The Bank Credit Analysis Handbook: A Guide for Analysts, Bankers and Investors

Overview

From the United States S&L crisis of the '80s and the Asian banking crisis of the '90s, to the recent HSBC money laundering scandal and the LIBOR rate fixing scheme, it seems that hardly a year has gone by over the past three decades that the banking industry hasn't made sensational headlines.

While the financial services industry generally, and banks in particular, continue to provide some of the most attractive investment opportunities in today's global markets, financial ...

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The Bank Credit Analysis Handbook: A Guide for Analysts, Bankers and Investors

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Overview

From the United States S&L crisis of the '80s and the Asian banking crisis of the '90s, to the recent HSBC money laundering scandal and the LIBOR rate fixing scheme, it seems that hardly a year has gone by over the past three decades that the banking industry hasn't made sensational headlines.

While the financial services industry generally, and banks in particular, continue to provide some of the most attractive investment opportunities in today's global markets, financial analysts, investment managers, and savvy investors of every stripe must be especially diligent when assessing the fitness of banking institutions. This is no easy feat, considering that the world of banking has its own conventions and arcane jargon devised, it would seem, to serve no other purpose than to confuse outsiders. It is also important to note that banks don't operate like other types of companies, and investors attempting to make sense of bank income statements and balance sheets can easily become confused, or worse, be led dangerously astray.

Coauthored by a Harvard-trained attorney with years of experience at the world's leading specialist bank rating agency and a past president of Thomson BankWatch Asia, The Bank Credit Analysis Handbook, Second Edition is your hands-on guide to the theory and practice of bank credit analysis and rating.

Clearly, concisely, the authors:

  • Demystify banking terms, concepts, principles and practices for all finance professionals
  • Walk you, step-by-step, through the analysis of bank financial statements
  • Provide an abundance of charts, graphs, and spreadsheet illustrations
  • Explore regional variations, globally, in banking, bank analysis, and bank ratings
  • Describe the roles that bank credit analysts play, as well as the methodologies they use
  • Include international case studies from North America, Asia, and Europe
  • Devote an entire chapter to bank equity analysis
  • Supply a unique, insider's view of the credit assessment and credit rating of financial institutions
  • Arm you with an understanding of the reality behind published financial statements
  • Offer coverage of the Basel Accords on Capital Adequacy and Liquidity and share their view that a bank could be compliant under those and other regulations without being creditworthy.

A uniquely practical guide to bank credit analysis as it is currently practiced around the world, The Bank Credit Analysis Handbook is a must-have resource for equity analysts, credit analysts and bankers, as well as wealth managers and investors.

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Product Details

  • ISBN-13: 9780470821572
  • Publisher: Wiley
  • Publication date: 6/18/2013
  • Series: Wiley Finance Series, #675
  • Edition description: Revised
  • Edition number: 2
  • Pages: 1056
  • Sales rank: 1,295,780
  • Product dimensions: 6.30 (w) x 9.45 (h) x 1.41 (d)

Meet the Author

JONATHAN GOLIN, a graduate of Berkeley and Harvard Law School, has more than fifteen years' experience in the financial sector. He worked at the Economist Intelligence Unit and as a credit analyst at Tokai Asia in Hong Kong before joining Thomson BankWatch Asia in 1997, a specialist rating agency. After BankWatch was absorbed by Fitch Ratings in 2000, Jonathan wrote the first edition of The Bank Credit Analysis Handbook (2002). Subsequently, he relocated to London and established his own bank credit research and training consultancy. Clients included Rabobank, Genworth Financial, Euromoney Training, the African Development Bank, and the Malaysia Deposit Insurance Corporation. More recently, Jonathan was employed by the UK's main bank regulator, the Financial Services Authority (FSA) as a risk specialist. Other books in which he had a lead role include Capital Flows Along the Mekong: The Complete Guide to Investing in Cambodia, Laos, Myanmar, and Vietnam (1995) and Covered Bonds beyond Pfandbriefe: Innovations, Investment and Structured Alternatives (2006).

PHILIPPE DELHAISE, PhD, is the founder of Capital Information Services and the Carbon Management Consulting Group. He was the President of the Asia Division of Thomson BankWatch, and served as an adjunct professor of finance at City University of Hong Kong. Philippe Delhaise is a graduate of the University of Louvain (Belgium), with degrees in engineering, philosophy, and economics, and a graduate of the University of Chicago Booth School of Business. He is currently the President of CTRisks Rating, a licensed rating agency in Hong Kong. In 1998, Wiley published Delhaise's well-received book on the 1997 banking crisis in Asia: Asia in Crisis: The Implosion of the Banking and Finance Systems.

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Table of Contents

Preface to the New Edition vii

CHAPTER 1 The Credit Decision 1

CHAPTER 2 The Credit Analyst 37

CHAPTER 3 The Business of Banking 87

CHAPTER 4 Deconstructing the Bank Income Statement 155

CHAPTER 5 Deconstructing a Bank’s Balance Sheet 215

CHAPTER 6 Earnings and Profitability 261

CHAPTER 7 Asset Quality 337

CHAPTER 8 Management and Corporate Governance 415

CHAPTER 9 Capital 449

CHAPTER 10 Liquidity 493

CHAPTER 11 Country and Sovereign Risk 551

CHAPTER 12 Risk Management, Basel Accords, and Ratings 641

CHAPTER 13 The Banking Regulatory Regime 717

CHAPTER 14 Crises: Banking, Financial, Twin, Economic, Debt, Sovereign, and Policy Crises 781

CHAPTER 15 The Resolution of Banking Crises 847

About the Authors 907

Index 909

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