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Aus Cap: ADIs (Bank performance (NIM, CIR, ROA & ROE, LDR, PE, CAR),…
Aus Cap: ADIs
Bank performance
NIM
CIR
ROA & ROE
LDR
PE
CAR
Banks
Commercial Banks
Central Banks
Investment Banks
Other type
Shadow Banks
Sources and uses of bank funding
Off balance sheet business
Bank liabilities (source of funds)
Bank assets (use of funds)
Liquidity purpose
related to loans and advances
other assets (e.g: PPE)
Financial claim scheme (deposit guarantee by gov't)
Home Lending (see slides)
Credit assesment
Bank Lending
Using credit scoring
Definition of NPL
Payday loans
P2P and B2B lending
Bank Market Structure
Aussie banks internationally
Foreign banks
Mutual ADIs
Definition
banks not the only one who can take deposit and make loans
Authorised Deposit Taking Institutions (ADIs) include banks
Credit creations
how banks create money
reserve needed (regulated by basel iii)
Business Lending
Fully drawn advances (term loan)
Revolving credit facilities (roll-over)
Loan Covenants
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