%

December 2019

December 2020

Capital

Capital Adequacy Ratio

16.6

14.8

Shareholders’ Equity/Total Assets

8.7

6.2

Asset Quality

Total Loans*/Total Assets

65.1

70.1

NPL (Gross)/Total Deposit*

2.3

2.7

Total Loans*/Total Deposit

93.1

88.8

Profitability

Net Profit (Loss)/Average Total Assets

1.8

1.3

Net Profit (Loss)/Average Shareholders’ Equity

19.2

18.5

Income‑Expense Structure

Profit Shares Income/Profit Shares Expense

161.5

197.4

Non‑Profit Shares Income/Non‑Profit Shares Expenses

37.0

33.7

Total Income/Total Expenses

121.5

119.6

Profit Shares Income/Total Income

90.2

86.6

Non‑Profit Shares Income/Total Income

9.8

13.4

Profit Shares Expenses/Total Expenses

67.9

52.4

Non‑Profit Shares Expenses/Total Expenses

32.1

47.6