Would you buy Mystery Bank A? It reports solid net interest margins of about 3 per cent. Costs are less than a third of income. It is also super-liquid, with loans equivalent to 61 per cent of deposits. (Non-performing loans, by the way, are just 1 per cent of the total.) Assets and returns on equity are each growing at more than 20 per cent a year. And here’s the real kicker: it has never been cheaper, at just over 7 times this year’s earnings.
你会购买这样一家银行的股票吗？它获益于3%左右的坚实的净息差，运营成本不到利润的三分之一。该行还拥有极好的流动性，放贷总额相当于存款总额的61%（不良贷款仅占1%）。资产和股本回报率每年都以超过20%的速度增长。而最让人心动的地方是：它的股价仅相当于今年利润的7倍多一些，空前便宜。
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