Retail Banking

Report includes: 1 month(s) 49 day(s), from 05.04.2008 to 24.05.2008

	Name	Start value	End value	Dynamic	Contains
	Retail Banking	46,48 %	47,48 %	+ 1 %	Income metrics (38,7%, -0,3%) Investment return metrics (34,6%, -20,27%) Cost metrics (73,8%, 23,77%) Interest margin metrics (43,7%, 16%) Company assets metrics (41,5%, -2,02%) Risk metrics (52,6%, -11,2%)

Graph for Retail Banking

Data for Retail Banking

Income metrics

	Name	Start value	End value	Dynamic	Parent	Contains
	Income metrics	39,02 %	38,72 %	-0,3%	Retail Banking	Indicators Non-interest income level Fee income level Gross profit Interest spread *

Graph for Income metrics

Data for Income metrics

Non-interest income level

	Name	Start value	End value	Dynamic	Measure units	Optimization method	Parent
	Non-interest income level	15,165	24,735	+ 9,57	%	Maximize	Income metrics

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Data for Non-interest income level

Fee income level

	Name	Start value	End value	Dynamic	Measure units	Optimization method	Parent
	Fee income level	41,58	25,76	-15,82	%	Maximize	Income metrics

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Data for Fee income level

Gross profit

	Name	Start value	End value	Dynamic	Measure units	Optimization method	Parent
	Gross profit	10,548	19,626	+ 9,078	Score	Maximize	Income metrics

Graph for Gross profit

Data for Gross profit

Investment return metrics

	Name	Start value	End value	Dynamic	Parent	Contains
	Investment return metrics	54,9 %	34,63 %	-20,27%	Retail Banking	Indicators Return on capital employed Return on operating capital Return on Equity

Graph for Investment return metrics

Data for Investment return metrics

Return on capital employed

	Name	Start value	End value	Dynamic	Measure units	Optimization method	Parent
	Return on capital employed	19,962	8,016	-11,95	%	Maximize	Investment return metrics

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Data for Return on capital employed

Return on operating capital

	Name	Start value	End value	Dynamic	Measure units	Optimization method	Parent
	Return on operating capital	3,198	5,398	+ 2,2	%	Maximize	Investment return metrics

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Data for Return on operating capital

Return on Equity

	Name	Start value	End value	Dynamic	Measure units	Optimization method	Parent
	Return on Equity	20,12	20,22	+ 0,1	%	Maximize	Investment return metrics

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Data for Return on Equity

Cost metrics

	Name	Start value	End value	Dynamic	Parent	Contains
	Cost metrics	50,03 %	73,8 %	+ 23,77%	Retail Banking	Indicators Cost to assets ratio Overhead cost ratio Cost to Income

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Data for Cost metrics

Cost to assets ratio

	Name	Start value	End value	Dynamic	Measure units	Optimization method	Parent
	Cost to assets ratio	6,014	3,356	-2,658	%	Minimize	Cost metrics

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Data for Cost to assets ratio

Overhead cost ratio

	Name	Start value	End value	Dynamic	Measure units	Optimization method	Parent
	Overhead cost ratio	2,8897	2,8061	-0,0836	%	Minimize	Cost metrics

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Data for Overhead cost ratio

Cost to Income

	Name	Start value	End value	Dynamic	Measure units	Optimization method	Parent
	Cost to Income	52,56	46,74	-5,82	%	Minimize	Cost metrics

Graph for Cost to Income

Data for Cost to Income

Interest margin metrics

	Name	Start value	End value	Dynamic	Parent	Contains
	Interest margin metrics	27,7 %	43,7 %	+ 16%	Retail Banking	Indicators Profit margin Operating margin Interest margin

Graph for Interest margin metrics

Data for Interest margin metrics

Profit margin

	Name	Start value	End value	Dynamic	Measure units	Optimization method	Parent
	Profit margin	2,4848	2,5784	+ 0,0936	%	Maximize	Interest margin metrics

Graph for Profit margin

Data for Profit margin

Operating margin

	Name	Start value	End value	Dynamic	Measure units	Optimization method	Parent
	Operating margin	4,012	8,544	+ 4,532	%	Maximize	Interest margin metrics

Graph for Operating margin

Data for Operating margin

Interest margin

	Name	Start value	End value	Dynamic	Measure units	Optimization method	Parent
	Interest margin	5,695	7,466	+ 1,771	%	Maximize	Interest margin metrics

Graph for Interest margin

Data for Interest margin

Company assets metrics

	Name	Start value	End value	Dynamic	Parent	Contains
	Company assets metrics	43,5 %	41,48 %	-2,02%	Retail Banking	Indicators Non-performing assets Reserve requirement Return on average assets

Graph for Company assets metrics

Data for Company assets metrics

Non-performing assets

	Name	Start value	End value	Dynamic	Measure units	Optimization method	Parent
	Non-performing assets	35,4	29,1	-6,3	%	Minimize	Company assets metrics

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Data for Non-performing assets

Reserve requirement

	Name	Start value	End value	Dynamic	Measure units	Optimization method	Parent
	Reserve requirement	13,76	13,55	-0,21	%	Maximize	Company assets metrics

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Data for Reserve requirement

Return on average assets

	Name	Start value	End value	Dynamic	Measure units	Optimization method	Parent
	Return on average assets	0,34294	0,17647	-0,166	%	Maximize	Company assets metrics

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Data for Return on average assets

Risk metrics

	Name	Start value	End value	Dynamic	Parent	Contains
	Risk metrics	63,75 %	52,55 %	-11,2%	Retail Banking	Indicators Value at risk Capital adequacy ratio

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Data for Risk metrics

Value at risk

	Name	Start value	End value	Dynamic	Measure units	Optimization method	Parent
	Value at risk	10,072	11,548	+ 1,476	Score	Minimize	Risk metrics

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Data for Value at risk

Capital adequacy ratio

	Name	Start value	End value	Dynamic	Measure units	Optimization method	Parent
	Capital adequacy ratio	16,895	19,07	+ 2,175	%	Maximize	Risk metrics

Graph for Capital adequacy ratio

Data for Capital adequacy ratio

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