%

2011

2010

CAPITAL

Capital Adequacy Ratio

15.6

19.2

Shareholders’ Equity/Total Assets

8.2

8.9

Shareholders’ Equity/(Total Assets+Non-cash Loans)

7.6

8.5

Shareholders’ Equity/(Deposits+Non-Deposit Resources)

9.2

10.0

ASSET QUALITY

Total Loans/Total Assets

44.5

38.0

NPL (Gross)/Cash Loans

1.2

1.5

NPL (Gross)/(Non-cash Loans+Cash Loans)

1.0

1.3

FC Assets/FC Liabilities

95.7

91.5

LIQUIDITY

Liquid Assets/Total Assets

9.7

9.9

Liquid Assets/(Deposits+Non-Deposit Resources)

10.9

11.1

PROFITABILITY

Net Profit (Loss)/Average Total Assets

1.3

2.8

Net Profit (Loss)/Average Shareholders’ Equity

16.1

31.8

Net Profit (Loss)/Average Paid-in Capital

84.0

148.5

COST-INCOME STRUCTURE

Interest Income/Interest Expenses

161.9

176.1

Non-Interest Income/Non-Interest Expenses

31.2

64.4

Total Income/Total Expenses

123.1

146.9

Interest Income/Total Income

92.5

88.5

Non-Interest Income/Total Income

7.5

11.5

Interest Expenses/Total Expenses

70.3

73.8

Non-Interest Expenses/Total Expenses

29.7

26.2