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