Bank management = 银行管理学 / 5th ed.

1 FUNDAMENTAL FORCES OF CHANGE IN BANKING
The Fundamental Forces of Change
Increased Competition
Competition for Deposits
Competition for Loans
Competition for Payment Services
Competition for Other Bank Services
Deregulation and Reregulation
Financial Innovation
Globalization
Capital Requirements
Increased Consolidation
Summary

2 ANALYZING BANK PERFORMANCE
Commercial Bank Financial Statements
The Balance Sheet
The Income Statement
The Relationship between the Balance Sheet and
Lncome Statement
The Return on Equity Model
The Uniform Bank Performance Report
Profitability Analysis
Expense Ratio and Asset Utilization
Banking Risks and Returns: The Profitabiiify, Liquidity, and
Solvency Trade-Off
Credit Risk
Liquidity Risk
Market Risk
Operating Risk
Legal Reputation Risk
Capital or Solvency Risk
Maximizing the Market Value of Bank Equity
Evaluating Bank Performance: An Application
PNC's Profitability and Risk versus Peers in 2001
PNC's Profitability versus Risk: 1993-2001
CAMELS Ratings
Performance Characteristics of Different-sized Banks
Financial Statement Manipulation
Preferred Stock
Nonperforming Loans
Securities Gains and Losses
Nonrecurring Sales of Assets
Summary

3 MANAGING NONINTEREST INCOME AND NONINTEREST EXPENSE
Common Financial Ratios of Expense Control and
Noninterest Income Growth
Noninterest Income
Noninterest Expense
Key Ratios
Operating Risk Ratio
Customer Profitability and Business Mix
Which Customers Are Profitable?
What Is the Appropriate Business Mix?
Strategies to Manage Noninterest Expense
Cost Management Strategies
Summary

4 MANAGING INTEREST RATE RISK: GAP AND EARNINGS SENSITIVITY
Measuring Interest Rate Risk with GAP
Traditional Static GAP Analysis
What Determines Rate Sensitivity?
Factors Affecting Net Interest Income
Changes in the Level of Interest Rates
Changes in the Relationship between Sh0rt-Term Asset Yields and
Liability Costs
Changes in Volume
Changes in Portfolio Composition
Rate, Volume, and Mix Analysis
Rate-Sensitivity Reports
Strengths and Weaknesses: Static GAP Analysis
Link between GAP and Net Interest Margin
Earnings Sensitivity Analysis
Exercise of Embedded Options in Assets and Liabilities
Different Interest Rates Change by Different Amounts at
……
5 MANAGING INTEREST RATE RISK: DURATION GAP AND MARKET VALUE OF EQUITY
6 MANAGING LIABILITIES
7 THE EFFECTIVE USE OF CAPITAL
8 LIQUIDITY PLANNING AND MANAGING CASH ASSETS