S.N.

Bank Names 2008 2009 2010 2011 2012 2013 2014

1 ADBL 6.25 3.37 2.43 0.62 0.61 0.62
2 BOK Ltd. 0.92 0.9 0.98 0.94 0.99 0.99
3 Citizens Bank 0.97 0.86 0.97 0.97 0.99 0.98
4 EBL 0.91 0.92 0.96 0.61 0.71 0.71
5 Global IME 0.28 10.61 1 0.95 0.94 0.79
6 HBL
7 Kumari Bank Ltd. 0.93 0.86 1.24 0.95 0.99 0.96
8 Laxmi Bank Ltd. 0.89 0.95 0.97 0.8 0.97 0.95
9 Lumbini Bank 2.01 1.59 0.95 0.92 0.98 0.87
10 MBL 0.21 0.94 0.1 -3.74 1.7 0.9
11 Nabil Bank Ltd. 0.66 0.74 0.74 0.74 0.74 0.84
12 NIB Ltd. 0.84 0.71 0.86 0.99 0.96 0.93
13 Nepal SBI Bank Ltd. 0.99 0.99 0.99 0.99 1 0.99
14 NMB Bank 0.25 0.98 0.93 0.21 0.99 1
15 Prime Bank Ltd. 0.69 0.82 0.85 0.98 0.95 0.98
16 Siddhartha Bank 0.93 0.62 0.93 0.72 0.98 0.98
17 SCBL 0.83 0.98 0.96 0.99 0.97 0.99
18 Sunrise Bank Ltd. 0.74 0.75 0.76 0.95 0.94 0.26
Mean 1.58 3.05 3.83 2.65 1.39 1.33
S.D. 2.21 6.73 12.53 9.19 1.99 2.01
Mean S.D.
2.31 2.25
0.95 0.04 72 15
0.96 0.05 71 14
0.8 0.15 70 13
2.43 4.02 69 12
68 11
0.99 0.13 67 10
0.92 0.07 66 9
1.22 0.47 65 8
0.02 1.93
0.74 0.06
0.88 0.1
0.99 0
0.73 0.38
0.88 0.12
0.86 0.15
0.95 0.06
0.73 0.25
 Name of Year
Mean
the bank 2008 2009 2010 2011 2012 2013 2014
1 NBL 1.3 1.38 1.35 1.48 1.47 1.52 1.34 1.41
2 NIBL 1.29 1.21 1.24 1.34 1.23 1.22 1.13 1.24
3 SCBL 1.37 1.3 1.51 1.53 1.77 1.76 1.59 1.55
4 HBL 1.76 1.93 2.07 2.35 2.48 2.51 2.28 2.2
5 SBI 1.32 1.12 1.25 1.52 1.28 1.38 1.55 1.35
6 EBL 1.44 1.3 1.4 1.46 1.47 1.48 1.5 1.44
7 BOK 1.47 1.85 1.98 1.95 1.93 1.93 1.94 1.86
8 LBL 2.13 2.06 1.97 2.24 1.95 1.72 1.22 1.9
9 MBL 1.57 1.57 1.82 2.17 1.95 1.98 1.62 1.81
10 KBL 1.58 1.63 1.76 1.86 1.62 1.54 1.49 1.64
11 LXBL 1.16 1.08 1.26 1.52 1.43 1.56 1.45 1.35
12 SBL 1.03 1.09 1.23 1.73 1.72 1.8 1.69 1.47
13 ADBL 4.89 5.38 5.57 4.36 4.03 3.55 4.37 4.59
14 GIBL 1.23 1.58 1.8 2.24 1.51 1.99 1.69 1.72
15 CBIL 1.11 1.02 1.18 1.55 1.6 1.5 1.35 1.33
16 PCBL 0.8 0.76 0.83 1.06 1.03 1 0.96 0.92
17 SRBL 1.61 1.18 1.91 2.4 2.23 2.1 2.11 1.93
18 NMB 0.59 0.74 1.24 1.33 1.36 1.26 1.33 1.12
Mean 1.63 1.61 1.76 1.89 1.78 1.75 1.71
S.D 0.91 0.98 0.97 0.69 0.63 0.55 0.7
S.D

0.08
0.07
0.18
0.28
0.15
0.07
0.18
0.34
0.23
0.13
0.19
0.34
0.73
0.33
0.23
0.12
0.42
0.32
 Name of Year
Mean
the bank 2008 2009 2010 2011 2012 2013 2014
1 NBL 21.17 23.96 15.99 11.91 12.26 19.59 20.99
2 NIBL 37.41 38.5 39.2 41.7 42 42.4 44.8
3 SCBL 24.28 23.58 26.43 21.86 22.19 29.79 33.8
4 HBL 45.91 47.54 46.83 47.06 47.03 44.49 42.49
5 SBI 10.98 10.42 6.8 9.13 8.22 12.32 13.93
6 EBL 15.42 12.53 10.52 9.13 9.53 14.66 15.44
7 BOK 12.64 14.99 11.35 10.58 11.63 14.61 14.25
8 LBL 45.24 49.65 46.05 41.28 42.73 49.77 49.00
9 MBL 11.83 11 10 8.28 9.11 38.89 13.28
10 KBL 37.68 40.73 41.49 44.2 47.82 46.93 48.01
11 LXBL 43.29 43.34 46.27 48.22 47.78 46.3 4746
12 SBL 9.14 7.88 6.15 6.64 6.79 9.27 10.15
13 ADBL 48.94 40.57 59.32 46.97 42.11 40.45 42.19
14 GIBL 41.1 33.29 32.38 39.5 34.22 37.4 36.96
15 CBIL 35.97 30.49 32.53 31.32 33.84 37.06 38.11
16 PCBL 42.92 33.44 34.34 34.76 32.69 34.45 36.78
17 SRBL 60.04 61.95 38.31 36.93 40.97 39.71 42.26
18 NMB 48.98 38.97 42.03 44.45 38.59 48.29 45.23
Mean
S.D
S.D

