%

December 2017

December 2018

Capital

Capital Adequacy Ratio

13.1

12.76

Shareholders’ Equity/Total Assets

9.8

9.9

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

6.9

6.8

Shareholders’ Equity/(Funds Collected+Other Funds)

11.1

11.4

Asset Quality

Total Loans/Total Assets

79.3

79.9

NPL (Gross)/Cash Loans

0.3

1.4

NPL (Gross)/(Total Loans)

0.2

0.9

Securities Portfolio/Total Assets

3.7

5.9

FC Assets/FC Liabilities

62.7

62.7

Other Assets/Total Assets

3.7

1.6

Liquidity

Liquid Assets/Total Assets

13.4

12.6

Liquid Assets/(Funds Collected+Other Funds)

15.2

14.4

Liabilities Structure

Current Deposit/Total Deposit

16.5

15.7

Loans/Funds Collected

32.8

112.4

Profitability

Net Profit (Loss)/Average Total Assets

1.4

1.7

Net Profit (Loss)/Average Shareholders’ Equity

15.4

19,5

Net Profit (Loss)/Average Paid-in Capital

16.6

24.2

Income-Expense Structure

Profit Shares Income/Profit Shares Expense

182.3

158.4

Non-Profit Shares Incomes/Non-Profit Shares Expenses

19.8

38.4

Total Incomes/Total Expenses

123.8

121.8

Profit Shares Incomes/Total Incomes

94.2

90.4

Non-Profit Shares Incomes/Total Incomes

5.8

9.6

Profit Shares Expenses/Total Expenses

64.0

69.5

Non-Profit Shares Expenses/Total Expenses

36.0

30.5