Week 9 Lecture - Week 9. Commercial Bank Operations 1203AFE...

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Week 9. Commercial Bank Operations 1203AFE Money, Banking and Finance Chapter 12 Monday 22 September 2008
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Objectives Describe the size and structure of the banks within the Australian financial sector Discuss banks’ sources and uses of funds as reflected in their balance sheets Explain the various off-balance-sheet activities Discuss the performance of Australian banks in terms of sources of income and expenses. Discuss how banks manage their liquidity risk Describe the capital requirements faced by banks Explain the methods employed by banks to manage credit risk
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Australian Banks Adelaide Bank Limited AMP Bank Limited Australia and New Zealand Banking Group Limited Bank of Queensland Limited Bendigo and Adelaide Bank Limited Commonwealth Bank of Australia Commonwealth Development Bank of Australia Limited (part of CBA) Elders Rural Bank Limited Macquarie Bank Limited Members Equity Bank Pty Limited National Australia Bank Limited St.George Bank Limited Suncorp-Metway Limited Westpac Banking Corporation List of ADI
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Consolidation Consolidation through mergers and takeovers has been very common among banks Banks have used mergers and takeovers to grow quickly, diversify their operations and improve their geographical spread. Australian government does not permit further consolidation of the local market. The ‘four pillars’ policy
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Balance Sheets The balance sheet lists a business’s assets, liabilities and the owners’ investment (equity). The relationship between these accounts is: Assets = Liabilities + Capital Use of Funds Source of Funds
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Source of Bank Funds Liabilities + Capital Liabilities: Deposit Accounts Demand Savings Term Deposits Borrowed Funds Banker’s acceptances Debt issues Loan capital
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Source of Funds – Liabilities:
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This note was uploaded on 06/09/2009 for the course ACCOUNTING 1203AFE taught by Professor Ms.mirellamalin during the Three '08 term at Griffith.

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Week 9 Lecture - Week 9. Commercial Bank Operations 1203AFE...

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