Tom Spencer

OCTOBER 13, 2023

Profitability ratios Net interest margin (NIM) Efficiency ratio Return on assets (ROA) Fee income to total income Return on equity (ROE) Dividend payout ratio Total shareholder return (TSR) 1.1 All else being equal, a higher ROA is better as it indicates stronger profitability and more efficient asset utilization.

Metrics 88

Metrics Banking Balance Sheet Efficiency 88

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 biggest swing in operating expenses is likely to be variable compensation.

Banking 88

Banking Balance Sheet Operations Financial 88

Harvard Business

JULY 14, 2017

For most companies intellectual property is something that sits on their balance sheet. Or it could be indirectly, as Opower does in giving people benchmarking data on energy usage to foster conservation and efficiency. Operate : Deploy the platform to foster connections and the exchange of value at scale.

Intellectual Property 28

Intellectual Property Strategy Strategy Strategy& 28