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bankscope中 英文指标的解释(英文版本)

bankscope中 英文指标的解释(英文版本)

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Ratiodefinitions例如:NETINTERESTMARGINThisratioisthenetinterestincomeexpressedasapercentageofearningassets.Thehigherthisfigurethecheaperthefundingorthehigherthemarginthebankiscommanding.Highermargins ...
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Ratio definitions
例如:NETINTEREST MARGIN
This ratio is the net interest income expressed as a percentage of earningassets. The higher this figure the cheaper the funding or the higher the marginthe bank is commanding. Higher margins and profitability are desirable as longas the asset quality is being maintained.
Preliminaryremarks

The 36pre-calculated ratios are calculated on the lines of Global Summary formatshown below.

2000 LOANS

2065 OFF BALANCE SHEET ITEMS

2120 DIVIDEND PAID

2005 OTHER EARNING ASSETS

2070 LOAN LOSS RESERVE (MEMO)

2125 TOTAL CAPITAL RATIO

2010 TOTAL EARNING ASSETS

2075 LIQUID ASSETS (MEMO)

2130 TIER 1 RATIO

2015 FIXED ASSETS

2135 TOTAL CAPITAL

2020 NON-EARNING ASSETS

2080 NET INTEREST REVENUE

2140 TIER 1 CAPITAL

2025 TOTAL ASSETS

2085 OTHER OPERATING INCOME

2150 NET CHARGE OFFS

2030 CUSTOMER & S.T FUNDING

2090 OVERHEADS

2160 HYBRID CAPITAL (MEMO)

2035 OTHER FUNDING

2095 LOAN LOSS PROVISIONS

2165 SUBORDINATED DEBT (MEMO)

2040 OTHER (NON INT BEARING)

2100 OTHER

2180 DUE FROM BANKS (MEMO)

2045 LOAN LOSS RESERVES

2105 PROFIT BEFORE TAX

2170 IMPAIRED LOANS (MEMO)

2050 OTHER RESERVES

2110 TAX

2185 DUE TO BANKS (MEMO)

2055 EQUITY

2115 NET INCOME

2195 INTANGIBLES (MEMO)

2060 TOTAL LIAB & EQUITY

2190 OPERATING INCOME (MEMO)

Thedefinitions of these ratios are given hereafter.

· The "*"sign refers to a multiplication.

· The mention"AVG" means that the item is averaged using the arithmetic mean ofthe value at the end of year t and t-1. In order not to lose information, whenfigures are available for one year only, ratios implying average figures arenevertheless calculated using the values of the only available year. The sameis true for the values of such ratios relating to the oldest year available inthe series shown. In these cases, the values displayed or printed are followed bythe sign * showing that the denominator is not averaged.

· If anyone of theitems included in the calculation of a ratio is not available, the ratio isnoted "na".

· It was felt that anyof the ratios defined hereafter having a value above 1000 % could hardly beconsidered as significant to the analyst. Consequently any ratio with a valueabove 999.99 % is noted "ns" ("Not significant"). Otheroccasions where a ratio may be noted "ns" are mentioned hereunder.


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