Not logged in
  Home   Markets   Shares   Funds   Portfolio   Toolbox   Charting   Alerts   Directory   
 Admin   
9 March 2022: We apologise for the delay in the intraday JSE Index values. Our technical staff is working on a resolution.

Sharepaedia

 

 

Models – Banking

This page provides definitions of line items and ratios specific to the 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.

 
Portfolio  
Watch List  
Recently viewed
 
 
* Price data source: JSE Ltd. All other statistics calculated by ProfileData.
Profile Group (Pty) Ltd. has taken care in preparing all information on this website, but does not accept any liability for errors or out-of-date information.
Other Profile Group sites: FundsData Online (unit trust data)  |  Profile Group corporate site
Terms and Conditions |  Privacy Policy |  PAIA manual |  FAQs/Help |  Site Map |  © Copyright Reserved 2022  ]
  


Powered by ProfileData


Follow us on: