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Bank Funding Strategies
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Book Synopsis Bank Funding Strategies by : Fabrizio Crespi
Download or read book Bank Funding Strategies written by Fabrizio Crespi and published by Springer. This book was released on 2017-11-30 with total page 160 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book illustrates the importance of bonds as a funding tool available to banks. After providing the reader with an overview of the funding strategies adopted during the last ten years by European banks, the book offers a deep focus on the Italian banking industry. Notably, the authors illustrate how bonds have been a primary funding choice for Italian banks, as well as a preponderant asset in Italian households’ portfolios. Furthermore, they highlight the consequences of the adoption of the Bank Recovery and Resolution Directive (BRRD) on the yields offered by bonds of Italian banks. Finally, they conclude the volume with the illustration of very recent case studies about the application of the BRRD to some problematic banks in Italy and the related side effects generated to bank bondholders. All the analyses presented in the book are supported by the use of quantitative data.
Book Synopsis Bank Activity and Funding Strategies by : Asli Demirgüç-Kunt
Download or read book Bank Activity and Funding Strategies written by Asli Demirgüç-Kunt and published by . This book was released on 2016 with total page 66 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper examines the implications of bank activity and short-term funding strategies for bank risk and returns using an international sample of 1,334 banks in 101 countries leading up to the 2007 financial crisis. Expansion into non-interest income generating activities such as trading increases the rate of return on assets, and it may offer some risk diversification benefits at very low levels. Non-deposit, wholesale funding, by contrast, lowers the rate of return on assets, although it can offer some risk reduction at commonly observed low levels of non-deposit funding. A sizeable proportion of banks, however, attract most of their short-term funding in the form of non-deposits at a cost of enhanced bank fragility. Overall, banking strategies that rely prominently on generating non-interest income or attracting non-deposit funding are very risky, which is consistent with the demise of the U.S. investment banking sector.
Book Synopsis Sources of capital and funding strategies for businesses by : Junaid Javaid
Download or read book Sources of capital and funding strategies for businesses written by Junaid Javaid and published by GRIN Verlag. This book was released on 2014-10-08 with total page 40 pages. Available in PDF, EPUB and Kindle. Book excerpt: Project Report from the year 2013 in the subject Business economics - Business Management, Corporate Governance, grade: C, University of Bedfordshire (MSc Finance & Business Management), language: English, abstract: Financial Capital is considered as the superior source of funding required by the firms to begin or to carry its operation. Different theories have been proposed over time to assist managers in making the financing decision. In this regard the Pecking Order theory is the prominent one, which urged the company to give Retained Profit as the first priority whenever the company face the situation to raise capital. Debt is the only attractive alternative which not only supports the company to start and survive but also helps it to expand its operations with the intension of challenging the leaders of the specified industry. The capability of the company to finance its working capital is the major concern which is the main endeavour of finance manager to resolve. It is a essential requirement for the company to settle the account with the supplier of the fund before entering the agreement. The source of capital for Working Capital can be divided in to four main classes (Internal Financing, Security Financing, Loan Financing and other financing sources). It has been understood from the Case Study section, that Royal Bank of Scotland (RBS), Lloyds TSB and HBOS would undergo the Bailout package which would not only give the government the stakes within the Bank but also would permitted them to control and monitor compensation and financial plan closely with the help of their appointed Board of Directors. On the other hand Barclays, which would be hoped to avoid government support is looking more resistant to raise £6.5 Billion through private investor and also would scrapped its year 2008 dividend with the initiative of saving £2 Billion. It has been found out that Royal Bank of Scotland (RBS), Lloyds TSB and HBOS are more interested in going for Security financing in meeting its working capital needs, whereas Barclays is looking enthusiastic for utilising Loan Financing for the purpose of Sourcing of Capital. It has been cleared that only relying on one source of capital would be a risky option for both new & incumbents in any industry. This point may be cleared through the occurrence of situation where the company needed to repay the associated funds acquired from the one specific source sooner than the company’s plans and projections where the company must look for other sources which would not only make possible for the company to meet its working capital needs but also to weaken the supplier of funds power as well.
