Ratios | Meaning | Definition |
Profitability | Asset Yield (AY) | AY = Interest/Asset |
| Profit Margin (PM) | PM = (Profit/Turnover) × 100 |
| Return on Equity (ROE) | ROE = PM × AY × LF |
Liquidity | Liquid Asset Ratio (LAR) | LAR = (Total Cash/Asset) × 100 |
| Loan to Deposit Ratio (LDR) | LDR = (Loan/Deposit) × 100 |
| Debt Ratio (DR) | DR = Debt/Equity |
Interest Rate Risk Management | Asset Interest Yield (AIY) | AIY = IR/A |
| Break Even Yield (BEY) | BEY = IE/A |
| Net Interest Margin (NIM) | NIM = NII/A |
Credit Risk Management | Loan Loss Provision (LLP) | LLP = Total Loan Loss/Total Loan’ |
| Risk Adjusted Margin (RAM) | RAM = NI + OI ? PRI/AA |