Your complete reference library for stock analysis ratios. Browse guides on profitability, liquidity, solvency, efficiency, and valuation ratios — each explained with formulas, interpretation tips, and real-world examples.
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Credit-Deposit Ratio
The credit deposit ratio is a financial ratio of the total loans lent by a bank to the total deposits received in the same period. The credit deposit ratio is an indicator of the bank's ability to cover loan losses and withdrawals by its customers.
Fundamental Analysis
Financial Ratios
Gross Non-Performing Assets (NPA)
Gross NPA (Non-Performing Assets) represents the total value of loans for which borrowers have failed to make timely payments. It reflects the bank's overall credit risk and indicates the quality of its loan portfolio.
Fundamental Analysis
Financial Ratios
Interest Spread
Interest Spread is the difference between the average lending rate (the rate a bank charges on loans) and the average deposit rate (the rate it pays on deposits). It measures a bank's core profitability from its lending and deposit-taking activities.
Economics
Financial Ratios
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Leverage Ratio
A leverage ratio is a financial metric that measures how much debt a company uses compared to its equity, assets, or earnings. It helps assess a company’s financial risk and ability to meet its obligations, with higher ratios indicating greater reliance on borrowed funds.
Fundamental Analysis
Financial Ratios