In the case of banks with lowleverage, the interest margin and net income ratioswill be higher because banks with higher levels ofequity need to borrow less to support a given level ofassets and thus have lower interest expenses. The proportionof gross income generated through fees andcommissions compared with net interest incomeshould also be monitored, as the employment of capital,the level of operating costs, and the level ofassets held can differ.
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