Book Synopsis The Transmission of Liquidity Shocks by : Mr.Philippe D Karam
Download or read book The Transmission of Liquidity Shocks written by Mr.Philippe D Karam and published by International Monetary Fund. This book was released on 2014-11-19 with total page 38 pages. Available in PDF, EPUB and Kindle. Book excerpt: We analyze the transmission of bank-specific liquidity shocks triggered by a credit rating downgrade through the lending channel. Using bank-level data for US Bank Holding Companies, we find that a credit rating downgrade is associated with an immediate and persistent decline in access to non-core deposits and wholesale funding, especially during the global financial crisis. This translates into a reduction in lending to households and non-financial corporates at home and abroad. The effect on domestic lending, however, is mitigated when banks (i) hold a larger buffer of liquid assets, (ii) diversify away from rating-sensitive sources of funding, and (iii) activate internal liquidity support measures. Foreign lending is significantly reduced during a crisis at home only for subsidiaries with weak funding self-sufficiency.
Book Synopsis Innovative Strategies for Implementing FinTech in Banking by : Albastaki, Yousif Abdullatif
Download or read book Innovative Strategies for Implementing FinTech in Banking written by Albastaki, Yousif Abdullatif and published by IGI Global. This book was released on 2020-08-28 with total page 367 pages. Available in PDF, EPUB and Kindle. Book excerpt: FinTech is encouraging various new practices, such as diminishing the use of cash in different countries, increasing rate of mobile payments, and introducing new algorithms for high-frequency trading across national boundaries. It is paving the way for new technologies emerging in the information technology scene that allow financial service firms to automate existing business processes and offer new products, including crowdfunding or peer-to-peer insurance. These new products cater to hybrid client interaction and customer self-services, changing the ecosystem by increasing outsourcing for focused specialization by resizing and leading to new ecosystems and new regulations for encouraging FinTech. However, such new ecosystems are also accompanied by new challenges. Innovative Strategies for Implementing FinTech in Banking provides emerging research exploring the theoretical and practical aspects of technology inclusion in the financial sector and applications within global financing. It provides a clear direction for the effective implementation of FinTech initiatives/programs for improving banking financial processes, financial organizational learning, and performance excellence. Featuring coverage on a broad range of topics such as artificial intelligence, social financing, and customer satisfaction, this book encourages the management of the financial industry to take a proactive attitude toward FinTech, resulting in a better decision-making capability that will support financial organizations in their journey towards becoming FinTech-based organizations. As such, this book is ideally designed for financial analysts, finance managers, finance administrators, banking professionals, IT consultants, researchers, academics, students, and practitio
Book Synopsis Bank Activity and Funding Strategies by : Asli Demirgüç-Kunt
Download or read book Bank Activity and Funding Strategies written by Asli Demirgüç-Kunt and published by . This book was released on 2009 with total page 65 pages. Available in PDF, EPUB and Kindle. Book excerpt: "This paper examines the implications of bank activity and short-term funding strategies for bank risk and returns using an international sample of 1,334 banks in 101 countries leading up to the 2007 financial crisis. Expansion into non-interest income generating activities such as trading increases the rate of return on assets, and it may offer some risk diversification benefits at very low levels. Non-deposit, wholesale funding, by contrast, lowers the rate of return on assets, although it can offer some risk reduction at commonly observed low levels of non-deposit funding. A sizeable proportion of banks, however, attract most of their short-term funding in the form of non-deposits at a cost of enhanced bank fragility. Overall, banking strategies that rely prominently on generating non-interest income or attracting non-deposit funding are very risky, which is consistent with the demise of the U.S. investment banking sector."--World Bank web site.
Book Synopsis Bank Financial Management by : George H. Hempel
Download or read book Bank Financial Management written by George H. Hempel and published by . This book was released on 1991-02-28 with total page 534 pages. Available in PDF, EPUB and Kindle. Book excerpt: Provides up-to-date coverage of the primary aspects of bank financial management. Fundamental financial instrumental techniques, such as basic asset investment and funding instruments, basic mathematics for measuring costs and yields, and interest and yield curve analysis are covered. Shows managers how to evaluate bank performance, then details the elements of bank asset and bank liability management. New financial alternatives and strategies are covered, including funding alternatives, pricing off balance sheet items, and contingent claims products. International banking and foreign exchange are also discussed. In addition, it deals with bank mergers and acquisitions, interest sensitivity and interest rate risk, and their impact on integrative bank financial management decisions.
