Investor Presentaiton
Formulas for calculation of alternative performance
measures
CIR ratio, %
ROE, %
NIM, %
Cost of risk, %
L/D ratio, %
Cost income ratio (Operating expenditures (bullet 19. of P&L) / Operating income (sum of bullets 3., 6., 8., 11., 14.,
15., 16. in P&L))
Return on equity (profit/loss for the period (bullet 24. of P&L) / average capital and reserves (average of bullet C of
liabilities for the period observed and end of the year before)
Net interest margin (net interest income (bullet 3. of P&L) / average interest bearing assets (average of bullets 2., 3.,
5., 6., 9. i 10. of assets for the period observed and end of the year before)
Impairment and provisions for losses (bullet 21. of P&L) / weighted loans to other customers - net (average of bullet
10. of assets for the period observed and the period before)
Loan to deposit ratio (loans to other customers (bullet 10. of assets) / deposits (bullet 2. of liabilities)
ERSTEŚ
Bank
28View entire presentation