对外经济贸易大学：《银行管理学 Bank Management》课程教学资源（授课教案课件）Chapter 02 Analyzing Bank Performance

Loans:Categories ▣Real estate loans ▣Commercial loans ▣Loans to individuals ▣Agricultural loans Other loans in domestic offices Loans and leases in foreign offices ▣Three adjustments Leases;Unearned income;Loss allowance 爸封强的黄香+孝

Loans: Categories Loans: Categories † Real estate loans † Commercial loans † Loans to individuals † Agricultural loans † Other loans in domestic offices † Loans and leases in f oreign offices † Three adjustments „ Leases; Unearned income; Loss allowance

PNC and CNB:Loan portfolio (2000) PNC CNB Real estate 37.0 37.0 Commercial 28.8 19.4 Individuals 5.6 4.3 Agricultural 0.0 0 Domestic other 7.3 4.7 International 0.5 0 Unearned income -0.2 0 Loss allowance -1.0 0.5 Total 78.0 64.9 猫卧管+手

PNC and CNB: Loan portfolio (2000) PNC and CNB: Loan portfolio (2000) PNC CNB Real estate 37.0 37.0 Commercial 28.8 19.4 Individuals 5.6 4.3 Agricultural 0.0 0 Domestic other 7.3 4.7 International 0.5 0 Unearned income - 0.2 0 Loss allowance - 1.0 -0.5 Total 78.0 64.9

Bank Assets:Investment securities Investment securities are held to earn interest, ■ help meet liquidity needs ■ speculate on interest rate movements ■ serve as part of a bank's dealer functions. The administration and transaction costs are extremely low. 猫f的贺6号

Bank Assets: Bank Assets: Investment securities Investment securities † Investment securities are held to „ earn interest, „ help meet liquidity needs „ speculate on interest rate movements „ serve as part of a bank’s dealer functions. † The administration and transaction costs are extremely low

Bank Assets:Investment securities 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 warrants Long-term investment:notes and bonds ■Treasury securities Obligations of federal agencies Mortgage-backed,foreign,and corporate 爸封强的黄香+孝

Bank Assets: Bank Assets: Investment securities Investment securities † 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 warrants † Long-term investment: notes and bonds „ Treasury securities „ Obligations of federal agencies „ Mortgage-backed, foreign, and corporate

Bank Assets: Noninterest cash and due from banks ▣It consists of vault cash, ■ deposits held at Federal Reserve Banks ■ deposits held at other financial institutions ■ cash items in the process of collection These assets are held to ■ meet customer withdrawal needs meet legal reserve requirements assist in check clearing and wire transfers effect the purchase and sale of Treasury securities 麓的贫香小手

Bank Assets: Bank Assets: Noninterest Noninterest cash and due from banks cash and due from banks † It consists of „ vault cash, „ deposits held at Federal Reserve Banks „ deposits held at other financial institutions „ cash items in the process of collection † These assets are held to „ meet customer withdrawal needs „ meet legal reserve requirements „ assist in check clearing and wire transfers „ effect the purchase and sale of Treasury securities