{
    "id": "BANK-07",
    "category": "BANK",
    "category_name": "銀行股",
    "title": "銀行效率比率與非利息收入",
    "question": "銀行效率比率與非利息收入",
    "chart": "multi",
    "metric": "銀行效率比率與非利息收入",
    "secondary": "多面板",
    "x": "觀察期／樣本",
    "y": "示例數值",
    "panels": [
        "銀行效率比率與非利息收入",
        "多面板",
        "資料明細"
    ],
    "filters": [
        "標的／市場",
        "分析區間",
        "基準／參數"
    ],
    "apis": [
        "PRAAMS_BOND",
        "PRAAMS_BANK"
    ],
    "calculation": "直接展示已提供 efficiency_ratio，按已確認的比率尺度顯示；同期間並列淨利息與非利息收入。",
    "caveat": "PRAAMS efficiency_ratio 與各銀行自定義成本收入比可能不同，先核對定義與百分比尺度；不再用 FUND.totalOperatingExpenses/totalRevenue 代替。OpenAPI periods 範例不承諾每個比率都有歷史值。",
    "inputs": "PRAAMS.bank.income_statement.efficiency_ratio\nPRAAMS.bank.income_statement.net_interest_income\nPRAAMS.bank.income_statement.non_interest_income",
    "extra_inputs": "依左側必要欄位與限制核實",
    "data_class": "直接（另購 PRAAMS）",
    "complexity": "核實另購／展示權",
    "rank": 7,
    "stage": "P1",
    "collection": "product",
    "source_urls": [
        "https://eodhistoricaldata.github.io/EODHD-openapi/redoc.html",
        "https://eodhd.com/marketplace/praams/bank"
    ],
    "requires_user_input": false,
    "requires_extra_plan": true,
    "cadence": "示例資料",
    "sample_labels": [
        "2019",
        "2020",
        "2021",
        "2022",
        "2023",
        "2024"
    ],
    "sample_annotation": {
        "sample": true,
        "as_of": "2026-10-16",
        "notice": "Charts and tables for this report are generated, deterministic synthetic sample observations for educational layout and unit demonstration only. No provider, market data or analysis engine is called, and nothing here is a statement about real securities.",
        "notice_zh": "此報告的圖表與數據為確定性生成的合成示例數據，僅供教育及版面展示；並無連接任何資料供應商或實際分析引擎，不代表任何真實證券的表現。",
        "default_filters": {
            "symbol": "0700.HK",
            "period": "1Y",
            "benchmark": "HSI"
        },
        "filters": {
            "symbol": [
                "0700.HK",
                "0005.HK",
                "AAPL.US",
                "MSFT.US",
                "SPY.US",
                "BTC-USD.CC"
            ],
            "period": [
                "1Y",
                "3Y",
                "5Y"
            ],
            "benchmark": [
                "HSI",
                "SPX",
                "BTC"
            ]
        },
        "library": {
            "version": "2026-10-19",
            "source": "https://chatgpt.com/share/6ad67223-c610-83e8-adb2-33aaf792e584",
            "sample": true
        }
    }
}