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 |