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Banking Profitability and Performance Management

Lower share of assets in Corporate/ Wholesale Banking Higher share of assets deployed in Retail Banking Higher share of assets deployed in Treasury operations Chart 5: Impact of portfolio on ROA 0 0.2 0.4 0.6 0.8 1 Large Banks Medium Banks Small Banks STDEV in ROA STDEV in ROA (2009-10) 36% 28% 34% 2% 45% 25% 29% 1% 0% 5% 10% 15%

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