percentage of net operating income – Net interest income – Net non-interest income Cost-to-income ratio (excluding business tax and surcharges) 2014 1.28 19.28 2.33 2.52 67.26 32.74 30.42 2013 Changes +/(-) 1.39 Decreased by 0.11 percentage point 22.22 2.65 2.82 Decreased by 2.94...