2019 INTEGRATED ANNUAL REPORT
RATIOS

(%)

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