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The ratio of profit before tax to total average assets (ROAA)

This is perhaps the most important single ratio in comparing the efficiency and operational performance of banks as it looks at the returns generated from the bank's assets. It is calculated by dividing net income by average total assets.

The ratio of profit before tax to total average equity (ROAE)

ROAE is the return on average equity. The return on average equity is a measure of the return on shareholder funds. The higher the figure the better, except when a bank is highly leveraged. It is calculated by dividing Net income by average shareholders equity (summation of the equity value at the beginning and the closing of a year, divided by two).

Net interest margin (NIM)

Net interest income or margin expressed as a percentage of earning assets. The higher this figure the cheaper the funding or the higher the margin the bank is commanding.