Category | Controbution in percentage points | Contribution in percent | Average 2005-17 | ||||||
2005-07 | 2008-10 | 2011-13 | 2014-17 | 2005-07 | 2008-10 | 2011-13 | 2014-17 | ||
Interest rate spread | 9.3 | 8.3 | 7.6 | 7.4 | |||||
Operating costs/assets | 2.6 | 2.1 | 2.5 | 2.3 | 28.0 | 25.3 | 32.9 | 31.1 | 29.3 |
NPLs/gross loans | 1.5 | 2.4 | 2.0 | 2.2 | 16.1 | 28.9 | 26.3 | 29.7 | 25.3 |
Provision for bad debts/gross loans | 0.8 | 0.6 | 0.3 | 0.7 | 8.6 | 7.2 | 3.9 | 9.5 | 7.3 |
SMR ratio | 4.3 | 3.2 | 2.8 | 2.2 | 46.2 | 38.6 | 36.8 | 29.7 | 37.8 |