Since second half of 2008 consequences of the world financial crisis were notable also in the domestic economy that, in turn, has affected activity and indexes of the banking system.
The sharp dollar rate increase in relation to dram has affected by 2025 % on the activity of the banking system. Despite the above mentioned, the RA banking system could provide growth in the area of some indexes.
The general assets
During 2009 the general assets of the banking system have increased by 29,9 % or D309,9 billion and by the end of the year have made D1,346 billion, in the fourth quarter assets have increased by D79,7 billion or 6,3 %. For a fiscal year the growth of assets has been caused by dollar revaluation in relation to dram. For comparison we will notice that last year the general assets have increased by 32,4 % or D253,4 billion.
Credit investments
For the accounting period credit investments have increased by 20,4 % or D131,7 billion, and investments in securities_ by 16,5 % or D13,2 billion, that by the end of the year has made D778,2 billion and D93,1 billion, and for the fourth quarter credit investments have increased by 7,7 % or D55,8 billion, and investments in securities_ 9,0 % or D7,7 billion. In 2008 credit investments have increased by 51,3 % or D219,3 billion, investments into securities were reduced to 15,9 % or D15,1 billion.
For December 31st of 2009 credit investments of the system have made 57,8 % of general assets, and the share of credits given to the economy, has made 60,2 % or D468,3 billion of general credit investments, and this index has increased by 39,9 % or D133,5 billion for the whole year, and in the fourth quarter the credits given to the economy, have increased by 1,4 % or D6,5 billion against 4,1 % or D13,3 billion of the same period of the last year.
For 2009 the credits given to individuals were reduced to 11,2 % or D33,3 billion and by the end of the year have made D264,2 billion, and for the fourth quarter growth of credits of individuals has made 14,1 % or D32,5 billion. By the end of the fiscal year the volume of individuals' credits has made 33,9 % of the general credit investments in the structure of which consumer credits have made 23,4 % or D182,2 billion, and mortgage credits have made 10,9 % or D85,1 billion.
Consumer credits volume was reduced to 20,5 % or D47 billion, mortgage credits volume has increased by 0,3 % or D0,24 billion, and in the fourth quarter growth of noted indexes has made 0,9 % or D1,5 billion and 1,7 % or D1,4 billion.
For December 31st of 2009 the volume of general obligations of the banking system has made D1,059 billion that in comparison with the same period of the last year has increased by 32, 8 % or D261, 4 billion.
Noted index has increased in the fourth quarter of the fiscal year by 6 % or D59,7 billion. In 2009 the growth of the general obligations has been caused by positive result of revaluation of foreign currency obligations. Total deposits of individuals have increased by 44,8 % or D1,5 billion, total deposits of legal entities_ by 66,5 % or D146,5 billion and by the end of the year have made D339,5 and D366,9 billion, and annual growth of urgent individuals' deposits has made 45,3 % or D77,6 billion, and growth of term deposits of legal entities_ 105,4 % or D94 billion.
Growth of noted indexes has been registered in the fourth quarter of the fiscal year: total deposits of individuals have increased by 1,9 % or D6,2 billion, term deposits_ by 2,9 % or D7 billion, and total deposits of legal entities_24,8 % or D72,8 billion, term deposits _by 34 % or D46,5 billion.
For comparison it is necessary to notice, that last year total deposits of individuals have increased by 18,1 % or D36 billion, and term deposits_ by 31,3 % or D40,9 billion, and total deposits of legal entities were reduced to 10,7 % or D26,5 billion, and term deposits  by 10,3 % or D10,2 billion.
The general capital
For the fiscal year the general capital of banks has increased by 20,3 % or D48,4 billion and by the end of the year has made D286,8 billion, that basically has been provided at the expense of the authorized capital, and for the fourth quarter the general capital has increased by 7,5 % or D20 billion. Last year the general capital has increased by 43,6 % or D72,4 billion.
The index of unallotted profit has increased by 19 % or D14,4 billion and by the end of the year has made D90,3 billion or 31,5 % of the general capital, and the above mentioned index was reduced to 5,8 % or D5,5 billion. The authorized capital has increased by 23,7 % or D36,2 billion and by the end of the year has made D188,6 billion or 65,8 % of the general capital.
In the fourth quarter of the fiscal year growth of the authorized capital which has made 4,9 % or D8,7 billion has also been registered.
Incomes and expenses
For the fiscal year aggregate profits of banks have increased by 13,8 % or D22,7 billion, and expenses_ by 29,6 % or D37,7 billion, having made D186,3 and D165,2, and for the fourth quarter growth of aggregate profits has made 39,3 % or D52,6 billion, and growth of expenses_ 32,8 % or D40,8 billion.
Profit
Within the fiscal year the profit has made D15,4 billion that concedes the index of 2008 by D12,7 billion or 45,2 %, and in the fourth quarter the profit was D8 billion that concedes the index of the last year by 2,7 percentage points or D225,3 million has.
By the results of 2009 ROE_the level of the capital profitableness, has made 6,08 %, and ROA_ the level of assets profitableness, has made 1,26 %.
Macroeconomic characteristics of the RA banking system 
RA 
The role of the RA banking system in the economy 
01.01.2007г. 
01.01.2008г. 
01.01.2009г. 
01.01.2010г. 
1 
Parity of general assets and GDP, % 
20.4 
25.0 
28.4 
42.5 
2 
Parity of general credit investments and GDP, % 
9.5 
13.6 
17.7 
24.6 
3 
Parity of general capital and GDP, % 
4.5 
5.3 
6.5 
9.1 
4 
Parity of individuals' deposits and GDP, % 

