BANK 3

WHY STILL DOUBLE CHECK THE FINANCIAL HEALTH OF COMMERCIAL BANKS IN 2014 ?

 

 

THE PERFORMANCE OF THE COMMERCIAL BANKING INDUSTRY HAS DRATICALLY CHANGED SINCE 2008.

LOTS OF COMMERCIAL BANKS HAVE SUFFERED FROM THE FINANCIAL CRISIS WORLDWIDE.

LOTS ARE STILL EXPOSED TO THE OFF-BALANCE-SHEET ACTIVITIES THEY HAVE UNDERTAKEN IN THE LAST DECADE.

 

WHICH COMMERCIAL BANKS IN 2014 ARE EXPERIENCING THE HIGHEST PROFITABILITY AND WHY ?

HOW ABOUT THEIR BALANCE SHEET STRUCTURES AND THEIR OTHER FEE-GENERATING ACTIVITIES ?

HOW ABOUT THE IMPACT OF SIZE ON THEIR PROFITABILITY ?

COMMERCIAL BANKS ARE UNIQUE IN THE SPECIAL SERVICES THEY DO PERFORM AND THE  LEVEL OF REGULATORY ATTENTION THEY ARE SUPPOSED TO RECEIVE.

AS A RESULT, COMMERCIAL BANKS ARE UNIQUE IN THE TYPES OF ASSETS AND LIABILITIES THEY HOLD.

THE LIABILITY STRUCTURE OF A BANK TELLS US EVERYTHING ABOUT THE MATURITY OF ITS LIABILITIES AND THE TYPES OF RISKS THIS LIABILITY STRUCTURE IMPLIES FOR THE BANK.

WHAT IS MEANT BY COMMERCIAL BANKS ‘ FINANCIAL STATEMENTS AND ANALYSIS ?

THAT IS THE TOPIC WE ‘ D LIKE TO DISCUSS WITH YOU.

SO, JOIN THE DEBATE…

 

YOU WILL LEARN THE MAJOR CATEGORIES OF ASSETS ON A COMMERCIAL BANK’S BALANCE SHEET, THE CORE DEPOSITS AND PURCHASED FUNDS, THE OFF-BALANCE-SHEET ACTIVITIES ON A COMMERCIAL BANK’S INCOME, AND THE KEY RATIOS THAT CAN BE USED TO ANALYZE A COMMERCIAL BANK AND WILL HAVE A BETTER UNDERSTANDING OF THE ADVANTAGES AND DISADVANTAGES OF INTERNATIONAL EXPANSION.

 

 

PHILIPPE – HENRI LATIMIER DU CLESIEUX , Ph.D. PROFESSOR OF FINANCE – EX CITIBANK, EX NBK, EX MERRILL LYNCH. CONTACT : PHLDUCX@aol.com