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ROE
ROE
ROE
66%
4. Net interest margin = (Interest income – Interest expense) / Average assets = (24,368,947-
11,594,145) / [(743,886,387+821,968,015)/2] = 12,774,802/782,927,201 = 1.63%
5. Earnings base = Earnings assets / Total assets = (Investments at fair value + Due from banks +
Reverse repo + Derivative instruments + Loans and advances + Non-trading investments +
Investment properties) / Total assets =
(20,099,181+17,026,502+24,678,375+15,917,321+407,903,028+114,644,422+7,956,854)/
821,968,015 = 74.00%
6. Burden: (Non-interest expense – non-interest income) / Average assets = [(Fee and commission
expense + Operating expense) – (Fee and commission income + Foreign exchange income + net
gain on investments and derivatives + Oher operating income)] / Average assets =
[(1,561,259+5,498,991) – (4,730,688+2,600,978+1,506,277+197,571)] / 782,927,201 = -0.25%
8. Total revenue = Interest income + Fee and commission income + Net foreign exchange gain +
Net gain on investments and derivatives + Other operating income = 24,368,947 +
4,730,688+2,600,978+1,506,277+197,571 = 33,404,461
9. Asset utilization ratio = Total revenue / Average total assets = 33,404,461/782,927,201 = 4.27%
10. Expense ratio = Total operating expenses / Average total assets = 5,498,991/782,927,201 =
0.70%
11. Interest expense ratio = Interest expense / Average total assets = 11,594,145/782,927,201 =
1.48%