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银行管理学（送教学课件）

作者：
Timothy W. Koch
定价：
35.00 元
版面字数：
1000千字
开本：
16开
装帧形式：
平装
版次：
1
最新版次
印刷时间：
1899年
ISBN：
978-7-04-016162-5
物料号：
16162-00
出版时间：
2004-12-17
读者对象：
高等教育
一级分类：
经济
二级分类：
金融学
三级分类：
金融学
暂无
  • 目录
    • 1 FUNDAMENTAL FORCES OF CHANGE IN BANKING
      • The Fundamental Forces of Change
        • Increased Competition
          • Competition for Deposits
            • Competition for Loans
              • Competition for Payment Services
                • Competition for Other Bank Services
                  • Deregulation and Reregulation
                    • Financial Innovation
                      • Globalization
                      • Capital Requirements
                        • Increased Consolidation
                          • Summary
                          • 2 ANALYZING BANK PERFORMANCE
                            • Commercial Bank Financial Statements
                              • The Balance Sheet
                                • The Income Statement
                                • The Relationship between the Balance Sheet and
                                  • Income Statement
                                  • The Return on Equity Model
                                    • The Uniform Bank Performance Report
                                      • Profitability Analysis
                                        • Expense Ratio and Asset Utilization
                                        • Banking Risks and Returns: The Profitability, Liquidity, and
                                          • Solvency Trade-Off
                                            • Credit Risk
                                              • Liquidity Risk
                                                • Market Risk
                                                  • Operating Risk
                                                    • Legal Reputation Risk
                                                      • Capital or Solvency Risk
                                                      • Maximizing the Market Value of Bank Equity
                                                        • Evaluating Bank Performance: An Application
                                                          • PNC's Profitability and Risk versus Peers in 2001
                                                            • PNC's Profitability versus Risk: 1993-2001
                                                            • CAMELS Ratings
                                                              • Performance Characteristics of Different-sized Banks
                                                                • Financial Statement Manipulation
                                                                  • Preferred Stock
                                                                    • Nonperforming Loans
                                                                      • Securities Gains and Losses
                                                                        • Nonrecurring Sales of Assets
                                                                        • Summary
                                                                        • 3 MANAGING NONINTEREST INCOME AND NONINTEREST EXPENSE
                                                                          • Common Financial Ratios of Expense Control and
                                                                            • Noninterest Income Growth
                                                                              • Noninterest Income
                                                                                • Noninterest Expense
                                                                                  • Key Ratios
                                                                                    • Operating Risk Ratio
                                                                                    • Customer Profitability and Business Mix
                                                                                      • Which Customers Are Profitable?
                                                                                        • What Is the Appropriate Business Mix?
                                                                                        • Strategies to Manage Noninterest Expense
                                                                                          • Cost Management Strategies
                                                                                          • Summary
                                                                                          • 4 MANAGING INTEREST RATE RISK: GAP AND EARNINGS SENSITIVITY
                                                                                            • Measuring Interest Rate Risk with GAP
                                                                                              • Traditional Static GAP Analysis
                                                                                                • What Determines Rate Sensitivity?
                                                                                                  • Factors Affecting Net Interest Income
                                                                                                    • Changes in the Level of Interest Rates
                                                                                                      • Changes in the Relationship between Short-Term Asset Yields and Liability Costs
                                                                                                        • Changes in Volume
                                                                                                          • Changes in Portfolio Composition
                                                                                                            • Rate, Volume, and Mix Analysis
                                                                                                              • Rate-Sensitivity Reports
                                                                                                                • Strengths and Weaknesses: Static GAP Analysis
                                                                                                                  • Link between GAP and Net Interest Margin
                                                                                                                  • Earnings Sensitivity Analysis
                                                                                                                    • Exercise of Embedded Options in Assets and Liabilities
                                                                                                                      • Different Interest Rates Change by Different Amounts at Different Times
                                                                                                                        • Earnings Sensitivity Analysis: An Example
                                                                                                                        • Income Statement GAP
                                                                                                                          • Managing the GAP and Earnings Sensitivity Risk
                                                                                                                            • Summary
                                                                                                                            • 5 MANAGING INTEREST RATE RISK: DURATION GAP AND MARKET VALUE OF EQUITY
                                                                                                                              • Measuring Interest Rate Risk with Duration GAP
                                                                                                                                • Duration, Modified Duration, and Effective Duration
                                                                                                                                  • Duration GAP Model
                                                                                                                                    • A Duration Application for Banks
                                                                                                                                      • An Immunized Portfolio
                                                                                                                                      • Market Value of Equity Sensitivity Analysis
                                                                                                                                        • MVE Sensitivity Analysis: An Example
                                                                                                                                        • Earnings Sensitivity Analysis versus MVE Sensitivity Analysis:
                                                                                                                                          • Which Model Is Better?
