Tng ti sn = tng n + Vn ch s hu Cho vay rng = tng cho vay (phn b d phng tn tht tn dng+thu nhp li tr trc) Thu

u nhp khng chia = vn ch s hu (vn c phn thng+thng d vn+d tr vn+vn c phn u i) Chng khon u t = tng ti sn (tin mt v tin gi ti cc ngn hng+ti sn khc+chng khon ti ti khon giao dch+cho vay qu lin bang+gi tr cn li ca thit b ngn hng+n ca khch hng theo thng phiu chp nhn thanh ton+cho vay rng) Khu hao=thit b ngn hng gi tr cn li ca thit b ngn hng Tng tin gi = tng n - (cc khon vay+vay ca khch hng v thng phiu chp nhn thanh ton) Thu nhp sau thu = Thu nhp sau thu = thu nhp trc thu x(1-thu thu nhp). Tng thu t li = thu li ph t cho vay + thu li v c tc t ck Tng chi ph tr li = tin li tr khch c tkhon tkim c k hn + li ti qu lin bang Thu nhp t li = tng thu t li-tng chi ph tr li Thu ngoi li = ph dch v do ngi gi tin tr + ph hot ng khc Chi ph ngoi li = lng v phc li cho nhn vin+khu hao thit b+chi ph hat ng khc Thu nhp ngoi li = thu nhp ngoi li-chi ph ngoi li. Thu nhp hat ng rng trc thu = thu nhp t li- phn b d phng tn tht tn dng+Thu nhp ngoi li Thu nhp trc thu = thu nhp hat ng rng trc thu+li vn rng t vic bn ck

Thu nhp sau thu = thu nhp trc thu-thu Thu nhp gi li = thu nhp sau thu-khon phi tr cho cc c ng thng thng Cho vay rng = Tng cho vay - d phng tn tht tn dng- thu nhp li tr trc Chng khon u t = Tng ti sn-cho vay rng tin mt v tin gi ti cc nh-ts khc-ck ti cc ti khon giao dch- cho vay qu lin bang-n ca khch hng theo thng phiu chp nhn thanh ton

T l sinh li hat ng NPMM

T l hiu qu s dng ti sn (AU)

T trng vn CSH (EM) Mc tc ng ca cc khon gd B vi thu nhp rng

ROE=NPMM x AU x EM *NPMM:
phn nh tnh hiu qu ca vic qun l chi ph v cc chnh sch nh gi dch v

*AU: phn nh cc chnh sch qun l danh mc u t (cu trc v thu nhp ca ti sn) *EM: phn nh chnh sch n by ti chnh:cc ngun vn c la chn ti tr cho h ca NH T s hiu qu hat ng

T s nng sut lao ng

DR

Ti sn nhy cm li sut=cho vay qu lin bang+CK+Cho vay v cho thu N nhy cm li sut= tin gi hng li+vn vay trn ttrng tin t IS GAP= ISA ISL Khe h nhy cm li sut = ti sn nhy cm ls n nhy cm ls

Khe h k hn

Gii php an ton cho khe h k hn: K hn hon vn trung bnh theo danh mc ti = k hn hon vn tb theo danh mc n

Ch : gi tr hin ti PV=gi tr lung tin / (1+YTM) t (PV x t)/PV.. Khe h k hn = DA DL x L/A