## Figure 1.29. Bank Profitability and Liquidity Indicators

## Source details

**Canonical URL:** [Figure 1.29. Bank Profitability and Liquidity Indicators](https://www.imf.org/-/media/files/publications/gfsr/2017/october/chapter-1/pdf-data/figure1-29.pdf)

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### 1. Selected Profitability Indicators (Percent of average assets, percent)
- Headline: "Bank earnings are lower due to narrower margins and rising provisions ..."
- Indicators shown on left scale and right scale:
  - Net income (percent of average assets, left scale)
  - Net interest margin (percent, left scale)
  - Provisions (percent of average assets, right scale)
- Entity groups shown:
  - Big 5
  - Small and medium-sized banks
  - Total
- Note definitions shown:
  - NII = net interest income.
  - NII: other interest income minus other interest expense
  - NII: loans and deposits
  - Provision expense
  - Assets and liabilities available on demand or maturing in three months or less.
- Selected numeric values displayed on the figure:
  - 0.9
  - 1.4

### 2. Small and Medium-Sized Banks: Selected Revenues and Expenses (Percent of assets)
- Caption: "... but would be worse without shadow-related income."
- Lines/series and sample values appearing on the chart (2011–2016 series shown):
  - 0.9, 1.2, 1.5, 1.8, 2.0, 2.3, 2.6
  - 0.1, 0.6, 0.2, 0.3, 0.4, 0.5
  - 1.0, 1.1, 1.2, 1.3
  - Years indicated along x-axis: 2011 12 13 14 15 16
- Specific numeric highlights reproduced exactly as shown:
  - –0.75
  - 3.00
  - 0.00
  - 0.75
  - 1.50
  - 2.25

### 3. Small and Medium-Sized Banks: Nondeposit Funding by Maturity (Percent of assets)
- Caption: "Growing use of risky short-term funding ..."
- X-axis years indicated: 2011 12 13 14 15 16
- Percent of assets scale markers shown: 0, 5, 10, 15, 20, 25, 30, 35
- Series of values associated with shadow-credit-related income and other series (preserved in order as presented):
  - –0.74
  - 0.63
  - 0.82
  - 1.05
  - 0.61
  - 0.98
  - –0.69
  - 1.17
  - 0.53
  - 0.98
  - –0.50
  - 1.32
  - 0.44
  - 0.87
  - –0.31
  - 1.42
  - 0.34
  - 0.76
  - –0.28
  - 1.58
  - 0.31
  - 0.67
  - –0.30
  - 1.73

### 4. Banks: Short-Term Nondeposit Funding Minus Short-Term Nonloan Assets (Percent of assets)
- Caption: "... has led to worsening maturity mismatches."
- Years indicated along x-axis: 2011 12 13 14 15 16
- Vertical scale markers shown: –8, –6, –4, –2, 0, 2, 4, 6, 8
- Sample numeric values shown on figure:
  - –8
  - –6
  - –4
  - –2
  - 0
  - 2
  - 4
  - 6
  - 8

*Sources: SNL Financial; and IMF staff calculations. Note: Shadow credit refers to banks’ nonloan, nonbond credit to nonfinancial private borrowers, both on and off balance sheet. For a complete definition, see footnote 33.*

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_Source: https://www.imf.org/-/media/files/publications/gfsr/2017/october/chapter-1/pdf-data/figure1-29.pdf_