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Financial Information
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Financial Highlights for 2015 Annual Results

Profitability (%) 2015 2014 Change
Return on average total assets 1.30 1.40 -0.10
Return on weighted average equity 17.10 19.96 -2.86
Cost-to-income ratio 26.69 27.93 -1.24

*indicates annualized ratios.

Asset Quality(%) 2015.12.31 2014.12.31 Change
NPL ratio 1.50 1.13 0.37
Allowance to NPL 156.34 206.90 -50.56

Capital Adequacy(%) 2015.12.31 2014.12.31 Change
Core Tier 1 Capital Adequacy Ratio 12.87 11.92 0.95
Capital Adequacy Ratio 15.22 14.53 0.69

Note: Data were calculated in accordance with the Regulation Governing Capital of Commercial Banks (Provisional).