2014 Annual Report
| % | 2014 | 2013 |
| CAPITAL | ||
| Capital Adequacy Ratio | 18.2 | 13.2 |
| Shareholders’ Equity/Total Assets | 11.5 | 8.9 |
| Shareholders’ Equity/(Total Assets+Non-cash Loans) | 9.9 | 7.7 |
| Shareholders’ Equity/(Deposits+Non-Deposit Resources) | 13.6 | 10.1 |
| ASSET QUALITY | ||
| Total Loans/Total Assets | 57.3 | 53.5 |
| NPL (Gross)/Cash Loans | 1.9 | 2.1 |
| NPL (Gross)/(Non-cash Loans+Cash Loans) | 1.5 | 1.7 |
| FC Assets/FC Liabilities | 95.2 | 95.4 |
| LIQUIDITY | ||
| Liquid Assets/Total Assets | 13.1 | 14.0 |
| Liquid Assets/(Deposits+Non-Deposit Resources) | 15.4 | 16.0 |
| PROFITABILITY | ||
| Net Profit (Loss)/Average Total Assets | 1.8 | 1.8 |
| Net Profit (Loss)/Average Shareholders’ Equity | 16.4 | 18.5 |
| Net Profit (Loss)/Average Paid-in Capital | 162.0 | 133.2 |
| COST-INCOME STRUCTURE | ||
| Interest Income/Interest Expenses | 190.0 | 216.7 |
| Non-Interest Income/Non-Interest Expenses | 41.1 | 41.0 |
| Total Income/Total Expenses | 133.7 | 135.5 |
| Interest Income/Total Income | 88.4 | 86.0 |
| Non-Interest Income/Total Income | 11.6 | 14.0 |
| Interest Expenses/Total Expenses | 62.2 | 53.8 |
| Non-Interest Expenses/Total Expenses | 37.8 | 46.2 |
