65   SELECTED PERFORMANCE RATIOS
	Non-Banks with Quasi Banking Functions
	for the periods indicated
	in percent
		Mar-11	Jun-11	Sep-11
	Annual Growth Rates
	Balance Sheet
	Total Assets	14.3	17.2	23.4
	Cash and Due from Banks	3.1	25.0	32.5
	Interbank Loans Receivables	(11.8)	175.4	(35.7)
	Loans, gross (exclusive of IBL)	24.0	13.7	18.8
	Allowance for probable losses	41.5	27.2	30.8
	Loans, net (exclusive of IBL)	23.5	13.3	18.4
	Investments (net)	8.7	17.6	23.6
	ROPOA, net	19.7	31.5	(5.4)
	Other Assets	23.3	13.7	29.5
	Total Liabilities	12.8	17.1	26.8
	Bills Payable	12.5	15.7	26.7
	Other Liabilities	16.0	31.5	28.4
	Total Capital Accounts	20.3	17.7	10.2
	Income Statement
	Total Operating Income	1.7	16.1	6.5
	Net interest income	21.2	22.3	14.4
	Non-interest income	(31.3)	5.2	(5.1)
	Operating Expenses	16.0	20.7	18.3
	Bad debt expenses/Provisions	18.6	29.7	27.5
	Other operating expenses	15.1	17.6	15.5
	Net Operating Income	(18.8)	9.2	(8.9)
	Extraordinary Credits	21.1	136.4	233.7
	Net Income After Tax	(17.8)	26.2	14.6
	Key Financial Ratios
	NPL Ratio (inclusive of IBL)	4.3	4.6	4.6
	NPL Ratio (exclusive of IBL)	4.4	4.7	4.6
	NPA to Gross Assets	3.2	3.1	2.8
	Cash and due from banks to Bills Payable	18.5	21.5	21.8
	Liquid Assets to Bills Payable	54.4	60.7	56.0
	Loans (gross)  to Bills Payable	60.6	57.3	54.7
	Earning Asset Yield * 1/	13.5	13.1	12.9
	Funding Cost * 2/	5.0	4.7	4.7
	Interest Spread * 3/	8.5	8.4	8.2
	Net Interest Margin * 4/	8.5	8.2	8.0
	Net Interest Income to Total Operating Income	61.6	60.8	62.2
	Cost to Income Ratio * 5/	43.8	43.0	45.3
	Return on Assets	3.4	3.6	3.5
	Return on Equity	16.3	18.2	17.7
	Total Capital Accounts to Total Assets	21.2	19.7	18.5
	Paid in Capital to Total Capital Accounts	46.2	45.5	44.1
	* 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 04 November 2011