Non-Interest Income to Total Assets Ratio = Total Non−Markup Income / Total Assets ∗ 100 Ratio on incomes earned other than mark-up e.g. capital gains, commission, fee to total assets etc. This ratio expresses how much income is earned other than mark-up through other functions of the bank by employing total assets. It is useful for Banks, DFIs and MFBs.
Net Interest Income after Provision to Total Assets = Net Interest Income after Provision / Total Assets ∗ 100 This is the ratio between interests earned less provision to total assets. It is useful for Banks, DFIs and MFBs.
Interest Ratio = Interest Expenses / Interest Earned ∗ 100 This ratio expresses the payment of interest mainly to depositors. The lower the ratio, the less the company is burdened by debt expenses. It is useful for Banks, DFIs and MFBs.
Administrative Expenses to Profit before Tax (Times) = Administrative Expenses / Profit before Tax This ratio expresses the relationship between administrative expenses and profit before tax. It is useful for whole financial sector.
Non-Interest Expenses to Total Income = Non−interest expenses / (interest Earned + Interest Income) or Total Income ∗ 100 The ratio expresses the percentage of non-interest expenses to total income which reflects efficiency of management in applying the banks’ resources. It is useful for Banks, DFIs and MFBs.
Administrative Expenses to Non-Interest Income (Times) = Administrative Expenses / Non Interest Income This ratio expresses total administrative expenses to non- interest income. It is useful for Banks, DFIs and MFBs.
Earnings per Share (EPS) = Net Profit After Tax / No.of Ordinary Shares EPS is the ratio between net profit after tax to number of shares outstanding at the end of the year as shown in balance sheet and its relevant notes to accounts. It is useful for whole financial sector except for Modaraba Companies where certificates are issued for raising capital.
Financial Statement of Financial Sector Liquidity Ratios: i. Cash & Cash Equivalent to Total Assets ii. Investment to Total Assets iii. Advances to net of provisions to Total Assets iv. Deposits to Total Assets v. Total Liabilities to Total Assets vi. Gross Advances to Deposits vii. Gross Advances to Borrowing& Deposits
Cash and Balances with Banks to Total Assets = Cash and Balances with Banks / Total Assets ∗ 100 This ratio expresses the percentage of total assets available in the form of highly liquid assets.
Investment and Total Assets = Total Investment / Total Assets ∗ 100 The ratio between Investment and total assets shows investment activity with reference to its total assets. It indicates the portion of total assets used for investment in various venues. This ratio is useful for banks, DFIs and insurance companies.
Advances and Total Assets = Advances (Net) / Total Assets ∗ 100 This ratio expresses the relationship of advances (net) to total assets. This ratio is useful for banks, DFIs and MFBs.
Total Deposit and other Accounts to Total assets = Total Deposit and other Accounts / Total assets ∗ 100 The ratio shows what percentage of total assets comprises total deposits and other accounts.
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- Spring '20
- Monetary Policy