bankscope英文指标的意思(英文版本).doc

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bankscope英文指标的意思(英文版本)

?Asset Quality Before analyzing provisions and asset quality ratios it is important to realize that from country to country and indeed within the same country policies vary as to how aggressively or otherwise banks provide for loan losses, when they charge off a loan and whey define loans as non performing. These differences can distort ratios. 4001 ?LOAN LOSS RES / GROSS LOANS (= 2070 / (2000 + 2070) * 100) This ratio indicated how much of the total portfolio has been provided for but not charged off. It is a reserve for losses expressed as percentage of total loans. Given a similar charge-off policy the higher the ratio the poorer the quality of the loan portfolio will be. 4002 LOAN LOSS PROV / NET INT REV (=2095 / 2080 * 100) This is the relationship between provisions in the profit and loss account and the interest income over the same period. Ideally this ratio should be as low as possible and in a well run bank if the lending book is higher risk this should be reflected by higher interest margins. If the ratio deteriorates this means that risk is not being properly remunerated by margins. 4003 LOAN LOSS RES / NON PERF LOANS (=2070 / 2170 * 100) This ratio relates loan loss reserves to non performing or impaired loans. The higher this ratio is the better provided the bank is and the more comfortable we will feel about the assets quality. 4004 NON PERF LOANS / GROSS LOANS (=2170 / (2000 + 2070) * 100) This is a measure of the amount of total loans which are doubtful. The lower this figure is the better the assets quality. 4005 NCO / AVERAGE GROSS LOANS (=2150 / (2000 + 2070 ) AVG * 100) Net charge off or the amount written-off from loan loss reserves less recoveries is measured at a percentage of the gross loans. It indicates what percentage of todays loans have been finally been written off the books. The lower this figure the better as long as the write off policy is consistent across comparable banks. 4006 NCO/NET INCOME BEFORE LOAN LOSS PROVISION (=2150 / (

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