(eBook PDF) Bank Management 8th Edition – Digital Ebook – Instant Delivery Download
Product Details:
- ISBN-10 : 1133494684
- ISBN-13 : 978-1133494683
- Author: Timothy W. Koch (Author), S. Scott MacDonald (Author)
Closely examine the impact of today’s changing, competitive environment on commercial banks and banking services, as well as the entire financial services industry, with Koch/MacDonald’s BANK MANAGEMENT, 8E. This new edition reflects the latest changes and developments, from complete regulatory updates to details of the many programs evolving amidst today’s financial crises. The book’s unique approach to understanding bank management focuses on decision-making in today’s financial world. Whether you are a practicing or future professional, the book clearly demonstrates how certain factors influence credit, investment, funding, and pricing decisions. The book’s solid framework provides an appreciation and understanding of the trade-offs between return and risk. You gain a better understanding of the most important issues confronting financial and banking managers today as the book discusses basic financial models used to formulate decisions and analyzes the strengths and weaknesses of data analysis. With the help of this latest edition, you develop the logical thought processes needed to achieve strong financial and management results.
Table of Content:
Ch 1: Banking and the Financial Services Industry
Global Financial Crisis of 2007-2009
How Do Banks Differ?
Organizational Structure
Financial Services Business Models
Too Big to Fail Banks
Different Channels for Delivering Banking Services
Summary
Questions
Activities
References
Ch 2: Government Policies and Regulation
Historical Bank Regulation
Goals and Functions of Depository Institution Regulation
Ensure Safety and Soundness and Provide an Efficient and Competitive System
New Charters
Shortcomings of Restrictive Bank Regulation
Maintaining Monetary Stability and the Integrity of the Payments System
Efficient and Competitive Financial System
Too Big to Fail
Summary
Questions
Activities
References
Ch 3: Analyzing Bank Performance
Commercial Bank Financial Statements
The Relationship between the Balance Sheet and Income Statement
The Return on Equity Model
Managing Risk and Returns
Financial Statement Manipulation
Summary
Questions
Problems
References
Appendix
Ch 4: Managing Noninterest Income and Noninterest Expense
Noninterest Income
Noninterest Expense
Which Lines of Business and Customers are Profitable?
Summary
Questions
Activity
References
Ch 5: The Performance of Nontraditional Banking Companies
The Disappearance of Large Investment Banks
Goldman Sachs Group, Inc. and Goldman Sachs Bank USA
The Financial Performance of Mutual of Omaha Bank
The Financial Performance of BMW Financial Services and BMW Bank of North America
Summary
Questions
Activities
References
Ch 6: Pricing Fixed-Income Securities
The Mathematics of Interest Rates
Simple versus Compound Interest
The Relationship between Interest Rates and Option-Free Bond Prices
Duration and Price Volatility
Recent Innovations in the Valuation of Fixed-Income Securities and Total Return Analysis
Money Market Yields
Summary
Questions
Activities
References
Ch 7: Managing Interest Rate Risk: GAP and Earnings Sensitivity
Measuring Interest Rate Risk with GAP
Earnings Sensitivity Analysis
Income Statement GAP
Managing the GAP and Earnings Sensitivity Risk
Summary
Questions
Activities
References
Ch 8: Managing Interest Rate Risk: Economic Value of Equity
Measuring Interest Rate Risk with Duration Gap
Economic Value of Equity Sensitivity Analysis
Earnings Sensitivity Analysis versus EVE Sensitivity Analysis: Which Model is Better?
A Critique of Strategies for Managing Earnings and Economic Value of Equity Sensitivity
Yield Curve Strategies
Summary
Questions
Activity
References
Ch 9: Using Derivatives to Manage Interest Rate Risk
Characteristics of Financial Futures
Speculation versus Hedging
Microhedging Applications
Macrohedging Applications
Using Forward Rate Agreements to Manage Rate Risk
Basic Interest Rate Swaps as a Risk Management Tool
Interest Rate Caps and Floors
Summary
Questions
Activities
References
Ch 10: Funding the Bank
The Relationship between Liquidity Requirements, Cash, and Funding Sources
Characteristics of Retail-Type Deposits
Characteristics of Large Wholesale Liabilities
Electronic Money
Check 21
Measuring the Cost of Funds
The Average Historical Cost of Funds
Funding Sources and Banking Risks
Summary
Questions
Problems
References
Ch 11: Managing Liquidity
Meeting Liquidity Needs
Reserve Balances at the Federal Reserve Bank
Required Reserves and Monetary Policy
Meeting Legal Reserve Requirements
Liquidity Planning
Traditional Aggregate Measures of Liquidity Risk
Basel III and the Liquidity Coverage Ratio
Longer-Term Liquidity Planning
Contingency Funding Plans
Summary
Questions
Activity
References
Ch 12: The Effective Use of Capital
Why Worry about Bank Capital?
Risk-Based Capital Standards
What Constitutes Bank Capital?
Tangible Common Equity
What is the Function of Bank Capital?
How Much Capital is Adequate?
The Effect of Capital Requirements on Bank Operating Policies
Characteristics of External Capital Sources
Contingent Convertible Capital
Capital Planning
Depository Institution Capital Standards
Changes to Capital Standards under Basel III
Summary
Questions
Problems
References
Ch 13: Overview of Credit Policy and Loan Characteristics
Recent Trends in Loan Growth and Quality
Measuring Aggregate Asset Quality
The Credit Process
Characteristics of Different Types of Loans
Summary
Questions
Problems
Activity
References
Ch 14: Evaluating Commercial Loan Requests and Managing Credit Risk
Fundamental Credit Issues
Evaluating Credit Requests: A Four-Part Process
Credit Analysis Application: Wade’s Office Furniture
Managing Risk with Loan Sales and Credit Derivatives
Summary
Questions
Problems
References
Appendix I: Calculation of Financial Ratios
Appendix II: Background Information for Financial Analysis
Appendix III
Ch 15: Evaluating Consumer Loans
Types of Consumer Loans
Consumer Credit Regulations
Credit Analysis
Recent Risk and Return Characteristics of Consumer Loans
Summary
Questions
Problems
Activities
References
Ch 16: Managing the Investment Portfolio
Dealer Operations and the Securities Trading Account
Dodd-Frank Act Provisions Affecting Bank Investments
Objectives of the Investment Portfolio
Composition of the Investment Portfolio
Characteristics of Taxable Securities
Prepayment Risk on Mortgage-Backed Securities
Characteristics of Municipal Securities
Establishing Investment Policy Guidelines
What are Suitable Investment Securities?
Active Investment Strategies
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
Strategies Underlying Security Swaps
Summary
Questions
Problems
Activity
References
Ch 17: Global Banking Activities
U.S. Depository Institutions in the World Market
Impact of the Credit Crisis of 2007-2008
The European Community
Universal Banking Model
Organizational Structure of U.S. Banks with Foreign Operations
International Financial Markets
International Lending
Foreign Exchange Activities
Summary
Questions
References
Glossary
Index
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