Aum has two components on book and off book, in book 100 percent is on balance sheet and off book about 20 percent. So roa is calculated on 100 percent in book + 20 percent off book aum… that is my understanding…. Sad to them trimming their 2025 guidances… even after having so much capital… they aim increase their roe to 18 percent this year so i think now profitability is top priority
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