Year	Statistics	SND ratio	NPL ratio	Capital ratio	Overhead cost ratio
2000	Mean	0.0184	0.0103	0.0852	0.0377
2000	SD	0.0145	0.0097	0.0361	0.0304
2001	Mean	0.0209	0.0136	0.0919	0.036
2001	SD	0.0211	0.0139	0.0478	0.0244
2002	Mean	0.0208	0.0115	0.0927	0.0343
2002	SD	0.0392	0.0139	0.0497	0.0242
2003	Mean	0.0221	0.0096	0.0938	0.0322
2003	SD	0.0365	0.0114	0.0505	0.0189
2004	Mean	0.0185	0.0073	0.0992	0.0294
2004	SD	0.0173	0.0083	0.0465	0.0166
2005	Mean	0.0178	0.0059	0.0977	0.0297
2005	SD	0.015	0.0062	0.0411	0.0179
2006	Mean	0.0166	0.0062	0.0971	0.0289
2006	SD	0.0142	0.0064	0.0376	0.0162
2007	Mean	0.0162	0.0126	0.0981	0.0288
2007	SD	0.0147	0.0145	0.0383	0.017
2008	Mean	0.0142	0.0274	0.0946	0.0307
2008	SD	0.0152	0.0362	0.0383	0.0256
Total	Mean	0.0184	0.0116	0.0946	0.0319
	SD	0.0232	0.0173	0.0435	0.0218