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 | ||
Local banks | |||||||||
Lending rate | 5.2 | 7.4 | 8.9 | 10.4 | |||||
Operating costs/assets | 1.4 | 2.1 | 2.7 | 3.1 | 27.3 | 28.3 | 29.8 | 29.5 | 28.7 |
Cost of funds (deposits rate) | 0.4 | 0.7 | 0.9 | 1.2 | 7.4 | 8.8 | 10.2 | 11.8 | 9.6 |
NPLs/gross loans | 0.9 | 1.8 | 2.6 | 3.5 | 16.3 | 24.3 | 28.5 | 33.9 | 25.8 |
Provision for bad debts/gross loans | 0.5 | 0.4 | 0.0 | 0.3 | 8.7 | 5.8 | 0.3 | 3.2 | 4.5 |
SMR ratio | 2.1 | 2.4 | 2.8 | 2.2 | 40.4 | 32.9 | 31.1 | 21.6 | 31.5 |
Foreign banks | |||||||||
Lending rate | 7.0 | 7.4 | 11.0 | 15.1 | |||||
Operating costs/assets | 1.5 | 1.4 | 2.9 | 3.1 | 22.0 | 19.1 | 26.6 | 20.3 | 22.0 |
Cost of funds (deposits rate) | 0.9 | 1.1 | 2.0 | 3.2 | 13.1 | 14.5 | 17.8 | 20.9 | 16.6 |
NPLs/gross loans | 1.3 | 1.9 | 2.2 | 3.8 | 17.9 | 25.7 | 20.0 | 24.9 | 22.1 |
Provision for bad debts/gross loans | 0.5 | 0.5 | 0.5 | 1.4 | 6.9 | 6.4 | 4.4 | 9.1 | 6.7 |
SMR ratio | 2.8 | 2.5 | 3.4 | 3.7 | 40.1 | 34.2 | 31.2 | 24.7 | 32.6 |