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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).   
                            
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