CAPITAL

Capital Adequacy Ratio

19.0

15.6

Shareholders’ Equity/Total Assets

10.5

8.2

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

9.6

7.6

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

12.3

9.2

ASSET QUALITY

Total Loans/Total Assets

43.9

44.5

NPL (Gross)/Cash Loans

2.8

1.2

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

2.3

1.0

FC Assets/FC Liabilities

94.6

95.7

LIQUIDITY

Liquid Assets/Total Assets

13.9

9.7

Liquid Assets/(Deposits+Non-Deposit Resources)

16.2

10.9

PROFITABILITY

Net Profit (Loss)/Average Total Assets

1.7

1.3

Net Profit (Loss)/Average Shareholders’ Equity

17.6

16.1

Net Profit (Loss)/Average Paid-in Capital

106.0

84.0

COST-INCOME STRUCTURE

Interest Income/Interest Expenses

187.2

161.9

Non-Interest Income/Non-Interest Expenses

31.0

38.8

Total Income/Total Expenses

127.3

122.3

Interest Income/Total Income

90.7

89.8

Non-Interest Income/Total Income

9.3

10.2

Interest Expenses/Total Expenses

61.7

67.8

Non-Interest Expenses/Total Expenses

38.3

32.2