Book Synopsis Bank Activity and Funding Strategies by : Asli Demirg????-Kunt
Download or read book Bank Activity and Funding Strategies written by Asli Demirg????-Kunt and published by . This book was released on 2012 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper examines the implications of bank activity and short-term funding strategies for bank risk and returns using an international sample of 1,334 banks in 101 countries leading up to the 2007 financial crisis. Expansion into non-interest income generating activities such as trading increases the rate of return on assets, and it may offer some risk diversification benefits at very low levels. Non-deposit, wholesale funding, by contrast, lowers the rate of return on assets, although it can offer some risk reduction at commonly observed low levels of non-deposit funding. A sizeable proportion of banks, however, attract most of their short-term funding in the form of non-deposits at a cost of enhanced bank fragility. Overall, banking strategies that rely prominently on generating non-interest income or attracting non-deposit funding are very risky, which is consistent with the demise of the U.S. investment banking sector.
Book Synopsis Bank Activity and Funding Strategies: the Impact on Risk and Return by : Aslı Demirgüç-Kunt
Download or read book Bank Activity and Funding Strategies: the Impact on Risk and Return written by Aslı Demirgüç-Kunt and published by . This book was released on 2009 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Creating Value in Financial Services by : Edward L. Melnick
Download or read book Creating Value in Financial Services written by Edward L. Melnick and published by Springer Science & Business Media. This book was released on 2012-12-06 with total page 486 pages. Available in PDF, EPUB and Kindle. Book excerpt: Creating Value in Financial Services is a compilation of state-of-the-art views of leading academics and practitioners on how financial service firms can succeed in today's competitive environment. The book is based on two conferences held at New York University: the first, `Creating Value in Financial Services', held in March 1997, and the second, `Operations and Productivity in Financial Services', in April 1998. The book is essentially designed to be a compendium of leading edge thinking and practice in the management of financial services firms. There is no book today that has this focus. It contains ideas that can apply to other service industries. Topics addressed are increasingly important worldwide as the financial services industries consolidate and search for innovative new directions and ways to create value in a fiercely competitive environment.
Book Synopsis The Handbook of Financing Growth by : Kenneth H. Marks
Download or read book The Handbook of Financing Growth written by Kenneth H. Marks and published by John Wiley & Sons. This book was released on 2005-05-31 with total page 514 pages. Available in PDF, EPUB and Kindle. Book excerpt: An in-depth look at the strategies, capital structure, and fund raising techniques for emerging growth and middle-market companies. Here is a comprehensive and practical guide to understanding and applying the basics of corporate finance to emerging growth and middle-market companies. Using empirical data and actual company cases to illustrate capital structures and financing approaches, the book provides a detailed discussion of the many funding instruments, from traditional bank loans and asset-based financing to different types of private equity and other creative solutions; the types of funding sources and their expected rates of returns; and typical deal terms.
Book Synopsis Community Banking Strategies by : Vince Boberski
Download or read book Community Banking Strategies written by Vince Boberski and published by John Wiley & Sons. This book was released on 2010-08-31 with total page 198 pages. Available in PDF, EPUB and Kindle. Book excerpt: A guide for community banks to rebuild and strengthen their business With Wall Street reeling and big banks under pressure, community banks have an opportunity to strengthen their position in the marketplace. By reconnecting with local businesses and consumers, increasing core deposits, and carefully managing their investments and balance sheets, community banks can attract underserved clients from larger competitors. With Community Banking Strategies, author Vincent Boberski???a financial professional who has spent years working with senior management and the boards of directors at local banks???skillfully reveals how community banks can compete against bigger institutions in the wake of the most significant financial crisis since the 1930s. Beginning with a novel analysis of community banks and their relationship to both national and global financial competitors, he insightfully places the meltdown of the financial markets and the resulting Great Recession into a historical context. With a bold look into the future, Boberski outlines the risks and trends that will shape both the industry and the economy as a whole. He sets clear strategic goals that will allow community bank managers, directors, and investors to profit from a broad localization of American finance. Chapter by chapter, Boberski offers practical advice on many of the most important issues in this area, including portfolio management, balance sheet management, and dealing with interest rate and credit cycles. Along the way, Boberski also offers in-depth insights on establishing and encouraging the lasting client relationships that produce the most essential piece of the banking business: core deposits, the heart of any good local bank. Engaging and informative, Community Banking Strategies will help you: Become familiar with the strategies, products, and tactics that will enable community banks to create opportunities out of market dislocations and effectively manage risk Capture consistently profitable growth at the expense of regional and national competitors Transform newfound market dynamics into customer relationships that touch both sides of the balance sheet And much more Written in a straightforward and accessible style, this reliable resource is a must-read for community bank executives, directors, investors, and the brokers who work with them. If you want to gain a better understanding of the strategies that consistently lead to success in this field, this book is the best place to start.
