商業銀行經營評價(ppt 68)(文件)

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【正文】 easury securities11/69Bank Assets: Other assets n Other assets are residual assets of relatively small magnitudes such asn bankers acceptances n premises and equipmentn other real estate owned and other smaller amounts12/69Bank Liabilitiesn The characteristics of various debt instruments differ in terms of n checkwriting capabilities n interest paidn maturityn whether they carry FDIC insurancen whether they can be traded in the secondary market. 13/69Bank liabilities: Depositsn Demand deposits n transactions accounts that pay no interestn Negotiable orders of withdrawal (NOWs) and automatic transfers from savings (ATS) accounts n pay interest set by each bank without federal restrictionsn Money market deposit accounts (MMDAs) n pay market rates, but a customer is limited to no more than six checks or automatic transfers each month14/69Bank liabilities: Depositsn Two general time deposits categories exist:n Time deposits in excess of $100,000, labeled jumbo certificates of deposit (CDs).n Small CDs, considered core deposits which tend to be stable deposits that are typically not withdrawn over short periods of time.n Deposits held in foreign offices n balances issued by a bank subsidiary located outside the .15/69Core dopositsn Core deposits are stable deposits that are not highly interest ratesensitive. n Core deposits are more sensitive to the fees charged, services rendered, and location of the bank. n Core deposits include: demand deposits, NOW accounts, MMDAs, and small time deposits.16/69Borrowings (volatile funds)n Large, or volatile, borrowings are liabilities that are highly ratesensitive.n Normally issued in uninsured denominations.n Their ability to borrow is sensitive to the markets perception of their asset quality. n Volatile liabilities or noncore liabilities include: n large CDs (over 100,000)n deposits in foreign officesn federal funds purchased n repurchase agreementsn other borrowings with maturities less than one year17/69Capital: Subordinated notes and debenturesn Notes and bonds with maturities in excess of one year. n Longterm uninsured debt.n Most meet requirements as bank capital for regulatory purposes. n Unlike deposits, the debt is not federally insured and claims of bondholders are subordinated to claims of depositors. 18/69Capital: Stockholders39。 Unearned ine。s estimate of potential lost revenue from ba

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