.2%. Industry average declined by 0.1% from previous year.
• In '2023', BHB's return on assets was 1.1%, representing returns generated from total assets. The figure remained stable compared to '2022'. Industry average for Major Banks in '2023' stood at 1.0%. Industry average declined by 0.2% from previous year.
• In '2024', BHB's return on assets was 1.1%, representing returns generated from total assets. The decline from '2023' may indicate some operational or financial challenges. Industry average for Major Banks in '2024' stood at 0.9%. Industry average declined by 0.1% from previous year.
Overall, BHB's return on assets has remained generally stable over the past 4 years.

Formula: ROA = Net Income / Total Assets

Good Range: Commonly 5%-15%.