One of the measures of a bank's efficiency and return is "earnings spread".It is calculated by the ratio of total interest income to total liabilities as reduced by the ratio of total interest expenses to total assets.

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Earnings spread is calculated as the difference between the interest income generated by the bank on its assets (like loans) and the interest paid out on its liabilities (like deposits), not by the ratio described.

One of the Measures of a Bank's Efficiency and Return