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