| Category | Contribution 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 | 15.7 | 14.9 | 15.5 | 16.5 | |||||
| Operating costs/assets | 3.3 | 3.0 | 3.9 | 3.9 | 21.3 | 20.5 | 25.4 | 23.7 | 22.7 |
| NPLs/gross loans | 2.2 | 3.4 | 3.2 | 3.8 | 13.9 | 22.6 | 20.8 | 23.2 | 20.1 |
| Cost of funds (deposits rate) | 3.5 | 3.0 | 3.5 | 3.9 | 22.2 | 20.4 | 22.4 | 23.3 | 22.1 |
| Provision for bad debts/gross loans | 1.0 | 0.8 | 0.4 | 1.1 | 6.7 | 5.6 | 2.8 | 6.9 | 5.5 |
| SMR ratio | 5.6 | 4.6 | 4.4 | 3.8 | 35.8 | 30.8 | 28.6 | 23.0 | 29.6 |