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    The PLL ratio decreased from -0.27% in 2013 to -0.15% in 2014, indicating that net credit losses and the expense set aside as an allowance for bad loans decreased significantly. This caused the total expense ratio to decrease despite increases in the interest expense ratio and non-interest expense ratio.

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    The PLL ratio decreased from -0.27% in 2013 to -0.15% in 2014, indicating that net credit losses and the expense set aside as an allowance for bad loans decreased significantly. This caused the total expense ratio to decrease despite increases in the interest expense ratio and non-interest expense ratio.

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    6 views1 page

    Third

    Uploaded by

    Joele sh
    The PLL ratio decreased from -0.27% in 2013 to -0.15% in 2014, indicating that net credit losses and the expense set aside as an allowance for bad loans decreased significantly. This caused the total expense ratio to decrease despite increases in the interest expense ratio and non-interest expense ratio.

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    © All Rights Reserved
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    Third: PLL ratio

      2013 2014

    PLL= net credit losses -106,541 -62,207

    PLL/TA= -0.27% -0.15%

    Table 22: PLL ratio

    As we can see in the above table, PLL decreased intensely in 2014 which means that the expense

    set aside as an allowance for bad loans such as customer defaults, and terms of a loan that have

    to be renegotiated decreased. This is why the total expense ratio decreased despite the increase in

    .the interest expense ratio and non-interest expense ratio

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