Profitability ratios
Profitability ratios reflect the profitability and efficiency of the bank's use of assets.
Return on Equity (ROE) - Reflects the profitability of a bank relative to shareholders' equity.
Return on Assets (ROA) - Reflects how efficiently a bank can get from investing in assets.
Net Interest Margin (NIM) - Reflects the percentage difference between a bank's interest income and interest expense.
Cost of Fund (COF) - Reflects interest and non-interest expenses of the bank.
Net fees and commission income/Total operating income - Reflects the correlation between net fees and commission and total operating income.
Cost to income ratio (CIR) - Reflects the correlation between the bank's expenses and income.
Profit margin before provision for credit losses - Reflects the bank's net income compared to revenue before provision for credit losses.
Non-interest income/Net interest income - Reflects the correlation between non-interest income and net interest income of the bank.
Net profit margin - Reflects the bank's profit after tax compared to revenue.
Current Account Savings Account (CASA) - Reflect the amount of demand deposits of the bank.
Yield on earning assets (YOEA) - Reflects the amount of profitable assets that generate the main source of income for the bank.
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