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Lecture Financial markets and institutions - Chapter 17: Commercial bank operations

Lecture Financial markets and institutions - Chapter 17: Commercial bank operations presents the following content: Commercial banks as financial intermediaries, bank market structure, bank sources of funds, uses of funds by banks, off-balance sheet activities, international banking. | Chapter 17 Commercial Bank Operations Financial Markets and Institutions, 7e, Jeff Madura Copyright ©2006 by South-Western, a division of Thomson Learning. All rights reserved. Chapter Outline Commercial banks as financial intermediaries Bank market structure Bank sources of funds Uses of funds by banks Off-balance sheet activities International banking Commercial Banks as Financial Intermediaries Commercial banks serve all types of surplus and deficit units Offer deposit accounts with the size and maturity characteristics desired by surplus units Repackage funds received from deposits to provide loans of the size and maturity desired by deficit units Bank Market Structure Banks are continuing to consolidate: Interstate regulations were changed in 1994 to allow banks more freedom to acquire banks across state lines Competition among banks increased Banks needed to become more efficient as a means of survival Acquisitions were a convenient method to grow quickly The number of banks today is about one-half that existed in 1985 The largest 100 banks now represent about 75 percent of all bank assets Bank Market Structure (cont’d) Bank participation in financial conglomerates Some commercial banks have acquired other types of financial service firms Conglomerates are composed to various units offering specialized services Impact of the Financial Services Modernization Act The Act gave banks and other financial service firms more freedom to merge, without having to divest some of the financial services that they acquired The Act allowed financial institutions to offer a diversified set of financial services Bank Market Structure (cont’d) Benefits of diversified services to individuals and firms Individuals and firms have various financial needs that they can now satisfy with one conglomerate Some financial conglomerates specialize in the services desired by individuals or large firms Benefits of diversified services to financial institutions Financial . | Chapter 17 Commercial Bank Operations Financial Markets and Institutions, 7e, Jeff Madura Copyright ©2006 by South-Western, a division of Thomson Learning. All rights reserved. Chapter Outline Commercial banks as financial intermediaries Bank market structure Bank sources of funds Uses of funds by banks Off-balance sheet activities International banking Commercial Banks as Financial Intermediaries Commercial banks serve all types of surplus and deficit units Offer deposit accounts with the size and maturity characteristics desired by surplus units Repackage funds received from deposits to provide loans of the size and maturity desired by deficit units Bank Market Structure Banks are continuing to consolidate: Interstate regulations were changed in 1994 to allow banks more freedom to acquire banks across state lines Competition among banks increased Banks needed to become more efficient as a means of survival Acquisitions were a convenient method to grow quickly The number of .