ASSET QUALITY RATIOS:

Past Due Ratio

Past Due Loans
Total Loan Portfolio (TLP), gross
RL to TLP
Restructured Loans (RL), gross
TLP, gross
Loan Loss Reserves (LLR) to TLP
Allowance for Credit Losses (ACL) - TLP
TLP, gross
Gross NPL Ratio
Gross Non-Performing Loans (NPL)
TLP, gross
Gross NPL Ratio, net of IBL
Gross NPL, net of NP IBL
(1) Gross NPL
(2) Non-performing IBL
TLP, gross net of IBL
(1) TLP, gross
(2) Interbank Loans Receivables (IBL)
Net NPL Ratio1/
NPL, net of Specific ACL1/
(1) Gross NPL
(2) Specific ACL
TLP, gross
NPL Coverage Ratio
ACL - TLP
Gross NPL
NPL Coverage Ratio, excl. GLLP
Spec. ACL - TLP
Gross NPL
NPA to Gross Assets
Non-Performing Assets (NPA)
(1) Gross NPL
(2) ROPA, gross
(a) Real and Other Properties Acquired (ROPA)
(b) Non-Current Assets Held for Sale
(c) Non-Performing Sales Contract Receivables (SCR)
Gross Assets
(1) Total Assets
(2) Allowance on NPA
NPA Coverage Ratio
Allowance on NPA
NPA
Distressed Assets Ratio
Distressed Assets
NPA
RL, Performing
TLP, gross
Total ROPA
(1) ROPA, gross
(2) Performing SCR
LIQUIDITY RATIOS
(1) Cash and Due from Banks to Deposits
Cash and Due from Banks
Deposits
(2) Liquid Assets to Deposits Ratio
 Liquid Assets, sum of:
(1) Cash and Due from Banks
(2) Financial Assets, net (excl. equity investments)
Deposits
(3) Loans (gross) to Deposits
Loans (gross)
Deposits
SELECTED PROFITABILITY RATIOS
(1) Return on Assets (ROA)
Annualized Net Profit or Loss
Average Assets
Total Assets (last year)
Total Assets (current year)
(2) Return on Equity (ROE)
Annualized Net Profit or Loss
Average Capital
Total Capital (last year)
Total Capital (current year)
(3) Earning Asset Yield
Annualized Interest Income
Average Earning Assets
Earning Assets (last year)
Earning Assets (current year)
(4) Funding Cost
Annualized Interest Expense
Average Interest Bearing Liabilities
Interest Bearing Liabilities (last year)
Interest Bearing Liabilities (current year)
(5) Interest Spread
(3) Earning Asset Yield
(4) Funding Cost
(6) Net Interest Margin
Annualized Net Interest Income
Average Earning Assets
(7) Cost to Income Ratio
Annualized Non-Interest Expenses
Annualized Total Operating Income
(8) Net Interest Income to Total Operating Income
Annualized Net Interest Income
Annualized Total Operating Income
(9) Non-interest Income to Total Operating Income
Annualized Non-Interest Income
Annualized Total Operating Income
CAPITAL ADEQUACY
Capital Adequacy Ratio - Solo
Total Capital Accounts to Total Assets