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  Consolidated financial statements Separate financial statements
  2016 2015 2014 2016 2015 2014
Profitability Ratio
Yield Rate 21.75 27.84 31.55 31.31 31.68 31.04
Interest Rate 4.97 7.09 6.48 5.03 7.02 6.50
Net Yield Rate 16.78 20.75 25.07 26.29 24.66 24.54
Net Profit Rate 36.37 23.42 6.32 26.71 19.01 9.09
Return on Equity 13.29 11.55 4.93 6.65 7.07 6.12
Efficiency Ratio
Return on Total Assets 7.58 6.46 1.84 3.74 3.95 2.30
Total Assets Turn Over Ratio (Times) 0.21 0.28 0.29 0.14 0.21 0.25
Financial Policy Ratio
Ratio of Liability to Equity (times) 1.04 0.42 1.89 1.14 0.41 1.86
Ratio of Total Receivable to Loan from (times) 1.80 2.00 1.37 0.73 1.15 1.16
Dividend Rate n/a 39.67 56.63 n/a 67.97 45.68
Asset Quality Ratio
Ratio of Allowance for Doubtful Debt to Total Receivable 2.55 3.92 8.42 4.71 6.96 8.71
Bad Debt to Total Receivable 3.84 5.94 6.86 8.31 11.13 8.02
Ratio of Non performing loan to Total Receivable 2.06 3.83 8.69 5.05 7.41 9.13