Aggregated Normative Capital (MDL thou.)

X

138 835,9

152 689,2

156 329,4

Tier I Capital

X

138 835,9

152 689,2

156 329,4

Tier II Capital

X

0,0

0,0

0,0

Adequacy of Risk Weighted Capital (%)

>12

20,98%

20,46%

18,92%

Coefficient of Long-Term Liquidity (P I)

<1

0,66

0,64

0,64

Long-Term Assets

152 069,8

159 823,7

176 999,8

Financial Resources

231 766,0

250 835,0

275 087,3

Coefficient of Current Liquidity (P II)

>20%

31,22%

25,64%

24,37%

Liquid Assets

281 514,3

240 321,1

250 404,8

Total Assets

901 770,6

937 240,1

1 027 330,8

Income Bearing Loans/Total Assets (%)

X

77,83%

81,78%

78,06%

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

X

150 481,2

173 911,4

200 732,5

Bad Debts and Non Interest Loans (MDL thou.)

X

13 292,8

17 634,4

30 595,5

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

X

13 735,9

17 845,6

31 485,2

Total Credits/Total Assets (%)

X

60,55%

66,86%

67,44%

Total Unfavorable Loans /Total Assets (%)

X

1,52%

1,90%

3,06%

Unfavorable Loans /Total Loans (%)

X

2,52%

2,85%

4,54%

Loan Loss Provisions/Total Loans (%)

X

3,32%

3,34%

4,18%

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

X

73,61%

73,62%

72,13%

ROA (%)

X

3,36%

2,76%

2,13%

ROE (%)

X

19,10%

16,21%

13,03%

Net Interest Margin (%)

X

7,83%

6,71%

6,77%

Efficiency Index (%)

X

170,90%

171,34%

178%