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| Unit | 2019 | 2020 | 2021 | 2022 | 2023 | |
|---|---|---|---|---|---|---|
| Regulatory capital to risk-weighted assets | % | 21.27 | 20.90 | 19.65 | 16.09 | 16.92 |
| Regulatory Tier 1 capital to risk-weighted assets | % | 17.72 | 17.19 | 16.96 | 13.63 | --- |
| Nonperforming loans net of provisions to capital | % | 40.20 | 37.77 | 37.45 | 42.91 | 37.13 |
| Nonperforming loans to total gross loans | % | 10.09 | 11.59 | 12.05 | 12.25 | 11.15 |
| Loans to Residents | % | 96.11 | 96.21 | 95.98 | 95.45 | 95.84 |
| 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 | 0.98 | 0.93 |
| Sectoral distribution of total loans :General government | % | 12.06 | 10.79 | 10.60 | 10.28 | 9.84 |
| Sectoral distribution of total loans :Nonfinancial corporations | % | 29.01 | 30.98 | 32.49 | 30.72 | 31.89 |
| Sectoral distribution of total loans :Other domestic sectors | % | 53.58 | 53.20 | 51.76 | 53.28 | 52.78 |
| Loans to Nonresidents | % | 3.89 | 3.79 | 4.02 | 4.55 | 4.16 |
| Return on average assets (annualised) | % | 1.36 | 0.93 | 0.87 | -0.21 | --- |
| Return on average equity (annualised) | % | 17.19 | 10.94 | 8.82 | -2.54 | 15.89 |
| Interest margin to gross income (cumulative) | % | 58.58 | 45.42 | 50.60 | 47.26 | --- |
| Noninterest expenses to gross income (cumulative) | % | 64.73 | 64.69 | 70.69 | 100.03 | --- |
| Liquid assets to total assets | % | 40.37 | 38.36 | 38.20 | 38.62 | 39.32 |
| Liquid assets to short-term liabilities | % | 44.55 | 45.02 | 43.12 | 42.95 | --- |
| Net open position in foreign exchange to capital | % | 162.44 | 110.37 | 154.53 | 175.71 | 143.48 |
| Capital to assets | % | 7.59 | 9.11 | 9.43 | 8.20 | 8.94 |
| Large exposures to capital | % | 17.14 | 11.13 | 13.85 | 21.43 | --- |
| 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 | 19.53 | --- |
| Spread between reference lending and deposit rates (basis points) | % | 6.36 | 5.55 | 5.33 | 5.61 | 4.92 |
| Customer deposits to total (noninterbank) loans | % | 155.72 | 148.22 | 157.45 | 159.74 | 162.81 |
| Foreign-currency-denominated loans to total loans | % | 11.51 | 11.74 | 11.79 | 13.55 | 12.64 |
| Foreign-currency-denominated liabilities to total liabilities | % | 21.08 | 19.77 | 17.46 | 18.06 | 17.68 |
| Residential real estate loans to total gross loans | % | 31.17 | 28.15 | 26.01 | 30.23 | 31.04 |
| Commercial real estate loans to total gross loans | % | 5.87 | 6.92 | 6.30 | 6.11 | 4.84 |
