Net fee and commission income to net operating income in Europe Q4 2014-Q1 2023

Net fee and commission income to total net operating income is a measure of profitability for banks. According to the ECB, since the financial crisis, fees and commissions have become an increasingly important income source for euro area banks. The EU weighted average of net fee and commission income to total net operating income has increased overall during the period displayed, peaking at 32.9 as of March 2020. Throughout 2022 and 2023, however, it dropped sharply. Profitability and stabilityLow profitability has been highlighted several times by the ECB as a key risk to the financial stability of the Euro area. Prolonged low profitability can have a knock-on effect to an economy’s growth. On the other hand, sustained periods of higher than average profitability can also mean trouble as was seen in the period running up to the financial crisis. Other key measuresThere are several other metrics that can also be used. Return on equity (ROE), which divides net income by shareholders equity looks at how well a company’s management is using its assets to create profits. Another key measure of a bank's profitability is to look at the return on assets (ROA), which divides a bank’s net income by its total assets during a given period.

净费用及佣金收入占净营业收入之比，是衡量银行盈利能力的关键指标。根据欧洲央行（ECB）的数据，自金融危机以来，费用和佣金已成为欧元区银行收入来源的重要组成部分。在所展示的期间内，欧盟加权平均的净费用及佣金收入占净营业收入之比总体呈上升趋势，截至2020年3月达到峰值32.9。然而，在2022年和2023年期间，该比率急剧下降。盈利能力与稳定性方面，欧洲央行多次强调低盈利能力是欧元区金融稳定的关键风险。长期的低盈利能力可能对经济增长产生连锁反应。另一方面，高于平均水平的盈利能力持续期也可能预示着问题，正如金融危机前夕所观察到的。其他关键指标方面，还存在其他一些可用的度量标准。净资产收益率（ROE），即通过将净收入除以股东权益来衡量公司管理层如何有效地利用其资产创造利润。银行盈利能力的另一个关键指标是资产收益率（ROA），即在一定时期内将银行的净收入除以其总资产。