-- BankScope 提供的重要银行业分析比率- Important Ratios in Bankscope:
- Asset Quality
1. LOAN LOSS RES / GROSS LOANS
2070 / ( 2000 + 2070 ) * 100
2. LOAN LOSS PROV / NET INT REV
2095 / 2080 * 100
3. LOAN LOSS RES / IMPAIRED LOANS
2070 / 2170 * 100
4. IMPAIRED LOANS / GROSS LOANS
2170 / ( 2000 + 2070 ) * 100
5. NCO / AVERAGE GROSS LOANS
2150 / ( 2000 + 2070 ) AVG * 100
6. NCO/NET INCOME BEFORE LOAN LOSS PROVISION
2150 / ( 2115 + 2095 ) * 100
- Capital
7. TIER 1 RATIO
2130
8. CAPITAL ADEQUACY RATIO
2125
9. EQUITY / TOT ASSETS
2055 / 2060 * 100
10.EQUITY / NET LOANS
2055 / 2000 * 100
11.EQUITY / CUST & ST FUNDING
2055 / 2030 * 100
12.EQUITY / LIABILITIES
2055 / (2060 - 2055 - 2160 - 2165) * 100
13.CAP FUNDS / TOT ASSETS (2055 + 2160 + 2165) / 2060 * 100
14.CAP FUNDS / NET LOANS
(2055 + 2160 + 2165) / 2000 * 100
15.CAP FUNDS / CUST & ST FUNDING
(2055 + 2160 + 2165) / 2030 * 100
16.CAP FUNDS / LIABILITIES
(2055 + 2160 + 2165) / (2060 - 2055 - 2160 - 2165) * 100
17.SUBORD DEBT / CAP FUNDS
2165 / (2055 + 2160 + 2165) * 100
- Operations
18.NET INTEREST MARGIN
2080 / 2010AVG * 100
19.NET INT INC / AVG ASSETS
2080 / 2025AVG * 100
20.OTH OP INC / AVG ASSETS 2085 / 2025AVG * 100
21.NON INT EXP / AVG ASSETS
(2090 + 2095) / 2025AVG * 100
22.PRE-TAX OP INC / AVG ASSETS
(2105 - 2100) / 2025AVG * 100
23.NON OP ITEMS & TAXES/AVG AST (2100 - 2110) / 2025AVG * 100
24.RETURN ON AVG ASSETS (ROAA)
2115 / 2025AVG * 100
25.RETURN ON AVG EQUITY (ROAE)
2115 / 2055AVG * 100
26.DIVIDEND PAY-OUT
2120 / 2115 * 100
27.INC NET OF DIST / AVG EQUITY
(2115 - 2120) / 2055AVG * 100
28.NON OP ITEMS/NET INCOME
2100 / 2115 * 100
29.COST TO INCOME RATIO
2090 / (2080 + 2085) * 100
30.RECURRING EARNING POWER
(2105 - 2100 + 2095 ) / 2025AVG * 100
- Liquidity
31.INTERBANK RATIO
2180 / 2185 * 100
32.NET LOANS / TOT ASSETS 2000 / 2025 * 100
33.NET LOANS / DEP & ST FUND
2000 / 2030 * 100
34.NET LOANS/TOT DEP & BOR
2000 / (2030 + 2035 - 2160 - 2165) * 100
35.LIQUID ASSETS / DEP & ST FUND
2075 / 2030 * 100
36.LIQUID ASSETS / TOT DEP & BOR
2075 / (2030 + 2035 - 2160 - 2165) * 100
|