By Benton E. Gup(auth.)
A functional advisor to the evolving international of banking and fiscal institutions
Due to numerous elements, starting from the worldwide monetary main issue that all started in 2007 to new legislation reminiscent of the Dodd-Frank Wall road Reform and patron defense Act of 2010, banks and monetary associations have needed to adjust the best way they function. knowing how those associations functionality within the face of contemporary demanding situations is key for an individual linked to them. that is why Professor Benton Gup has created Banking and monetary Institutions.
Opening with a close dialogue of the factors of the new monetary drawback, in addition to a glance at a few classes we will research from it and different crises, this trustworthy source speedy strikes directly to positioned glossy banking in standpoint. full of in-depth insights and specialist recommendation, Banking and fiscal Institutions examines the fundamental features of this self-discipline and indicates you what it takes to take advantage of expert judgements attainable, even if you are a financial institution director, investor, or borrower.
- Explains the industrial position of economic intermediaries, together with the monetary associations that deliver debtors and savers together
- Addresses how banks can hedge a few of their rate of interest and credits dangers through the use of numerous kinds of derivatives contracts, suggestions, and futures
- Analyzes the method of business and business (C&I) lending, from how banks make loans and the categories of C&I loans to the function of collateral
- Allows you to guage a bank's monetary statements and performance
- Explores funds structures, together with money, tests, charge cards, twine transfers, and different technique of payment
Rounding out this unique banking consultant is an informative bankruptcy on Islamic banking written by way of Professor Mohamed Ariff of Bond college, in addition to a bankruptcy full of information for financial institution administrators, debtors, and traders contributed via John Harrison, the Superintendent of Banks, Alabama country Banking Department.Content:
Chapter 1 classes discovered from Banking Crises (pages 1–20):
Chapter 2 the commercial position of monetary Intermediaries (pages 21–40):
Chapter three The Evolving felony atmosphere (pages 41–74):
Chapter four Asset/Liability administration (pages 75–93):
Chapter five Hedging and threat administration (pages 95–114):
Chapter 6 advertisement and commercial Loans (pages 115–147):
Chapter 7 actual property and purchaser Lending (pages 149–187):
Chapter eight financial institution Capital: Capital Adequacy (pages 189–205):
Chapter nine comparing financial institution functionality (pages 207–228):
Chapter 10 funds structures (pages 229–243):
Chapter eleven different monetary providers (pages 245–254):
Chapter 12 A advisor to Islamic Banking (pages 255–278):
Chapter thirteen The View from the head: options from a Superintendent of Banks (pages 279–281):
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Additional info for Banking and Financial Institutions: A Guide for Directors, Investors, and Counterparties
The country became a giant hedge fund. ”46 What is the right amount of leverage? ” That brings us to our next lesson: diversiﬁcation. Lesson 2: Diversification Is Good; High Loan Concentrations Are Bad for Banks Colonial Bank Bobby Lowder created Colonial Bank in 1981 by acquiring a failed community bank, Southland Bancorp. 47 The strategy was successful for many years. Colonial took advantage of the booming real estate markets in Florida, Georgia, and Nevada. 48 The Colonial BancGroup, headquartered in Montgomery, Alabama, had more than $26 billion in assets when it failed in 2009.
Countries that suffer longer and more destabilizing bubbles tend to have poor transparency, weak macroeconomic policies, and lack of diversiﬁcation in their economies. Banking and Financial Institutions: A Guide for Directors, Investors, and Counterparties by Benton E. Gup Copyright © 2011 Benton E. Gup CHAPTER 2 The Economic Role of Financial Intermediaries his chapter presents an overview of the ﬁnancial system. In this context, the view from an airplane is entirely different from a view on the ground.
Compliance risk is the risk to earnings and capital arising from the violation of laws, rules, regulations, and so on. For example, if a bank does not have adequate capital, bank regulators will take prompt corrective actions to require the bank to increase its capital to meet minimum standards, or be closed. INDIVIDUALS Individuals are the third part of the economic system. The term individual is used here in the broad sense of the word and refers to a person in contrast to a business. 34 BANKING AND FINANCIAL INSTITUTIONS One difference between the two is that individuals tend to be net savers and put their surplus funds into secondary securities.