financial stability report - Banka Qendrore e Republikës së Kosovës
financial stability report - Banka Qendrore e Republikës së Kosovës financial stability report - Banka Qendrore e Republikës së Kosovës
Number 3 Financial Stability Report 92 |
Financial Stability Report Number 3 Table 1. Financial Soundness Indicators Banking system Core set 2009 2010 2011 June 2012 Capital adequacy Asset qua l i ty Earnings and profitability Liquidity Regulatory capital to risk-w eighted assets Regulatory Tier I capital to risk-w eighted assets Nonperforming loans net of provisions to capital Nonperforming loans to total gross loans Sectoral distribution of loans to total loans Other financial corporations Public nonfinancial corporations Other nonfinancial corporations Households Total Return on assets (ROA)* Return on equity (ROE)* Interest margin to gross income Noninterest expenses to gross income Liquid assets (core) to total assets Liquid assets (broad) to total assets Liquid assets (core) to short-term liabilities Liquid assets (broad) to short-term liabilities 18.1 18.8 17.6 17.2 15.2 15.8 14.8 14.4 2.9 3.7 4.4 5.2 4.3 5.2 5.8 6.5 0.2 0.4 0.5 1.0 0.02 0.43 0.09 0.08 73.1 69.6 69.2 68.1 26.7 29.5 30.1 30.7 100.0 100.0 100.0 100.0 1.5 1.8 1.7 1.0 ** 15.0 18.8 17.4 9.7 ** 74.4 74.5 75.2 75.4 80.2 74.3 76.8 86.6 34.6 32.3 26.6 22.6 37.3 36.8 31.3 28.9 43.6 40.6 33.7 28.3 47.0 46.2 39.6 36.2 Sensitivity to market risk Net open position in foreign exchange to capital 12.4 0.1 2.5 2.4 Encouraged set * ROA and ROE for June 2012 are annualised. Capital to assets Large exposures to capital Personnel expenses to noninterest expenses Spread betw een reference lending and deposit rates Customer deposits to total (noninterbank) loans Foreign-currency-denominated liabilities to total liabilities 9.8 10.1 10.2 10.3 64.6 72.4 77.8 80.9 39.4 39.4 38.7 38.4 10.1 10.9 10.2 9.9 129.8 126.2 117.5 112.2 5.4 4.9 4.9 4.6 | 93
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Number 3<br />
Financial Stability Report<br />
92 |
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