65   SELECTED PERFORMANCE RATIOS      
           Non-Banks with Quasi Banking Functions        
           for the periods indicated        
           in percent        
2006  
March June Sept Dec
     
Annual Growth Rates       
 
Balance Sheet  
Total Assets  0.3 7.5 28.6 26.6  
Cash and Due from Banks 82.2 109.0 40.0 71.9  
Interbank Loans Receivables (46.0) (52.5) (59.7) 197.8  
Loans, gross (exclusive of IBL) (18.7) (37.7) (2.4) (21.8)  
Allowance for probable losses (10.6) (9.0) (19.4) 13.1  
Loans, net (exclusive of IBL) (19.2) (39.0) (1.3) (23.4)  
Investments (net) 6.8 33.2 61.0 45.1  
ROPOA, net (1.0) 3.8 (2.9) (2.7)  
Other Assets (6.5) (6.5) (3.7) 4.7  
Total Liabilities 8.8 19.2 39.9 31.1  
Bills Payable 10.4 24.9 48.6 29.6  
Other Liabilities (7.7) (30.7) (32.3) 51.3  
Total Capital Accounts (12.5) (12.8) 7.7 18.1  
 
Income Statement   
Total Operating Income (34.3) (44.3) 1.5 27.3  
Net interest income (47.1) (37.5) (24.3) (10.9)  
Non-interest income (27.4) (50.7) 30.2 67.1  
Operating Expenses (4.3) 8.8 15.1 0.3  
Bad debt expenses/Provisions (78.5) 106.4 69.8 50.4  
Other operating expenses 0.3 3.5 7.2 (5.9)  
Net Operating Income (45.6) (76.9) (10.1) 58.9  
Extraordinary Credits (83.1) (6.9) (65.4) (63.3)  
Net Income After Tax (57.0) (55.3) (21.4) 26.7  
 
Key Financial Ratios  
      NPL Ratio (inclusive of IBL) 13.3 14.5 3.7 4.3  
      NPL Ratio (exclusive of IBL) 14.4 14.8 3.9 4.8  
      NPA to Gross Assets 6.8 6.4 3.7 3.5  
     Cash and due from banks to Bills Payable 15.8 20.0 18.1 23.0  
     Liquid Assets to Bills Payable 92.4 91.8 90.6 100.2  
     Loans (gross)  to Bills Payable 41.6 32.7 35.4 31.8  
     Earning Asset Yield * 1/                 13.7                    13.8                    13.3                 13.4  
      Funding Cost * 2/                   7.9                      7.8                      7.2                   7.6  
      Interest Spread * 3/                   5.9                      6.0                      6.1                   5.8  
      Net Interest Margin * 4/                   9.7                      9.5                      9.0                   9.1  
      Net Interest Income to Total Operating Income                  87.8                    79.2                    74.2                 70.8  
      Cost to Income Ratio * 5/                 35.1                    37.4                    41.4                 44.3  
      Return on Assets                    1.0                      5.6                      6.2                   4.7  
       Return on Equity                   2.4                    14.0                    15.6                 11.6  
       Total Capital Accounts to Total Assets                 34.6                    29.7                    29.3                 32.2  
      Paid in Capital to Total Capital Accounts                 65.2                    71.0                    63.0                 57.3  
 
           
       
*Annualized  
1/ Refers to the ratio of Interest Income to Average Earning Assets  
2/ Refers to the ratio of Interest Expenses to Average Interest-Bearing Liabilities  
3/ Refers to the difference between Earning Asset Yield and Funding Cost  
4/ Refers to the ratio of Net Interest Income to Average Earning Assets  
5/ Refers to the ratio of Operating Expenses (exclusive of Bad Debts and Provisions) to Total Operating Income
Note: Details may not add up to totals due to rounding-off
Source: Supervisory Data Center, Supervision and Examination Sector      
Updated as of 1 April 2008