The cost to income ratio also referred to as ‘efficiency ratio’ does not provide an insight into:
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Thought Leadership
Risk Adjusted Operational Performance (RAOP) Measures
Large banks have become unwieldy. They are attempting to transform, from a complex, siloed processing environment into knowledge driven banks of the future. They are adopting event driven, services / microservices based architecture in an incremental way.
The moral of the neo bank story is that Technology is a lever, an enabler. A sustainable business model should leverage human capital and technology to gain competitive advantage and sustained profitability.
This portal is about the systems and methods for measuring and managing banking operations.
www.BankERRM.org, www.PBORM.org and www.RAOP.org are portals on enterprise risk adjusted return management in financial institutions.
Author: Kannan Subramanian R
KannanSubramanianR@BankERRM.org
The calculation of the cost to income ratio is non-standard. Some banks make adjustments for loan provisions and write offs. Further, the ratio is not risk-adjusted
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Event driven, Data centric, Services based loosely coupled, interoperable Enterprise architecture, Zero Trust Architecture;
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Event driven, Data centric, Services based loosely coupled, interoperable Enterprise architecture, Zero Trust Architecture;
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