CAPITAL

2016

2017

Capital Adequacy Ratio

14.5

15.2

Shareholders’ Equity/Total Assets

10.7

10.8

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

8.8

8.9

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

12.8

12.9

ASSET QUALITY

2016

2017

Total Loans/Total Assets

65.0

68.7

NPL (Gross)/Cash Loans

1.8

1.6

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

1.3

1.2

Loans/Deposits

104.3

112.0

FC Assets/FC Liabilities

108.0

92.3

LIQUIDITY

2016

2017

Liquid Assets/Total Assets

12.0

11.2

Liquid Assets/(Deposits+Non-Deposit Resources)

14.4

13.3

PROFITABILITY

2016

2017

Net Profit/Average Total Assets

2.0

2.0

Net Profit/Average Shareholders’ Equity

18.7

18.3

INCOME-EXPENSE STRUCTURE

2016

2017

Interest Incomes/Interest Expenses

204.5

191.1

Non-Interest Incomes/Non-Interest Expenses

40.4

34.7

Total Incomes/Total Expenses

138.3

135.8

Interest Incomes/Total Incomes

88.2

91.0

Non-Interest Incomes/Total Incomes

11.8

9.0

Interest Expenses/Total Expenses

59.6

64.7

Non-Interest Expenses/Total Expenses

40.4

35.3