How key financial figures have been obtained 

Capital adequacy ratio, %

  • The ratio of total own funds to total amount of risk-weighted items.

Non-performing assets, %

  • The ratio of non-performing assets (incl. zero-interest and guarantee claims) to claims on the public and off-balance sheet items.

Cost/Income, %

  • The ratio of expense for the financial year (commission expenses, administrative expenses, depreciation and write-downs, other operating expenses) to income for the financial year (net income from financial operations, income from equity investments, fee income, net income from securities transactions and foreign exchange dealing, other operating income).

Net operating profit/average balance sheet total, %

  • The ratio of net operating profit to average the balance sheet total for the two preceding years.

Balance sheet growth, %

  • The change in the balance sheet total compared with the previous year.

The ratios are compared to the lower quartile (Q1), the median (Med) and the upper quartile, which denote the 25% (Q1), 50% (Med) and 75% (Q3) proportion of the reference group whose values are below the given value.

 

21 April 2009