Staff ecpenses to total operating expenses

100
Bank 2008 2009 2010 2011 2012 2013 2014 Mean SD
NBL 404.6 409.1 752.2 941 1227.9 1275.7 1511.4 931.7 433.08
NIBL 537.2 584.4 627.5 615.4 853.9 1178.3 1432.1 832.69 345.8
SCB 245.4 200.9 217.9 234 252.5 309.5 351.8 258.86 53.35
HBL 679 708.4 1093.3 1347.8 940.1 1127.7 1411.4 1043.96 286.75
NSBI 616.2 474.9 464.2 353.7 321.6 405.8 434.7 438.73 96.18
EBL 497.3 584.9 600 604.2 705.9 878.3 878.3 678.41 149.37
BOK 279 297.5 387.1 488.8 505.2 562.5 562.5 440.37 119.49
LBL 914 698 385.5 101.1 89 167.3 239.8 370.67 319.65
MBL 263.7 517.3 654.6 314.9 447.2 479.3 453.8 447.26 129.21
KBL 189.6 186.6 199 296.4 508.7 752.6 937.3 438.6 304.23
LXBL 113.5 147.7 176.2 185.5 218.6 356.3 372.6 224.34 101.17
SBL 141 171.9 229.3 258.2 407 1994.1 654.9 550.91 660.19
ADBL 5456.3 6399.5 5737 5723.7 5944.5 5188.8 4949.7 5628.5 482.85
GIBL 51.3 96.7 154.9 406.8 445.3 549 1135.6 405.66 373.91
CBL 48 82.1 139.2 242.4 285.8 397.2 565.5 251.46 184.3
NMB 57.5 86.9 123 142.6 397.6 413.7 316.3 219.66 151.58
SUBL 40.3 98.1 178.7 403 443.5 672.2 804.5 377.19 290.25
PBL 51.6 98.3 155.8 213.1 278.6 531.1 593.3 274.54 210.59
Mean 588.08 657.96 681.97 715.14 792.94 957.74 978.08
SD 1241.69 1450.2 1289.88 1287.27 1316.26 1146.36 1068.98
Bank 2008 2009 2010 2011 2012 2013 2014 Mean SD
NBL 6.00 6.01 6.62 6.85 7.11 7.15 7.32 931.7 433.08
NIBL 6.29 6.37 6.44 6.42 6.75 7.07 7.27 832.69 345.8
SCB 5.50 5.30 5.38 5.46 5.53 5.73 5.86 258.86 53.35
HBL 6.52 6.56 7.00 7.21 6.85 7.03 7.25 1043.96 286.75
NSBI 6.42 6.16 6.14 5.87 5.77 6.01 6.07 438.73 96.18
EBL 6.21 6.37 6.40 6.40 6.56 6.78 6.78 678.41 149.37
BOK 5.63 5.70 5.96 6.19 6.22 6.33 6.33 440.37 119.49
LBL 6.82 6.55 5.95 4.62 4.49 5.12 5.48 370.67 319.65
MBL 5.57 6.25 6.48 5.75 6.10 6.17 6.12 447.26 129.21
KBL 5.24 5.23 5.29 5.69 6.23 6.62 6.84 438.6 304.23
LXBL 4.73 5.00 5.17 5.22 5.39 5.88 5.92 224.34 101.17
SBL 4.95 5.15 5.44 5.55 6.01 7.60 6.48 550.91 660.19
ADBL 8.60 8.76 8.65 8.65 8.69 8.55 8.51 5628.5 482.85
GIBL 3.94 4.57 5.04 6.01 6.10 6.31 7.03 405.66 373.91
CBL 3.87 4.41 4.94 5.49 5.66 5.98 6.34 251.46 184.3
NMB 4.05 4.46 4.81 4.96 5.99 6.03 5.76 219.66 151.58
SUBL 3.70 4.59 5.19 6.00 6.09 6.51 6.69 377.19 290.25
PBL 3.94 4.59 5.05 5.36 5.63 6.27 6.39 274.54 210.59
Mean 588.08 657.96 681.97 715.14 792.94 957.74 978.08
SD 1241.69 1450.2 1289.88 1287.27 1316.26 1146.36 1068.98
Bank 2008 2009 2010 2011 2012 2013 2014 Mean SD
NBL 0.8 0.8 0.1 1.8 2.3 2.1 2.2 1.44 0.87
NIBL 1.1 0.8 0.5 0.6 2 1.9 1.7 1.23 0.63
SCB 0.9 0.7 0.5 0.6 0.7 0.8 0.3 0.64 0.2
HBL 2.4 2.2 3.2 3.9 2.1 2.2 2.6 2.66 0.66
NSBI 3.6 2 1.5 1.1 0.5 0.4 0.3 1.34 1.18
EBL 0.6 0.5 0.2 0.3 0.8 0.6 0.6 0.51 0.2
BOK 1.8 1.3 1.2 1.8 2.3 1.5 1.1 1.57 0.42
LBL 14.9 9.1 4.7 1 0.5 0.9 0.9 4.57 5.53
MBL 1 2.8 1.8 4.5 2.7 2.9 1.7 2.49 1.13
KBL 1.4 0.4 0.4 1.1 2.2 3.9 3.5 1.84 1.42
LXBL 0.1 0.1 0.1 0.9 0.6 1.3 1.1 0.6 0.51
SBL 0.6 0.5 0.4 0.6 2.3 2.4 1.7 1.21 0.89
ADBL 11.6 8.8 8.2 8.6 6.4 5.8 5.3 7.81 2.18
GIBL 0.09 0.1 0.6 2.5 1.6 1.3 2.4 1.23 1.01
CBL 0 0 0 1.2 2 2 2.4 1.09 1.08
NMB 1.5 0.5 0.7 0.3 2.5 1.8 0.5 1.11 0.83
SUBL 0 0.2 1.3 3.4 3 3.7 4.5 2.3 1.79
PBL 0 0 0.2 0.5 0.5 2.2 1.9 0.76 0.91
Mean 2.36 1.71 1.42 1.93 1.94 2.09 1.93
SD 4.11 2.75 2.08 2.09 1.4 1.33 1.4
Bank 2008 2009 2010 2011 2012 2013 2014 Mean SD
NBL 11.91 11.71 11.61 11.75 12.71 13.17 9.06 11.7 1.3
