Profitability Ratio

     Yield  rate (%)

36.81

38.55

39.81

     Interest rate  (%)

6.81

6.59

6.92

     Net yield rate (%)

30.00

31.96

32.89

     Net profit rate (%)

22.64

24.56

19.81

     Return on equity (%)

21.58

27.72

21.20

  Efficiency Ratio

     Return on total assets (%)

8.35

9.47

7.93

     Total assets turnover ratio (times)

0.37

0.39

0.40

  Financial Policy Ratio

     Ratio of Liability to Equity (times)

1.26

1.98

1.86

     Ratio of Total receivable to Loan from (times)

1.62

1.52

1.59

     Dividend rate (%)*

69.77

7.35

75.41

  Asset Quality Ratio

     Ratio of Allowance for doubtful debt to Total receivable (%)

8.92

5.96

5.22

     Ratio of Bad debt to Total receivable (%)

3.42

2.13

3.10

     Ratio of Non performing loan to Total receivable  (%)

4.37

3.91

3.03