Aggregated Normative Capital (MDL thou.)

X

114 630,5

122 740,20

130 700,1

Tier I Capital

X

114 630,5

122 740,20

130 700,1

Tier II Capital

X

0,0

0

0,0

Adequacy of Risk Weighted Capital (%)

>12

24,17%

20,88%

20,78%

Coefficient of Long-Term Liquidity (P I)

<1

0,50

0,64

0,70

Long-Term Assets

90 498,0

124 210,10

147 658,8

Financial Resources

182 407,6

195 232,40

210 464,0

Coefficient of Current Liquidity (P II)

>20%

28,19%

29,60%

28,54%

Liquid Assets

177 208,2

228 580,00

233 852,0

Total Assets

628 583,8

772 357,90

819 288,4

Income Bearing Loans/Total Assets (%)

X

72,28%

80,54%

80,59%

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

X

90 519,8

99 708,20

122 862,2

Bad Debts and Non Interest Loans (MDL thou.)

X

5 992,2

11 341,00

8 559,6

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

X

6 492,2

12 229,70

9 489,5

Total Credits/Total Assets (%)

X

62,59%

61,14%

62,27%

Total Unfavorable Loans /Total Assets (%)

X

1,03%

1,58%

1,16%

Unfavorable Loans /Total Loans (%)

X

1,65%

2,59%

1,86%

Loan Loss Provisions/Total Loans (%)

X

3,04%

3,99%

3,48%

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

X

68,22%

71,84%

72,20%

ROA (%)

X

4,54%

2,59%

3,48%

ROE (%)

X

23,61%

13,82%

19,25%

Net Interest Margin (%)

X

10,43%

8,63%

8,09%

Efficiency Index (%)

X

177%

179%

181%