某商業(yè)銀行經(jīng)營管理評價英文版(參考版)
2025-01-02 20:33本頁面
【正文】 ? 根據(jù)我國銀行業(yè)現(xiàn)狀，暫不對市場風(fēng)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(zhì)量的參考。s current and prospective sources of liquidity and funds management practices 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(gòu)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(diào)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(yù)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(diào)控銀行頭寸的能力（ 5分） 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. 敏感性（ Sensitivity） ? 包括利率風(fēng)險、外匯風(fēng)險、股本風(fēng)險和商品風(fēng)險。s assets. … ? Interest ine includes interest from: ? Loans ? Deposits held at other institutions ? Municipal and taxable securities ? Investment and trading account securities Interest expense ? …. the sum of interest paid on all interest bearing liabilities …. ? It includes interest paid to ? transactions accounts (NOW, ATS, and MMDA) ? time and savings deposits ? shortterm non core liabilities ? longterm debt ? Interest ine less interest expense is interest ine (NII) Noninterest ine ? Trust or fiduciary ine ? reflects what a bank earns from operating a trust department ? Fees and deposit service charges ? reflect charges on checking account activity, safedeposit boxes, and many other transactions. ? Trading revenues ? reflect missions and profits or gains from operating a trading account ? Other foreign transactions ? Other noninterest ine Noninterest expense ? Personnel expense: ? 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 Loanloss provisions (PLL) ? Represent management39。 Loss allowance PNC and CNB: Loan portfolio (2023) PNC CNB Real estate Commercial Individuals Agricultural 0 Domestic other International 0 Unearned ine 0 Loss allowance Total 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. 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 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 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 Bank Liabilities ? The characteristics of various debt instruments differ in terms of ? checkwriting capabilities ? inter
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