另一位则说成本收益比不够高，”洛托说。

The other said it wasn’t high enough cost-to-benefit ratio, ” Lotto said.

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管理层成功地将银行核心业务由批发转向高利润率的结构性衍生产品，同时提高了单位成本收益比。

And the management has proved successful in changing the focus of its wholesale business towards higher-margin structured and derivative products, while improving the unit's cost-income ratio.

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物归原主的成本是“很高的”，他说，比从回收公司获得的收益高得多。

The cost of returning items to owners is "significant," he says, much more than the income received from the salvage company.

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