level. We also had to cut costs in all areas, suspend our investment plan and reserve cash to maintain a strong finance position during the crisis. Cost of Sales and Gross Profit The gross profit margin
Bank and subsidiaries Percentage 3Q16 9M16 1Q17 2Q17 3Q17 9M17 Loan growth 0.2 (1.4) 1.3 2.8 0.2 4.4 NPLs/ Total Loans (excluding interbank) 5.9 5.9 5.6 5.8 5.6 5.6 Total loan loss reserve/ Total NPLs
5.7 4.3 3.5 3.8 18.5 1.9 NPLs/ Total Loans (excluding interbank) 4.7 4.5 4.2 4.1 4.1 4.1 Total loan loss reserve/ Total NPLs (coverage ratio) 110.9 113.8 115.6 114.8 114.8 114.1 Total loan loss reserve
Loans (excluding interbank) 5.0 5.0 4.7 4.5 4.2 4.1 4.1 Total loan loss reserve/ Total NPLs (coverage ratio) 109.8 109.8 110.9 113.8 115.6 114.8 114.8 Total loan loss reserve/ Total mandatory reserve
decline comparing to 183.0% as of end of 2Q18. Meanwhile, total loan loss reserve to total NPLs ratio (coverage ratio) stood at 113.2% for 2Q19, comparing to 113.8% as of end of 2Q18. Basic earnings per
Percentage 2Q18 1H18 2018 1Q19 2Q19 1H19 Loan growth 4.3 10.2 18.5 1.9 0.2 2.1 NPLs/ Total Loans (excluding interbank) 4.5 4.5 4.1 4.1 4.2 4.2 Total loan loss reserve/ Total NPLs (coverage ratio) 113.8 113.8
NPLs/ Total Loans (excluding interbank) 5.6 5.6 4.7 4.5 4.2 4.2 Total loan loss reserve/ Total NPLs (coverage ratio) 105.6 105.6 110.9 113.8 115.6 115.6 Total loan loss reserve/ Total mandatory reserve
subsidiaries Percentage 4Q17 2017 1Q18 2Q18 3Q18 4Q18 2018 Loan growth 4.8 9.3 5.7 4.3 3.5 3.8 18.5 NPLs/ Total Loans (excluding interbank) 5.0 5.0 4.7 4.5 4.2 4.1 4.1 Total loan loss reserve/ Total NPLs