Aggregated Normative Capital (MDL thou.)

X

114 630,5

130 700,1

137 027,4

Tier I Capital

X

114 630,5

130 700,1

137 027,4

Tier II Capital

X

0,0

0,0

0,0

Adequacy of Risk Weighted Capital (%)

>12

24,17%

20,78%

20,63%

Coefficient of Long-Term Liquidity (P I)

<1

0,50

0,70

0,66

Long-Term Assets

90 498,0

147 658,8

152 070,9

Financial Resources

182 407,6

210 464,0

229 957,5

Coefficient of Current Liquidity (P II)

>20%

28,19%

28,54%

31,13%

Liquid Assets

177 208,2

233 852,0

281 514,3

Total Assets

628 583,8

819 288,4

904 264,2

Income Bearing Loans/Total Assets (%)

X

72,28%

80,59%

77,62%

Total Amount of “Largest” Loans " (MDL thou.)

X

90 519,8

122 862,2

150 481,2

Bad Debts and Non Interest Loans (MDL thou.)

X

5 992,2

8 559,6

13 292,8

Unfavorable Loans (Substandard, Doubtful and Bad Loans) (MDL thou.)

X

6 492,2

9 489,5

13 735,9

Total Credits/Total Assets (%)

X

62,59%

62,27%

60,39%

Total Unfavorable Loans /Total Assets (%)

X

1,03%

1,16%

1,52%

Unfavorable Loans /Total Loans (%)

X

1,65%

1,86%

2,52%

Loan Loss Provisions/Total Loans (%)

X

3,04%

3,48%

3,30%

Deposits with private persons and corporate entities/Total Assets (%)

X

68,22%

72,20%

73,40%

ROA (%)

X

4,54%

3,48%

3,39%

ROE (%)

X

23,61%

19,25%

19,28%

Net Interest Margin (%)

X

10,43%

8,09%

7,83%

Efficiency Index (%)

X

177%

181,22%

170,87%