| 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 | ||
| Large banks | |||||||||
| Lending rate | 12.3 | 13.2 | 14.8 | 16.3 | |||||
| Operating costs/assets | 2.3 | 2.4 | 2.9 | 3.4 | 18.6 | 17.8 | 19.3 | 21.0 | 19.2 |
| Cost of funds (deposits rate) | 2.2 | 2.6 | 3.0 | 3.5 | 17.9 | 19.8 | 20.0 | 21.2 | 19.7 |
| NPLs/gross loans | 2.3 | 3.2 | 3.4 | 4.1 | 19.0 | 23.9 | 22.8 | 25.2 | 22.7 |
| Provision for bad debts/gross loans | 0.8 | 0.4 | 0.8 | 0.7 | 6.6 | 3.4 | 5.6 | 4.3 | 5.0 |
| SMR ratio | 4.7 | 4.6 | 4.8 | 4.6 | 37.9 | 35.2 | 32.2 | 28.3 | 33.4 |
| Medium size banks | |||||||||
| Lending rate | 10.5 | 13.2 | 14.7 | 16.3 | |||||
| Operating costs/assets | 2.2 | 2.2 | 2.4 | 2.3 | 20.7 | 16.5 | 16.5 | 14.3 | 17.0 |
| Cost of funds (deposits rate) | 2.1 | 2.4 | 3.1 | 3.8 | 19.7 | 18.3 | 20.8 | 23.6 | 20.6 |
| NPLs/gross loans | 1.3 | 3.3 | 4.3 | 5.1 | 12.7 | 25.0 | 29.0 | 31.6 | 24.6 |
| Provision for bad debts/gross loans | 0.5 | 1.0 | 0.4 | 0.9 | 4.4 | 7.4 | 2.8 | 5.7 | 5.1 |
| SMR ratio | 4.5 | 4.3 | 4.6 | 4.0 | 42.5 | 32.8 | 31.0 | 24.8 | 32.8 |
| Small size banks | |||||||||
| Lending rate | 3.5 | 4.3 | 7.4 | 10.9 | |||||
| Operating costs/assets | 1.0 | 1.3 | 2.7 | 3.2 | 28.2 | 29.7 | 36.8 | 29.0 | 30.9 |
| Cost of funds (deposits rate) | 0.2 | 0.3 | 0.7 | 1.4 | 5.1 | 7.5 | 10.1 | 12.5 | 8.8 |
| NPLs/gross loans | 0.7 | 1.1 | 1.5 | 3.1 | 19.0 | 24.6 | 20.9 | 28.9 | 23.3 |
| Provision for bad debts/gross loans | 0.4 | 0.2 | 0.2 | 0.9 | 10.5 | 5.3 | 2.0 | 8.4 | 6.6 |
| SMR ratio | 1.3 | 1.4 | 2.2 | 2.3 | 37.2 | 32.9 | 30.2 | 21.2 | 30.4 |