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Financial Soundness Indicators (%)

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Unit Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023
Regulatory capital to risk-weighted assets % 16.09 15.34 16.01 16.56 16.92
Regulatory Tier 1 capital to risk-weighted assets % 13.63 12.83 12.99 13.02 ---
Nonperforming loans net of provisions to capital % 42.91 39.94 40.45 37.99 37.13
Nonperforming loans to total gross loans % 12.25 11.76 11.63 11.30 11.15
Loans to Residents % 95.45 95.46 95.60 95.77 95.84
Sectoral distribution of total loans :Deposit-takers % 0.19 0.19 0.18 0.22 0.21
Sectoral distribution of total loans :Central bank % 0.00 0.00 0.00 0.00 0.00
Sectoral distribution of total loans: Other financial corporations % 0.98 0.95 0.93 0.92 0.93
Sectoral distribution of total loans :General government % 10.28 10.28 9.96 10.11 9.84
Sectoral distribution of total loans :Nonfinancial corporations % 30.72 30.69 32.10 32.15 31.89
Sectoral distribution of total loans :Other domestic sectors % 53.28 53.35 52.34 52.17 52.78
Loans to Nonresidents % 4.55 4.54 4.40 4.23 4.16
Return on average assets (annualised) % -0.21 0.25 1.06 1.20 ---
Return on average equity (annualised) % -2.54 2.76 12.86 14.70 15.89
Interest margin to gross income (cumulative) % 47.26 46.73 49.79 51.60 ---
Noninterest expenses to gross income (cumulative) % 100.03 74.83 72.88 70.66 ---
Liquid assets to total assets % 38.62 40.77 39.84 39.29 39.32
Liquid assets to short-term liabilities % 42.95 45.32 44.43 44.06 ---
Net open position in foreign exchange to capital % 175.71 191.21 160.83 155.85 143.48
Capital to assets % 8.20 8.10 8.41 8.66 8.94
Large exposures to capital % 21.43 20.28 17.80 18.09 ---
Gross asset position in financial derivatives to capital % 0.00 0.00 0.00 0.00 0.00
Gross liability position in financial derivatives to capital % 0.00 0.00 0.00 0.00 0.00
Personnel expenses to noninterest expenses (cumulative) % 19.53 24.14 25.53 26.68 ---
Spread between reference lending and deposit rates (basis points) % 5.61 5.61 5.52 5.45 4.92
Customer deposits to total (noninterbank) loans % 159.74 167.08 165.02 161.97 162.81
Foreign-currency-denominated loans to total loans % 13.55 13.86 14.18 13.55 12.64
Foreign-currency-denominated liabilities to total liabilities % 18.06 18.61 17.12 16.62 17.68
Residential real estate loans to total gross loans % 30.23 29.82 30.96 30.51 31.04
Commercial real estate loans to total gross loans % 6.11 6.06 4.20 5.29 4.84
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ECCB@40 Commemorative Magazine