CAPITAL

Capital Adequacy Ratio

13.2

19.0

Shareholders’ Equity/Total Assets

8.9

10.5

Shareholders’ Equity/(Total Assets+Non-cash Loans)

7.7

9.6

Shareholders’ Equity/(Deposits+Non-Deposit Resources)

10.1

12.3

ASSET QUALITY

Total Loans/Total Assets

53.5

43.9

NPL (Gross)/Cash Loans

2.1

2.8

NPL (Gross)/(Non-cash Loans+Cash Loans)

1.7

2.3

FC Assets/FC Liabilities

95.4

94.6

LIQUIDITY

Liquid Assets/Total Assets

14.0

13.9

Liquid Assets/(Deposits+Non-Deposit Resources)

16.0

16.2

PROFITABILITY

Net Profit (Loss)/Average Total Assets

1.8

1.7

Net Profit (Loss)/Average Shareholders’ Equity

18.5

17.6

Net Profit (Loss)/Average Paid-in Capital

133.2

106.0

COST-INCOME STRUCTURE

Interest Income/Interest Expenses

216.7

187.2

Non-Interest Income/Non-Interest Expenses

41.0

29.3

Total Income/Total Expenses

135.5

127.6

Interest Income/Total Income

86.0

91.3

Non-Interest Income/Total Income

14.0

8.7

Interest Expenses/Total Expenses

53.8

62.2

Non-Interest Expenses/Total Expenses

46.2

37.8