Without considering operating costs
Product profitability evaluation based on IRR caliber Product profitability under the IRR caliber is internal product profitability, which is the true product revenue for the enterprise. In credit business, the IRR caliber product profitability should be based on the product’s daily average capital occupation. The total loan amount for the month was million yuan. Based on the capital occupation of the loan principal at the end of each month, the average daily occupation amount of this part of the funds was measured to be million yuan. Therefore, the profit under the IRRcaliber is. Therefore, without considering operating costs, based on Guangdong Mobile Phone Number List the IRR caliber, the product's profitability is approximately %. Product profitability performance under the IRR caliber can be used to compare the product profitability of different products at the same statistical time point within the company. Evaluation conclusion Based on the product profitability evaluation, the conclusions and subsequent product strategies we can draw include: ) , the product achieved a net profit of approximately RMB million; relative to the loan
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amount, the product's APR profit was %; the product's annualized net income under the IRR was %. ) The income of this product is all loan interest income and penalty interest income. Due to the regulatory authorities' income supervision measures in various aspects of the marketing link, this product cannot increase product income through other income sources. ) Among various costs, product risk costs account for the largest proportion, followed by capital costs. .
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