Rbe et pnb

Hello sir I would like to know about the Gross Operating Income (GOI) of RBE PNB so please provide me suitable information about these terms.

[Pathak]

Banks are by definition of financial institutions that collect deposits money and then use them as investments or credit to companies and households.

Gross Operating Income (GOI)

EBITDA is obtained by subtracting the GNP overheads.

The RBE is the benchmark of actual banking activity (excluding provisions and exceptional items).

The net income ratio is an important ratio that provides the structural expenses to GNP.

It measures the share of GNP devoted to structural expenses (preferred that it be less than 70%).

The swap: to swap means to exchange or financial exchange; swap is a financial derivative.

This is a swap of financial flows between two parties, which are usually banks or financial institutions.

Net banking income (NBI):

This indicator takes into account all the bank's activities GNP is therefore obtained by subtracting the sum of revenues the sum of operating expenses:

The main components of GDP 5 are:

Interest received from customers and those paid to third parties,

Securities portfolio of products and investments,

On the other banking revenues (mainly commissions on services)

The service commissions are increasingly sought after by banks because they are not sensitive to changes in rates and thus they improve their profitability.

The profit before tax:
It is measured by decreasing the GOI provisions and loss on bad debts, that is to say it takes into account the counterparty risk (or credit).

Net income (RN):
As for net income takes into account exceptional income and expenses, depreciation and onward to the fund for general banking risks, and corporate tax