                                                                                                                                            • Strengths and Weaknesses: GAP and Earnings Sensitivity Analysis
                                                                                                                                            • Summary
                                                                                                                                            • 6 MANAGING LIABILITIES
                                                                                                                                              • The Composition of Bank Liabilities
                                                                                                                                                • Recent Trends for Large and Small Banks
                                                                                                                                                • Characteristics of Small Denomination Liabilities
                                                                                                                                                  • Transactions Accounts
                                                                                                                                                    • Electronic Money
                                                                                                                                                      • Service Charges
                                                                                                                                                      • Characteristics of Large Denomination Liabilities
                                                                                                                                                        • Jumbo CDs (CDs over 100,000)
                                                                                                                                                          • Immediately Available Funds
                                                                                                                                                            • Federal Funds Purchased
                                                                                                                                                              • Security Repurchase Agreements
                                                                                                                                                                • Foreign Office Deposits
                                                                                                                                                                  • Individual Retirement Accounts
                                                                                                                                                                    • Federal Home Loan Bank Advances
                                                                                                                                                                    • Funding Costs and Banking Risk
                                                                                                                                                                      • Funding Sources and Interest Rate Risk
                                                                                                                                                                        • Funding Sources and Liquidity Risk
                                                                                                                                                                          • Funding Sources and Credit Risk
                                                                                                                                                                            • Funding Sources and Bank Safety
                                                                                                                                                                            • Borrowing from the Federal Reserve
                                                                                                                                                                              • Federal Deposit Insurance
                                                                                                                                                                                • Depositor Protection and Handling Problem Institutions
                                                                                                                                                                                • Summary
                                                                                                                                                                                • 7 THE EFFECTIVE USE OF CAPITAL
                                                                                                                                                                                  • Why Worry about Bank Capital?
                                                                                                                                                                                    • Risk-Based Capital Standards
                                                                                                                                                                                      • The Basel Agreement
                                                                                                                                                                                        • Risk-Based Elements of the Plan
                                                                                                                                                                                        • What Constitutes Bank Capital?
                                                                                                                                                                                          • Fdiciaand Bank Capital Standards
                                                                                                                                                                                            • Tier 3 Capital Requirements for Market Risk
                                                                                                                                                                                              • Capital Requirements for Market Risk Using Internal Models
                                                                                                                                                                                                • The New Basel Capital Accord (Basel II) and Operational Risk
                                                                                                                                                                                                • What Is the Function of Bank Capital?
                                                                                                                                                                                                  • How Much Capital Is Adequate?
                                                                                                                                                                                                    • Weaknesses of the Risk-Based Capital Standards
                                                                                                                                                                                                    • The Effect of Capital Requirements on Bank Operating Policies
                                                                                                                                                                                                      • Limiting Asset Growth
                                                                                                                                                                                                        • Changing the Capital Mix
                                                                                                                                                                                                          • Changing Asset Composition
                                                                                                                                                                                                            • Pricing Policies
                                                                                                                                                                                                              • Shrinking the Bank
                                                                                                                                                                                                              • Characteristics of External Capital Sources
                                                                                                                                                                                                                • Subordinated Debt
                                                                                                                                                                                                                  • Common Stock
                                                                                                                                                                                                                    • Preferred Stock
                                                                                                                                                                                                                      • Trust Preferred Stock
                                                                                                                                                                                                                        • Leasing Arrangements
                                                                                                                                                                                                                        • Capital Planning
                                                                                                                                                                                                                          • Applications
                                                                                                                                                                                                                          • Summary
                                                                                                                                                                                                                          • 8 LIQUIDITY PLANNING AND MANAGING CASH ASSETS
                                                                                                                                                                                                                            • The Relationship between Cash and Liquidity Requirements
                                                                                                                                                                                                                              • Cash versus Liquid Assets
                                                                                                                                                                                                                              • Objectives of Cash Management
                                                                                                                                                                                                                                • Reserve Balances at the Federal Reserve Bank
                                                                                                                                                                                                                                  • Liquidity Planning over the Reserve Maintenance Period
                                                                                                                                                                                                                                  • Managing Float
                                                                                                                                                                                                                                    • The Payment System
                                                                                                                                                                                                                                      • Holds on Deposited Checks
                                                                                                                                                                                                                                        • Daylight Overdrafts
                                                                                                                                                                                                                                          • Pricing Federal Reserve Check-Clearing Services
                                                                                                                                                                                                                                          • Managing Correspondent Balances
                                                                                                                                                                                                                                            • Correspondent Banking Services
                                                                                                                                                                                                                                              • Payment for Services
                                                                                                                                                                                                                                                • Computing Balance Requirements
                                                                                                                                                                                                                                                • Liquidity Planning
                                                                                                                                                                                                                                                  • The Development of Liquidity Strategies
                                                                                                                                                                                                                                                    • Liquidity versus Profitability
                                                                                                                                                                                                                                                      • Liquidity, Credit, and Interest Rate Risk
                                                                                                                                                                                                                                                      • Traditional Measures of Liquidity
                                                                                                                                                                                                                                                        • Asset Liquidity Measures
