| 摘要 |
<p>A method for optimizing the return on a bank's capital comprises the creation of a plurality of arrays, comprising a passiva product array, an activa product array, a distribution array and a result array. Passiva products are categories of funds on deposit at the bank; activa products are categories of loans made by the bank. Banking laws and principles of prudent management limit the percentage of funds from a given passiva product which may be applied to a particular activa product. The invention comprises the steps of setting up the arrays (110), selecting the highest interest activa product (112, 114), selecting as much of each passiva product as possible to be invested in this activa product (116 through 128), and repeating these steps (130, 118) until all funds from passiva products have been allocated to activa products (132).</p> |