NIBL 11.31 12.1 11.69 12.09 11.82 12.99 8.8 11.54 1.32
SCB 16.8 14.7 17.78 17.38 16.28 14.48 10.56 15.43 2.49
HBL 12.5 11.31 11.02 11.45 11.9 12.15 8.26 11.23 1.4
NSBI 12.54 12.18 14.14 11.84 11.37 12.86 8.56 11.93 1.73
EBL 11.34 11.04 10.56 10.43 11.08 13.22 8.48 10.88 1.4
BOK 11.47 11.91 11.45 11.62 12.58 12.62 8.87 11.5 1.26
LBL 5.99 17.78 24.62 14.68 23.55 21.57 14.26 17.49 6.52
MBL 11.3 11.61 11.18 10.86 14.6 12.66 8.33 11.51 1.9
KBL 14.96 11.57 13.8 14.45 13.27 12.23 9.84 12.87 1.79
LXBL 11.16 11.49 14.99 13.21 11.81 12.27 8.78 11.96 1.91
SBL 11.2 10.45 10.73 11.75 11.47 12.28 7.13 10.72 1.7
ADBL 14.93 15.79 18.05 19.95 18.25 17.89 11.64 16.64 2.76
GIBL 11.66 9.53 11.36 11.2 12.47 12.02 9.65 11.13 1.13
CBL 11.8 11.65 11.28 15.57 15.54 13.58 8.88 12.61 2.43
NMB 36.25 20.14 20.68 17.8 14.65 12.68 8.88 18.73 8.79
SUBL 14.16 13.36 11.74 14.68 12.75 11.89 9.77 12.62 1.66
PBL 13.28 10.35 11.68 16.34 14.85 13.82 9.59 12.84 2.43
Mean 13.59 12.7 13.8 13.73 13.94 13.58 9.41
SD 6.08 2.74 3.99 2.77 3.09 2.42 1.56
Bank 2008 2009 2010 2011 2012 2013 2014 Mean SD
NBL 2.32 2.55 2.38 2.43 2.8 3.25 2.89 2.66 0.34
NIBL 1.77 1.68 2.19 2.02 1.6 2.6 2.3 2.02 0.36
SCB 2.46 2.56 2.7 2.55 2.8 2.67 2.51 2.61 0.12
HBL 1.76 1.91 1.19 1.91 1.76 1.54 1.46 1.65 0.26
NSBI 1.44 1.05 1.03 1.01 0.8 1.19 1.5 1.15 0.25
EBL 1.65 1.73 2.09 2.1 2.11 2.39 2.39 2.07 0.29
BOK 2.04 2.25 2.18 2.44 2.1 1.9 1.35 2.04 0.35
LBL 5.36 4.4 4.1 4.41 1.95 1.12 1.19 3.22 1.75
MBL 0.68 0.7 0.35 0.3 0.16 0.49 1.12 0.54 0.32
KBL 1.16 1.41 1.59 1.23 1.1 1.03 1.1 1.23 0.2
LXBL 0.95 1.03 0.82 1.76 1.5 1.5 1.26 1.26 0.34
SBL 1.23 1.27 1.06 1.25 1.2 1.43 1.79 1.32 0.23
ADBL 1.53 2.04 3.5 3.99 2.9 2.97 1.39 2.62 0.99
GIBL 0.74 0.21 0.42 1.28 0.87 1.15 1.62 0.9 0.49
CBL 0.75 0.74 1.17 1.18 1.22 1.79 1.71 1.22 0.41
NMB 0.82 0.4 1.21 1.39 0.28 1.43 1.36 0.98 0.49
SUBL - 0.51 1.21 0.28 0.52 1.19 0.83 0.65 0.45
PBL 0.44 1.06 1.61 1.63 0.99 1.47 1.46 1.24 0.43
Mean 1.51 1.53 1.71 1.84 1.48 1.73 1.62
SD 1.17 1.01 1.01 1.08 0.84 0.75 0.55
Bank 2008 2009 2010 2011 2012 2013 2014 Mean SD
NBL 37.41 29.29 18.28 17.82 10.23 11.21 17.48 20.25 9.8
NIBL 55.28 33.54 12.25 2.4 2.03 11.43 12.08 18.43 19.32
SCB 26.73 0 21.45 11.08 3.83 25.85 13.8 14.68 10.51
HBL 13.09 26.55 14.57 9.25 8.3 15.65 11.98 14.2 6.06
NSBI 27.71 22.98 15.66 21.08 21.92 10.39 20.29 20 5.54
EBL 33.82 29.51 15.45 12.1 15.35 31.83 0 19.72 12.42
BOK 31.35 17.35 13.11 2.38 4.73 49.32 0 16.89 17.88
LBL 8.66 5.86 0 13.35 12.36 31.47 55.28 18.14 19.08
MBL 21.96 45.9 15.26 0 8.92 35.02 35.06 23.16 16.34
KBL 27.06 28.24 1.32 0.16 19.53 12.77 13.51 14.65 11.22
LXBL 49.89 37.43 9.56 3.6 3.83 20.79 14.22 19.9 17.66
SBL 50.02 42.44 25.11 8.9 9.33 88.14 0 31.99 30.83
ADBL 6.9 4.61 2.89 2.58 12.25 21.22 13.64 9.15 6.88
GIBL 94.73 80.89 32.68 5.14 59.93 31.47 58.6 51.92 30.98
CBL 133.95 71.16 33.07 14.04 15.18 23.44 30.66 45.93 43.3
NMB 0 149.27 49.85 44.05 2.96 42.61 26.8 45.08 50.04
SUBL 0 120.21 36.37 1.83 18.01 25.61 13.7 30.82 41.43
PBL 0 90.48 43.65 21.05 12.24 13.44 27.97 29.83 30.05
Mean 34.36 46.43 20.03 10.6 13.39 27.87 20.28
SD 34.49 40.78 14.21 10.83 13.01 18.73 16.65
Bank 2008 2009 2010 2011 2012 2013 2014 Mean SD
NBL 26.93 34.72 26.95 32.64 54.45 63.31 73.84
NIBL 34.47 45.77 32.21 37.93 62.58 68.12 79.80
SCB 18.54 21.70 17.17 19.40 30.83 38.50 43.55
HBL 26.78 35.20 28.31 30.04 47.91 55.75 64.16
NSBI 13.76 16.82 15.15 21.18 35.17 39.43 44.38
