COST/INCOME RATIO is total expenses divided by the sum of total income.
YTM see YIELD TO MATURITY.
INTEGRATED FINANCIAL MODEL is normally a spreadsheet based financial model that integrates all projected revenues and costs from all activity into financial performance pro-forma projections over time. Dependent upon the complexity of the model, the output can be at a very high level (non-complex) to highly granular output (higher degree of complexity).
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