CAPITAL

2015

2016

Capital Adequacy Ratio

15.1

14.5

Shareholders’ Equity/Total Assets

10.4

10.7

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

8.7

8.8

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

12.4

12.8

ASSET QUALITY

2015

2016

Total Loans/Total Assets

61.7

65.0

NPL (Gross)/Cash Loans

1.7

1.8

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

1.3

1.3

Loans/Deposits

100.2

104.3

FC Assets/FC Liabilities

97.6

108.0

LIQUIDITY

2015

2016

Liquid Assets/Total Assets

13.5

12.0

Liquid Assets/(Deposits+Non-Deposit Resources)

16.1

14.4

PROFITABILITY

2015

2016

Net Profit (Loss)/Average Total Assets

1.8

2.0

Net Profit (Loss)/Average Shareholders’ Equity

17.3

18.7

INCOME-EXPENSE STRUCTURE

2015

2016

Interest Incomes/Interest Expenses

191.1

204.5

Non-Interest Incomes/Non-Interest Expenses

43.4

40.4

Total Incomes/Total Expenses

135.5

138.3

Interest Incomes/Total Incomes

87.9

88.2

Non-Interest Incomes/Total Incomes

12.1

11.8

Interest Expenses/Total Expenses

62.4

59.6

Non-Interest Expenses/Total Expenses

37.6

40.4