摘要：A slight recovery in credit activity and a slower growth in irrecoverable claims led to a somewhat faster growth in bank assets in 2011 and an increase in indicators of return. Compared to the pre-crisis periods, bank assets grew slightly, while indicators of return stood at much lower levels, due to the economic slowdown and persistently high expenses on provisions for credit portfolio losses. Intensive loan rollover and restructuring efforts continued, while in a number of small banks collection difficulties seriously undermined operations and threatened the capital base. As a result, the banking system in 2011 was again characterised by a high degree of differentiation, a leading role being played by a small number of satisfactorily profitable and strongly capitalised large banks. In 2011 their foreign parent banks continued to provide funding support, the price of which rose towards the end of the year, due to developments in risk premiums and a deterioration in the conditions of parent bank financing.
