【正文】 53/69 (企管培訓資料下載 ) Performance Characteristics of Differentsized Banks: Trend with Size 8 . 0 71 1 . 6 21 3 . 4 11 2 . 3 81 3 . 7 71 3 . 4 31 . 21 . 2 81 . 1 60 . 9 11 . 3 11 . 1 30246810121416 ~ ~ ~ 1b 110b 10b00 . 20 . 40 . 60 . 811 . 21 . 4 R e tu r n on e q u i ty R e tu r n on as s e ts 54/69 (企管培訓資料下載 ) Equity capital ratio 1 0 . 99 . 8 39 . 4 59 . 6 39 . 7 68 . 7 7024681012 ~ ~ ~ 1b 110b 10b 55/69 (企管培訓資料下載 ) Core capital (leverage) ratio 1 0 . 6 39 . 48 . 9 3 8 . 9 88 . 7 47 . 2 3024681012 ~ ~ ~ 1b 110b 10b 56/69 (企管培訓資料下載 ) Tier 1 riskbased capital ratio 1 5 . 8 71 3 . 5 21 2 . 51 2 . 1 51 1 . 8 38 . 8 6024681012141618 ~ ~ ~ 1b 110b 10b 57/69 (企管培訓資料下載 ) Total riskbased capital ratio 1 6 . 9 61 4 . 6 61 3 . 6 91 3 . 3 81 3 . 7 71 2 . 1 6024681012141618 ~ ~ ~ 1b 110b 10b 58/69 (企管培訓資料下載 ) Net interest margin 4 . 2 34 . 3 54 . 3 74 . 3 94 . 3 13 . 7 13 . 23 . 43 . 63 . 844 . 24 . 44 . 6 ~ ~ ~ 1b 110b 10b 59/69 (企管培訓資料下載 ) Yield on earning assets 7 . 8 37 . 9 37 . 8 77 . 97 . 7 67 . 0 66 . 66 . 877 . 27 . 47 . 67 . 88 ~ ~ ~ 1b 110b 10b 60/69 (企管培訓資料下載 ) Cost of funding earning assets 3 . 6 13 . 5 83 . 53 . 5 23 . 4 53 . 3 53 . 23 . 2 53 . 33 . 3 53 . 43 . 4 53 . 53 . 5 53 . 63 . 6 5 ~ ~ ~ 1b 110b 10b 61/69 (企管培訓資料下載 ) Earning assets to total assets 9 1 . 3 9 9 1 . 2 69 0 . 8 89 1 . 1 78 9 . 4 98 3 . 0 3788082848688909294 ~ ~ ~ 1b 110b 10b 62/69 (企管培訓資料下載 ) Efficiency ratio 6 9 . 5 96 3 . 76 2 . 1 4 6 2 . 0 75 5 . 7 55 6 . 8 301020304050607080 ~ ~ ~ 1b 110b 10b 63/69 (企管培訓資料下載 ) Noninterest ine to earning assets 1 . 1 11 . 4 21 . 9 42 . 0 42 . 6 23 . 1 900 . 511 . 522 . 533 . 5 ~ ~ ~ 1b 110b 10b 64/69 (企管培訓資料下載 ) Noninterest expense to earning assets 3 . 7 43 . 7 13 . 9 84 . 0 74 . 0 24 . 0 73 . 53 . 63 . 73 . 83 . 944 . 1 ~ ~ ~ 1b 110b 10b 65/69 (企管培訓資料下載 ) LNLS loss provision to assets 0 . 30 . 3 40 . 3 50 . 4 60 . 6 60 . 7 400 . 10 . 20 . 30 . 40 . 50 . 60 . 70 . 8 ~ ~ ~ 1b 110b 10b 66/69 (企管培訓資料下載 ) US Banks: ROA (2023) 1 . 1 21 . 61 . 41 . 2 11 . 3 300 . 20 . 40 . 60 . 811 . 21 . 41 . 6T e nl a r g e s tR a n k e d1 1 1 0 0R a n k e d1 0 1 1 0 0 0R a n k e d1 0 0 1 8 6 0 0A l l 67/69 (企管培訓資料下載 ) US Banks: ROE (2023) 1 3 . 2 41 7 . 3 81 3 . 8 81 1 . 8 11 4 . 5 1024681012141618T e n l a r g e s t R a n k e d 1 1 1 0 0R a n k e d1 0 1 1 0 0 0R a n k e d1 0 0 1 8 6 0 0A l l 68/69 (企管培訓資料下載 ) US Chinese Banks: ROA (2023) 1 . 3 30 . 1 40 . 3 80 . 1 0 . 1 400 . 20 . 40 . 60 . 811 . 21 . 4A l l U . S .B a n k sI C B C B O C A B C CCB 69/69 (企管培訓資料下載 ) US Chinese Banks: ROE (2023) 1 4 . 5 13 . 77 . 62 . 23 . 80246810121416A l l U . S .B a n k sI C B C B O C A B C CCB 70/69 (企管培訓資料下載 ) 演講完畢，謝謝觀看！ 。 ? 金融機構盈利性或資產價值對利率、匯率、商品價格或產權價反向變動的敏感程度； ? 銀行董事會和高級管理層識別、衡量、監(jiān)督和控制市場風險敞口的能力； ? 源自非交易性頭寸利率風險敞口的性質和復雜程度； ? 源自交易性和境外業(yè)務市場風險敞口的性質和復雜程度。s estimate of potential lost revenue from bad loans. ? It is subtracted from interest ine in recognition that some of the reported interest ine overstates what will actually be received when some of the loans go into default. ? Chargeoffs indicate loans that a bank formally recognizes as uncollectable and chargesoff against the loss reserve. 27/69 (企管培訓資料下載 ) Loanloss provision