Book Synopsis Bank Activity And Funding Strategies by : David Dollar
Download or read book Bank Activity And Funding Strategies written by David Dollar and published by . This book was released on 2002 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Bank Strategy on Funding and Liability by : Soetanto Hadinoto
Download or read book Bank Strategy on Funding and Liability written by Soetanto Hadinoto and published by Elex Media Komputindo. This book was released on 2013-02-13 with total page 354 pages. Available in PDF, EPUB and Kindle. Book excerpt: "Sumber dana bagi bank yang berupa dana masyarakat seperti giro, tabungan dan deposito serta dana pinjaman dari pihak ketiga dengan menerbitkan surat utang ditambah modal sendiri adalah sangat penting fungsinya bagi bank dan bahkan sering dikatakan sebagai darah bagi bank untuk menghidupi operasional perbankan. Apabila dilihat dari Neraca bank yang secara periodik diumumkan di surat kabar, sumber-sumber dana tadi dapat dilihat di sisi Pasiva-nya. Manajemen Pasiva atau Liability Management atau sering juga disebut sebagai Treasury Management yang intinya merupakan suatu proses pengelolaan sumber dana bank yang berasal dari masyarakat dan pihak ketiga lainnya."
Book Synopsis Strategic problems faced by banks. How to prevent future crises by : Arno Hetzel
Download or read book Strategic problems faced by banks. How to prevent future crises written by Arno Hetzel and published by GRIN Verlag. This book was released on 2017-11-15 with total page 15 pages. Available in PDF, EPUB and Kindle. Book excerpt: Seminar paper from the year 2017 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, School of Oriental and African Studies, University of London (CeFIMS), language: English, abstract: In this paper, issues of banking strategy as possible contributors to bank failures in the recent financial crisis will be examined. The relevant strategic models which led to the tumbling of banks will be discussed in order to give a clear advice on how to prevent future crises. For a better understanding of this specific area, there will be at first a brief explanation of strategy in banks.
Book Synopsis Access to Bank Credit and SME Financing by : Stefania Rossi
Download or read book Access to Bank Credit and SME Financing written by Stefania Rossi and published by Springer. This book was released on 2016-12-02 with total page 352 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book explores how the global financial and European sovereign debt crises have forced small-and-medium-sized businesses (SMEs) to reassess and adapt their funding strategies. At the heart of the matter is the worsening access to bank credit for such enterprises. Through this discussion we learn how crucial an understanding of SME-financing is to policy makers, in light of the fact that SMEs dominate the business landscape in Europe and are the main drivers of employment, growth and innovation in the European economy. Contributing chapters present expert analysis and investigate many topics including the problems faced by SMEs in accessing bank credit and the cost of funding and its determinants. Particular attention is also given to how credit-constrained enterprises may reformulate their funding strategies by employing alternative, non-bank, financial resources, and how regulators could support SMEs in broadening and improving their funding opportunities.
Book Synopsis The Handbook of Financing Growth by : Kenneth H. Marks
Download or read book The Handbook of Financing Growth written by Kenneth H. Marks and published by John Wiley & Sons. This book was released on 2009-08-07 with total page 934 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Second Edition of The Handbook of Financing Growth has been designed to help leaders and advisors gain a solid understanding of the financing strategies, sources, and transactions that will allow them to excel in such an unpredictable environment. Written by an experienced group of practitioners who operate within this dynamic market and fully updated to reflect new market realities this reliable resource outlines the full spectrum of funding alternatives currently available to emerging growth and middle-market companies and presents the practical strategies and techniques you need to be aware of when considering the capitalization, growth, or sale of your, or your client's, company. New material found in this Second Edition includes detailed discussions of positioning a business for value creation before the transaction and how your financing strategy fits into the overall plan for growing and raising capital as well as creating an exit. Among various techniques, the authors address buyouts and recapitalizations as two alternatives to create shareholder liquidity and potentially finance future growth. A new chapter on M&A addresses the acquisition process and how to fund acquisitions and external growth initiatives, while additional case studies highlight bank financing alternatives and growth equity.
