《银行管理》课件chaPPT课件

. 6
P 425
Comparisons between different-sized banks reveal key differences in operating style. First, ………… In addition, ………… Finally, ………….
. 7
Contents
. 5
P 423
Generally speaking, small banks relied proportionally more on core deposits and equity compared to the larger banks. Large banks, in turn, relied proportionally more on volatile funds obtaining more than twice the proportional share of funding from this source versus small banks.
P 422—
Thus, the composition and maturity / duration of each bank’s liabilities are important determinants of the interest cost and liquidity and interest rate risk associated with performance.
. 3
P 423
Today, virtually all bank liabilities are free of regulatory restrictions on allowable rates, maturities, and minimum denominations. Price competition is the dominant consideration in attracting new funds.
Transaction accounts usually pay relatively low explicit interest rates but have higher noninterest processing costs. Other accounts offer limited check writing capabilities but pay higher rates.
(P422 — 426) (P426) (P427 — 433) (P433 — 435) (P435 — 442) (P442) (P443 — 451) (P451 — 452) (P452 — 455) (P455 — 456) (P456 — 458)
. 2
§1 The Composition of Bank Liabilities
. 4
P 423
Perhaps the most difficult problem facing bank management is how to develop strategies to compete for funding sources. With no interest rate ceilings on deposits or restrictions on maturities, banks can offer any deposit product that customers demand. Although this freedom creates market opportunities, it also presents significant problems. ①②
Chapter 12
Managing liabilities and the cost of funds
P 421 — 462
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1Contents Nhomakorabea♘ The Composition of Bank Liabilities ♞ Characteristics of Small Denomination Liabilities ♘ Transactions accounts ♞ Calculating the Net Cost of Transaction Accounts ♘ Characteristics of Large Denomination Liabilities ♞ Measuring the Cost of Funds ♘ Evaluating the Cost of Bank Funds ♞ Marginal Cost Analysis: an Application ♘ Funding Costs and Banking Risk ♞ Borrowing From the Federal Reserve ♘ Federal Deposit Insurance
♘ The Composition of Bank Liabilities ♞ Characteristics of Small Denomination Liabilities ♘ Transactions accounts ♞ Calculating the Net Cost of Transaction Accounts ♘ Characteristics of Large Denomination Liabilities ♞ Measuring the Cost of Funds ♘ Evaluating the Cost of Bank Funds ♞ Marginal Cost Analysis: an Application ♘ Funding Costs and Banking Risk ♞ Borrowing From the Federal Reserve ♘ Federal Deposit Insurance
(P422 — 426) (P426) (P427 — 433) (P433 — 435) (P435 — 442) (P442) (P443 — 451) (P451 — 452) (P452 — 455) (P455 — 456) (P456 — 458)