Analysis Balance Sheet Benchmarking Operations 
Tom Spencer
OCTOBER 13, 2023
Efficiency ratio The efficiency ratio measures effective cost management and operational efficiency, and is defined as non-interest expenses divided by revenue. Net interest income (which is generally balance sheet driven) declined to approximately 50% of revenues in recent years from representing almost 80% of revenues in 1980.
MishTalk
JULY 11, 2014
This has been labelled the “second phase of global liquidity”, to differentiate it from the pre-crisis phase, which was largely centred on banks expanding their cross-border operations. Historical evidence shows that this rarely happens following a balance sheet recession. Indicators point to the risk of financial distress.
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