The following are the information extracted from financial statements of City Bank and Metro Bank for the fiscal year 2078/79 (in Million Rs)…
BBS Foundation of Financial Systems · 2080 · Solved Question with Answer
The following are the information extracted from financial statements of City Bank and Metro Bank for the fiscal year 2078/79 (in Million Rs)
| Particulars | City Bank | Metro Bank |
| Total Assets | 29,000 | 38,000 |
| Interest Income | 4,000 | 4,500 |
| Interest Expenses | 2,100 | 2,900 |
| Net Interest Income (NII) | 1,900 | 1,600 |
| Non-interest Income | 350 | 650 |
| Loans, Advances & Bills | 21,000 | 27,000 |
| Investments | 5,000 | 8,000 |
| Interest Bearing Deposits | 24,000 | 26,000 |
| Debenture and Bond | 500 | 600 |
a. Calculate non-interest income ratio of both banks for the fiscal year 2078/79
b. Calculate net interest margin ratio of both banks for the fiscal year 2078/79
c . Calculate spread ratio of both banks for the fiscal year 2078/79
d. How do you evaluate both bank's performance on the basis of calculated ratios ?