# Profitability ratios

* **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. 
* <mark style="color:green;">**Net Interest Margin (NIM)**</mark> - Reflects the percentage difference between a bank's interest income and interest expense.&#x20;
* <mark style="color:green;">**Cost of Fund (COF)**</mark> - Reflects interest and non-interest expenses of the bank.&#x20;
* <mark style="color:green;">**Net fees and commission income/Total operating income**</mark> - Reflects the correlation between net fees and commission and total operating income.&#x20;
* <mark style="color:green;">**Cost to income ratio (CIR)**</mark> - Reflects the correlation between the bank's expenses and income.&#x20;
* <mark style="color:green;">**Profit margin before provision for credit losses**</mark> - Reflects the bank's net income compared to revenue before provision for credit losses.&#x20;
* <mark style="color:green;">**Non-interest income/Net interest income**</mark> - 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.
* <mark style="color:green;">**Current Account Savings Account (CASA)**</mark> - Reflect the amount of demand deposits of the bank.
* <mark style="color:green;">**Yield on earning assets (YOEA)**</mark> - Reflects the amount of profitable assets that generate the main source of income for the bank.

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Ratios highlighted in <mark style="color:green;">green</mark> and **bold** are Banking-specific ratios.
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