EBL 21.05 26.05 20.87 26.45 41.91 49.83 56.83
BOK 14.26 17.36 15.21 17.83 25.76 31.25 37.26
LBL 6.13 5.62 4.68 9.82 8.97 10.54 16.84
MBL 11.19 15.30 15.21 16.33 19.10 23.72 33.57
KBL 12.69 17.81 11.77 13.61 20.80 23.40 27.00
LXBL 10.87 14.98 11.98 14.48 22.43 26.87 30.99
SBL 10.52 15.60 13.91 15.98 26.35 30.01 35.09
ADBL 44.62 70.97 49.73 54.65 89.45 101.32 122.19
GIBL 6.58 11.07 13.40 13.96 27.15 35.11 55.09
CBL 5.66 9.58 11.60 13.77 16.54 20.96 26.80
NMB 3.55 8.16 8.78 12.19 15.62 21.21 27.30
SUBL 5.00 11.18 13.48 14.87 18.89 22.03 25.09
PBL 5.85 10.94 11.38 14.75 20.33 23.76 32.22
Mean
SD
S.N. Banks 2008 2009 2010 2011 2012 2013 2014 Mean
1 NBL 38.48 45.94 54.61 61.29 71.55 78.26 93.76
2 NIBL 40.21 54.63 59.55 61.36 69.78 78 91.99
3 SCBL 34.31 41.68 41.53 45.23 42.97 47.02 54.79
4 HBL 37.53 40.79 44.77 49.3 55.9 63.1 75.4
5 SBI 18.59 31.99 39.38 47.13 59.2 66.33 62.76
6 EBL 28.57 38 42.05 46.9 56.61 71.45 71.45
7 BOK 18.16 21.01 24.06 25.58 29.83 40.12 40.12
8 LBL 7.39 8.45 8.08 9.13 10.23 13.77 21.01
9 MBL 13.14 18.58 21.68 20.23 25.45 31.55 42.76
10 KBL 15.62 19.27 21.5 21.9 26.75 30.46 33.64
11 LXBL 12.7 18.39 52.08 21.56 26.03 73.34 90.29
12 SBL 12.14 18.6 23.27 25.51 30.94 33.65 43.55
13 ADBL 54.4961 60.8292 60.582 66.6683 79.2565 92.5843 108.3755
14 GIBL 8.33 12.82 17.57 18.09 33.16 41.88 63.5
15 CBL 7.36 13.16 16.75 17.5 20.96 27.24 34.57
16 NMB 9.04 16.61 13.61 16.25 19.01 25.83 30.82
17 SRBL 7.71 22.52 17.38 20.22 22.22 27.46 31.53
18 PBL 6.46 13.62 20.56 22.41 28.06 33.58 39.97
Mean
SD
SD
S.N. Banks Year OETA SETO LLP LN LLP NPLTA CAR ROA LG RWA Ln RWA
1 NBL 2008 1.3 21.17 404600000 19.82 0.8 11.91 2.32 37.41 26932829555 24.02
2009 1.38 23.96 409100000 19.83 0.8 11.71 2.55 29.29 34715627669 24.27
2010 1.35 15.99 752200000 20.44 0.1 11.61 2.38 18.28 26954435831 24.02
2011 1.48 11.91 941000000 20.66 1.8 11.75 2.43 17.82 32644255319 24.21
2012 1.47 12.26 1227900000 20.93 2.3 12.71 2.8 10.23 54453186467 24.72
2013 1.52 19.59 1275700000 20.97 2.1 13.17 3.25 11.21 63308352316 24.87
2014 1.34 20.99 1511400000 21.14 2.2 9.06 2.89 17.48 73843929360 25.03
2 NIBL 2008 1.29 37.41 537200000 20.10 1.1 11.31 1.77 55.28 34469496021 24.26
2009 1.21 38.5 584400000 20.19 0.8 12.1 1.68 33.54 45769421488 24.55
2010 1.24 39.2 627500000 20.26 0.5 11.69 2.19 12.25 32208383234 24.20
2011 1.34 41.7 615400000 20.24 0.6 12.09 2.02 2.4 37927129859 24.36
2012 1.23 42 853900000 20.57 2 11.82 1.6 2.03 62580372250 24.86
2013 1.22 42.4 1178300000 20.89 1.9 12.99 2.6 11.43 68120708237 24.94
2014 1.13 44.8 1432100000 21.08 1.7 8.8 2.3 12.08 79801590909 25.10
3 SCBL 2008 1.37 24.28 245400000 19.32 0.9 16.8 2.46 26.73 18544047619 23.64
2009 1.3 23.58 200900000 19.12 0.7 14.7 2.56 -0.018 21703401361 23.80
2010 1.51 26.43 217900000 19.20 0.5 17.78 2.7 21.45 17170978628 23.57
2011 1.53 21.86 234000000 19.27 0.6 17.38 2.55 11.08 19399424626 23.69
2012 1.77 22.19 252500000 19.35 0.7 16.28 2.8 3.83 30829238329 24.15
2013 1.76 29.79 309500000 19.55 0.8 14.48 2.67 25.85 38497030387 24.37
2014 1.59 33.8 351800000 19.68 0.3 10.56 2.51 13.8 43549242424 24.50
4 HBL 2008 1.76 45.91 679000000 20.34 2.4 12.5 1.76 13.09 26784000000 24.01
2009 1.93 47.54 708400000 20.38 2.2 11.31 1.91 26.55 35196286472 24.28
2010 2.07 46.83 1093300000 20.81 3.2 11.02 1.19 14.57 28311070780 24.07
2011 2.35 47.06 1347800000 21.02 3.9 11.45 1.91 9.25 30036855895 24.13
