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雷达卡
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.
bankscope英文指标的意思（英文版本）.doc
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