商业银行管理全套配套课件英文PPT教师手册习题习题答案 Chap015.ppt

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1、ChapterFifteenTheManagementofCapitalKeyTopicsTheManyTasksofCapitalCapitalandRiskExposuresTypesofCapitalInUseCapitalastheCenterpieceofRegulationBaselIandBaselIICapitalRegulationintheWakeoftheGreatRecession/BaselIIIPlanningtoMeetCapitalNeedsIntroductionWhatiscapital?Fundscontribu

2、tedbytheownersofafinancialinstitutionRaisingandretainingsufficientcapitaltoprotecttheinterestsofcustomers,employees,owners,andthegeneralpublicistoughWhyiscapitalsoimportantinfinancial-servicesmanagement?ItprovidesacushionofprotectionagainstriskandpromotespublicconfidenceCapital

3、hasbecomethecenterpieceofsupervisionandregulationtodayTheManyTasksCapitalPerformsProvidesacushionagainsttheriskoffailureProvidesfundstohelpinstitutionsgetstartedPromotespublicconfidenceProvidesfundsforgrowthRegulatorofgrowthRegulatorytooltolimitriskexposureCapitalandRisksKeyRis

4、ksinBankingandFinancialInstitutions’ManagementCreditRiskLiquidityRiskInterestRateRiskOperationalRiskExchangeRiskCrimeRiskCapitalandRisks(continued)DefensesagainstRisksQualityManagementDiversificationGeographicPortfolioDepositInsuranceOwners’CapitalTypesofCapitalinUseCommonstock

5、PreferredstockSurplusUndividedprofitsEquityreservesSubordinateddebenturesMinorityinterestinconsolidatedsubsidiariesEquitycommitmentnotesTABLE15–1CapitalAccountsofFDIC-InsuredU.S.CommercialBanks,December31,2010OneoftheGreatIssuesintheHistoryofBanking:HowMuchCapitalIsReallyNeeded

6、?RegulatoryApproachtoEvaluatingCapitalNeedsReasonsforCapitalRegulationTolimitriskoffailuresTopreservepublicconfidenceTolimitlossestothegovernmentandotherinstitutionsarisingfromdepositinsuranceclaimsOneoftheGreatIssuesintheHistoryofBanking:HowMuchCapitalIsReallyNeeded?(continued

7、)RegulatoryApproachtoEvaluatingCapitalNeedsResearchEvidenceResearchhasbeenconductedontheissueofwhethertheprivatemarketplaceorgovernmentregulatoryagenciesexertabiggereffectonbankrisktakingMoststudiesfindthattheprivatemarketplaceisprobablymoreimportantthangovernmentregulationinth

8、elongrunRecentlygovernmentregulationappearstohavebecom