2005

2006

2007

2008

2009

2010

2011

2012

2013

2014

Solvency ratios

Regulatory capital to risk weighted assets

9.17

8.36

6.75

9.79

10.16

11.1

10.7

10.7

10.1

9.3

Tier I capital to risk-weighted assets

8.78

7.98

6.01

9.37

9.8

10.6

10.1

9.9

10

9.3

Provisions to risk-weighted assets

14.98

14.17

12.75

12.24

10.96

12.1

10.4

10.5

11

10.4

Capital to total assets

5.82

5.45

4.29

6.07

6.2

6.4

6.5

6.3

5.6

5.1

Composition and quality of assets

Total loans to total assets

63.44

61.91

59.09

59.41

57.56

55.3

55.2

55

55.9

55.7

Gross NPLs to total loans

19.9

20.5

18.9

19.2

17.2

17.6

15.9

16

15.4

15.7

Provisioning rate

66.88

66.17

65.74

68.05

61.45

63.7

64.2

63.4

61

59.3

Net NPLs to total loans

7.6

8

7.4

7.1

7.4

7.2

6.3

6.5

6.6

7.1

Net NPLs to capital

82.74

91.17

90.85

69

68.54

62

54.1

56.5

66.6

76.7

Earnings and profitability

Average cost of borrowed funds

2.1

2.2

2.4

2.6

2.5

2.9

2.4

2.4

2.8

Average interest rate on loans

9.7

8.8

9.9

10.6

10.1

10.9

9.7

9.8

10.7

Average interest margin

7.6

6.6

7.5

8

7.6

8

7.3

7.3

7.9

After-tax return on average assets (ROA)

1.1

1.2

0.9

1.2

After-tax return on average equity (ROE)

5.2

4.8

4.8

1.9

14.8

12.6

13.7

10.1

14.6

Noninterest expenses/net banking income

57.9

60.75

62.64

60.91

63.79

64.8

61.6

61

60.2

Salaries and wages/net banking income

26.5

27.75

27.57

26.5

27.09

27.1

26.4

25.7

26.2

Liquidity

Liquid assets to total assets

41.79

40.89

38.13

36.64

33.93

33.3

33.6

32.5

32.2

31.2

Liquid assets to total deposits

55.15

54.41

50.95

50.43

46.04

45.1

46.1

45.8

47.1

45.3

Total loans to total deposits

83.76

82.38

78.89

81.76

78.45

84

84.3

86.2

90

89.2

Total deposits to total liabilities

75.74

75.15

74.87

72.66

73.37

74.1

72.9

71.1

68.5

68.9

Sight deposits to total liabilities

38.17

37.89

38.41

36.9

36.07

36.7

37.8

36.5

35.5

35.6

Term deposits to total liabilities

37.57

37.26

36.45

35.76

37.3

37.5

35.1

34.6

33

33.3