银行业主要指标中英文对照(全).docx

6 - 监管指标中英文对照（1104报表） 指标名称 英文翻译 规模类 资产总额 total assets 负债总额 total liabilities 所有者权益总额 total owners equity 存款余额 the balance of deposits 贷款余额 loan balance 净利润 net profit 资本净额 net capital 资本情况 资本充足率 the capital adequacy ratio 一级资本充足率 tier 1 capital adequacy ratio 核心一级资本充足率 core tier 1 capital adequacy ratio 杠杆率 leverage ratio 信用风险 不良贷款率 non-performing loans（NPL） ratio 逾期90天以上贷款与不良贷款比 more than 90 days overdue loans to non-performing loans ratio 拨备覆盖率 allowance to non-performing loans 贷款拨备比 allowance to total loans ratio 集中度情况 单一集团客户授信集中度 the credit concentration ratio of a single group client 单一客户贷款集中度 the loan concentration ratio of a singleclient 全部关联度 the generalized correlation ratio 盈利性指标 资产利润率 return on assets 资本利润率 return on capital 净息差 net interest margin 净利差 net interest spread 成本收入比率 the cost/income ratio 流动性指标 流动性比例 liquidity Ratio (LR) 流动性缺口率 liquidity gap ratio 核心负债比例 core debt ratio 净稳定资金比例 net Stable Funding Ratio (NSFR) 流动性匹配率 liquidity Matching Rate（LMR） 优质流动资产充足率 high-quality liquidity asset adequacy ratio (HQLAAR) 存贷比 loan-to-deposit ratio 资产负债率 asset-liability ratio 财务及银行业务术语 术语 英文翻译 利息净收入 let interest income 非利息收入 non-interest income 手续费及佣金净收入 net fee and commission income 营业收入 operating income 营业支出 operating expenses 资产减值损失 impairment losses 营业利润 operating profit 税前利润 profit before taxation 经营活动产生的现金流量净额 net cash flows from operating activities 客户贷款及垫款总额 total loans and advances to customers 短期贷款 Short-term loans 中长期贷款 medium to long-term loans 公司类贷款 corporate loans 票据贴现 discounted bills 个人贷款 personal loans 贷款减值准备 allowance for impairment losses on loans 投资 Investment 负债总额 total liabilities 客户存款 due to customers 公司存款 corporate deposits 定期存款 time deposits 活期存款 demand deposits 个人存款 personal deposits 存款总额 total deposits 归属于母公司股东的权益 equity attributable to equity holders of the parent company 股本 share capital 核心一级资本净额 net core tier 1 capital 一级资本净额 net tier 1 capital 总资本净额 net capital base 风险加权资产 risk-wei