Income Statement Ratios For Banks
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These three core statements are intricately to gain meaningful information about a company.
Income statement ratios for banks. What are financial ratios. For wells fargo its income statement shows 2015 interest income of 49 28 billion and interest expense of 3 98 billion. Some of the most common ratios include gross margin profit margin. Similar to companies in other sectors banks have specific ratios to measure profitability and efficiency that are designed to suit their unique business operations.
Bank of america s income statement is below from their annual 10k for 2017. The accords stipulate minimum capital requirements leverage ratios and liquidity requirements that banks must meet. Bank specific ratios such as net interest margin nim provision for credit losses pcl and efficiency ratio are unique to the banking industry. The numbers found on a company s financial.
These ratios are derived from income statements. Financial ratios are used to compare companies within the same industry. Banks that have a relatively higher loan to assets ratio derive more of their income from loans and investments while banks with lower levels of loans to assets ratios derive a relatively larger. Financial ratios are created with the use of numerical values taken from financial statements three financial statements the three financial statements are the income statement the balance sheet and the statement of cash flows.
Financial ratios are widely used to analyze a bank s performance specifically to gauge and benchmark the bank s level of solvency and liquidity. Here are the key areas of focus. Financial statements for banks. A financial ratio is a relative magnitude of two financial variables taken from a business s financial statements such as sales assets investments and share price.
A bank s income statement contains two general categories. Gross margin gross profit revenue. Key financial ratios to analyze retail banks. Therefore we can calculate its net interest income as 45 3 billion and.
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