1. Non-Performing Loan Ratio = Non-Performing Loans / Total Loans Outstanding 2.Coverage Ratio = LLR/NPL (Loan Loss Reserves/ Non-Performing Loans) 3. Capital Adequacy Ratio=the aggregate amount of net Tier 1 Capital and net Tier 2 Capital / total risk-weighted assets 4. Loan-to-Deposit Ratio = Annual average loans outstanding / Annual average deposits 5. Liquid Reserve Ratio = Central Bank Liquid Asset Requirements / Liabilities Requiring the Provision of Liquid Reserves 6.Interest Rate Spread on Deposit and Loan=Interest Rates on Loans - Interest Rates on deposit

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