2001

     2002

     2003

     2004

     2005

1. Capital Adequacy

Regulatory Tier 1 Capital/Total   Assets

11.7

10.7

10.0

11.7

11.2

Regulatory Tier 1 Capital/Risk Weighted Assets

26.9

24.4

22.2

22.1

21.7

Regulatory Capital/Risk Weighted Assets

27.7

25.1

25.3

24.9

24.8

Non-Performing Loans/Capital

21.6

17.4

6.8

3.6

3.3

2. Asset Quality Standards

Non- Performing Loans/Total Loans

10.7

11.1

8.1

6.3

4.3

Loans Provisions/Non-Performing Loans

61.9

70.9

85.4

87.6

84.3

Loans Provisions/Total Loans

6.6

7.9

6.9

5.5

3.6

Total Provisions/Total Assets

5.3

5.9

5.2

3.9

2.4

3. Profitability Standards  

Net Profits/ Average Shareholders' Equity

15.8

18.1

20.8

20.8

28.5

Net Profits/Average Total Assets

1.9

2.1

2.5

2.8

4.3

Net Interest/Average Total Assets

2.0

3.3

3.0

2.7

3.0

Net Interest/Total Income

25.6

53.1

50.4

48.0

37.2

Other Income/Average Total Assets

1.8

1.2

1.7

1.8

3.1

Other Income/Total income

22.9

20.0

28.9

30.6

39.0

Other Expenses/Total Income

28.5

39.1

38.5

30.5

22.4

Wages & Salaries/Other Expenses

30.6

30.6

31.0

38.0

35.8

4. Liquidity Standards 

Cash and Balances with QCB/Total Assets

3.0

3.4

3.2

3.7

4.0

Liquid Assets/Total Assets

34.0

39.0

38.5

41.6

41.5

Liquid Assets/Liquid Liabilities

44.2

51.1

50.9