2012 2.48 47.03 940100000 20.66 2.1 11.9 1.76 8.3 47905546218 24.59
2013 2.51 44.49 1127700000 20.84 2.2 12.15 1.54 15.65 55753827160 24.74
2014 2.28 42.49 1411400000 21.07 2.6 8.26 1.46 11.98 64161138015 24.88
5 SBI 2008 1.32 10.98 616200000 20.24 3.6 12.54 1.44 27.71 13763955343 23.35
2009 1.12 10.42 474900000 19.98 2 12.18 1.05 22.98 16817733990 23.55
2010 1.25 6.8 464200000 19.96 1.5 14.14 1.03 15.66 15147736917 23.44
2011 1.52 9.13 353700000 19.68 1.1 11.84 1.01 21.08 21184037162 23.78
2012 1.28 8.22 321600000 19.59 0.5 11.37 0.8 21.92 35171503958 24.28
2013 1.38 12.32 405800000 19.82 0.4 12.86 1.19 10.39 39431959565 24.40
2014 1.55 13.93 434700000 19.89 0.3 8.56 1.5 20.29 44380490654 24.52
6 EBL 2008 1.44 15.42 497300000 20.02 0.6 11.34 1.65 33.82 21050529101 23.77
2009 1.3 12.53 584900000 20.19 0.5 11.04 1.73 29.51 26049818841 23.98
2010 1.4 10.52 600000000 20.21 0.2 10.56 2.09 15.45 20867613636 23.76
2011 1.46 9.13 604200000 20.22 0.3 10.43 2.1 12.1 26453883030 24.00
2012 1.47 9.53 705900000 20.37 0.8 11.08 2.11 15.35 41905234657 24.46
2013 1.48 14.66 878300000 20.59 0.6 13.22 2.39 31.83 49826853253 24.63
2014 1.5 15.44 878300000 20.59 0.6 8.48 2.39 2.667 56833254717 24.76
7 BOK 2008 1.47 12.64 279000000 19.45 1.8 11.47 2.04 31.35 14255972101 23.38
2009 1.85 14.99 297500000 19.51 1.3 11.91 2.25 17.35 17361041142 23.58
2010 1.98 11.35 387100000 19.77 1.2 11.45 2.18 13.11 15210480349 23.45
2011 1.95 10.58 488800000 20.01 1.8 11.62 2.44 2.38 17825817556 23.60
2012 1.93 11.63 505200000 20.04 2.3 12.58 2.1 4.73 25760254372 23.97
2013 1.93 14.61 562500000 20.15 1.5 12.62 1.9 49.32 31249603803 24.17
2014 1.94 14.25 562500000 20.15 1.1 8.87 1.35 2.37 37256369786 24.34
8 LBL 2008 2.13 45.24 914000000 20.63 14.9 5.99 5.36 8.66 6125208681 22.54
2009 2.06 49.65 698000000 20.36 9.1 17.78 4.4 5.86 5615298088 22.45
2010 1.97 46.05 385500000 19.77 4.7 24.62 4.1 -3.5 4677173030 22.27
 2011 2.24 41.28 101100000 18.43 1 14.68 4.41 13.35 9824795640 23.01
2012 1.95 42.73 89000000 18.30 0.5 23.55 1.95 12.36 8968152866 22.92
2013 1.72 49.77 167300000 18.94 0.9 21.57 1.12 31.47 10542420028 23.08
2014 1.22 49.00 239800000 19.30 0.9 14.26 1.19 55.28 16843899018 23.55
9 MBL 2008 1.57 11.83 263700000 19.39 1 11.3 0.68 21.96 11187345133 23.14
2009 1.57 11 517300000 20.06 2.8 11.61 0.7 45.9 15302325581 23.45
2010 1.82 10 654600000 20.30 1.8 11.18 0.35 15.26 15207513417 23.45
2011 2.17 8.28 314900000 19.57 4.5 10.86 0.3 -1.5 16330662983 23.52
2012 1.95 9.11 447200000 19.92 2.7 14.6 0.16 8.92 19102739726 23.67
2013 1.98 38.89 479300000 19.99 2.9 12.66 0.49 35.02 23715955766 23.89
2014 1.62 13.28 453800000 19.93 1.7 8.33 1.12 35.06 33573589436 24.24
10 KBL 2008 1.58 37.68 189600000 19.06 1.4 14.96 1.16 27.06 12692513369 23.26
2009 1.63 40.73 186600000 19.04 0.4 11.57 1.41 28.24 17811581677 23.60
2010 1.76 41.49 199000000 19.11 0.4 13.8 1.59 1.32 11771811594 23.19
2011 1.86 44.2 296400000 19.51 1.1 14.45 1.23 0.16 13606643599 23.33
2012 1.62 47.82 508700000 20.05 2.2 13.27 1.1 19.53 20798794273 23.76
2013 1.54 46.93 752600000 20.44 3.9 12.23 1.03 12.77 23401553557 23.88
2014 1.49 48.01 937300000 20.66 3.5 9.84 1.1 13.51 26999085366 24.02
11 LXBL 2008 1.16 43.29 113500000 18.55 0.1 11.16 0.95 49.89 10871326165 23.11
2009 1.08 43.34 147700000 18.81 0.1 11.49 1.03 37.43 14983463882 23.43
