【文章內(nèi)容簡介】 s earning assets in relation to the cost of funding.SDDFinancialMaximise profitabilityOperating ExpensesIndicator of the expenses incurred in conducting the bank39。s businessSDDDFinancialMaximise profitabilityOperating IneMeasure of the revenue generated by the normal business of the bank.SDDDFinancialMaximise profitabilityReturn on AssetsIndicator of the bank39。s efficiency in using its assets.SDDFinancialMaximise profitabilityYield on Average Earning AssetsIndicator of the margin made by the bank on the management of fundsSDFinancialMaximise profitabilityNet ProfitThe bottom line figure for the entity, showing the profitability after all taxes.SFinancialMaximise profitabilityBugetary AccuracyA measure of the actual financial results pared to budget. Accuracy is as important as actual results because it indicates the management team39。s ability to predict their business volumesSDDDFinancialMaximise profitabilityProduct Pricing IndexA measure of how the pricing of the bank39。s products pares to the pricing of equivalent products at other banks.SDFinancialMaximise profitabilityWeighted average cost of fundsIndicator of overall interest cost of funds before adjustment of mandatory reserves and liquidity requirementsDFinancialMaximise profitabilityGrossed up cost of loanable fundsIndicator of true effective cost of loanable funds after adjusting effects of liquidity requirements on deposits and other sources.DFinancialMaximise profitabilityGross interest yield on loanable fundsIndicator of gross percentage interest ine/yield earned and projected on all types of loan assets.DFinancialMaximise profitabilitySpread ine percentageIndicator to measure the interest spread made by the business unit.SDDFinancialMaximise profitabilityInterest marginoperating expenses ratioIndicator of the ability of traditional depositlending business to cover operating expenses.SDFinancialMaximise profitabilityExpenseasset ratioIndicator of the efficiency of the bank in terms of expenses incurred in managing the assets of the bank.SDDFinancialProvide coverage for riskLiquidity RatioThe ability of the bank to meet its shortterm obligations (. ratio of assets that can be quickly sold pared to shortterm obligations). This shows whether the bank can meet its liquidity mitments.DFinancialProvide coverage for riskCapital Adequacy RatioIndicator of the coverage provided by shareholders39。 funds for the risk assets of the bank.DFinancialProvide coverage for riskGearingIndicator of the leveraging undertaken in terms of capital to assets.DFinancialProvide coverage for riskOperating CashflowA measure of the cash flowing into the business in a period eg new deposits, loan repayments, capital injections, less the cash flowing out eg deposit withdrawals, loans drawn downSDDFinancialProvide coverage for riskCapital ChargeA notional cost allocated to an entity to show the opportunity cost of capital used by it.DFinancialProvide coverage for riskReturn on Risk Assets After Cost of Deposit (RORA1)An indicator of gross interest margin, which takes into account the risk of the asset.SDFinancialProvide coverage for riskReturn on Risk Assets and Treasury Assets after Cost of Funds (RORA2)Indicator of the margin achieved or targeted including the effect of treasury operation at legal entity level, or intrabank funding at profit centre level.SDFinancialProvide coverage for riskLoans to Deposits RatioIndicator of the amount of deposits which have been mitted to loans by the bank.SDDFinancialProvide coverage for riskInterest marginloan loss ratioCombined measure of the riskreward relationship in mercial lending activities.SDDFinancialProvide coverage for riskMandatory reserve ratioIndicator to show the level of reserves required to be maintained according to the regulatory standards.DFinancialProvide coverage for riskSolvency ratioLongterm, going concern version of Liquidity ratio to measure the ability of the bank to pay all external liabilities if needed.DFinancialProvide coverage for riskCredit risk amp。 loan loss reservesImportant indicator of general and specific provisions created on the risk asset portfolio.SDDFinancialProvide coverage for riskUnsecured loan portfolio riskIndicator of the extent of risk due to lending not being covered by collateral.SDDDInternal ProcessDeliver superior customer serviceCall Centre Average Time to AnswerThe average length of time a customer has to wait before their telephone call is answered. Provides and indication of the level of service being provided to customers and a measure of the utilisation of call centre staff.DInternal ProcessDeliver superior customer serviceCall Centre Call LengthThe average length of time it takes a customer on the telephone to plete a transaction with the call centre.DInternal ProcessDeliver superior customer serviceCall Centre Call VolumesThe number of telephone calls received by the call centre.DInternal ProcessDeliver superior customer serviceCall Centre Call Abandonment RateThe number of times that a customers hang up before their call is answered (typically because that have had to wait for too long)DInternal ProcessDeliver superior customer serviceBranch Queuing TimeThe average length of time a cust