商业银行管理 ROSE 7e 课后答案chapter_06

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1、CHAPTER6MEASURINGANDEVALUATINGTHEPERFORMANCEOFBANKSANDTHEIRPRINCIPALCOMPETITORSGoalofThisChapter:Thepurposeofthischapteristodiscoverwhatanalyticaltoolscanbeappliedtoabank’sfinancialstatementssothatmanagementandthepubliccanidentifythemostcriticalproblemsinsideeachbankanddevelopwaystodea

2、lwiththoseproblemsKeyTopicsinThisChapter·StockValuesandProfitabilityRatios·MeasuringCredit,Liquidity,andOtherRisks·MeasuringOperatingEfficiency·PerformanceofCompetingFinancialFirms·SizeandLocationEffects·TheUBPRandComparingPerformanceChapterOutlineI.Introduction:II.EvaluatingaBank'sPer

3、formanceA.DeterminingLong-RangeObjectivesB.MaximizingTheValueoftheFirm:AKeyObjectiveforNearlyAllFinancial-ServiceInstitutionsC.ProfitabilityRatios:ASurrogateforStockValues1.KeyProfitabilityRatios2.InterpretingProfitabilityRatiosD.UsefulProfitabilityFormulasforBanksandOtherFinancialServ

4、iceCompaniesE.BreakingDownEquityReturnsforCloserAnalysisF.Break-DownAnalysisoftheReturnonAssetsG.WhataBreakdownofProfitabilityMeasuresCanTellUsH.MeasuringRiskinBankingandFinancialServices1.CreditRisk2.LiquidityRisk3.MarketRisk4.Interest-RateRisk5.OperationalRisk6.LegalandComplianceRisk

5、7.ReputationRisk8.StrategicRisk9.CapitalRiskI.OtherGoalsinBankingandFinancialServicesManagement87III.PerformanceIndicatorsamongBanking’sKeyCompetitorsIV.TheImpactofSizeonPerformanceA.Size,LocationandRegulatoryBiasinAnalyzingThePerformanceofBanksandCompetingFinancialInstitutionsB.UsingF

6、inancialRatiosandOtherAnalyticalToolstoTrackBankPerformance--TheUBPR.V.SummaryoftheChapterAppendixtotheChapter-ImprovingthePerformanceofFinancialFirmsThroughKnowledge:SourcesofInformationontheFinancial-ServicesIndustryConceptChecks6-1.Whyshouldbanksandothercorporatefinancialfirmsbeconc

7、ernedabouttheirlevelofprofitabilityandexposuretorisk?BanksintheU.S.andmostothercountriesareprivatebusinessesthatmustattractcapitalfromthepublictofundtheiroperations.Ifprofitsareinadequateorifriskisexcessive,theywillhavegreaterdifficultyinobtainingcapitalandtheirfundingcostswillgrow,e