Efficiency Ratios
| Gorenjska banka | Slovenian Banks | |||||
| 2010 | 2009 | 2008 | 2010 |
2009 | 2008 | |
| Capital adequacy | 13.88% | 14.29% | 15.58% | 11.30% | 11.56% | 11.70% |
| (according to the Bank of Slovenia) | ||||||
| Interest margin | 3.31% | 3.08% | 3.20% | 2.02% | 1.87% | 2.07% |
| (net interest income to total assets) | ||||||
| Return on assets - before tax |
1.31% | 2.17% | 2.78% | (0.18)% | 0.32% | 0.67% |
| Return on equity - before tax |
7.08% | 11.42% | 13.87% | (2.15)% | 3.83% | 8.12% |
| The ratio of operational costs to average assets | 1.41% | 1.49% | 1.46% | 1.49% | 1.54% | 1.71% |
| Market share for the balance sheet total | 3.94% | 3.77% | 3.80% | - | - | - |