Скачать или смотреть Bank Health Check 1

The provided excerpts offer a comprehensive overview of bank credit analysis and financial institution risk management, drawing from a handbook for analysts and investors. Key topics include the subjective nature of assessing a borrower's willingness to pay and the perils of name lending, alongside the complex methodology for analyzing an unfamiliar banking industry. The text also details how banks earn money through spreads and discusses various financial instruments such as derivatives and repurchase agreements (repos), as well as the important difference between bank and non-financial company income statements. Furthermore, the material explores critical concepts in bank soundness, such as liquidity indicators (e.g., loans-to-deposits ratio), capital adequacy ratios (CAR), the challenges of systemic risk, and the influence of macro-level factors and monetary policy on bank profitability and stability.