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Financial Soundness Indicators (%)

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Unit Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023
Regulatory capital to risk-weighted assets % 17.84 15.87 16.67 15.46 16.02
Regulatory Tier 1 capital to risk-weighted assets % 16.61 13.51 13.60 12.90 13.04
Nonperforming loans net of provisions to capital % 42.13 41.51 42.68 39.73 40.25
Nonperforming loans to total gross loans % 12.26 11.90 12.25 11.76 11.63
Loans to Residents % 95.39 95.50 95.45 95.46 95.60
Sectoral distribution of total loans :Deposit-takers % 0.21 0.20 0.19 0.19 0.18
Sectoral distribution of total loans :Central bank % 0 0 0 0 0
Sectoral distribution of total loans: Other financial corporations % 0.96 1.00 0.98 0.95 1.00
Sectoral distribution of total loans :General government % 10.17 10.39 10.29 10.28 9.96
Sectoral distribution of total loans :Nonfinancial corporations % 32.34 32.82 30.72 30.69 32.02
Sectoral distribution of total loans :Other domestic sectors % 51.72 51.09 53.28 53.35 52.34
Loans to Nonresidents % 4.61 4.50 4.55 4.54 4.40
Return on average assets (annualised) % -0.59 -0.45 -0.20 0.24 1.05
Return on average equity (annualised) % -6.86 -5.36 -2.35 2.61 12.50
Interest margin to gross income (cumulative) % 51.48 49.53 47.26 46.73 49.72
Noninterest expenses to gross income (cumulative) % 131.93 112.19 100.03 74.83 72.81
Liquid assets to total assets % 39.27 39.16 38.61 40.75 39.89
Liquid assets to short-term liabilities % 44.98 43.39 42.95 45.32 44.51
Net open position in foreign exchange to capital % 185.35 167.51 174.78 190.21 160.02
Capital to assets % 8.13 8.17 8.24 8.14 8.47
Large exposures to capital % 13.39 21.94 21.38 20.04 17.72
Gross asset position in financial derivatives to capital % 0 0 0 0 0
Gross liability position in financial derivatives to capital % 0 0 0 0 0
Personnel expenses to noninterest expenses (cumulative) % 16.13 18.69 19.53 24.14 25.60
Spread between reference lending and deposit rates (basis points) % 5.57 5.50 5.61 5.61 5.50
Customer deposits to total (noninterbank) loans % 162.77 160.13 159.77 167.08 164.45
Foreign-currency-denominated loans to total loans % 12.84 12.97 13.55 13.86 14.18
Foreign-currency-denominated liabilities to total liabilities % 19.02 18.47 18.06 18.61 17.15
Residential real estate loans to total gross loans % 27.67 32.72 30.23 29.82 30.95
Commercial real estate loans to total gross loans % 6.15 6.22 6.11 6.06 4.20
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