The Bank Credit Analysis Handbook: A Guide for Analysts, Bankers and Investors,9780471842170

The Bank Credit Analysis Handbook: A Guide for Analysts, Bankers and Investors

by
Edition: 1st
ISBN13: 9780471842170
ISBN10: 0471842176
Format: Hardcover
Pub. Date: 2001-01-01
Publisher(s): WILEY
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Summary

A hands-on guide to the theory and practice of bank credit analysis and ratings A bank2s creditworthiness is important to a large number of individuals - from ordinary depositors to equity and fixed income investors, as well as other banks. In this timely book, Jonathan Golin explains the role of bank credit analysts and the methodology of their practice. He elaborates on the application of the industry standard CAMEL model to bank credit analysis with the help of charts, graphs, and spreadsheet illustrations. International case studies are also presented to help readers gain a global perspective on the world of bank credit analysis. Jonathan Golin was the editor and contributing author of Capital Flows Along the Mekong: A Guide to Investment in Vietnam, Cambodia, Laos, and Myanmar (1995) and has written numerous articles for the Asian Wall Street Journal and Vietnam Business Journal. He is a contributing author to the 1999 Chase Guide to Corporate Treasury.

Table of Contents

Acknowledgments xi
Preface xiii
Introduction xvii
The Role of the Bank Credit Analyst: Assessing the Creditworthiness of Banks
3(18)
An Overview and Introduction to Bank Credit Analysis: Source Materials and Disclosure
21(22)
Deconstructing a Bank's Financial Statements, Part One: Understanding The Income Statement
43(20)
Deconstructing a Bank's Financial Statements, Part Two: The Balance Sheet
63(24)
Introduction to Bank Credit Analysis: The CAMEL model
87(20)
Earnings & Profitability: Evaluating Overall Performance
107(30)
Earnings & Profitability: Evaluating the Interest Income and Non-Interest Income Components of Revenue
137(22)
An Introduction to Asset Quality: Non-Performing Loans and the Credit Cycle
159(22)
Qualitative Review of Asset Quality
181(28)
Quantitative Review Of Asset Quality
209(44)
Capital: Cushion Against Loss
253(24)
Capital Adequacy: The Basel Accord and Proposed Changes
277(22)
Funding and Liquidity, Part I: Liquidity and Asset-Liability Management
299(18)
Funding and Liquidity, Part II: Funding the Bank and Ratio Analysis
317(22)
Management and the Bank Visit
339(12)
The Risk Management Context: The practical Application of Credit Assessments
351(16)
The Banking Environment: Sovereign Risk, Systemic Concerns and Approaches to Government Regulation
367(30)
The Regulatory Regime: The Contours of Prudential Regulation of Banks
397(28)
The Distressed Bank, Part I: Introduction to Restructuring
425(18)
The Distressed Bank, Part II: Aims and Methods of Restructuring
443(18)
The Distressed Bank, Part III: Recapitalization
461(18)
The Distressed Bank, Part IV: Illustrative Approaches to Restructuring --- Malaysia and South Korea
479(20)
The Distressed Bank, Part V: Illustrative Approaches to Restructuring --- Indonesia and Thailand
499(20)
Rating the Bank, Part I: The Ratings Industry and its Rationale
519(34)
Bank Rating Types and Symbologies: A User's Guide
553(32)
Fixed Income Analysis Applied to Financial Institutions
585(16)
E-Banking: The Internet and the Future of the Bank
601(16)
Appendix A: Sources and Further Reading 617(16)
Appendix B: Bank Analysis Toolbox --- Ratio Compendium 633(12)
Appendix C: The New Basel Capital Accord: The January 2001 Proposal Due for Implementation by 2004 645(4)
Appendix D: Glossary 649(84)
Index 733

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