商業(yè)銀行的經(jīng)營評價(英文版)-wenkub
2023-02-09 17:03:19 本頁面
【正文】 Salaries and fringe benefits paid to bank employees ? Occupancy expense : ? Rent and depreciation on equipment and premises ? Other operating expenses: ? Utilities and ? Deposit insurance premiums 26/69 Loanloss provisions (PLL) ? Represent management39。 ? 根據(jù)我國銀行業(yè)現(xiàn)狀，暫不對市場風險進行評級，但可以考察銀行資產(chǎn)價值與盈利水平受利率政策與外匯價格變化的影響，作為評價盈利性和資產(chǎn)質量的參考。s current and prospective sources of liquidity and funds management practices 50/69 流動性（ Liquidity） ? 定量指標（ 60分） ? 流動性比率（ 20分）： 35% ? 人民幣超額準備金比率（ 10分）： 5% ? 外幣備付金率（ 5分）： 5% ? 本外幣合并存貸款比例（ 10分）： 65%以下 ? 外幣存貸款比例（ 5分）： 70%以下 ? 凈拆借資金比率（ 10分）： 4%以下 ? 定性因素（ 40分） ? 資金來源的構成、變化趨勢和穩(wěn)定性（ 5分） ? 資產(chǎn)負債管理政策和資金的調配情況（ 5分） ? 銀行對流動性的管理情況（ 20分）：專門管理部門、需求預測、管理政策、日常管理 ? 銀行以主動負債形式滿足流動性需求的能力（ 5分） ? 管理層有效識別、監(jiān)測、和調控銀行頭寸的能力（ 5分） 51/69 敏感性（ Sensitivity） ? S: reflects the degree to which changes in interest rates, foreign exchange rates, modity prices, and equity prices can adversely affect earnings. 52/69 敏感性（ Sensitivity） ? 包括利率風險、外匯風險、股本風險和商品風險。 Loss allowance 8/69 PNC and CNB: Loan portfolio (2023) PNC CNB Real estate Commercial Individuals Agricultural 0 Domestic other International 0 Unearned ine 0 Loss allowance Total 9/69 Bank Assets: Investment securities ? Investment securities are held to ? earn interest, ? help meet liquidity needs ? speculate on interest rate movements ? serve as part of a bank’ s dealer functions. ? The administration and transaction costs are extremely low. 10/69 Bank Assets: Investment securities ? Shortterm investments ? Interestbearing bank balances (deposits due from other banks) ? federal funds sold ? securities purchased under agreement to resell (RPs) ? Treasury bills ? municipal tax warrants ? Longterm investment: notes and bonds ? Treasury securities ? Obligations of federal agencies ? Mortgagebacked, foreign, and corporate 11/69 Bank Assets: Noninterest cash and due from banks ? It consists of ? vault cash, ? deposits held at Federal Reserve Banks ? deposits held at other financial institutions ? cash items in the process of collection ? These assets are held to ? meet customer withdrawal needs ? meet legal reserve requirements ? assist in check clearing and wire transfers ? effect the purchase and sale of Treasury securities 12/69 Bank Assets: Other assets ? Other assets are residual assets of relatively small magnitudes such as ? bankers acceptances ? premises and equipment ? other real estate owned and other smaller amounts 13/69 Bank Liabilities ? The characteristics of various debt instruments differ in terms of ? checkwriting capabilities ? interest paid ? maturity ? whether they carry FDIC insurance ? whether they can be traded in the secondary market. 14/69 Bank liabilities: Deposits ? Demand deposits ? transactions accounts that pay no interest ? Negotiable orders of withdrawal (NOWs) and automatic transfers from savings (ATS) accounts ? pay interest set by each bank without federal restrictions ? Money market deposit accounts (MMDAs) ? pay market rates, but a customer is limited to no more than six checks or automatic transfers each month 15/69 Bank liabilities: Deposits ? Two general time deposits categories exist: ? Time deposits in excess of $100,000, labeled jumbo certificates of deposit (CDs). ? Small CDs, considered core deposits which tend to be stable deposits that are typically not withdrawn over short periods of time. ? Deposits held in foreign offices ? balances issued by a bank subsidiary located outside the . 16/69 Core doposits ? Core deposits are stable de
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