資本市場和金融機構(gòu)(5)-閱讀頁
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【正文】 o u ts ta n d in g b y th e p r ic e p e r s h a r e . A s s e s s e s th e v a lu e o f a c o m p a n y .B an k s an d f i n an ci a l co m p a n i es d o mi n ate the C an ad i a n l an d scap e in ter m s of m ar k e t cap i tal i za t i on *.8 ? Banks in Canada Source: CBA 2021 Federally regulated and governed by the Bank Act Categories of Banks ? Schedule I: Domestic Banks (20) Shares must be widely held which serves to restrict any one shareholder or group from having control over a bank (20% shares owned). ? Cdn Banks: 95% of total assets of banking industry(Oct 2021) ? Schedule 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。 No deposit insurance premium
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