博鰲亞洲論壇、深圳發(fā)展銀行案例分析(已改無錯(cuò)字)
2023-02-03 02:06:30 本頁(yè)面
【正文】 3 0 % 16 140 ri s k w e i g h t 2 0 % T i m e 2 , 0 0 0 . 0 1 . 5 0 % 3 0 . 0 R e t a i l R e t a i l l o a n s 2 , 0 0 0 . 0 6 . 5 0 % 130 1 , 5 0 0 Sa v i n g s 1 , 0 0 0 . 0 1 . 2 0 % 1 2 . 0 T i m e 1 , 0 0 0 . 0 1 . 5 0 % 1 5 . 0 O t h e r 1 0 0 . 0 1 . 9 0 % 1 . 9 T o t a l d e p o s i t s 8 , 1 0 0 . 0 1 . 1 0 % 8 8 . 9 PBO C 6 0 0 . 0 1 . 0 0 % 6 C a s h 5 0 . 0 0 . 0 0 % Ac c o u n t s p a y a b l e amp。 o t h e r 2 0 0 . 0 0 . 0 0 % Ac c t s re c e i v a b l e 2 0 0 . 0 0 . 0 0 % (I n c l . I n t R e c e i v )Su b t o t a l s o u rc e s / u s e s 8 , 3 0 0 . 0 8 8 . 9 7 , 8 5 0 . 0 F u n d s f ro m SD B T re a s u ry 1 . 5 0 % Pl a c e d w i t h SD B T re a s u ry 4 5 0 . 0 1 . 6 0 % 7 z e ro w e i g h tT o t a l Ba s i c Ba n k i n g 8 , 3 0 0 . 0 1 . 0 7 % 8 8 . 9 8 , 3 0 0 . 0 4 . 7 0 % 390 5 , 9 4 0 I I . I n t e rb a n kF u n d s b o rro w e d 5 0 0 . 0 1 . 5 0 % 7 . 5 F u n d s p l a c e d 5 0 0 . 0 1 . 7 0 % 9 R i s k w e i g h t 0 I n t e rb a n k I n t e rb a n k o r 2 0 % .T O T AL 8 , 8 0 0 . 0 8 , 8 0 0 . 0 5 , 9 4 0 O f f b a l a n c e s h e e t R W A 400 T O T AL R W A 6340N e t i n t e re s t i n c o m e f ro m b a s i c b a n k i n g = b a s i c i n t e re s t 301 i n c o m e l e s s b a s i c i n t e re s t e x p e n s e Ba s i c b a n k i n g s p re a d = b a s i c a s s e t y i e l d l e s s 0 . 0 4a v e ra g e c o s t o f b a s i c f u n d sN e t i n t e re s t i n c o m e f ro m i n t e rb a n k i n g 1 . 0 0 I n t e rb a n k s p re a d 0 . 2 0 %I n t e re s t R a t e s s e t f o r p l a n . Ac t u a l ra t e s w i l l v a ry .B r a n c h i n c o m e s ta te m e n t fo r b o n u s p l a nEx a m p l eN e t i n t e re s t i n co m e Ba s i c Ba n ki n g 3 0 0 . 9 I n t e rb a n k 1 . 0 0p l u s F e e i n co m e 20e q u a l s T o t a l i n co m e 3 2 1 . 9l e s s Ex p e n s e s 100e q u a l s O p Pro f i t 2 2 1 . 9l e s s N o n o p n e t e x p e n s e 15e q u a l s Pro f i t b e f o re cre d i t p ro v i s i o n a n d t a x 2 0 6 . 9 (PBC P)(N e t i n t e re s t i n co m e d e t e rm i n e d b y n e x t s h e e t )Al s o co m p u t e PBC P/ R W A
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