DUSHANBE, August 13, 2013, Asia-Plus -- Tajik total bank assets rose 12.7 percent (1.3413 billion somoni) in six months to June 30, 2013, reaching 11.8709 billion somoni (1.00 USD = 4.76 somoni), according to the National Bank of Tajikistan (NBT).

Over the same six-month period, the return on average assets (ROA) ratio for all Tajik banks has risen from -0.57% to 1.25%.

The return on assets (ROA) percentage shows how profitable a company''s assets are in generating revenue.  This number tells you what the company can do with what it has.

According to Tajik central bank, the ROA percentage has risen over the report period due to increase in interest margin, revenues from foreign currency transactions, and transaction costs reduction.

Structure of assets and liabilities of Tajik banks have reportedly changed over the first six months of this year.  The net loan and investment ratios in the structure of assets have amounted to 49.6 and 1.5 percent respectively.  The deposit ratio in the structure of liabilities over the report period has stood at 55.2 percent.

A loan portfolio has reportedly risen 21.1 percent (1.038 billion) over the same six-month period, reaching 5.9642 billion somoni.

The volume of classified loans rose from 840 million somoni on December 31, 2012 to 995 million somoni on June 30, 2013, the NBT press center said.