Investor Presentaiton
Consolidated Key Ratios
%
1H23
1H22 ΔΥΟΥ
2Q22 1Q23 2Q23 AQOQ ΔΥΟΥ
Net Interest Margin (NIM)
4.4
3.7
0.7
3.9
4.4
4.4
0.5
Non-Interest Income / Operating Income
14.6
20.0
-5.4
17.5
13.6
15.6
2.0
-1.9
Total Operating Expenses / Total Operating Income
70.0
69.5
0.5
61.9
69.6
70.3
0.7
8.4
(BOPO)
Cost Income (CTIR)
43.6
45.4
-1.8
44.8
44.0
43.2
-0.8
-1.6
Return on Assets (ROA)
2.2
1.9
0.3
2.3
2.2
2.2
-0.1
Return on Equity (ROE)
LoanDeposit (LDR)
12.3
10.6
1.7
13.2
12.3
12.3
-0.9
78.9
74.0
4.9
74.0
80.5
78.9
-1.6
4.9
Loan Funding (LTF) 1)
76.8
71.9
4.9
71.9
78.3
76.8
-1.5
4.9
CASA Deposit (CASA)
54.8
56.7
-1.9
56.7
55.6
54.8
-0.8
-1.9
Non-Performing Loans (NPL) - Gross
2.3
2.4
-0.1
2.4
2.4
2.3
-0.1
-0.1
Non-Performing Loans (NPL) - Net
0.7
0.8
-0.1
0.8
0.8
0.7
-0.1
-0.1
Loan Loss Provision (LLP) / NPL
256.4
252.5
3.9
252.5
230.2
256.4
26.2
3.9
Net Open Position (NOP)
4.3
5.5
-1.2
5.5
3.6
4.3
0.7
-1.2
Capital Adequacy Ratio (CAR)
23.2
22.0
1.2
22.0
24.1
23.2
-0.9
1.2
Notes:
1) Funding includes Customer Deposits, Subordinated Debt and Borrowings.
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