某商业银行经营管理评价（英文版）(ppt 69页)
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某商业银行经营管理评价（英文版）目录：
1、Balance Sheet
2、Income Statement
3、Relationship between Balance Sheet and Income Statement
4、Return on Equity Model
5、股份制商业银行风险评级体系(04年2月22日)
6、Performance Characteristics of Different-sized Banks
某商业银行经营管理评价（英文版）内容提要：
It is a statement of financial position listing assets owned, liabilities owed, and owner’s equity as of a specific date.Assets = Liabilities + quity.Balance sheet figures are calculated at a particular point in time and thus represent stock values.Loans are the major asset in most banks’ portfolios and generate the reatest amount of income before expenses and taxes. They also exhibit the highest default risk and are relatively illiquid.
Investment securities are held to earn interest,help meet liquidity needs speculate on interest rate movementsserve as part of a bank’s dealer functions.The administration and transaction costs are extremely low.Short-term investments
Interest-bearing bank balances (deposits due from other banks)federal funds sold
securities purchased under agreement to resell (RPs)Treasury bills municipal tax warrantsLong-term investment: notes and bonds Treasury securitiesObligations of federal agenciesMortgage-backed, foreign, and corporate。
It consists of vault cash,deposits held at Federal Reserve Banksdeposits held at other financial institutionscash items in the process of collectionThese assets are held tomeet customer withdrawal needs meet legal reserve requirementsassist in check clearing and wire transfers effect the purchase and sale of Treasury ecuritiesOther assets are residual assets of relatively small magnitudes such as
bankers acceptances premises and equipmentother real estate owned and other smaller amounts。
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