Part I - Overiew of the Banking Industry and Regulation 1.FUNDAMENTAL FORCES OF CHANGE IN BANKING The Fundamental Forces of Change Capital Requirements Increased Consolidation GE Capital Services:A Financial Conglomerate
2.BANK ORGANIZATION AND REGULATION Structure of the Banking Bank Charter Organizational Form of the Banking Industry Bank Regulation Trends in Federal Legislation and Regulation
Part II - Evaluationg Bank Performance 3.ANALYZING BANK PEREORMANCE:USING THE UBPR Commercial Bank Financial Statements The Relationship between the Balance Sheet and Income Statement The Return on Equity Model Banking Risks and Returns:The Profitability,Liquidity,and Solvency Trade-Off Maximizing the Market Value of Bank Equity Evaluating Bank Performance:An Application CAMELS Ratings Performance Characteristics of Different-sized Banks Financial Statement Manipulation
4.ALTERNATIVE MODELS OF BANK PERFORMANCE A Critique of Traditional GAAP-Based Performance Measures Line of Business Profitability Analysis Management of Market Risk Economic Value Added The Balanced Scorecard
5.MANAGING NONINTEREST INCOME AND NONINTEREST EXPENSE Common Financial Ratios of Expense Control and Noninterest Income Growth Customer Profitability and Business Mix Strategies to Manage Noninterest Expense
Part III - Managing Interest Rate Risk 6.PRICING FIXED-INCOME SECURITIES The Mathematics of Interest Rates The Relationship between Interest Rates and Option-Free Bond Prices Duration and Rrice Volatility Recent Innovations in the Valuation of Fixed-Income Money Market Yields
7.THE DETERMINANTS OF INTEREST RATES Deteminants of Interest Rate Levels Loanable Funds Theory Inflation and the Level of Interest Rates Interest Rates and the Business Cycle Why Do Interest Rates Differ between Securities? Term to Final Maturity Term to Repricing Variable Rate and Floating Rate Securities
8.MANAGING INTEREST RATE RISK:GAP AND EARNINGS SENSITIVITY Measuring Interest Rate Risk with GAP Traditional Static GAP Analysis Earnings Sensitivity Analysis
9.NANAGING INTEREST RATE RISK:DURATION GAP AND MARKET VALUE OF EQUITY Measuring Interest Rate Risk with Duration GAP Market Value of Equity Sensitivity Analysis Earnings Sensitivity Analysis versus MVE Sensitivity Analysis: A Critique of Strategies to Manage Earnings and Market
10.FINANCIAL FUTURES,FORWARD RATE AGREEMENTS,AND INTEREST RATE SWAPS Characteristics of financial Futures Speculation versus Hedging Microhedging Applications
11.OPTIONS,CAPS,FLOORS,AND MORE COMPLEX SWAPS The Natures of Options on Financial Futures Example Using Eurodollar Futures Profit Diagrams The Use of Options on Futures by Commercial Banks Interest Rate Caps,Floors,and Collars Interest Rate Swaps with Opitions
Part IV - Managing the Cost of Funds,Bank Capital,and Liquidity 12.MANAGING LIABILITIES AND THE COST OF FUNDS The Complsition of Bank Liabilites Characteristics of Small Denomination Liabilites Calculating the Net Cost of Transaction Accounts Characteristrics of Large Denomination Liabilites Measuring the Cost of Funds Marginal Cost Analysis:An Applicationg
13.THE EFFECTIVE USE OF CAPITAL Why Worry about Bank Capital? What Constitutes Bank Capital? What Is the Function of Bank Capital? How Much Capital Is Adequate? The Effect of Capital Requirements on Bank Operating Policies
14.LIQUIDITY PLANNING AND MANAGING CASH ASSETS The Relationship between Cash and Liauidity Requirements Objectives of Cash Management Reserve Balances at the Federal reserve Bank Metting Legal Reserve Requirements Managing Float
Part V - Extending Credit to Businesses and Individuals 15.OVERVIEW OF CREDIT POLICY AND LOAN CHARACTERISTICS Recent Trends in Loan Growth and Quality Trends in Competition for Loan Business The Credit Process Characteristiecs of Different Types of Loans
16.EVALUATING COMMERCIAL LOAN REQUESTS Fundamental Credit Issues Evaluating Credit Request:A Four-Part Process Credit analysis:An Application
17.EVALUATING CONSUMER LOANS Types of Consumer Loans Subprime Loans Consumer Credit Regulations Credit Analysis Recent Risk and Return Characteristrics of Consumer Loans
18.CUSTOMER PROFITABILITY ANALYSIS AND LOAN PRICING Account Analysis Framework Customer Profitability Analysis:An Applicationg to Commercial Accounts
Part VI - Managing the Investment Portfolio and Special Topics 19.THE INVESTMENT PORTFOLIO AND POLICY GUIDELINES Dealer Operations and the Securities Trading Account Objectives of the Investment Portfolio Composition fo the Investment portfolio The Risk Return Characteristics of Investment Securities Establishing Investment Policy Guidelines
20.ACTIVE INVESTMENT STRATEGIES The Maturity or Duration Choice for Long-Term Securities The Impact of Interest Rates on the Value of Securities with Embedded Options Comparative Yields on Taxable versus Tax-Exempt Securities The Impact of the Tax Reform Act of 1986
21.GLOBAL BANKING ACTIVITIES Global Banking Participants Universal Banking Model Organizational Structure of U.S. Banks International Lending
22.FINANCIAL INSTITUTION MERGERS AND ACQUISITIONS How Do Mergers Add Value? Valuation Procedures An Application Nonfinancial Considerations That Affect Mergers and Acquisitions
