allowance for doubtful accounts 83,668 80,137 92,165 4.4% (9.2)% Ratio of NPL to total loans 3.5% 3.4% 3.8% 0.1% (0.3)% NPL after allowance for doubtful accounts (net NPL) 28,512 26,412 27,166 8.0% 5.0% Ratio
of the year 2017 or down to 0.7%. The ratio of NPLs (Net) at 1.42% of total loans after deducted allowance for doubtful debts of non-performing loans. Allowance for Doubtful Debts As of 31 March 2018
of the year 2017 or down to 0.7%. The ratio of NPLs (Net) at 1.42% of total loans after deducted allowance for doubtful debts of non-performing loans. Allowance for Doubtful Debts As of 31 March 2018
% (0.3)% (0.4)% NPL after allowance for doubtful accounts (net NPL) 28,206 27,166 26,576 3.8% 6.1% Ratio of net NPL to net total loans 1.2% 1.2% 1.2% - - Ratio of loan loss reserves to minimum required
allowance for doubtful accounts 84,137 83,478 87,419 0.8% (3.8)% Ratio of NPL to total loans 3.6% 3.5% 3.9% 0.1% (0.3)% NPL after allowance for doubtful accounts (net NPL) 28,103 28,206 26,576 (0.4)% 5.7
NPLs to total loans 3.7% 3.5% 3.2% 0.2% 0.5% NPLs after allowance for doubtful accounts (net NPLs) 25,697 22,799 19,156 12.7% 34.1% Ratio of net NPLs to net total loans 1.1% 1.1% 0.9% - 0.2% Ratio of
total loans 3.6% 3.5% 3.4% 0.1% 0.2% NPL after allowance for doubtful accounts (net NPL) 30,128 30,783 26,412 (2.1)% 14.1% Ratio of net NPL to net total loans 1.3% 1.3% 1.2% - 0.1% Ratio of loan loss
% 18.5% Ratio of NPL to total loans 3.8% 3.9% 3.5% (0.1)% 0.3% NPL after allowance for doubtful accounts (net NPL) 27,166 26,576 22,799 2.2% 19.2% Ratio of net NPL to net total loans 1.2% 1.2% 1.1% - 0.1
allowance for doubtful accounts 88,231 85,947 68,841 2.7% 28.2% Ratio of NPLs to total loans 3.8% 3.7% 3.2% 0.1% 0.6% NPLs after allowance for doubtful accounts (net NPLs) 26,928 25,697 19,156 4.8% 40.6
December 2018 NPL before allowance for doubtful accounts 82,148 83,668 80,137 (1.8)% 2.5% Ratio of NPL to total loans 3.5% 3.5% 3.4% - 0.1% NPL after allowance for doubtful accounts (net NPL) 30,783 28,512