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| Unit | 2019 | 2020 | 2021 | 2022 | 2023 | |
|---|---|---|---|---|---|---|
| Regulatory capital to risk-weighted assets | % | 21.27 | 20.90 | 19.65 | 15.72 | 16.54 |
| Regulatory Tier 1 capital to risk-weighted assets | % | 17.72 | 17.19 | 16.96 | 13.13 | 12.62 |
| Nonperforming loans net of provisions to capital | % | 40.20 | 36.53 | 36.00 | 40.88 | 37.39 |
| Nonperforming loans to total gross loans | % | 10.09 | 11.31 | 11.71 | 11.80 | 11.10 |
| Loans to Residents | % | 96.11 | 96.04 | 95.82 | 95.06 | 95.45 |
| Sectoral distribution of total loans :Deposit-takers | % | 0.51 | 0.31 | 0.21 | 0.19 | 0.21 |
| Sectoral distribution of total loans :Central bank | % | --- | 0.00 | 0.00 | 0.00 | 0.00 |
| Sectoral distribution of total loans: Other financial corporations | % | 0.94 | 0.93 | 0.92 | 0.97 | 0.93 |
| Sectoral distribution of total loans :General government | % | 12.06 | 10.75 | 10.57 | 10.23 | 9.80 |
| Sectoral distribution of total loans :Nonfinancial corporations | % | 29.01 | 30.89 | 32.40 | 30.57 | 31.76 |
| Sectoral distribution of total loans :Other domestic sectors | % | 53.58 | 53.05 | 51.61 | 52.99 | 52.52 |
| Loans to Nonresidents | % | 3.89 | 3.96 | 4.18 | 4.94 | 4.55 |
| Return on average assets (annualised) | % | 1.36 | 0.93 | 0.87 | -0.14 | 1.32 |
| Return on average equity (annualised) | % | 17.19 | 10.94 | 8.82 | -1.72 | 15.51 |
| Interest margin to gross income (cumulative) | % | 58.58 | 45.42 | 50.60 | 46.55 | 51.50 |
| Noninterest expenses to gross income (cumulative) | % | 64.73 | 64.69 | 70.69 | 98.61 | 68.42 |
| Liquid assets to total assets | % | 40.37 | 38.27 | 38.12 | 38.42 | 39.09 |
| Liquid assets to short-term liabilities | % | 44.55 | 44.92 | 43.03 | 42.72 | 43.26 |
| Net open position in foreign exchange to capital | % | 162.44 | 113.74 | 158.13 | 182.09 | 151.06 |
| Capital to assets | % | 7.59 | 9.11 | 9.43 | 8.25 | 8.99 |
| Large exposures to capital | % | 17.14 | 11.13 | 13.85 | 21.99 | 21.28 |
| Gross asset position in financial derivatives to capital | % | --- | 0.04 | 0.00 | 0.00 | 0.00 |
| Gross liability position in financial derivatives to capital | % | --- | 0.04 | 0.00 | 0.00 | 0.00 |
| Personnel expenses to noninterest expenses (cumulative) | % | 30.86 | 27.86 | 32.17 | 19.38 | 27.90 |
| Spread between reference lending and deposit rates (basis points) | % | 6.36 | 5.54 | 5.32 | 5.59 | 5.38 |
| Customer deposits to total (noninterbank) loans | % | 155.72 | 147.78 | 157.01 | 158.89 | 161.95 |
| Foreign-currency-denominated loans to total loans | % | 11.51 | 11.88 | 11.93 | 13.96 | 13.04 |
| Foreign-currency-denominated liabilities to total liabilities | % | 21.08 | 19.77 | 17.46 | 18.09 | 17.68 |
| Residential real estate loans to total gross loans | % | 31.17 | 28.07 | 25.94 | 30.07 | 30.89 |
| Commercial real estate loans to total gross loans | % | 5.87 | 6.90 | 6.28 | 6.08 | 4.82 |
