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COMMERCIAL BANKS (Uses of Funds by Banks (Bank Loans (Business loans…
COMMERCIAL BANKS
Uses of Funds by Banks
Bank Loans
Loans supporting Leveraged Buyouts
Consumer Loans
Installment loans
credit cards
Loan Participations
Real Estate Loans
Business loans
Working capital loan/self-liquidating loan
Term loans
Direct lease loans
Revolving credit loan
Investment in Securities
Treasury and Agency Securities
Corporate and Municipal Bonds
Mortgage-backed securities (MBS)
Cash
Other uses
Repurchase Agreement
Eurodollar Loans
Federal funds sold
Fixed Assets
Distribution of Bank Uses of Funds
Off-balance sheet activities
Loan Commitments
Standby Letters of Credit
Forward Contracts on Currencies
Interest Rate Swap Contracts
Credit Default Swap Contracts (CDS)
Bank sources of funds
Borrowed Funds
Federal Funds Purchased (or borrowed)
Borrowing from the Federal Reserve Banks
Repurchase Agreements (Repo)
Eurodollar Borrowings
Long-Term Sources of Funds
Bonds issued by the bank
Bank capital
Deposit Accounts
Transaction deposits
Demand deposit account/Checking account
Negotiable order of withdrawal (NOW)
Savings deposits
Passbook savings account
not permit check writing
no required minimum balance
Time deposits
cannot be withdrawn until a specified maturity date
Certificates of Deposit (retail CD)
Negotiable Certificates of Deposit
Money Market Deposit Accounts
Money market deposit accounts (MMDAs)
Distribution of Bank Sources of Funds
Definitions and functions
Definitions
Functions
Cash management function
Insurance function
Payments function
Brokerage function
Credit function
The guarantor function
Thrift or saving function
Investment banking
The system of commercial banks in Vietnam