Aggregated Normative Capital (MDL thou.)

X

114 630,5

119 754,7

122 740,20

Tier I Capital

X

114 630,5

119 754,7

122 740,20

Tier II Capital

X

0,0

0,0

0

Adequacy of Risk Weighted Capital (%)

>12

24,17%

22,85%

20,88%

Coefficient of Long-Term Liquidity (P I)

<1

0,50

0,59

0,64

Long-Term Assets

90 498,0

107 658,9

124 210,10

Financial Resources

182 407,6

181 252,1

195 232,40

Coefficient of Current Liquidity (P II)

>20%

28,19%

23,04%

29,60%

Liquid Assets

177 208,2

149 030,9

228 580,00

Total Assets

628 583,8

646 920,9

772 357,90

Income Bearing Loans/Total Assets (%)

X

72,28%

73,93%

80,54%

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

X

90 519,8

106 895,5

99 708,20

Bad Debts and Non Interest Loans (MDL thou.)

X

5 992,2

9 129,1

11 341,00

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

X

6 492,2

9 126,1

12 229,70

Total Credits/Total Assets (%)

X

62,59%

67,10%

61,14%

Total Unfavorable Loans /Total Assets (%)

X

1,03%

1,41%

1,58%

Unfavorable Loans /Total Loans (%)

X

1,65%

2,10%

2,59%

Loan Loss Provisions/Total Loans (%)

X

3,04%

3,10%

3,99%

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

X

68,22%

67,92%

71,84%

ROA (%)

X

4,54%

3,45%

2,59%

ROE (%)

X

23,61%

17,65%

13,82%

Net Interest Margin (%)

X

10,43%

9,64%

8,63%

Efficiency Index (%)

X

177%

173%

179%