2010 1.26 46.27 176200000 18.99 0.1 14.99 0.82 9.56 11978652435 23.21
2011 1.52 48.22 185500000 19.04 0.9 13.21 1.76 3.6 14480015140 23.40
2012 1.43 47.78 218600000 19.20 0.6 11.81 1.5 3.83 22434801016 23.83
2013 1.56 46.3 356300000 19.69 1.3 12.27 1.5 20.79 26872208639 24.01
2014 1.45 4746 372600000 19.74 1.1 8.78 1.26 14.22 30987357631 24.16
12 SBL 2008 1.03 9.14 141000000 18.76 0.6 11.2 1.23 50.02 10517857143 23.08
2009 1.09 7.88 171900000 18.96 0.5 10.45 1.27 42.44 15604784689 23.47
2010 1.23 6.15 229300000 19.25 0.4 10.73 1.06 25.11 13912301957 23.36
2011 1.73 6.64 258200000 19.37 0.6 11.75 1.25 8.9 15980340426 23.49
2012 1.72 6.79 407000000 19.82 2.3 11.47 1.2 9.33 26346992153 23.99
2013 1.8 9.27 1994100000 21.41 2.4 12.28 1.43 88.14 30011563518 24.12
2014 1.69 10.15 654900000 20.30 1.7 7.13 1.79 -32 35094109397 24.28
13 ADBL 2008 4.89 48.94 5456300000 22.42 11.6 14.93 1.53 6.9 44618821165 24.52
2009 5.38 40.57 6399500000 22.58 8.8 15.79 2.04 4.61 70972767574 24.99
2010 5.57 59.32 5737000000 22.47 8.2 18.05 3.5 2.89 49729861496 24.63
2011 4.36 46.97 5723700000 22.47 8.6 19.95 3.99 2.58 54654135338 24.72
2012 4.03 42.11 5944500000 22.51 6.4 18.25 2.9 12.25 89446575342 25.22
2013 3.55 40.45 5188800000 22.37 5.8 17.89 2.97 21.22 ### 25.34
2014 4.37 42.19 4949700000 22.32 5.3 11.64 1.39 13.64 ### 25.53
14 GIBL 2008 1.23 41.1 51300000 17.75 0.09 11.66 0.74 94.73 6583276158 22.61
2009 1.58 33.29 96700000 18.39 0.1 9.53 0.21 80.89 11067156348 23.13
2010 1.8 32.38 154900000 18.86 0.6 11.36 0.42 32.68 13400352113 23.32
2011 2.24 39.5 406800000 19.82 2.5 11.2 1.28 5.14 13958125000 23.36
2012 1.51 34.22 445300000 19.91 1.6 12.47 0.87 59.93 27153167602 24.02
2013 1.99 37.4 549000000 20.12 1.3 12.02 1.15 31.47 35109900166 24.28
2014 1.69 36.96 1135600000 20.85 2.4 9.65 1.62 58.6 55092538860 24.73
15 CBL 2008 1.11 35.97 48000000 17.69 - 11.8 0.75 133.95 5661016949 22.46
2009 1.02 30.49 82100000 18.22 - 11.65 0.74 71.16 9580257511 22.98
2010 1.18 32.53 139200000 18.75 - 11.28 1.17 33.07 11598138298 23.17
2011 1.55 31.32 242400000 19.31 1.2 15.57 1.18 14.04 13771933205 23.35
2012 1.6 33.84 285800000 19.47 2 15.54 1.22 15.18 16544594595 23.53
2013 1.5 37.06 397200000 19.80 2 13.58 1.79 23.44 20957069219 23.77
2014 1.35 38.11 565500000 20.15 2.4 8.88 1.71 30.66 26798761261 24.01
16 NMB 2008 0.8 42.92 57500000 17.87 1.5 36.25 0.82 30.66 3548965517 21.99
2009 0.76 33.44 86900000 18.28 0.5 20.14 0.4 149.27 8156901688 22.82
2010 0.83 34.34 123000000 18.63 0.7 20.68 1.21 49.85 8781673114 22.90
2011 1.06 34.76 142600000 18.78 0.3 17.8 1.39 44.05 12190786517 23.22
2012 1.03 32.69 397600000 19.80 2.5 14.65 0.28 2.96 15624573379 23.47
2013 1 34.45 413700000 19.84 1.8 12.68 1.43 42.61 21209621451 23.78
2014 0.96 36.78 316300000 19.57 0.5 8.88 1.36 26.8 27298198198 24.03
17 SRBL 2008 1.61 60.04 40300000 17.51 - 14.16 - 30.66 4999223164 22.33
2009 1.18 61.95 98100000 18.40 0.2 13.36 0.51 120.21 11180389222 23.14
2010 1.91 38.31 178700000 19.00 1.3 11.74 1.21 36.37 13476320273 23.32
2011 2.4 36.93 403000000 19.81 3.4 14.68 0.28 1.83 14866621253 23.42
2012 2.23 40.97 443500000 19.91 3 12.75 0.52 18.01 18894117647 23.66
2013 2.1 39.71 672200000 20.33 3.7 11.89 1.19 25.61 22031118587 23.82
2014 2.11 42.26 804500000 20.51 4.5 9.77 0.83 13.7 25088536336 23.95
18 PBL 2008 0.59 48.98 51600000 17.76 - 13.28 0.44 - 5846460843 22.49
