{"id":3121,"date":"2015-03-19T11:08:12","date_gmt":"2015-03-19T11:08:12","guid":{"rendered":"http:\/\/www.kunnskap.de\/?page_id=3121"},"modified":"2022-10-23T14:41:14","modified_gmt":"2022-10-23T12:41:14","slug":"cost-income-ratio","status":"publish","type":"page","link":"https:\/\/prudentwater.com\/en\/cost-income-ratio\/","title":{"rendered":"Cost-Income-Ratio"},"content":{"rendered":"<p>Auch <strong>Aufwand-Ertrag-Verh\u00e4ltnis<\/strong> oder <strong>CIR<\/strong><\/p>\n<p>Die Cost-Income-Ratio ist eine Kennzahl mit der die Effizienz und Wirtschaftlichkeit eines Kreditinstitutes bewertet wird. Die Cost-Income-Ratio macht deutlich, wie kosteneffizient ein Bankinstitut arbeitet. Dabei wird der Verwaltungsaufwand (Kosten) in Relation zu den Ertr\u00e4gen gesetzt.<\/p>\n<hr>\n<p><small><b>Berechnung:<\/b><\/small><br \/>\n<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/prudentwater.com\/wp-content\/uploads\/2021\/08\/cost-income-ratio.png\" alt=\"\" class=\"aligncenter size-full wp-image-10856\" width=\"500\" height=\"64\" title=\"\"><\/p>\n<hr>\n<p style=\"margin-bottom: 50px;\">\n<h3>Interpretation der Cost-Income-Ratio<\/h3>\n<p>Je geringer die Cost-Income-Ratio ist, desto effizienter wirtschaftet das Kreditinstitut. Je geringer die Kennzahl, desto niedriger sind die Kosten in Relation zu den erzielten Ertr\u00e4gen. Der Ertrag einer Bank ergibt sich in der Regel gr\u00f6\u00dftenteils durch den Zins\u00fcberschuss aber auch durch Provisionen und Geb\u00fchren f\u00fcr Servicedienstleistungen. Die Cost-Income-Ratio beeinflusst zudem die Eigenkapitalrendite einer Bank. Durch eine geringere CIR kann n\u00e4mlich die Eigenkapitalrendite gest\u00e4rkt werden, welche eine wichtige und entscheidende Kennzahl f\u00fcr Banken ist. Banken streben nat\u00fcrlich immer danach, die Cost-Income-Ratio zu senken und sp\u00e4testens nach der globalen Finanzkrise 2007 wird dies vor allem durch Digitalisierung und Technologisierung des t\u00e4glichen Gesch\u00e4ftsablaufes sowie durch Filialschlie\u00dfungen (Ausd\u00fcnnung des Filialnetztes) und Stellenabbau erzielt.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Auch Aufwand-Ertrag-Verh\u00e4ltnis oder CIR Die Cost-Income-Ratio ist eine Kennzahl mit der die Effizienz und Wirtschaftlichkeit eines Kreditinstitutes bewertet wird. Die Cost-Income-Ratio macht deutlich, wie kosteneffizient ein Bankinstitut arbeitet. Dabei wird der Verwaltungsaufwand (Kosten) in Relation zu den Ertr\u00e4gen gesetzt. Berechnung: Interpretation der Cost-Income-Ratio Je geringer die Cost-Income-Ratio ist, desto effizienter wirtschaftet das Kreditinstitut. Je geringer [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-3121","page","type-page","status-publish","hentry"],"translation":{"provider":"WPGlobus","version":"3.0.2","language":"en","enabled_languages":["de","en"],"languages":{"de":{"title":true,"content":true,"excerpt":false},"en":{"title":false,"content":false,"excerpt":false}}},"featured_image_urls_v2":{"full":"","thumbnail":"","medium":"","medium_large":"","large":"","1536x1536":"","2048x2048":""},"post_excerpt_stackable_v2":"<p>Auch Aufwand-Ertrag-Verh\u00e4ltnis oder CIR Die Cost-Income-Ratio ist eine Kennzahl mit der die Effizienz und Wirtschaftlichkeit eines Kreditinstitutes bewertet wird. Die Cost-Income-Ratio macht deutlich, wie kosteneffizient ein Bankinstitut arbeitet. Dabei wird der Verwaltungsaufwand (Kosten) in Relation zu den Ertr\u00e4gen gesetzt. Berechnung: Interpretation der Cost-Income-Ratio Je geringer die Cost-Income-Ratio ist, desto effizienter wirtschaftet das Kreditinstitut. Je geringer die Kennzahl, desto niedriger sind die Kosten in Relation zu den erzielten Ertr\u00e4gen. Der Ertrag einer Bank ergibt sich in der Regel gr\u00f6\u00dftenteils durch den Zins\u00fcberschuss aber auch durch Provisionen und Geb\u00fchren f\u00fcr Servicedienstleistungen. Die Cost-Income-Ratio beeinflusst zudem die Eigenkapitalrendite einer Bank. Durch eine geringere&hellip;<\/p>\n","category_list_v2":"","author_info_v2":{"name":"PrudentWater","url":"https:\/\/prudentwater.com\/en\/author\/niklas33\/"},"comments_num_v2":"0 comments","_links":{"self":[{"href":"https:\/\/prudentwater.com\/en\/wp-json\/wp\/v2\/pages\/3121","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/prudentwater.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/prudentwater.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/prudentwater.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/prudentwater.com\/en\/wp-json\/wp\/v2\/comments?post=3121"}],"version-history":[{"count":0,"href":"https:\/\/prudentwater.com\/en\/wp-json\/wp\/v2\/pages\/3121\/revisions"}],"wp:attachment":[{"href":"https:\/\/prudentwater.com\/en\/wp-json\/wp\/v2\/media?parent=3121"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}