1 2003 7 2005 6 2 1

2000 2002 2003 80.052 86.7 39 26.374 3 3 2

2 8 500 8 2008 6.4 10.3% 10 2008 3 11.7 10.6 9.9 9.3 3

1998 100 1999 3 71.2 2005 2007 17.9 14.1 1989 4

20 6 4 2004 1 4 5

5 ROA ROE 5 6

60 6 100 95 90 85 80 75 70 65 60 55 50 94.4 89.9 87.5 85.0 84.1 81.4 80.1 80.8 78.6 77.9 77.6 76.0 80.4 74.4 71.6 74.4 75.8 75.5 72.2 72.1 75.6 71.1 75.6 73.3 74.2 73.6 72.6 71.6 72.7 72.8 70.8 71.0 66.4 62.3 68.8 62.2 60.3 58.9 70.0 65.0 58.1 58.1 57.5 61.9 61.0 59.3 57.8 57.0 56.9 55.8 1999.3 2000.3 2001.3 2002.3 2003.3 2004.3 2005.3 2006.3 2007.3 2008.3 6 2009 8 9 573 7 8 7

38.3 24.122.0 9 573 371 17 45 10 8

2003 3 27 2003 2 4 2003 2007 10 2003 2005 3 28 2007 49 2007 3 2008 10 9

2007 23 11 2003 2005 4 2007 4 2007 2003 12 2007 11 2007 23 1056 333 183 540 12 10

2007 2 2007 11

13 13 2009 12

2009 2008 3 26 2,063 3 9,039 7,289 1,397 348 52 15.75 13.25 16.8 1.40 3.1 1.13 18.6 19.9 3.9 3.8 35 3,557 30 2,504 33 541 24 449 13

14 10 20 2003 2007 14 2010b 14

15

15 300 20 1 2 20 20 ( 22 30 15 16 16

1 2 3 4 5 6 7 8 300 9 2 1 20 300 3 2 20 1 20 20 9 200 200 10 10 22 22 30 17

2009 7 261 17 61.9 20.3 28.0 4.6 24.2 8.4 60.0 73.2 0% 20% 40% 60% 80% 100% 61.9% 30.0% 8.1% 20.3% 67.4% 12.3% 0% 20% 40% 60% 80% 100% 28.0% 64.8% 7.3% 4.6% 83.9% 11.5% 0% 20% 40% 60% 80% 100% 24.2% 15.8% 60.0% 8.4% 18.4% 73.2% 17 65.946.7 29.916.511.110.0 18

2 1 0-1-2 1.390.94 0.79 0.020.07(1.401.11)1.36 1.020.160.15 4 0.080.57 0.941.770.741.540.840.52 19

2009 2007 20072007 26 2010a Working Paper 2010b 378 2009 7 20