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第二章商业银行经营评价BalanceSheetChinaBigFourBanks(12/31/2002)v.s.AllUSBanks(12/31/2002)PNCBank(12/31/2000,TA:63bn)v.s.CommunityNationalBank(12/31/00,TA:0.1bn)BankAssets:LoansLoans:CategoriesPNCandCNB:Loanportfolio(2000)BankAssets:InvestmentsecuritiesBankAssets:InvestmentsecuritiesBankAssets:NoninterestcashandduefrombanksBankAssets:OtherassetsBankLiabilitiesBankliabilities:DepositsBankliabilities:DepositsCoredopositsBorrowings(volatilefunds)Capital:SubordinatednotesanddebenturesCapital:Stockholders'equityIncomeStatementTheIncomestatementInterestincomeInterestexpenseNoninterestincomeNoninterestexpenseLoan-lossprovisions(PLL)Incomestatement:PNC&CNB,2000Realizedsecuritiesgains(orlosses)RelationshipbetweenbalancesheetandincomestatementRelationshipbetweenbalancesheetandincomestatementReturnonequity(ROE=NI/TE)…thebasicmeasureofstockholders’returnsReturnonassets(ROA=NI/TA)…canbedecomposedintotwoparts:Assetutilization(AU)→incomegenerationExpenseratio(ER)→expensecontrolAssetutilization(AU=TR/TA):…theabilitytogenerateincome.Expenseratio(ER=Exp/TA)…theabilitytocontrolexpenses.OtheraggregateprofitabilitymeasuresFinancialratios…PNC,2000PerformanceCharacteristicsofDifferent-sizedBanks:TrendwithSizeEquitycapitalratioCorecapital(leverage)ratioTier1risk-basedcapitalratioTotalrisk-basedcapitalratioNetinterestmarginYieldonearningassetsCostoffundingearningassetsEarningassetstototalassetsEfficiencyratioNoninterestincometoearningassetsNoninterestexpensetoearningassetsLN&LSlossprovisiontoassetsUSBanks:ROA(2002)USBanks:ROE(2002)US&ChineseBanks:ROA(2002)US&ChineseBanks:ROE(2002)演讲完毕，谢谢观看！
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