After the finalization of the reforms within the Banking Sector Restructuring Program aimed to eliminate the weaknesses of banking sector, structural changes were achieved in sector, share of loans in total assets increased as banks focused on intermediary functions, deposits continued to be the main funding source and capital adequacy ratios also realized above the legal limits with the strong capital and own fund base during 2004-2014 period. The performance, operating and productivity ratios of the banking sector also improved during this period.
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