Equity capital certificate ratio
| 31 March 2013 | 31 Dec 2012 | |
| ECC capital | 2,597 | 2,597 |
| Dividend equalisation reserve | 1,889 | 1,889 |
| Premium reserve | 895 | 895 |
| Unrealised gains reserve | 69 | 69 |
| A. The equity capital certificate owners' capital | 5,449 | 5,449 |
| Ownerless capital | 2,944 | 2,944 |
| Unrealised gains reserve | 38 | 38 |
| B. The saving bank reserve | 2,982 | 2,982 |
| To be disbursed from gift fund | - | 30 |
| Dividend declared | - | 195 |
| Equity ex. profit | 8,431 | 8,656 |
| Equity capital certificate ratio A/(A+B) | 64.64 % | 64.64 % |
| Equity capital certificate ratio for distribution | 63.33 % |
