Bank Profitability: Decoding the Income Statement
Tom Spencer
OCTOBER 6, 2023
A bank’s income statement can be simplified into five main line items: Net interest income Non-interest income Operating expenses Provision for credit losses (PCL) Tax Image 1: Illustrative example of a bank’s income statement Source: CIBC’s 2022 Annual Report 1. the spread). Image 2: Illustrative example of a bank’s non-interest income 3.
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