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  Consolidated financial statements Separate financial statements
  2015 2014 2013 2015 2014 2013
Profitability Ratio
Yield Rate 31.32 31.55 32.84 31.68 31.04 33.14
Interest Rate 7.09 6.48 5.97 7.02 6.50 5.97
Net Yield Rate 24.23 25.07 26.87 24.66 24.54 27.17
Net Profit Rate 23.42 6.32 16.33 19.01 9.09 17.89
Return on Equity 11.55 4.93 12.49 7.07 6.12 13.45
Efficiency Ratio
Return on Total Assets 6.46 1.84 5.36 3.95 2.30 5.77
Total Assets Turn Over Ratio (Times) 0.28 0.29 0.33 0.21 0.25 0.32
Financial Policy Ratio
Ratio of Liability to Equity (times) 0.42 1.89 1.43 0.41 1.86 1.43
Ratio of Total Receivable to Loan from (times) 1.63 1.37 1.57 1.15 1.16 1.55
Dividend Rate n/a 56.63 69.23 n/a 45.68 64.52
Asset Quality Ratio
Ratio of Allowance for Doubtful Debt to Total Receivable 5.56 8.42 7.94 6.96 8.71 8.09
Bad Debt to Total Receivable 8.44 6.86 2.59 11.13 8.02 2.65
Ratio of Non performing loan to Total Receivable 5.45 8.69 8.65 7.41 9.13 8.85