04-Bradesco-Revenue-Expense.PPTVIP免费

MUC-0184-97099-02-04.ppt-1-Bradesco–Revenue/ExpenseStructure–Munich,February1999RolandBerger&PartnerGmbH–InternationalManagementConsultantsBarcelona–Beijing–Berlin–Brussels–Bucharest–Budapest–BuenosAires–Delhi–Düsseldorf–Frankfurt–HamburgHelsinki–HongKong–Kiev–KualaLumpur–Lisbon–London–Madrid–Milan–Moscow–Munich–NewYork–ParisPrague–Riga–SãoPaulo–Shanghai–Stockholm–Stuttgart–TelAviv–Tokyo–Vienna–ZurichMUC-0184-97099-02-04.ppt-2-RevenueandExpense–Structure(1/5)Proposal1)Totaloperatingexpenses/totaloperatingrevenue2)(Netincomebefore/aftertaxes)/equitybaseSource:RolandBerger&PartnerNon-interestincomeInterestincomeInterestexpenseNon-interestexpensesNetinterestmarginNon-operatingrevenueCost-to-incomeratio1)Non-operatingexpensesNetincomeROE2)Equity34OperatingrevenueOperatingexpenses21MUC-0184-97099-02-04.ppt-3-RevenueandExpense–Structure(2/5)Proposal1)Expenseportionnettedout;deemedtobegenerallynegligibleSource:RolandBerger&PartnerOperatingrevenue1Interestincome–Securities–Loans–Companies–Individuals–Agriculture–Housing–Foreignexchange–Interbank–LeasingNon-interestincomeNetfees1)NetCommissionfees1)Nettrading1)Netinsuranceincome–Tariffs–Creditcards–Collection–AssetManagement–Underwriting–Securities–Securities–Foreignexchange,Banknotes–Interestratefutures1aMUC-0184-97099-02-04.ppt-4-RevenueandExpense–Structure(3/5)ProposalSource:RolandBerger&PartnerNetinsuranceincomeNon-LifebusinessnetincomeExtraordinaryitemsNetwrittenpremiumClaimsincurredCommissionsGeneralexpensesTechnicalresultsInvestmentincomeLifebusinessnetincomeExtraordinaryitemsOrdinaryexpensesOrdinaryincomeTechnicalcostsGeneralexpensesCommissionsNetwrittenpremiumInvestmentincome1aMUC-0184-97099-02-04.ppt-5-RevenueandExpense–Structure(4/5)ProposalSource:RolandBerger&PartnerOperatingexpenses2Interestexpenses–Bankdepostits–Demand–Savings–Time–Domesticborrowings–Foreignborrowings–Interbank–OnlendingsNon-interestexpensesPersonnelDepreciationPremisesandequipmentOtheradminstrativeexpenses–Salaries–Employeebenefits–Other–IT-expenses–Premises–Equipment–Other–Marketing–Selling–OtherMUC-0184-97099-02-04.ppt-6-RevenueandExpense–Structure(5/5)ProposalSource:RolandBerger&PartnerNon-operatingexpenses–Loanlossprovisions–Effectiveloanlosses–Extraordinaryitems(restructuringcharges)–Othernon-operatingitems4Non-operatingrevenue–Incomefromequityinvestmentsinsubsidiaries–Extraordinaryitems–Othernon-operatingitems3MUC-0184-97099-02-04.ppt-7-ARGENTINARolandBergeryAssociadosS.A.InternationalManagementConsultantsTte.Gral.J.D.Peron346-Piso5°1038BuenosAiresPhone++54-1-3421498Fax++54-1-3455758AUSTRIARolandBerger&PartnerGes.m.b.HInternationalManagementConsultantsFreyung3/2/10A-1010ViennaPhone++43-1-536020Fax++43-1-5360260BELGIUMRolandBerger&PartnerInternationalManagementConsultants100,BoulevardduSouverainB-1170BrusselsPhone++32-2-6790170Fax++32-2-6729222BRAZILRolandBergerAssociadosConsultoriaInternacionalLtda.RuaAlexandreDumas,2220-5°andar04717-004SãoPaulo/S.P.Phone++55-11-51818366Fax++55-11-51816919BULGARIARolandBerger&PartnerGmbHInternationalManagementConsultantsBoulevardG.M.Dimitrov52A1040SofiaPhone++359-2-719401Fax++359-2-710145CHINARolandBerger(Shanghai)InternationalManagementConsultantsLtd.72XingGuoRoad3FBusinessBuildingShanghai200052,P.R.C.Phone:++86-21-6212641...