《银行管理》课件cha课件.ppt

Chapter 5Managing noninterest income and noninterest expense P 195 212P 195 212Contents Common Financial Ratios of Expense Common Financial Ratios of Expense Control and Noninterest Income Growth Control and Noninterest Income Growth （P 195 204P 195 204）Customer Profitability and Business Mix Customer Profitability and Business Mix （P 205 209P 205 209）Strategies to Manage Noninterest Expense Strategies to Manage Noninterest Expense （P 209 212P 209 212）Chapter 5 Chapter 5 1 Common Financial Ratios of Expense Common Financial Ratios of Expense Control and Noninterest Income Growth Control and Noninterest Income Growth P 201 P 201 Burden/Net overhead expenseBurden/Net overhead expenseEfficiency ratioEfficiency ratioOperating risk ratioOperating risk ratioProductivity ratioProductivity ratioChapter 5 Chapter 5(1)Burden/Net overhead expenseP 201P 201Net Overhead ExpenseNet Overhead Expense=Noninterest expenseNoninterest expenseNoninterest incomeNoninterest incomeAverage assetsAverage assetsBurden=Noninterest expenseBurden=Noninterest expenseNoninterest incomeNoninterest incomeChapter 5 Chapter 5 Efficiency ratio=Efficiency ratio=noninterest expensenoninterest expensenet interest income+noninterest incomenet interest income+noninterest income(2)Efficiency ratioP 202P 202Chapter 5 Chapter 5 Operating Risk Ratio=Operating Risk Ratio=Noninterest expenseNoninterest expenseFee incomeFee incomeNet interest marginNet interest margin(3)Operating Risk RatioP 202P 202Chapter 5 Chapter 5 Assets per employee=Assets per employee=Average assetsAverage assetsNumber of fullNumber of full-time employeestime employeesAverage personnel expense=Average personnel expense=Personnel expensePersonnel expenseNumber of fullNumber of full-time employeestime employeesP 204P 204(4)Productivity ratiosChapter 5 Chapter 5 Loans per employee=Loans per employee=Average loansAverage loansNumber of full-time employeesNumber of full-time employeesNet income per employee=Net income per employee=Net incomeNet incomeNumber of full-time employeesNumber of full-time employeesFor community banksP 204P 204Chapter 5 Chapter 5 Contents Common Financial Ratios of Expense Common Financial Ratios of Expense Control and Noninterest Income Growth Control and Noninterest Income Growth （P 195 204P 195 204）Customer Profitability and Business Mix Customer Profitability and Business Mix Strategies to Manage Noninterest ExpenseStrategies to Manage Noninterest Expense （P 209 212P 209 212）Chapter 5 Chapter 5 2 Strategies to Manage Noninterest ExpenseStrategies to Manage Noninterest Expense What then is cost management?What then is cost management?In general,it is a philosophy of allocating In general,it is a philosophy of allocating resources to the most profitable lines of resources to the most profitable lines of business to achieve improved performance.business to achieve improved performance.P 209 P 209 Chapter 5 Chapter 5 Four basic stragetiesExpense reductionExpense reductionOperating efficienciesOperating efficienciesRevenue enhancementRevenue enhancementContribution growthContribution growthP 210 P 210 Chapter 5 Chapter 5 THE ENDChapter 5 Chapter 5