Data Analyst Vs Business Analyst Vs Data Engineer Vs BI Specialist

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  Data Science - Complete Track • Step 1 - Identify the business problem/value addition/question – ( Data Insights ) this has to be the starting point. • Step 2 - Data availability ( Data Governance ) - Have the structure of your data set defined – The real challenge starts here-                o Do we have the data?                o Do we have access to the required data? • Step 3 -Getting Data ( Data Mining / Data Pipeline ) – How to collect the data from different sources in the system • Step 4 - Data preparation (ETL / ELT) – Once you have data there will be lot of cleaning and preparation required, reduce/increase/combine/split the predictors, determine and eliminate outliers, populate missing values convert few categorical variables into numerical etc. • Step 5 –Exploratory Data Analysis (EDA) – In this step we do descriptive and diagnostic analysis of the existing data. We build multiple graphs that give us direction towards the next steps of predictive analytics. We migh
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KEY PERFORMANCE METRICS FOR BANKS



  • Leadership starts with access to the right information to make intelligent decisions and drive a data culture.
  • The average bank spends an excessive number of hours per month assembling financial performance reports, then updating, distributing, and interpreting data.

  • Bank should consider a performance management tool designed to automate the entire process, empowering to do less administrative work compiling data and reports, and more time making data-driven decisions that impact bottom-line success.
  • Impactful strategic decisions then start with understanding current performance strengths and areas of improvement by tracking the right mix of key performance metrics for banks metrics and bank KPIs.

METRICS:

1. LDR

Loans/Deposits Ratio (LDR) – Expressed as a percentage, LDR is used to assess a bank's liquidity by comparing a bank's total loans to its total deposits for the same period. If the ratio is too high, it means that the bank may not have enough liquidity to cover any unforeseen fund requirements.


LDR   BETWEEN 80% TO 90%           SAFE ZONE
LDR   BETWEEN 90% TO 110%         ALERT ZONE
LDR   ABOVE 110%                               RISK  ZONE

2. ER

The ratio of non-interest expenses divided by revenue. This shows how well the bank's managers control their overhead expenses.

 IDEAL: BELOW 50%

TREND: 60%

3. LCR

The Liquidity Coverage Ratio (LCR) is a financial metric that measures a bank's ability to meet short-term liquidity requirements.


LCR SHOULD BE EQUAL OR GREATER THAN 100%

4. LR or CR (LIQUIDITY RATIO / CURRENT RATIO)

RECOMMENDED CR IS 1.2 OR 120% OR HIGHER GENERALLY PROVIDE A CUSHION.

5. DR (DEBT RATIO)


FROM A RISK-BASED APPROACH, DEBT RATIO OF 0.4 OR LOWER IS RECOMM.


6. CAR (CAPITAL ADEQUACY RATIO)

BANK’S ABILITY TO PAY LIABILITIES, AND RESPOND TO CREDIT RISKS AND OPERATIONAL RISKS.
REGULATORY CAPITAL OR CAPITAL REQUIREMENT IS THE AMOUNT OF CAPITAL A BANK OR OTHER FINANCIAL INSTITUTION HAS TO HOLD AS REQUIRED BY ITS FINANCIAL REGULATOR.

VALUE OF RISK ADJUSTED ASSETs (RAA) OR RISK WEIGHTED ASSETs (RAW) IS THE SUM OF EACH ASSET MULTIPLIED BY ITS ASSIGNED INDIVIDUAL RISK.

CAPITAL ADEQUACY AND AVAILABILITY ULTIMATELY DETERMINE THE DEGREE OF ROBUSTNESS OF FINANCIAL INSTITUTIONS TO WITHSTAND SHOCKS TO THEIR BALANCE SHEETS. (FINANCIAL SOUNDNESS INDICATORS (FSI))

**********   MINIMUM RECOMMENDED VALUE IS BETWEEN 8% TO 10.5%

**********   HIGHER CAR VALUE IS BETTER.

A FEW MORE INDICATORs

ROE (RETURN ON EARNINGs) SHOWS PERFORMANCE BASED ON SHAREHOLDER EQUITY.

ROA (RETURN ON ASSETs ) SHOWS COMPANY PROFITABILITY BASED ON ITS TOTAL ASSETS. 

ROD (RETURN ON DEBT) MEASURES HOW MUCH A COMPANY PROFITS FROM BORROWED OR LEVERAGED FUNDS. 



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