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Dear alanroll,

Depending on how much time you have, you may wish to look at the Fool's banking study, starting at

IMHO this would be a hard comparison to make. Citigroup is the merger between an insurance company and a bank, and as such looks different than a normal banking company. Schwab is a major broker, so perhaps the metrics may be a bit more useful. My guess is that for Schwab, the equivalent of COGS would be all non-interest expenses except "compensation and benefits" and "advertising and market development" (these seem to me to be operating expenses).

For banks there are some metrics at Click on "bank" or "BHC" (bank holding company), type in the name of the bank you wish to analyze. It compares with a bunch of metrics your bank to a peer group and gives you what percentile it is in (e.g. 60% means better than 60% of banks in peer group in this metric).

Lleweilun Smith
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