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bank management. ... The resulting figure indicates how well management is controlling
interest rate risk. 5- Bank Burden- consists of NonIntExp-NonIntInc. ...
... Barings Bank management in London at first congratulated and rewarded Leeson
for what seemed to be his outstanding trading profits. ...
... Subject to short term rate increases, going concern issues with upcoming audit,
Callable in 90 days, no collateral or covenants, bank management is negative on ...
... Subject to short term rate increases, going concern issues with upcoming audit,
Callable in 90 days, no collateral or covenants, bank management is negative on ...
... Subject to short term rate increases, going concern issues with upcoming audit,
Callable in 90 days, no collateral or covenants, bank management is negative on ...
Submitted by sayda on December 3, 2005
Category: Business
Words: 518 | Pages: 3
Views: 301
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Ch.3:Analyzing Bank Performance: Using the UBPR- Questions 1,2,4,7
1). The major categories involved in bank assets include 1-Cash & due from banks, 2-Investment Securities, 3-Loans, and 4-Other Assets. Among these major categories, loans basically generate the greatest amount of income/ revenue which makes up for the largest contribution to total resources. The major categories of bank liabilities include, 1-Demand Deposits, 2- NOW's and ATS from savings, 3-MMDA's, and 4- Savings & Time Deposits. The difference between the two is that assets are what banks own or invest in to generate revenue; whereas bank liabilities are a debt instrument or funding source for a bank.
2). These terms, concepts, and rates are heavily used to compile a bank's Income Statement. The first component is 1-Interest Income (II) which includes interest from loans, deposits held at other institutions, municipal & taxable securities, and investment and trading account securities. 2- Non-Interest Income (OI) consists of deposit service charges, fee income, and trust income. 3-Non-Interest Expense (OE) consists of overhead costs usually covering people, buildings, & equipment. It also covers personnel expenses like salaries and fringe benefits, and occupancy expenses. 4-Net Interest Income- Gross II-Gross IE is the calculation for this component. The resulting figure indicates how well management is controlling interest rate risk. 5- Bank Burden- consists of NonIntExp-NonIntInc. 6-Efficiency Ratio- measures the difference between Non Interest expense and the sum of NetIntInc+NonIntInc.
7). These following terms make up the Return on Equity Model. This model basically analyzes a banks profitability. The ratios compiled in this model are used to assess the performance of a bank. The following terms are explained as followed:
1- ROE: Return on Equity. ROE is composed of two important parts a-ROA & b-Equity Multiplier (EM)....
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