181****3127
2025-02-21 13:41請(qǐng)問(wèn)該如何區(qū)分revenue和profit 在raroc的計(jì)算中，loan revenue是所有的收入去掉了成本，按照我的理解應(yīng)該叫做profit但這里叫做revenue 所以不清楚該如何區(qū)分
所屬：FRM Part II > Credit Risk Measurement and Management 視頻位置 相關(guān)試題
來(lái)源： 視頻位置 相關(guān)試題
2個(gè)回答
180****8696
2025-02-22 13:09
該回答已被題主采納
In RAROC (Risk-Adjusted Return on Capital) calculations, revenue typically refers to the total income generated from a loan, which includes interest and fees, before deducting any costs or expenses. Profit, on the other hand, is the amount remaining after subtracting all associated costs, such as operating expenses, provisions for loan losses, and capital costs. The confusion arises because the term "loan revenue" in this context refers to the income from the loan (gross of costs), not the net income. Thus, in RAROC, revenue is the total income, while profit is the net income after accounting for costs. This distinction is crucial because RAROC measures the return relative to the capital required, and it uses profit to assess the performance against the risk-adjusted capital employed.
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楊玲琪助教
2025-02-25 23:43該回答已被題主采納
同學(xué)你好，
在分析銀行業(yè)務(wù)時(shí)，profit通常指的是整個(gè)銀行的綜合經(jīng)營(yíng)成果，涵蓋所有業(yè)務(wù)線的收入減去全部成本和費(fèi)用，所以用loan revenue更合理一些。如果是專門針對(duì)貸款業(yè)務(wù)的分析，可以說(shuō)這里的"revenue"在某種程度上代表了該貸款業(yè)務(wù)的profit。
希望能解答你的疑惑，加油！
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