2009 0.74 38.97 98300000 18.40 - 10.35 1.06 90.48 10936231884 23.12
2010 1.24 42.03 155800000 18.86 0.2 11.68 1.61 43.65 11380222603 23.16
2011 1.33 44.45 213100000 19.18 0.5 16.34 1.63 21.05 14752019584 23.41
2012 1.36 38.59 278600000 19.45 0.5 14.85 0.99 12.24 20328215488 23.74
2013 1.26 48.29 531100000 20.09 2.2 13.82 1.47 13.44 23758104197 23.89
2014 1.33 45.23 593300000 20.20 1.9 9.59 1.46 27.97 32219812304 24.20
TA Ln TA INF
38480000000 24.37 7.7
45940000000 24.55 12.63
54610000000 24.72 9.55
61290000000 24.84 9.6
71550000000 24.99 8.3
78260000000 25.08 9.9
93760000000 25.26 9
40210000000 24.42 7.7
54630000000 24.72 12.63
59550000000 24.81 9.55
61360000000 24.84 9.6
69780000000 24.97 8.3
78000000000 25.08 9.9
91990000000 25.24 9
34310000000 24.26 7.7
41680000000 24.45 12.63
41530000000 24.45 9.55
45230000000 24.54 9.6
42970000000 24.48 8.3
47020000000 24.57 9.9
54790000000 24.73 9
37530000000 24.35 7.7
40790000000 24.43 12.63
44770000000 24.52 9.55
49300000000 24.62 9.6
55900000000 24.75 8.3
63100000000 24.87 9.9
75400000000 25.05 9
18590000000 23.65 7.7
31990000000 24.19 12.63
39380000000 24.40 9.55
47130000000 24.58 9.6
59200000000 24.80 8.3
66330000000 24.92 9.9
62760000000 24.86 9
28570000000 24.08 7.7
38000000000 24.36 12.63
42050000000 24.46 9.55
46900000000 24.57 9.6
56610000000 24.76 8.3
71450000000 24.99 9.9
71450000000 24.99 9
18160000000 23.62 7.7
21010000000 23.77 12.63
24060000000 23.90 9.55
25580000000 23.97 9.6
29830000000 24.12 8.3
40120000000 24.42 9.9
40120000000 24.42 9
7390000000 22.72 7.7
8450000000 22.86 12.63
8080000000 22.81 9.55
 9130000000 22.93 9.6
10230000000 23.05 8.3
13770000000 23.35 9.9
21010000000 23.77 9
13140000000 23.30 7.7
18580000000 23.65 12.63
21680000000 23.80 9.55
20230000000 23.73 9.6
25450000000 23.96 8.3
31550000000 24.17 9.9
42760000000 24.48 9
15620000000 23.47 7.7
19270000000 23.68 12.63
21500000000 23.79 9.55
21900000000 23.81 9.6
26750000000 24.01 8.3
30460000000 24.14 9.9
33640000000 24.24 9
12700000000 23.26 7.7
18390000000 23.64 12.63
52080000000 24.68 9.55
21560000000 23.79 9.6
26030000000 23.98 8.3
73340000000 25.02 9.9
90290000000 25.23 9
12140000000 23.22 7.7
18600000000 23.65 12.63
23270000000 23.87 9.55
25510000000 23.96 9.6
30940000000 24.16 8.3
33650000000 24.24 9.9
43550000000 24.50 9
54496100000 24.72 7.7
60829200000 24.83 12.63
60582000000 24.83 9.55
66668300000 24.92 9.6
79256500000 25.10 8.3
92584300000 25.25 9.9
1.08376E+11 25.41 9
8330000000 22.84 7.7
12820000000 23.27 12.63
17570000000 23.59 9.55
18090000000 23.62 9.6
33160000000 24.22 8.3
41880000000 24.46 9.9
63500000000 24.87 9
7360000000 22.72 7.7
13160000000 23.30 12.63
16750000000 23.54 9.55
17500000000 23.59 9.6
20960000000 23.77 8.3
27240000000 24.03 9.9
34570000000 24.27 9
 9040000000 22.92 7.7
16610000000 23.53 12.63
13610000000 23.33 9.55
16250000000 23.51 9.6
19010000000 23.67 8.3
25830000000 23.97 9.9
30820000000 24.15 9
7710000000 22.77 7.7
22520000000 23.84 12.63
17380000000 23.58 9.55
20220000000 23.73 9.6
22220000000 23.82 8.3
27460000000 24.04 9.9
31530000000 24.17 9
6460000000 22.59 7.7
13620000000 23.33 12.63
20560000000 23.75 9.55
22410000000 23.83 9.6
28060000000 24.06 8.3
33580000000 24.24 9.9
39970000000 24.41 9
Varables
Minimum Maximum Mean Std. Deviation
Operating expenses to toal assets
.59 5.57 1.71 .81
(%)
Staff expenses to total operating
6.15 61.95 31.48 15.08
expenses (%)

