The Total Capital Ratio as at the end of 2014 settled at 14.17% which translates into a safe position of the Group as regards capitals and opportunity of further development in lending. The ratio’s drop by 3.11 p.p. versus the 2013 yearend results from the change in methodology for calculating the capital ratio. Since 01 January 2014, new provisions of the Regulation (EU) No. 575/2013 of the European Parliament and of the Council of 26 June 2013 (CRR for short) have been applicable to own funds and capital adequacy. The Total Capital Ratio (solvency ratio previously) as at 31 December 2014 was calculated under the CRR guidelines.