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Financial Soundness Indicators (%)

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Unit 2018 2019 2020 2021 2022
Regulatory capital to risk-weighted assets % 19.13 21.27 20.90 19.85 16.67
Regulatory Tier 1 capital to risk-weighted assets % 16.87 17.72 17.19 16.94 13.60
Nonperforming loans net of provisions to capital % 49.22 40.20 37.77 37.45 42.68
Nonperforming loans to total gross loans % 11.29 10.09 11.59 12.05 12.25
Loans to Residents % 96.62 96.11 96.21 95.98 95.45
Sectoral distribution of total loans :Deposit-takers % 1.20 0.51 0.31 0.21 0.19
Sectoral distribution of total loans :Central bank % --- --- 0 0 0
Sectoral distribution of total loans: Other financial corporations % 1.14 0.94 0.93 0.92 0.98
Sectoral distribution of total loans :General government % 11.49 12.06 10.79 10.61 10.29
Sectoral distribution of total loans :Nonfinancial corporations % 29.31 29.01 30.98 32.48 30.72
Sectoral distribution of total loans :Other domestic sectors % 53.47 53.58 53.20 51.76 53.28
Loans to Nonresidents % 3.38 3.89 3.79 4.02 4.55
Return on average assets (annualised) % 1.08 1.36 0.97 0.87 -0.20
Return on average equity (annualised) % 16.26 17.19 11.42 8.82 -2.35
Interest margin to gross income (cumulative) % 59.27 58.58 46.49 50.60 47.26
Noninterest expenses to gross income (cumulative) % 66.06 64.73 62.15 70.69 100.03
Liquid assets to total assets % 36.63 40.37 38.36 38.20 38.61
Liquid assets to short-term liabilities % 39.66 44.55 45.02 43.12 42.95
Net open position in foreign exchange to capital % 167.48 162.44 110.37 154.53 174.78
Capital to assets % 6.55 7.59 9.11 9.43 8.24
Large exposures to capital % 17.47 17.14 10.38 13.57 21.38
Gross asset position in financial derivatives to capital % --- --- 0.04 0 0
Gross liability position in financial derivatives to capital % --- --- 0.04 0 0
Personnel expenses to noninterest expenses (cumulative) % 31.33 30.86 29.41 32.17 19.53
Spread between reference lending and deposit rates (basis points) % 6.53 6.36 5.55 5.33 5.61
Customer deposits to total (noninterbank) loans % 157.37 155.72 148.25 157.49 159.77
Foreign-currency-denominated loans to total loans % 13.43 11.51 11.74 11.79 13.55
Foreign-currency-denominated liabilities to total liabilities % 18.76 21.08 19.77 17.46 18.06
Residential real estate loans to total gross loans % 38.92 31.17 28.15 26.01 30.23
Commercial real estate loans to total gross loans % 6.52 5.87 6.92 6.30 6.11
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