Loan loss provision (in millions) 40.30 6399.50 767.42 1239.60

Non performing loans to total

.09 14.90 2.01 2.33
loans (%)
Capital adequacy ratio (%) 5.99 36.25 12.96 3.73
Return on assets (%) .16 5.36 1.64 .91
Loan growth (%) -3.50 149.27 25.30 25.76

Risk weighted assets (billions) 3.55 122.19 27.54 20.39

Total assets (billions) 6.46 108.38 36.95 22.53

 Correlations
OETA SETO LNLLP NPLTA CAR ROA LG RWA TA
OETA 1
SETO .229** 1
LNLLP .683 **
.013 1
NPLTA .716** .292** .647** 1
CAR 0.145* .257 **
-.155 .085 1
ROA -.306 **
-0.055 .404 **
.405 **
.120 1
LG .322 **
.051 -.420 **
-.278 **
-.003 -.350 **
1
RWA .416** 0.089* .800** .140 -.327** .243** -.318** 1
TA -.304 **
-.130 .727 **
.027 -.262 **
.225 *
-.331 **
.932 **
1
**. Correlation is significant at the 0.01 level (2-tailed).
*. Correlation is significant at the 0.05 level (2-tailed).
Model Intercept Regression coefficients Of adj. R2

LNLLP NPLTA CAR RWA LG ROA TA

1 -9.08 0.54** 0.46
-8.74 10.40
2 1.24 0.25** 0.51
18.01 11.14
3 1.30 0.03* 0.13
5.00 1.63
4 -10.00 0.49** 0.45
-4.35 5.10
5 1.97 0.01** 0.49
20.37 3.79
6 1.26 -0.27** 0.46
8.78 3.56
7 -7.36 0.38** 0.65
-2.88 3.55
8 -6.83 0.39** 0.14** 0.04* 0.62
-5.01 5.82 5.23 2.11
9 -8.76 0.53** 0.01** 0.46
-7.47 9.16 4.60
10 0.53 0.21** 0.03* 0.47** 0.61
2.78 10.22 2.44 6.21
11 -7.13 0.24** 0.36** 0.02** -0.07** 0.59
-3.93 10.60 4.74 3.09 -3.22
12 -8.80 0.16* 0.183** 0.054* 0.74** 0.04** -0.109** 0.48** 0.65
4.14 3.15 4.66 2.19 3.35 3.65 -4.94 2.38
 F DW

108.16 0.57

124.12 0.84

2.65 0.43

26.02 0.44

14,37 0.45

12.70 0.44

12.62 0.38

65.03 0.78

53.98 0.55

63.91 0.78

44.09 0.80

28.63 0.88
Model Intercept Regression coefficients Of adj. R2
LNLLP NPLTA CAR RWA LG ROA TA
1 35.27 0.191 0.48
1.34 0.14
2 27.20 1.89** 0.57
15.52 3.31
3 18.03 1.04** 0.59
3.82 2.96
4 78.07 1.96* 0.42
1.67 2.00
5 30.73 0.03 0.45
16.25 0.57
6 29.78 -0.90 0.65
10.79 0.61
7 103.48 -2.98 0.49
2.10 -1.46
8 95.03 3.50 2.82** 0.49
2.71 0.94 3.81
9 3.05 1.74** 0.98** 0.49* 0.52
0.06 3.05 2.65 2.23
10 49.03 0.979** 0.02 -1.27 0.48
0.89 2.67 0.36 -0.58
11 85.27 2.46 4.36 -0.59 0.47
1.69 1.05 2.33 0.37
12 -67.95 11.07 4.48** 1.09** 12.75 0.06 -0.93 -0.31 0.65
-1.13 1.75 3.99 2.95 2.03 0.93 -0.59 -0.05
 F DW

21.02 0.63

24.51 0.62

18.76 0.49

9.98 0.44

13.20 0.43

37.20 0.64

21.25 0.48

17.95 0.47

26.41 0.49

21.20 0.50

24.97 0.44

43.64 0.54