bk_lecture - Financial Institutions: Banking 1. Overview of...

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Unformatted text preview: Financial Institutions: Banking 1. Overview of banking industry (Chap. 11) 2. Singapore’s banking system 2/20 Roger Loh Definition of a Commercial Bank ¡ Represent the largest group of depository institutions ¡ Commercial banks’ assets are loans, and liabilities are deposits. ¡ Liabilities can include non-deposit sources of funds (subordinated notes, debentures, etc). 3/20 Roger Loh Differences in Balance Sheets Commercial Banks Nonfinancial Firms Assets Liabilities Assets Liabilities Loans Deposits Deposits Loans Other Other financial financial assets assets Other Other Other Other non- liabilities non- liabilities financial and financial and assets equity assets equity Commercial Banks Nonfinancial Firms Assets Liabilities Assets Liabilities Loans Deposits Deposits Loans Other Other financial financial assets assets Other Other Other Other non- liabilities non- liabilities financial and financial and assets equity assets equity 4/20 Roger Loh Commercial Bank Balance Sheet, 2004 Assets (US$b) Total cash assets………………. $ 416.9 U.S. gov securities…………… $ 1047.4 Fed Funds/Repos………….…. 384.6 Other…………………………. 447.3 Investment securities………….. 1,879.3 Interbank loans………………. 193.6 Loans exc. Interbank………… 4,624.3 Comm. and Indust…………..$ 890.1 Real estate…………………… 2,544.9 Individual……………………. 806.3 All other……………………… 383.0 Less: Reserve for losses……… 78.1 Total loans……………………… $4,739.8 Other assets…………………….. 1,208.4 Total assets…………………….. $8,244.4 Assets (US$b) Total cash assets………………. $ 416.9 U.S. gov securities…………… $ 1047.4 Fed Funds/Repos………….…. 384.6 Other…………………………. 447.3 Investment securities………….. 1,879.3 Interbank loans………………. 193.6 Loans exc. Interbank………… 4,624.3 Comm. and Indust…………..$ 890.1 Real estate…………………… 2,544.9 Individual……………………. 806.3 All other……………………… 383.0 Less: Reserve for losses………...
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This note was uploaded on 06/06/2009 for the course SOB FNCE102 taught by Professor Rogerloh during the Spring '09 term at Singapore Management.

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bk_lecture - Financial Institutions: Banking 1. Overview of...

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