This indicator calculates the caliber data of local and foreign currencies.

Calculation formula:

Normal loan mobility ratio = (the amount of normal loans converted into non-performing loans at the beginning of the year+the amount of loans of concern at the beginning of the year)/(the balance of normal loans at the beginning of the year-the amount of loans of concern at the beginning of the year+the balance of loans of concern at the beginning of the year-the amount of loans of concern at the beginning of the year) × 100%.

Interpretation of indicators:

The initial number of non-performing loans in normal loans refers to the sum of loan balances classified as subcategories/doubtful types/losses at the end of the reporting period.

The amount of non-performing loans in initial concern loans refers to the sum of loan balances classified as subcategories/doubtful loans/losses at the end of the reporting period.

The amount reduced during the normal loan period at the beginning of the period refers to the loans reduced during the reporting period due to normal recovery of loans, disposal of non-performing loans or write-off of loans.

The decrease of initial concern loans in the current period refers to the loans reduced during the reporting period due to normal recovery of loans, disposal of non-performing loans or write-off of loans.

The calculation of this problem is as follows:

Normal loans at the beginning of 900+ new normal loans 225- normal loans recovered 150=975- normal loans at the end of 950=25, that is, the amount of normal loans transferred to the category of concern.

50 at the beginning+25 = 75 from normal loans to concerned loans-40=35 at the end, that is, the amount from concerned loans to non-performing loans.

Bring the above calculation results into the formula:

Normal loan mobility ratio = (the amount of normal loans converted into non-performing loans at the beginning of the year+the amount of loans of concern at the beginning of the year)/(the balance of normal loans at the beginning of the year-the amount of loans of concern at the beginning of the year+the balance of loans of concern at the beginning of the year-the amount of loans of concern at the beginning of the year) × 100%.

=(0+35)/(900- 150+50-0)× 100%=4.375%