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  • Analysis of Bank Performance

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    Oga Meo
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    This document outlines key concepts for analyzing bank performance, including return on equity (ROE), return on assets (ROA), profit margin, asset utilization, and expense control. It discusses how ROE and ROA measure profitability and the factors that determine each. Expense control measures include costs of funds, overhead costs, loan losses, and taxes. Asset utilization is measured by yields on assets, fee generation, and earning assets. The major types of bank risk like liquidity, interest rate, solvency, financial, and default risk are also covered.

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    This document outlines key concepts for analyzing bank performance, including return on equity (ROE), return on assets (ROA), profit margin, asset utilization, and expense control. It discusses how ROE and ROA measure profitability and the factors that determine each. Expense control measures include costs of funds, overhead costs, loan losses, and taxes. Asset utilization is measured by yields on assets, fee generation, and earning assets. The major types of bank risk like liquidity, interest rate, solvency, financial, and default risk are also covered.

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    Download as DOC, PDF, TXT or read online from Scribd
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    2 views2 pages

    Analysis of Bank Performance

    Uploaded by

    Oga Meo
    This document outlines key concepts for analyzing bank performance, including return on equity (ROE), return on assets (ROA), profit margin, asset utilization, and expense control. It discusses how ROE and ROA measure profitability and the factors that determine each. Expense control measures include costs of funds, overhead costs, loan losses, and taxes. Asset utilization is measured by yields on assets, fee generation, and earning assets. The major types of bank risk like liquidity, interest rate, solvency, financial, and default risk are also covered.

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    ANALYSIS OF BANK PERFORMANCE CONTENT

    1. Learning Objectives . Ke! Ter"s #. T$e t%& "aj&r 'i"ensi&ns &( Ban) Per(&r"ance *. T$e Ke! +,esti&ns &( Ban) Financia- Ana-!sis .. T$e ,-ti"ate "eas,re &( Ban) Pr&(itabi-it! / Ret,rn t& O%ners 0. T$e 1ri"ar! s&,rce &( Ret,rn t& O%ners / Net Inc&"e 2. Meas,ring Ban) Pr&(itabi-it! / T$e Ret,rn &n E3,it! 4ROE5 6. T$e t%& "aj&r 'eter"inants &( Ret,rn &n E3,it! 7. Managing t$e Ca1ita- P&siti&n 18. Meas,ring t$e Ca1ita- P&siti&n 11. Meas,ring O1erati&na- Pr&(itabi-it! 1 . Meas,ring t$e 'eter"inants &( Ret,rn &n E3,it! 4ROE5 1#. Financia- Leverage an' ROE 1*. T$e t%& "aj&r 'eter"inants &( Ret,rn &n Assets 4ROA5 1.. T$e (act&rs t$at a((ect Pr&(it Margin 10. T$e (act&rs t$at 'eter"ine Asset 9ti-i:ati&n 12. Ana-!:ing Ban) Pr&(itabi-it! %it$ t$e 9ni(&r" Ban) Per(&r"ance Re1&rt 49BPR5 16. ROE an' ROA / Meas,ring Ban) Pr&(itabi-it! 17. Pr&(it Margin an' Asset 9ti-i:ati&n / 9n'erstan'ing t$e ca,ses &( Ban) Pr&(it 8. Meas,res &( E;1ense C&ntr&- / T$e C&st &( F,n's 1. Meas,res &( E;1ense C&ntr&- / Over$ea' C&sts . Meas,res &( E;1ense C&ntr&- / L&an L&sses #. Meas,res &( E;1ense C&ntr&- / Ta; *. Meas,res &( Asset 9ti-i:ati&n / Yie-'s &n Assets .. Meas,res &( Asset 9ti-i:ati&n / Fee <enerati&n 0. Meas,res &( Asset 9ti-i:ati&n / Earning Assets 2. Net Interest Margin 4NIM5 an' E((icienc! Rati& 6. T$e "aj&r t!1es &( Ban) Ris) / Li3,i'it!= Interest Rate= S&-venc!= Financia- an' >e(a,-t Ris) 7. Interest Rate Ris) #8. >e(a,-t Ris) #1. Li3,i'it! Ris)
    1

    # . S&-venc! Ris) ##. Financia- Ris) #*. A c&"1re$ensive vie% &( Ban) Financia- Ana-!sis #.. T$e 3,esti&ns Ban) Financia- Ana-!sis %i-- ans%er #0. Rati&s in Ban) Financia- Ana-!sis #2. A'vantages an' >isa'vantages &( 'i((erent s&,rces &( Financia>ata

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