Financial Stability Report No1 20 December 2010 - Banka Qendrore ...

Number 1Financial Stability ReportTable 2. Financial Stabiltiy IndicatorsBanking system Core set 2007 2008 2009June 2010Capital adequacyAssets qua l i tyEarnings and profitabilityLiquiditySensitivity to market riskRegulatory capital to risk-w eighted assetsRegulatory Tier I capital to risk-w eighted assetsNonperforming loans net of provisions to capitalNonperforming loans to total gross loansSectoral distribution of loans to total loansOther financial corporationsPublic nonfinancial corporationsOther nonfinancial corporationsHouseholdsTotalReturn on assets (ROA)Return on equity (ROE)Interest margin to gross incomeNoninterest expenses to gross incomeLiquid assets (core) to total assets (liquid assets ratio)Liquid assets (broad) to total assets (liquid assets ratio)Liquid assets (core) to short-term liabilitiesLiquid assets (broad) to short-term liabilitiesPozicionet neto të hapura në valutë të huaj ndaj kapitalit17.5 16.5 18.1 18.716.2 15.3 15.2 15.92.8 2.3 2.9 3.64.1 2.8 4.3 4.50.0 0.1 0.2 0.30.02 0.01 0.02 0.4577.5 76.2 73.1 70.122.5 23.7 26.7 29.2100.0 100.0 100.0 100.03.2 3.0 1.5 1.7 *32.6 27.3 15.0 18 *69.9 75.0 74.4 75.068.2 68.7 80.2 74.126.5 26.8 34.6 29.226.6 28.0 37.3 32.132.9 33.4 43.6 36.933.0 35.0 47.0 40.513.1 12.4 11.3Encouraged setCapital to assetsLarge exposures to capitalPersonnel expenses to noninterest expensesSpread between reference lending and deposit ratesCustomer deposits to total (noninterbank) loansForeign-currency-denominated liabilities to total liabilities11.2 11.2 9.8 10.738.3 56.5 64.6 62.835.8 36.2 39.4 34.910.1 9.4 10.1 10.3124.0 117.1 129.8 121.93.9 4.7 5.4 4.8* ROA and ROE data for June 2010 are annualized102 |