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', NTB's return on assets was 1.1%, representing returns generated from total assets. Industry average for Commercial Banks in '2021' stood at 1.5%.
• In '2022', NTB's return on assets was 1.4%, representing returns generated from total assets. The increase since '2021' reflects strengthening financial performance. Industry average for Commercial Banks in '2022' stood at 1.5%. Industry average declined by 0.0% from previous year.
• In '2023', NTB's return on assets was 1.6%, representing returns generated from total assets. The increase since '2022' reflects strengthening financial performance. Industry average for Commercial Banks in '2023' stood at 1.7%. Industry average increased by 0.2% compared to previous year.
• In '2024', NTB's return on assets was 1.6%, representing returns generated from total assets. The decline from '2023' may indicate some operational or financial challenges. Industry average for Commercial Banks in '2024' stood at 1.2%. Industry average declined by 0.4% from previous year.
Overall, NTB's return on assets has been volatile but generally stable over the past 4 years.

Formula: ROA = Net Income / Total Assets

Good Range: Commonly 5%-15%.