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OSU BA 441 - LECTURE NOTES

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IntroductionFirst Day IntroductionCourse IntroductionSimulationSlide 5Banking FundamentalsBanking GoalsFinancial InstitutionsCommercial BanksBank ServicesBank’s Main ActivityAssignment for Next TimeIntroductionFirst Day IntroductionCourseSimulationIntroductionCourse IntroductionSyllabus–Course Description–Required Resources–Grading–Tentative ScheduleSimulationStanford Bank Game–Simulated Bank Operation–Management Team ExperienceSimulationConcentration on:–Mechanics: Capital, Cost of Funds, Maximizing Fee Income –Management: People Issues, Time Management and Delegation, “Stick-with-it-ness” and what to do when “you really don’t know” and that’s ok!Banking FundamentalsSPREAD:Investment Return – Cost of FundsInvestment Return mainly from Loans and SecuritiesCost of Funds mainly from Capital and Borrowed FundsBanking GoalsProfitability (Not Size!)–Spread  4% +–ROA  1-1.5%–ROE  12% +Solvency–Capital to Assets 7-8%(No More, No Less)Financial InstitutionsCommercial BanksInvestment BanksSavings and LoansCredit UnionsInsurance CompanyMutual FundCommercial Banks“Accept Deposits and Make Loans”–But Also FDIC Insured & Fed RegulatedGlobal/International/Money Center–ChaseFull Service–BankAmericaRetail/Consumer–CitizensLimited Purpose / Mono-line–Credit Cards, Ag LoansBank ServicesPaymentsIntermediationOther Services–Guarantees–Insurance–Securities–Trust–Other Fin’l Svcs we will discussBank’s Main ActivityMaximize Shareholder Wealth–By managing Credit, Interest Rate, Liquidity, Operational, Capital and Fraud Risk–Subject to constraints from Market Competition, Social structures and Regulatory requirementsAssignment for Next TimeGo to Class Webpage (Syllabus)Go to Jan. 11th entryClick on, print and bring to


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OSU BA 441 - LECTURE NOTES

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