商业银行学答案第八版罗斯Chap006-豆柴文库

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CHAPTER6

MEASURINGANDEVALUATINGTHEPERFORMANCEOFBANKSANDTHEIRPRINCIPALCOMPETITORS


GoalofThisChapter:Thepurposeofthischapteristodiscoverwhatanalyticaltoolscanbeappliedtoabank’sfinancialstatementssothatmanagementandthepubliccanidentifythemostcriticalproblemsinsideeachbankanddevelopwaystodealwiththoseproblems



KeyTopicsinthisChapter

StockValuesandProfitabilityRatios
MeasuringCredit,Liquidity,andOtherRisks
MeasuringOperatingEfficiency
PerformanceofCompetingFinancialFirms
SizeandLocationEffects
Appendix:UsingFinancialRatiosandOtherAnalyticalToolstoTrackFinancialFirmPerformance-TheUBPRandBHCPR

ChapterOutline

I.Introduction:	
IIEvaluatingPerformance
A.DeterminingLong-RangeObjectives
B.MaximizingtheValueoftheFirm:AKeyObjectiveforNearlyAllFinancial-Service
Institutions
C.ProfitabilityRatios:ASurrogateforStockValues
1.KeyProfitabilityRatios
2.InterpretingProfitabilityRatios
	D.UsefulProfitabilityFormulasforBanksandOtherFinancial-ServiceCompanies
E.ReturnonEquityandItsPrincipalComponents
F.TheReturnonAssetsandItsPrincipalComponents
	G.WhataBreakdownofProfitabilityMeasuresCanTellUs
H.MeasuringRiskinBankingandFinancialServices
1.CreditRisk
2.LiquidityRisk
3.MarketRisk
4.PriceRisk
5.InterestRateRisk
6.ForeignExchangeandSovereignRisk
7.Off-Balance-SheetRisk
8.Operational(Transactional)Risk
9.LegalandComplianceRisks
		10ReputationRisk
11.StrategicRisk
12.CapitalRisk
I.OtherGoalsinBankingandFinancial-ServicesManagement
III.PerformanceIndicatorsamongBanking’sKeyCompetitors
IV.TheImpactofSizeonPerformance
	A.Size,LocationandRegulatoryBiasinAnalyzingthePerformanceofBanksand
	CompetingFinancialInstitutions	
V.SummaryoftheChapter
AppendixtotheChapter-UsingFinancialRatiosandOtherAnalyticalToolstoTrackFinancial-FirmPerformance-TheUBPRandBHCPR

ConceptChecks

6-1.	Whyshouldbanksandothercorporatefinancialfirmsbeconcernedabouttheirlevelofprofitabilityandexposuretorisk?

BanksintheU.S.andmostothercountriesareprivatebusinessesthatmustattractcapitalfromthepublictofundtheiroperations.Ifpro