货币金融学课件：chap06 banking
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Copyright © 2010 Pearson Addison-Wesley. All rights reserved.
10-6
Deposits
2. Non-transaction Deposits Savings account Time deposits
Small-denomination time deposits(<$100,000)
• Borrowings from other bank and financial institutions
• Repurchase agreements
• Borrowing of Eurodollars
Copyright © 2010 Pearson Addison-Wesley. All rights reserved.
Copyright © 2010 Pearson Addison-Wesley. All rights reserved.
Interbusiness
OBSA in a narrow scence
10-2
Table 1 Balance Sheet of All Commercial Banks (items as a percentage of the total, December 2008)
demand deposits interest-bearing checking accounts:
NOW (negotiable orders of withdrawal ) ATS (automatic transfers from savings) MMDAs (money market deposit accounts)
• Assets
– Reserves – Cash items in process of collection – Deposits at other banks – Securities – Loans – Other assets
Copyright © 2010 Pearson Addison-Wesley. All rights reserved.
• Opening of a checking account leads to an increase in the bank’s reserves equal to the increase in checkable deposits
Copyright © 2010 Pearson Addison-Wesley. All rights reserved.
Copyright © 2010 Pearson Addison-Wesley. All rights reserved.
10-5
Deposits
1.Checkable Deposits (Transaction Deposits ) no-interest-bearing checking accounts:
10-8
Assets (uses of funds)
Cash items
Other assets
loan
securities
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10-9
The Bank Balance Sheet
10-10
Basic Banking: Cash Deposit
First National Bank
Assets
Liabilities
Vault +$100 Cash
Checkable deposits
+$100
First National Bank
Assets
Liabilities
Reserves +$100 Checkable +$100 deposits
large-denomination time deposits(≥ $100,000)
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10-7
Borrowings • Borrowings from The Central Bank
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10-4
Bank Capital
• stock (common stock and preferred stock) • Surplus • Undivided profits (retained earnings) • Reserves • Debentures
10-11
Basic Banking: Check Deposit
First National Bank
பைடு நூலகம்
Assets
Cash items in +$100 process of collection
Liabilities
Checkable +$100 deposits
When a bank receives additional deposits, it gains an equal amount of reserves; when it loses deposits, it loses an equal amount of reserves
Chapter 6 Banking
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Banking
balance sheet business
Off-balance sheet activities (OBSA)
Asset
Liability
Copyright © 2010 Pearson Addison-Wesley. All rights reserved.
10-3
The Bank Balance Sheet
• Liabilities
– Checkable deposits – Non-transaction deposits – Borrowings – Bank capital