資本市場(chǎng)和金融機(jī)構(gòu)(5)-文庫(kù)吧在線文庫(kù)
【正文】 108 37% B of NS South America, . 139 47% TD Canada Trust . 99 32% Royal Bank Europe, Asia 189 48% National Bank No significant international presence 15 20% (Source: OSFI, Money, Banking and Financial Markets, Miskin, Serletis, 2021, 2nd Cdn edition) 10 3. Balance Sheet (See Table 13, Aug 1999) Total Assets (uses of funds) = Total liabilities + capital (both prise the sources of bank funds) Liabilities: Main sources of funds (Updated figures Oct 2021) a) deposits (67% of bank liabilities) ? 66% (Oct 2021) b) borrowing (27%) ? 29% c) equity (5%) ? 5% Assets: Main uses of funds a) Loans (60%) ? 56% b) Securities (21%) ? 25% c) Cash resources (%) ? 5% Exposure: Loan default (Default risk) amp。 Less capital adequacy requirements by regulators. ?Hedge FI’s credit, interest rate and FX risks ? Risks: ? OffBS activities are for trading ? Gain or loss is based on the possible change in the market value over the life of the contract (usually less than 3% of the notional value of the contract. ? Unexpected defaults of guaranteed loans, loan mitments 15 Other sources of ine: Trust services ? Investment advisor: Asset Allocation ? ., How to balance your investment portfolio ? Estate Planning ? inheritance ? Planning for Your Retirement Years ? Why, How and When ? Act as transfer agents for government or corporate securities ? ., bankruptcies Corresponding Banking ? Services provided to other banks ? ., cheque clearing and collection, foreign exchange trading, participation in debt and security issuances. 16 4. Credit unions and caisses populaires Cooperative banks are small lending institutions anized around a particular group of individuals with a mon bond (union members or employees of a particular firm). ? They are nonprofitseeking FIs. ? They mostly provincially regulated. ? Members determine their lending and investment policies (60% in Quebec) ? Liabilities: ? Most
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