                                                                                                                                                                                                                                                          • Liability Liquidity Measures
                                                                                                                                                                                                                                                            • Liquidity Analysis of PNC Bank and Community National Bank
                                                                                                                                                                                                                                                              • Liquidity Planning: Monthly Intervals
                                                                                                                                                                                                                                                                • Considerations in Selecting Liquidity Sources
                                                                                                                                                                                                                                                                • Summary
                                                                                                                                                                                                                                                                • 9 OVERVIEW OF CREDIT POLICY AND LOAN CHARACTERISTICS
                                                                                                                                                                                                                                                                  • Recent Trends in Loan Growth and Quality
                                                                                                                                                                                                                                                                    • Trends in Competition for Loan Business
                                                                                                                                                                                                                                                                      • The Credit Process
                                                                                                                                                                                                                                                                        • Business Development and Credit Analysis
                                                                                                                                                                                                                                                                          • Credit Execution and Administration
                                                                                                                                                                                                                                                                            • Credit Review
                                                                                                                                                                                                                                                                            • Characteristics of Different Types of Loans
                                                                                                                                                                                                                                                                              • Real Estate Loans
                                                                                                                                                                                                                                                                                • Commercial Loans
                                                                                                                                                                                                                                                                                  • Agriculture Loans
                                                                                                                                                                                                                                                                                    • Consumer Loans
                                                                                                                                                                                                                                                                                    • Summary
                                                                                                                                                                                                                                                                                    • 10 EVALUATING COMMERCIAL LOAN REQUESTS
                                                                                                                                                                                                                                                                                      • Fundamental Credit Issues
                                                                                                                                                                                                                                                                                        • Character of the Borrower and Quality of Data Provided
                                                                                                                                                                                                                                                                                          • Use of Loan Proceeds
                                                                                                                                                                                                                                                                                            • Loan Amount
                                                                                                                                                                                                                                                                                              • The Primary Source and Timing of Repayment
                                                                                                                                                                                                                                                                                                • Collateral
                                                                                                                                                                                                                                                                                                • Evaluating Credit Request: A Four-Part Process
                                                                                                                                                                                                                                                                                                  • Overview of Management, Operations, and the Firm's Industry
                                                                                                                                                                                                                                                                                                    • Common Size and Financial Ratio Analysis
                                                                                                                                                                                                                                                                                                      • Cash Flow Analysis
                                                                                                                                                                                                                                                                                                        • Application to Prism Industries
                                                                                                                                                                                                                                                                                                          • Financial Projections
                                                                                                                                                                                                                                                                                                            • Risk-Classification Scheme
                                                                                                                                                                                                                                                                                                            • Credit Analysis: An Application
                                                                                                                                                                                                                                                                                                              • Common Size and Financial Ratios Analysis: Wade's Office Furniture
                                                                                                                                                                                                                                                                                                                • Cash-Based Income Statement: Wade's Office Furniture
                                                                                                                                                                                                                                                                                                                  • Sensitivity Analysis
                                                                                                                                                                                                                                                                                                                    • Summary
                                                                                                                                                                                                                                                                                                                  • 11 EVALUATING CONSUMER LOANS
                                                                                                                                                                                                                                                                                                                    • Types of Consumer Loans
                                                                                                                                                                                                                                                                                                                      • Installment Loans
                                                                                                                                                                                                                                                                                                                        • Noninstallment Loans
                                                                                                                                                                                                                                                                                                                        • Subprime Loans
                                                                                                                                                                                                                                                                                                                          • Credit Analysis
                                                                                                                                                                                                                                                                                                                            • Policy Guidelines
                                                                                                                                                                                                                                                                                                                              • Acceptable Loans
                                                                                                                                                                                                                                                                                                                                • Evaluation Procedures: Judgmental and Credit Scoring
                                                                                                                                                                                                                                                                                                                                  • An Application: Credit Scoring a Consumer Loan
                                                                                                                                                                                                                                                                                                                                    • An Application: Indirect Lending
                                                                                                                                                                                                                                                                                                                                    • Recent Risk and Return Characteristics of Consumer Loans
                                                                                                                                                                                                                                                                                                                                      • Revenues from Consumer Loans
                                                                                                                                                                                                                                                                                                                                        • Consumer Loan Losses
                                                                                                                                                                                                                                                                                                                                          • Interest Rate and Liquidity Risk with Consumer Credit
