By Benton E. Gup(auth.)
A sensible consultant to the evolving global of banking and monetary institutions
Due to numerous elements, starting from the worldwide monetary predicament that begun in 2007 to new legislation akin to the Dodd-Frank Wall highway Reform and buyer defense Act of 2010, banks and monetary associations have needed to adjust the best way they function. knowing how those associations functionality within the face of contemporary demanding situations is key for a person linked to them. that is why Professor Benton Gup has created Banking and fiscal Institutions.
Opening with an in depth dialogue of the motives of the new monetary hindrance, in addition to a glance at a few classes we will examine from it and different crises, this trustworthy source speedy strikes directly to placed smooth banking in standpoint. full of in-depth insights and specialist recommendation, Banking and monetary Institutions examines the basic elements of this self-discipline and indicates you what it takes to take advantage of expert judgements attainable, no matter if you are a financial institution director, investor, or borrower.
- Explains the industrial position of economic intermediaries, together with the monetary associations that carry debtors and savers together
- Addresses how banks can hedge a few of their rate of interest and credits hazards by utilizing a variety of different types of derivatives contracts, strategies, and futures
- Analyzes the method of industrial and commercial (C&I) lending, from how banks make loans and the kinds of C&I loans to the function of collateral
- Allows you to judge a bank's monetary statements and performance
- Explores funds structures, together with funds, assessments, charge cards, twine transfers, and different technique of payment
Rounding out this distinctive banking consultant is an informative bankruptcy on Islamic banking written by means of Professor Mohamed Ariff of Bond collage, in addition to a bankruptcy choked with guidance for financial institution administrators, debtors, and traders contributed via John Harrison, the Superintendent of Banks, Alabama country Banking Department.Content:
Chapter 1 classes realized from Banking Crises (pages 1–20):
Chapter 2 the commercial function of monetary Intermediaries (pages 21–40):
Chapter three The Evolving felony surroundings (pages 41–74):
Chapter four Asset/Liability administration (pages 75–93):
Chapter five Hedging and threat administration (pages 95–114):
Chapter 6 advertisement and business Loans (pages 115–147):
Chapter 7 actual property and client Lending (pages 149–187):
Chapter eight financial institution Capital: Capital Adequacy (pages 189–205):
Chapter nine comparing financial institution functionality (pages 207–228):
Chapter 10 funds structures (pages 229–243):
Chapter eleven different monetary companies (pages 245–254):
Chapter 12 A consultant to Islamic Banking (pages 255–278):
Chapter thirteen The View from the head: options from a Superintendent of Banks (pages 279–281):
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Extra info for Banking and Financial Institutions: A Guide for Directors, Investors, and Counterparties
Lesson 2: Diversification Is Good; High Loan Concentrations Are Bad for Banks Colonial Bank Bobby Lowder created Colonial Bank in 1981 by acquiring a failed community bank, Southland Bancorp. 47 The strategy was successful for many years. Colonial took advantage of the booming real estate markets in Florida, Georgia, and Nevada. 48 The Colonial BancGroup, headquartered in Montgomery, Alabama, had more than $26 billion in assets when it failed in 2009. 49 In June 2009, commercial real estate loans were about 595 percent of Colonial’s capital, and construction and development loans were 274 percent.
These bank holding companies are also ﬁnancial holding companies, and they are called large complex banking organizations (LCBOs). The following criteria are considered for inclusion as an LCBO:10 Total assets. Size of off-balance-sheet exposures. Activity in derivatives markets. Trading assets and trading revenue. Foreign assets and foreign deposits. Funding from market (nondeposit) sources. Securities borrowed and securities lent. Income from ﬁduciary activity. 37 The Economic Role of Financial Intermediaries Mutual fund sales and mutual fund fee income.
35 The Economic Role of Financial Intermediaries Financial intermediaries operate on a thin margin that is affected by the composition of their assets, liabilities, and interest rates. 5 percent on its assets. 5 percent difference between the return on assets and its cost of funds is called the net interest margin (NIM)—interest income less interest expense divided by total assets. At any given time, the level of interest rates is determined by the demand and supply of funds, which reﬂect the complex interactions within the economy.