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课程大纲
1.FUNDAMENTAL FORCES OF CHANGE IN BANKING
The Fundamental Forces of Change
Capital Requirements
Increased Consolidation
GE Capital Services:A Financial Conglomerate
2.BANK ORGANIZATION AND REGULATION
Structure of the Banking Bank Charter
Organizational Form of the Banking Industry
Bank Regulation
Trends in Federal Legislation and Regulation
Part II - Evaluationg Bank Performance
3.ANALYZING BANK PEREORMANCE:USING THE UBPR
Commercial Bank Financial Statements
The Relationship between the Balance Sheet and Income Statement
The Return on Equity Model
Banking Risks and Returns:The Profitability,Liquidity,and Solvency Trade-Off
Maximizing the Market Value of Bank Equity
Evaluating Bank Performance:An Application
CAMELS Ratings
Performance Characteristics of Different-sized Banks
Financial Statement Manipulation
4.ALTERNATIVE MODELS OF BANK PERFORMANCE
A Critique of Traditional GAAP-Based Performance Measures
Line of Business Profitability Analysis
Management of Market Risk
Economic Value Added
The Balanced Scorecard
5.MANAGING NONINTEREST INCOME AND NONINTEREST EXPENSE
Common Financial Ratios of Expense Control and Noninterest Income Growth
Customer Profitability and Business Mix
Strategies to Manage Noninterest Expense
Part III - Managing Interest Rate Risk
6.PRICING FIXED-INCOME SECURITIES
The Mathematics of Interest Rates
The Relationship between Interest Rates and Option-Free Bond Prices
Duration and Rrice Volatility
Recent Innovations in the Valuation of Fixed-Income
Money Market Yields
7.THE DETERMINANTS OF INTEREST RATES
Deteminants of Interest Rate Levels
Loanable Funds Theory
Inflation and the Level of Interest Rates
Interest Rates and the Business Cycle
Why Do Interest Rates Differ between Securities?
Term to Final Maturity
Term to Repricing Variable Rate and Floating Rate Securities
8.MANAGING INTEREST RATE RISK:GAP AND EARNINGS SENSITIVITY
Measuring Interest Rate Risk with GAP
Traditional Static GAP Analysis
Earnings Sensitivity Analysis
9.NANAGING INTEREST RATE RISK:DURATION GAP AND MARKET VALUE OF EQUITY
Measuring Interest Rate Risk with Duration GAP
Market Value of Equity Sensitivity Analysis
Earnings Sensitivity Analysis versus MVE Sensitivity Analysis:
A Critique of Strategies to Manage Earnings and Market
10.FINANCIAL FUTURES,FORWARD RATE AGREEMENTS,AND INTEREST RATE SWAPS
Characteristics of financial Futures
Speculation versus Hedging
Microhedging Applications
11.OPTIONS,CAPS,FLOORS,AND MORE COMPLEX SWAPS
The Natures of Options on Financial Futures
Example Using Eurodollar Futures
Profit Diagrams
The Use of Options on Futures by Commercial Banks
Interest Rate Caps,Floors,and Collars
Interest Rate Swaps with Opitions
Part IV - Managing the Cost of Funds,Bank Capital,and Liquidity
12.MANAGING LIABILITIES AND THE COST OF FUNDS
The Complsition of Bank Liabilites
Characteristics of Small Denomination Liabilites
Calculating the Net Cost of Transaction Accounts
Characteristrics of Large Denomination Liabilites
Measuring the Cost of Funds
Marginal Cost Analysis:An Applicationg
13.THE EFFECTIVE USE OF CAPITAL
Why Worry about Bank Capital?
What Constitutes Bank Capital?
What Is the Function of Bank Capital?
How Much Capital Is Adequate?
The Effect of Capital Requirements on Bank Operating Policies
14.LIQUIDITY PLANNING AND MANAGING CASH ASSETS
The Relationship between Cash and Liauidity Requirements
Objectives of Cash Management
Reserve Balances at the Federal reserve Bank
Metting Legal Reserve Requirements
Managing Float
Part V - Extending Credit to Businesses and Individuals
15.OVERVIEW OF CREDIT POLICY AND LOAN CHARACTERISTICS
Recent Trends in Loan Growth and Quality
Trends in Competition for Loan Business
The Credit Process
Characteristiecs of Different Types of Loans
16.EVALUATING COMMERCIAL LOAN REQUESTS
Fundamental Credit Issues
Evaluating Credit Request:A Four-Part Process
Credit analysis:An Application
17.EVALUATING CONSUMER LOANS
Types of Consumer Loans
Subprime Loans
Consumer Credit Regulations
Credit Analysis
Recent Risk and Return Characteristrics of Consumer Loans
18.CUSTOMER PROFITABILITY ANALYSIS AND LOAN PRICING
Account Analysis Framework
Customer Profitability Analysis:An Applicationg to Commercial Accounts
Part VI - Managing the Investment Portfolio and Special Topics
19.THE INVESTMENT PORTFOLIO AND POLICY GUIDELINES
Dealer Operations and the Securities Trading Account
Objectives of the Investment Portfolio
Composition fo the Investment portfolio
The Risk Return Characteristics of Investment Securities
Establishing Investment Policy Guidelines
20.ACTIVE INVESTMENT STRATEGIES
The Maturity or Duration Choice for Long-Term Securities
The Impact of Interest Rates on the Value of Securities with Embedded Options
Comparative Yields on Taxable versus Tax-Exempt Securities
The Impact of the Tax Reform Act of 1986
21.GLOBAL BANKING ACTIVITIES
Global Banking Participants
Universal Banking Model
Organizational Structure of U.S. Banks
International Lending
22.FINANCIAL INSTITUTION MERGERS AND ACQUISITIONS
How Do Mergers Add Value?
Valuation Procedures
An Application
Nonfinancial Considerations That Affect Mergers and Acquisitions
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