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Lecture Financial institutions, instruments and markets (6/e): Chapter 2 - Christopher Viney

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Chapter 2 - Commercial banks, in this chapter, the learning objectives are: Evaluate the functions and activities of commercial banks, identify the main sources and uses of funds for commercial banks, outline the nature and importance of banks’ off-balance-sheet business,...

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Chapter 2 Commercial Banks Websites: www.apra.gov.au www.asic.gov.au www.accc.gov.au www.rbnz.govt.nz www.anz.com.au www.commbank.com.au www.nab.com.au www.westpac.com.au Copyright ª 2009 McGraw­Hill Australia Pty Ltd 2­ 1 Learning Objectives • Evaluate the functions and activities of commercial banks • Identify the main sources and uses of funds for commercial banks • Outline the nature and importance of banks’ off-balance-sheet business • Examine the main risk exposures and consider related issues of regulation and prudential supervision of banks Copyright 2009 McGraw-Hill Australia Pty Ltd PPTs t/a Financial Institutions, Instruments and Markets 6e by Viney Slides prepared by Anthony Stanger 2-2 Chapter Organisation 2.1 MainActivities of Commercial Banking 2.2 Sources of Funds 2.3 Uses of Funds 2.4 Off-balance-sheet Business 2.5 Regulation and Prudential Supervision 2.6 Background to Capital Adequacy Standards 2.7 Basel II CapitalAccord 2.8 Liquidity Management and Other Supervisory Controls 2.9 Summary Copyright 2009 McGraw-Hill Australia Pty Ltd PPTs t/a Financial Institutions, Instruments and Markets 6e by Viney Slides prepared by Anthony Stanger 2-3 2.1 Main Activities of Commercial Banking • Importance of banks – High level of regulation prior to the mid-1980s constrained their development and led to growth of non-bank financial institutions – Largest share of assets of all institutions, but understated without considering off-balance-sheet transactions, managed funds, superannuation and subsidiary finance, insurance and companies Copyright 2009 McGraw-Hill Australia Pty Ltd PPTs t/a Financial Institutions, Instruments and Markets 6e by Viney Slides prepared by Anthony Stanger 2-4 2.1 Main Activities of Commercial Banking (cont.) • Asset management (−1980s) – Loans portfolio is tailored to match the available deposit base • Liability management (1980s−) – Deposit base and other funding sources are managed to meet loan demand Borrow directly from domestic and international capital markets Provision of other financial services Off-balance-sheet (OBS) business Copyright 2009 McGraw-Hill Australia Pty Ltd PPTs t/a Financial Institutions, Instruments and Markets 6e by Viney Slides prepared by Anthony Stanger 2-5 ... - tailieumienphi.vn 1084977

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