商業(yè)銀行經(jīng)營評價課件-展示頁
2025-01-28 23:06本頁面
【正文】 estment 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 – interest paid – maturity – whether they carry FDIC insurance – whether they can be traded in the secondary market. 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 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 – Small CDs, considered core deposits which tend to be stable deposits that are typically not withdrawn over short periods of time.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 . Core doposits ? Core deposits are stable deposits that are not highly interest ratesensitive. – Core deposits are more sensitive to the fees charged, services rendered, and location of the bank. – Core deposits include: demand deposits, NOW accounts, MMDAs, and small time deposits. Borrowings (volatile funds) ? Large, or volatile, borrowings are liabilities that are highly ratesensitive. – Normally issued in uninsured denominations. – Their ability to borrow is sensitive to the markets perception of their asset quality. – Volatile liabilities or noncore liabilities include: ? large CDs (over 100,000) ? deposits in foreign offices ? federal funds purchased ? repurchase agreements
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