商業(yè)銀行經(jīng)營評價(ppt68)(參考版)
2025-01-24 23:06本頁面
【正文】 s assets. … ? Interest ine includes interest from: ? Loans ? Deposits held at other institutions ? Municipal and taxable securities ? Investment and trading account securities 22/69 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) 23/69 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 24/69 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 25/69 Loanloss provisions (PLL) ? Represent management39。 Loss allowance 7/69 PNC and CNB: Loan portfolio (2023) PNC CNB Real estate Commercial Individuals Agricultural 0 Domestic other International 0 Unearned ine 0 Loss allowance Total 8/69 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. 9/69 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 10/69 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 11/69 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 12/69 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 th
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