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Box E: Financial Soundness Indicators No CORE SET Deposit-takers Capital adequacy Indicator 1 2 3 Regulatory capital to risk-weighted assets Regulatory Tier 1 capital to risk-weighted assets Non-performing loans net of provisions to capital Asset quality 4 5 Non-performing loans to total gross loans Sectoral distribution of loans to total loans Earnings and profitability 6 7 8 9 Return on assets Return on equity Interest margin to gross income Non-interest expenses to gross income Liquidity 10 11 Liquid assets to total assets (liquid asset ratio) Liquid assets to short-term liabilities Sensitivity to market risk 12 Net open position in foreign exchange to capital 13 14 15 16 17 18 19 20 21 22 23 24 25 Capital to assets Large exposures to capital Geographical distribution of loans to total loans Gross asset position in financial derivatives to capital Gross liability position in financial derivatives to capital Trading income to total income Personnel expenses to non-interest expenses Spread between reference lending and deposit rates Spread between highest and lowest interbank rate Customer deposits to total (non-interbank) loans Foreign-currency-denominated loans to total loans Foreign-currency-denominated liabilities to total liabilities Net open position in equities to capital Other financial corporations 26 27 Assets to total financial system assets Assets to GDP Non-financial corporate sector 28 29 30 31 32 Total debt to equity Return on equity Earnings to interest and principal expenses Net foreign exchange exposure to equity Number of applications for protection from creditors Households 33 34 Household debt to GDP Household debt service and principal payments to income Market liquidity 35 36 Average bid-ask spread in the securities market Average daily turnover ratio in the securities market Real estate markets 37 38 39 Real estate prices Residential real estate loans to total loans Commercial real estate loans to total loans ENCOURAGED SET Deposit-takers F I N A N C I A L S T A B I L I T Y R E V I E W | M A R C H 2 0 0 5 51