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Select items at Wales Bank and Conwy Bank; 2008 and 2018. Wales Bank Conwy Bank 2008 2018 2008 2018 Net Interest Revenue 50,4

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BURDEN RATIO is defined as a mathematical ratio which banks take into account while deciding whether a particular applicant is eligible for a loan or not. ... The burden ratio is calculated as the ratio of the Total Debt the applicant owes to Total Assets the applicant owns..

.EFFICIENCY RATIO is typically used to analyze how well a company uses its assets and liabilities internally. An efficiency ratio can calculate the turnover of receivables, the repayment of liabilities, the quantity and usage of equity, and the general use of inventory and machinery. This ratio can also be used to track and analyze the performance of commercial and investment banks.

OPERATING RISK RATIO

The operating ratio shows the efficiency of a company's management by comparing the total operating expense  of a company to net sales. The operating ratio shows how efficient a company's management is at keeping costs low while generating revenue or sales. The smaller the ratio, the more efficient the company is at generating revenue versus total expenses.

BURDEN RATIO = TOTAL LIABILITIES DIVIDED BY TOTAL ASSETS

EFFICIENCY RATIO = NON INTEREST EXPENSE DIVIDED BY NET INCOME

OPERATING RISK RATIO = OPERATING EXPENSE DIIVIDED BY GROSS INCOME

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