正文內(nèi)容

商業(yè)銀行經(jīng)營評價英文版(文件)

2026-01-31 23:06 上一頁面

下一頁面

　

【正文】 paid ? maturity ? whether they carry FDIC insurance ? whether they can be traded in the secondary market. 14/69 Bank liabilities: Deposits ? Demand deposits ? transactions accounts that pay no interest ? Negotiable orders of withdrawal (NOWs) and automatic transfers from savings (ATS) accounts ? pay interest set by each bank without federal restrictions ? Money market deposit accounts (MMDAs) ? pay market rates, but a customer is limited to no more than six checks or automatic transfers each month 15/69 Bank liabilities: Deposits ? Two general time deposits categories exist: ? Time deposits in excess of $100,000, labeled jumbo certificates of deposit (CDs). ? Small CDs, considered core deposits which tend to be stable deposits that are typically not withdrawn over short periods of time. ? Deposits held in foreign offices ? balances issued by a bank subsidiary located outside the . 16/69 Core doposits ? Core deposits are stable deposits that are not highly interest ratesensitive. ? Core deposits are more sensitive to the fees charged, services rendered, and location of the bank. ? Core deposits include: demand deposits, NOW accounts, MMDAs, and small time deposits. 17/69 Borrowings (volatile funds) ? Large, or volatile, borrowings are liabilities that are highly ratesensitive. ? Normally issued in uninsured denominations. ? Their ability to borrow is sensitive to the markets perception of their asset quality. ? Volatile liabilities or noncore liabilities include: ? large CDs (over 100,000) ? deposits in foreign offices ? federal funds purchased ? repurchase agreements ? other borrowings with maturities less than one year 18/69 Capital: Subordinated notes and debentures ? Notes and bonds with maturities in excess of one year. ? Longterm uninsured debt. ? Most meet requirements as bank capital for regulatory purposes. ? Unlike deposits, the debt is not federally insured and claims of bondholders are subordinated to claims of depositors. 19/69 Capital: Stockholders39。 Unearned ine。s estimate of potential lost revenue from bad loans. ? It is subtracted from interest ine in recognition that some of the reported interest ine overstates what will actually be received when some of the loans go into default. ? Chargeoffs indicate loans that a bank formally recognizes as uncollectable and chargesoff against the loss reserve. 27/69 Loanloss provisions (PLL) The reserve’s maximum size is determined by tax. Provisions for loan losses Reserve for Loan Losses Recoveries Charge offs Tax Law 28/69 Ine statement: PNC CNB, 2023 + Interest ine (II) 72% 92% Interest expense (IE) 38% 27% = Net interest Ine (NII) + Noninterest ine (OI) 27% 8% Noninterest expense (OE) 35% 46% Loanloss provisions (PLL) % % = Operating ine before securities transactions and taxes +() Realized gains or losses % 0% = Pretax operating ine Taxes % % = Net ine % % 29/69 Realized securities gains (or losses) ? They arise when a bank sells securities from its investment portfolio at prices above (or below) the initial or amort

點擊復制文檔內(nèi)容

教學課件相關推薦

商業(yè)銀行經(jīng)營管理概述-資料下載頁

【摘要】商業(yè)銀行經(jīng)營管理研究2023Spring1課程內(nèi)容?商業(yè)銀行經(jīng)營管理概述?商業(yè)銀行監(jiān)管及挑戰(zhàn)?銀行績效評估?商業(yè)銀行信貸管理及流程?企業(yè)信貸管理?個人信貸管理?信用卡貸款管理?房地產(chǎn)貸款管理?信用風險定量分析?BASEL協(xié)議?風險管理與控制?商業(yè)銀行資本管理?商業(yè)銀行表外業(yè)

2026-01-14 20:15

商業(yè)銀行經(jīng)營管理架構-資料下載頁

【摘要】商業(yè)銀行經(jīng)營管理架構郁洪良?商業(yè)銀行的經(jīng)營管理的目標和原則?銀行經(jīng)營管理的頂層設計：經(jīng)營發(fā)展戰(zhàn)略規(guī)劃?全面風險管理架構?績效管理和風險管理統(tǒng)一：風險調(diào)整資本回報率（RAROC）商業(yè)銀行的經(jīng)營管理的目標和原則在對資金來源和資產(chǎn)規(guī)模及各種資產(chǎn)的風險、收益、流動性進行全面預測和權衡的基礎上，首先考慮安全性，在保證安全性的前提下，圍繞流動性加強銀行的經(jīng)

2026-01-13 23:02

商業(yè)銀行經(jīng)營評價英文版(文件)

商業(yè)銀行經(jīng)營管理概述-資料下載頁

商業(yè)銀行經(jīng)營管理架構-資料下載頁

商業(yè)銀行經(jīng)營管理內(nèi)容-資料下載頁

商業(yè)銀行經(jīng)營學11(new)-資料下載頁

商業(yè)銀行經(jīng)營管理原則-資料下載頁

商業(yè)銀行經(jīng)營管理實務-資料下載頁

某商業(yè)銀行經(jīng)營管理-資料下載頁

商業(yè)銀行經(jīng)營學1-資料下載頁

商業(yè)銀行經(jīng)營管理框架-資料下載頁

商業(yè)銀行經(jīng)營與管理教材-資料下載頁

戴國強商業(yè)銀行經(jīng)營學-資料下載頁

商業(yè)銀行經(jīng)營管理綜述-資料下載頁

商業(yè)銀行經(jīng)營管理教材-資料下載頁

商業(yè)銀行經(jīng)營學13-資料下載頁

商業(yè)銀行經(jīng)營管理特點-資料下載頁

商業(yè)銀行經(jīng)營評價英文版(更新版)

商業(yè)銀行經(jīng)營評價英文版(專業(yè)版)

商業(yè)銀行經(jīng)營評價英文版(留存版)

商業(yè)銀行經(jīng)營評價英文版-文庫吧