商業(yè)銀行經(jīng)營評價(ppt68)-資料下載頁
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【正文】 = Int. exp. + nonint. exp. + PLL + Taxes33/6934/69Asset utilization (AU = TR / TA):… the ability to generate ine.n Interest Ine / TAn Asset yields (rate)n Interest ine asset (i) / $ amount of asset (i)n Composition of assets (mix)n $ amount asset (i) / TAn Volume of Earning Assetsn Earning assets / TAn Non interest ine / TAn Fees and Service Chargesn Securities Gains (Losses)n Other ine35/69Expense ratio (ER = Exp / TA)… the ability to control expenses.n Interest expense / TAn Cost per liability (rate)n Int. exp. liab. (j) / $ amt. liab. (j) n Composition of liabilitiesn $ amt. of liab. (j) / TAn Volume of debt and equityn Noninterest expenses / TAn Salaries and employee benefits / TAn Occupancy expenses / TAn Other operating expense / TAn Provisions for loan losses / TAn Taxes / TA36/69Other aggregate profitability measuresn Net interest marginn NIM = NII / earning assets (EA)n Spreadn Spread = (int inc / EA) (int exp / int bear. Liab.)n Earnings basen EB = EA / TAn Burden / TAn (Noninterest exp. Noninterest ine) / TAn Efficiency ration Non int. Exp. / (Net int. Inc. + Non int. Inc.)37/69Financial ratios…PNC, 2023ROE: Net Ine/Average Total equity % ROA: Net Ine / Avg TA %AU: Total Revenue / Avg TA %ER: Total expenses (less Taxes) / Avg TA %Memo: PM: Net Ine / Total Revenue %EM: Avg. TA / Avg, Total Equity EB: Earning Assets / Avg TA %NIM: Net interest margin %Spread %Efficiency Ratio %Burden / Avg. Total Assets %Non Interest Ine / Noninterest exp. %38/6939/6940/6941/6942/6943/6944/6945/6946/6947/6948/6949/6950/6951/6952/69Performance Characteristics of Differentsized Banks: Trend with Size53/69Equity capital ratio54/69Core capital (leverage) ratio55/69Tier 1 riskbased capital ratio56/69Total riskbased capital ratio57/69Net interest margin58/69Yield on earning assets59/69Cost of funding earning assets60/69Earning assets to total assets61/69Efficiency ratio62/69Noninterest ine to earning assets63/69Noninterest expense to earning assets64/69LNLS loss provision to assets65/69US Banks: ROA (2023)66/69US Banks: ROE (2023)67/69US Chinese Banks: ROA (2023)68/69US Chinese Banks: ROE (2023)69/69中華培訓(xùn)資源網(wǎng) () 國內(nèi)最大的管理資料下載網(wǎng)豐富全面的管理光盤、書籍 購買產(chǎn)品贈送千套管理課件 0108857128070/69中華培訓(xùn)資源網(wǎng) () 國內(nèi)最大的管理資料下載網(wǎng)豐富全面的管理光盤、書籍 購買產(chǎn)品贈送千套管理課件 01088571280演講完畢，謝謝觀
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