Interest spread: related pages
Cost/income ratio
Most often used for banks: operating expenses ÷ operating income.
Disintermediation
The removal of intermediaries from a process, supply chain or market. The commonest financial example is the issue of bonds to replace bank borrowing.
Interest margin
Interest income minus interest expenses as a percentage of average interest earning assets.
Non-performing assets (NPA)
Loans that are not being repaid or serviced through interest payments on time.
Non-interest income
For banks, Non-interest income ÷ operating income.
Return on average assets (ROAA)
Net profit ÷ average assets. An efficiency ratio relevant to banks.
Copyright Graeme Pietersz © 2005-2019
