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    Banking Model
     
    See the Industrial Model for line items common to all models.

    Income Statement Items

    Int Paid: Interest Paid
    Interest paid, particularly on deposits. This is not comparable to Interest Paid for industrial companies.

    Int Recd: Interest Received
    Interest received, particularly on advances. This is sometimes seen as the equivalent of Turnover for industrial companies.

    Ret Splus Yr: Retained Surplus for the Year
    ATTRIBUTABLE INCOME less TRANSFERS TO RESERVES LESS DISTRIBUTIONS.

    Balance Sheet Items

    ConvPrefs&Debs: Convertible preference shares and debentures
    Distinction is made between convertible issues and non-convertible issues.

    Dep & OtherAcc: Deposits and other accounts
    Deposits and other interest bearing monies taken in by the bank.

    Liabilities: All liabilities of the bank, including current, long term, deposits, and insurance funds.
    Inv & Trad Sec: Investment and trading securities, representing the short term, more liquid investments of the bank.

    Adv & Loans: Advances and loans lent by the bank.

    ST Dep & Cash: Short term deposits and cash
    The most liquid funds in the bank, as distinguished from investment and trading securities. These earn little or no interest.

    Banking Model Ratios

    Interest Mgn: Interest Margin
    (INTEREST RECEIVED - INTEREST PAID) / TOTAL ASSETS
    Shows the profitability of the core operations of the bank.

    LiqFnds:Deposit: Liquid Funds: Deposits
    (CASH AND SHORT-TERM FUNDS) / (DEPOSITS, ACCEPTANCES, AND OTHER ACCOUNTS)
    Shows the degree to which liquid reserves can absorb sudden large withdrawals. Also gives an indication of the Statutory Reserve.

    Cost to Income:
    (OPERATING EXPENSES / OPERATING INCOME)

    Int Rec:Int Pd: Ratio of Interest Received to Interest Paid
    (INTEREST RECEIVED) / (INTEREST PAID)
    Shows the degree to which the basic business of the bank lending and borrowing money is making a profit.


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