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Lecture Financial institutions, instruments and markets (7e): Chapter 2 - Christopher Viney, Peter Phillips

Chapter 2 - Commercial banks. In this chapter, the learning objectives are: Evaluate the functions and activities of commercial banks, identify the main sources and uses of funds for commercial banks, outline the nature and importance of banks’ off-balance-sheet business,. | Chapter 2 Commercial Banks Websites: www.apra.gov.au www.asic.gov.au www.accc.gov.au www.rbnz.govt.nz www.anz.com.au www.commbank.com.au www.nab.com.au www.westpac.com.au Learning objectives Evaluate the functions and activities of commercial banks Identify the main sources and uses of funds for commercial banks Outline the nature and importance of banks’ off-balance-sheet business Examine the main risk exposures and consider related issues of regulation and prudential supervision of banks (cont.) Learning objectives (cont.) Understand the background and application of the capital adequacy standards Examine liquidity management and other controls applied by APRA Understanding the standardised approach to credit risk Analyse business continuity risk Discuss the importance of corporate governance and ethics in the context of Australian financial institutions Chapter organisation 2.1 Main activities of commercial banking 2.2 Sources of funds 2.3 Uses of funds 2.4 Off-balance-sheet business 2.5 Regulation and prudential supervision 2.6 Background to capital adequacy standards 2.7 Basel II capital accord 2.8 Liquidity management and other supervisory controls 2.9 Summary 2.1 Main activities of commercial banking Overview: Commercial banks provide a full range of financial services In the modern financial system, the activities of commercial banks are far less regulated than they have been historically In a less regulated environment, commercial banks practice ‘liability management’ whereby shortfalls in loan demand are borrowed on the capital markets The regulation of the banking sector attracted renewed attention following the GFC (cont.) 2.1 Main activities of commercial banking (cont.) Importance of banks High level of regulation prior to the mid-1980s constrained their development and led to growth of non-bank financial institutions Largest share of assets of all institutions, but understated without considering off-balance-sheet transactions, . | Chapter 2 Commercial Banks Websites: www.apra.gov.au www.asic.gov.au www.accc.gov.au www.rbnz.govt.nz www.anz.com.au www.commbank.com.au www.nab.com.au www.westpac.com.au Learning objectives Evaluate the functions and activities of commercial banks Identify the main sources and uses of funds for commercial banks Outline the nature and importance of banks’ off-balance-sheet business Examine the main risk exposures and consider related issues of regulation and prudential supervision of banks (cont.) Learning objectives (cont.) Understand the background and application of the capital adequacy standards Examine liquidity management and other controls applied by APRA Understanding the standardised approach to credit risk Analyse business continuity risk Discuss the importance of corporate governance and ethics in the context of Australian financial institutions Chapter organisation 2.1 Main activities of commercial banking 2.2 Sources of funds 2.3 Uses of funds 2.4 .