Financial Modeling
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Please correct me if I'm wrong for the PPOP calculations for banks:
PPOP = (net interest income + total non interest income - i.e. fee income) - operating expenses (e.g. staff costs, marketing, rent etc but excludes provisions made) ?
And PPOP margin = (net interest income + total non-interest income) - (operating expenses which excludes provisions made) / net interest income + total fee income?
can you please advise, how do we calculate the credit costs of a bank as well?
Separately, wondering if anyone in this banks financial modelling group has a compiled pdf detailing the key CAMELS ratios calculations which we can refer for use when assessing banks?
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