The study also provides valuable results and useful information to individual investors. It provides a special method and framework for investors to analyses bank performance. Investors can make a decision on whether to invest more in some banks or shift funds to invest in other banks which have a better performance. From the result of this study, the individual investors should pay more attention on the costs to income ratio, operating expenses to assets ratios ratio. The wealth of a bank’s management ability and liquidity affect the performance of the bank significantly, especially on its return to investors