Worldscope Database Datatype Definitions Guide

Combined Ratio
Profitability Ratio, Annual Item; Field 15561
Insurance Companies:
Loss Ratio + Expense Ratio
Combined Ratio - 5 Yr Avg
Profitability Ratio, Annual Item; Field 15564
Insurance Companies:
Arithmetic average of the last five years of Combined Ratios
Footnotes:
A. Three year average
B. Four year average
Issue 6
Alphabetical List of Field Definitions - C
Commercial & Industrial Loans
Asset Data, Annual Item; Field 02265
Banks:
COMMERCIAL & INDUSTRIAL LOANS represent loans made to business and industry.
It includes but is not restricted to:
Loan bills discounted (Japan)
Commercial bills (Spain)
Footnotes:
A. Includes consumer and instalment loans
B. Includes financial and institutional loans
Commission and Fees
Income Data, Annual Item; Field 01015
Banks, Other Financial Companies:
COMMISSION AND FEES represent income generated from service charges to maintain a client's
account.
It includes but is not restricted to:
Checking account fees
Service charges on deposit accounts
Business service fees
Processing service fees
Credit card fees
Loan servicing other fees
Fees on guarantees and other securities (Spain)
Commission/Fees for banking and related services
Footnotes:
A. Net of provisions
B. Other operating income is not delineated
C. Includes commission from foreign exchange
D. Net of expenses
F. Net of expenses including tax
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