The following are the most commonly used ratio measures of bank return except______.

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问题 The following are the most commonly used ratio measures of bank return except______.

选项 A、ROA
B、ROE
C、RAROC
D、NIM

答案C

解析 答案为C项。ROA(return on asset)“资产收益率”,反映银行的资产运营效率,即银行资金运用获得净回报的能力,是用税后净收入除以总资产。ROE(return on equity)“股本收益率”,衡量银行股东的投资利率回报账面价值,是用税后净收入除以总股本。RAROC (risk—adjusted return on capital)“风险调整后的资本收益”,指投资人承担单位风险时所可能获得的最大收益,是用贷款收入除以风险资本。NIM(net interest margin)“净利差”,衡量银行利息业务的获利能力,是用净利息收入除以生息资产。最常用的衡量银行回报的指标包括ROA、ROE和NIM三个,不包括RAROC。故本题选C项。
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