|
Financial
Soundness Indicator |
31 Dec 2004 (%) |
31 June 2005 (%) |
| |
|
|
| Capital
Adequacy (CA) |
|
|
| 1.Regulartory
Capital to risk - weigted assets |
36.61 |
30.97 |
| 2.
Regulartory Tier I capital to risk - weighted assets |
35.36 |
29.73 |
| 3.Non
Performing Loans net of provisions to capital (Ex-WBC) |
1.92 |
4.12 |
| |
|
|
| Asset
Quality (AQ) |
|
|
| 1.
Nonperforming loans to total gross loans |
10.47 |
12.72 |
| 2.
Sectoral distribution of loans to total loans (7 Largest) |
|
|
| a.
Personal |
42.00 |
43.13 |
| b.
Construction |
16.89 |
16.99 |
| c.
Distribution |
10.29 |
9.95 |
| d.Tourism |
8.19 |
7.49 |
| e.Professional
and other |
5.71 |
5.30 |
| f.Manufactoring |
5.38 |
5.44 |
| g.
Transportation |
4.22 |
3.91 |
| |
|
|
| Earnings
and profitability (EP) |
|
|
| 1.
Return on assets |
0.94 |
1.05 |
| 2.
Return on Equity |
7.59 |
9.30 |
| 3.
Interest Margin to gross income |
38.18 |
36.87 |
| 4.
Non - interest expense to gross income |
31.88 |
29.75 |
| |
|
|
| Liquidity
(L) |
|
|
| 1.
Liquid assets to total assets (liquid assets ratio) |
23.44 |
18.83 |
| 2.
Liquid assets to short - term liabilities (up to 1year) |
6.07 |
6.48 |
| |
|
|
| Sensitivity
to market risk (SMR) |
|
|
| 1.
Net open position in foreign exchange to capital |
NA |
NA |
