货币金融学(第十三版)课件 英文第9章 银行业与金融机构管理.pptx

货币金融学(第十三版)课件 英文第9章 银行业与金融机构管理.pptx

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TheEconomicsofMoney,Banking,andFinancialMarketsThirteenthEditionChapter9BankingandtheManagementofFinancialInstitutionsCopyright?2022,2019,2016PearsonEducation,Inc.AllRightsReserved

PreviewThischapterexamineshowbanksattempttomaximizetheirprofits.Althoughthediscussionthatfollowsfocusesprimarilyoncommercialbanks,manyofthesameprinciplesapplytootherfinancialintermediariesaswell.

LearningObjectives(1of2)9.1Summarizethefeaturesofabankbalancesheet.9.2Applychangestoabank’sassetsandliabilitiesonaT-account.9.3Identifywaysinwhichbankscanmanagetheirassetsandliabilitiestomaximizeprofit.

LearningObjectives(2of2)9.4Listthewaysinwhichbanksdealwithcreditrisk.9.5Applygapanddurationanalysisandidentifyinterest-raterisk.9.6Examineoff-balancesheetactivities.

TheBankBalanceSheet(1of2)Liabilities:CheckabledepositsNontransactiondepositsBorrowingsBankcapital

TheBankBalanceSheet(2of2)Assets:ReservesCashitemsinprocessofcollectionDepositsatotherbanksSecuritiesLoansOtherassets

Table1BalanceSheetofAllCommercialBanks(ItemsasaPercentageoftheTotal,June2020)(1of2)Assets(UsesofFunds)*BlankLiabilities(SourcesofFunds)BlankReservesandcashitems15%Checkabledeposits14%SecuritiesBlankNontransactiondepositsBlankU.S.governmentandagency16Savingsdeposits52Stateandlocalgovernmentandothersecurities4Small-denominationtimedeposits2BlankBlankLarge-denominationtimedeposits9BlankBlankBorrowings10BlankBlankBankcapital13

Table1BalanceSheetofAllCommercialBanks(ItemsasaPercentageoftheTotal,June2020)(2of2)Assets(UsesofFunds)*BlankLiabilities(SourcesofFunds)BlankLoansBlankBlankBlankCommercialandindustrial14BlankBlankRealestate23BlankBlankConsumer7BlankBlankOther8BlankBlankOtherassets(forexample,physicalcapital)13BlankBlankTotal100Total100*Inorderofdecreasingliquidity.Source:FederalReserveBankofSt.Lo

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