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The financial statements and ratio analysis ROE of the bank balance sheet of a bank

Acronyms EC bank:

• components of an operational / accounting, which are formed in daily
• MIS: Net interest
• IA: Interest income
• IP: Interest expense
• MINTM: Total revenues
• RG: Operating profit
• Components for valuation
• RLI / RLG: Gross Tax / Gross operating
• RN: Net

Acronyms: PA Bank:

• Activity:
• AFI: interest-bearing assets (this is the capital of a commercial enterprise)
• Fixed Income
• income variable
• ANF: Active
• noninterest-bearing Liabilities:
• PFI: interest-bearing liabilities
• Fixed Income
• Income variable
• PNF: Liabilities not frutifero

Decomposition of the bank's ROE: ROE =

RN / RLG RLG * / RG * RG /

• RN / RLG: Tax Management
• RLG / RG: Impact of the "editor of the budget"
• discretionary choices in the preparation of the valuation placed
• RG / PN: Profitability of the bank's operations

Scoposizione RG / PN:

RG / PN = RG / * MINTM MINTM / MIS * MIS / PN

• RG / MINTM: Efficiency Indicator operational
• RG = MINTM - Operating costs
• RG / MINTM tends to 1 when the costs tend to 0
• MINTM / MIS: The impact of income of the non-bank credit
• MIS / PN: Profitability of "management money "
• Spread between credits and debits

Decomposition of MIS / PN: Value drivers of the lending bank

MIS / PN = IA / CCN * AFI / PN + (IA / AFI - IP / PFI) PFI * / PN

• IA / AFI Performance dell'atttività credit
• IP / PFI: Cost of collection
• IA / AFI - IP / PFI: Spread
• CCN / PN: CCN = Reddività
• AFI - PFI

fee-earning assets financed by equity. And 'a pathological situation where the equity financing of interest-earning assets. The assets should be used to finance investments in fixed assets.

rates are sticky in active / passive to changes in market

The average assets and average liabilities vary significantly delayed and not consistent with changes in market rates.

How do you build the ROE:

• Spread: little room for negotiation with the customer
• IA / AFI: ditto
• RG / MINTM: lack of flexibility in personnel management
• RN / RLG: I can not improve fiscal management
• RLG / RG: capital gains on sale of
• Ability to use this lever to adjust the ROE when you run out of operating leverage
• need for a proper assessment of the asset sale: desk

comparison with industrial firms: rule of leverage

ROE = [+ ROI (return on investment - OF / D) * D / PN] * (1-t)