                                                                                                                                                                                                                                                                                                                                          • Summary
                                                                                                                                                                                                                                                                                                                                          • 12 CUSTOMER PROFITABILITY ANALYSIS AND LONG PRICING
                                                                                                                                                                                                                                                                                                                                            • Account Analysis Framework
                                                                                                                                                                                                                                                                                                                                              • Expense Components
                                                                                                                                                                                                                                                                                                                                                • Target Profit
                                                                                                                                                                                                                                                                                                                                                  • Revenue Components
                                                                                                                                                                                                                                                                                                                                                  • Customer Profitability Analysis: An Application to
                                                                                                                                                                                                                                                                                                                                                    • Commercial Accounts
                                                                                                                                                                                                                                                                                                                                                    • Pricing New Commercial Loans
                                                                                                                                                                                                                                                                                                                                                      • Risk-Adjusted Returns on Loans
                                                                                                                                                                                                                                                                                                                                                        • Fixed Rates versus Floating Rates
                                                                                                                                                                                                                                                                                                                                                          • Base Rate Alternatives
                                                                                                                                                                                                                                                                                                                                                          • Customer Profitability Analysis: Consumer Installment Loans
                                                                                                                                                                                                                                                                                                                                                            • Summary
                                                                                                                                                                                                                                                                                                                                                            • 13 THE INVESTMENT PORTFOLIO AND POLICY GUIDELINES
                                                                                                                                                                                                                                                                                                                                                              • Dealer Operations and the Securities Trading Account
                                                                                                                                                                                                                                                                                                                                                                • Objectives of the Investment Portfolio
                                                                                                                                                                                                                                                                                                                                                                  • Accounting for Investment Securities
                                                                                                                                                                                                                                                                                                                                                                    • Safety or Preservation of Capital
                                                                                                                                                                                                                                                                                                                                                                      • Liquidity
                                                                                                                                                                                                                                                                                                                                                                        • Yield
                                                                                                                                                                                                                                                                                                                                                                          • Diversify Credit Risk
                                                                                                                                                                                                                                                                                                                                                                            • Help Manage Interest Rate Risk Exposure
                                                                                                                                                                                                                                                                                                                                                                              • Pledging Requirements
                                                                                                                                                                                                                                                                                                                                                                                • Trade-Offs between Objectives
                                                                                                                                                                                                                                                                                                                                                                                • Composition of the Investment Portfolio
                                                                                                                                                                                                                                                                                                                                                                                  • The Risk Return Characteristics of Investment Securities
                                                                                                                                                                                                                                                                                                                                                                                    • General Return Characteristics
                                                                                                                                                                                                                                                                                                                                                                                      • General Risk Characteristics
                                                                                                                                                                                                                                                                                                                                                                                        • Regulatory Guidelines
                                                                                                                                                                                                                                                                                                                                                                                        • Establishing Investment Policy Guidelines
                                                                                                                                                                                                                                                                                                                                                                                          • Return Objectives
                                                                                                                                                                                                                                                                                                                                                                                            • Portfolio Composition
                                                                                                                                                                                                                                                                                                                                                                                              • Liquidity Considerations
                                                                                                                                                                                                                                                                                                                                                                                                • Credit Risk Considerations
                                                                                                                                                                                                                                                                                                                                                                                                  • Interest Rate Risk Considerations
                                                                                                                                                                                                                                                                                                                                                                                                    • Total Return versus Current Income
                                                                                                                                                                                                                                                                                                                                                                                                    • General Portfolio Considerations
                                                                                                                                                                                                                                                                                                                                                                                                      • Optimum Size of the Loan Portfolio
                                                                                                                                                                                                                                                                                                                                                                                                        • Stability of Deposits
                                                                                                                                                                                                                                                                                                                                                                                                          • Optimal Federal Funds Position
                                                                                                                                                                                                                                                                                                                                                                                                            • Capital Requirements
                                                                                                                                                                                                                                                                                                                                                                                                            • Summary

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