CAPITAL

2017

2018

Capital Adequacy Ratio

15.2

14.8

Shareholders’ Equity/Total Assets

10.8

10.7

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

8.9

8.7

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

12.9

12.8

ASSET QUALITY

2017

2018

Cash Loans/Total Assets

68.6

69.2

NPL (Gross)/Cash Loans

1.6

2.0

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

1.2

1.5

Loans/Deposits

111.9

112.3

FC Assets/FC Liabilities

92.3

92.0

LIQUIDITY

2017

2018

Liquid Assets/Total Assets

11.2

8.6

Liquid Assets/(Deposits+Non-Deposit Sources)

13.3

10.3

PROFITABILITY

2017

2018

Net Profit/Average Total Assets

2.0

1.6

Net Profit/Average Shareholders’ Equity

18.3

15.2

Interest Income/Interest Expenses

191.1

170.4