(%)
CAPITAL |
2018 |
2019 |
Capital Adequacy Ratio |
14.8 |
17.0 |
Shareholders’ Equity/Total Assets |
10.7 |
10.8 |
Shareholders’ Equity/(Total Assets+Non-cash Loans) |
8.7 |
9.1 |
Shareholders’ Equity/(Deposits+Non-Deposit Sources) |
12.8 |
12.7 |
|
|
|
ASSET QUALITY |
2018 |
2019 |
Cash Loans/Total Assets |
70.6 |
68.9 |
NPL (Gross)/Cash Loans |
2.0 |
2.8 |
NPL (Gross)/(Non-Cash Loans+Cash Loans) |
1.5 |
2.2 |
Loans/Deposits |
114.6 |
100.2 |
FC Assets/FC Liabilities |
92.0 |
81.5 |
|
|
|
LIQUIDITY |
2018 |
2019 |
Liquid Assets/Total Assets |
8.6 |
8.8 |
Liquid Assets/(Deposits+Non-Deposit Sources) |
10.3 |
10.4 |
|
|
|
PROFITABILITY |
2018 |
2019 |
Net Profit/Average Total Assets |
1.6 |
1.1 |
Net Profit/Average Shareholders’ Equity |
15.2 |
10.1 |
Interest Income/Interest Expenses |
170.4 |
162.8 |