資本市場(chǎng)和金融機(jī)構(gòu)(5)(編輯修改稿)
2025-06-18 02:19 本頁面
【文章內(nèi)容簡(jiǎn)介】 dule II banks:Foreign Bank Subsidiaries (24) ? Shares closely held by foreign banks or other eligible financial institutions. ? Examples: HSBC Bank Canada, IntesaBci Canada, Amex Bank of Canada, Citibank Canada, and ING Bank of Canada. ? Schedule III banks: Foreign Bank Branches (29) (Take wholesale deposits only $150,000) ? Examples: . Man Chase Bank, ABN Amro Bank . Bayerische Landesbank Foreign lending branches (5) 9 International Activity of the Big Six Bank Primary Focus Int’l Assets % of Int’l (Cdn (C$ billions) Assets in total assets) BofM ., Mexico 112 43% CIBC . 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。 Maturity mismatch (Interest rate risk) 11 Uses of Funds ? A bank uses the funds that it has acquired by issuing liabilities (short term deposits) to purchase ineearnings assets (long term assetsless liquid and more risky). ? Process called Asset Transformation ? This involves Liquidity Risk ? High % of Loan (long term) involves high Default Risk ? Trend Fewer corporate loans due to disintermediation (Removal of a FIs in transaction.) Private placements through Institutional Investors (Large nonbank FIs) 12 ? Sources of Funds ? Deposits and Borrowing ? Demand deposits. Checking accounts (payable on demand) ?
環(huán)評(píng)公示相關(guān)推薦
鄂ICP備17016276號(hào)-1