2020 INTEGRATED ANNUAL REPORT
RATIOS

(%)

Capital

2019

2020

Capital Adequacy Ratio

17.0

18.2

Shareholders’ Equity/Total Assets

10.8

9.9

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

9.1

8.6

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

12.7

11.5

 

 

 

Asset Quality

2019

2020

Cash Loans/Total Assets

68.9

63.7

NPL (Gross)/Cash Loans

2.8

2.3

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

2.2

1.9

Loans/Deposits

100.2

95.4

FC Assets/FC Liabilities

81.5

81.4

 

 

 

Liquidity

2019

2020

Liquid Assets/Total Assets

8.8

9.7

Liquid Assets/(Deposits+Non-Deposit Sources)

10.4

11.2

 

 

 

Profitability

2019

2020

Net Profit/Average Total Assets

1.1

1.0

Net Profit/Average Shareholders’ Equity

10.1

9.7

Interest Income/Interest Expenses

162.8

199.3

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