Financial Soundness Indicator

31 Dec 2004

31 Dec2005

Capital adequacy (CA)

–        Regulatory capital to risk-weighted assets

–        Regulatory Tier I capital to risk-weighted assets

–        Nonperforming loans net of provisions to capital

36.17%

41.06%

25.71%

Not

Available

Asset quality (AQ)

–        Nonperforming loans to total gross loans

–        Sectoral distribution of loans to total loans

4.9%

Not Available

 Not

Available

Earnings and profitability (EP)

–        Return on assets

–        Return on equity

–        Interest margin to gross income

–        Non-interest expenses to gross income

1.69%

16.41%

35.32%

30.15%

Not

Available

Liquidity (L)

–        Liquid assets to total assets (liquid asset ratio)

–        Liquid assets to short-term liabilities

23.70%

1.13%

Not

Available

Sensitivity to market risk (SMR)

–        Net open position in foreign exchange to capital

Not Available

Not Available