181****31272025-02-21 13:41:31
181****3127请问该如何区分revenue和profit 在raroc的计算中，loan revenue是所有的收入去掉了成本，按照我的理解应该叫做profit但这里叫做revenue 所以不清楚该如何区分
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180****86962025-02-22 13:09:27
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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杨玲琪2025-02-25 23:43:48
杨玲琪同学你好，
在分析银行业务时，profit通常指的是整个银行的综合经营成果，涵盖所有业务线的收入减去全部成本和费用，所以用loan revenue更合理一些。如果是专门针对贷款业务的分析，可以说这里的"revenue"在某种程度上代表了该贷款业务的profit。
希望能解答你的疑惑，加油！
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