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Chapter 1 An Overview of Commercial Banks ¡­¡­¡­¡­¡­ 1

Section 1 Introduction to Commercial Banks¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­ 2

Section 2 Organizational Structure of Banks¡­ ¡­¡­¡­¡­¡­¡­¡­¡­ 11

Section 3 Functions of Commercial Banks¡­ ¡­¡­¡­¡­¡­¡­¡­¡­¡­ 22

Section 4 Bank Supervision¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­ 25

Chapter 2 Management of Capital¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­41

Section 1 Introduction ¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­ 42

Section 2 Basel Accords¡­ ¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­ 46

Section 3 Planning to Meet Capital Needs¡­ ¡­¡­¡­¡­¡­¡­¡­¡­¡­ 58

Chapter 3 Management of Liquidity and Reserve ¡­ ¡­¡­77

Section 1 Introduction¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­ 78

Section 2 The Demand for and Supply of Liquidity¡­¡­¡­¡­¡­¡­¡­ 79

Section 3 Strategies for Liquidity Management¡­¡­¡­¡­¡­¡­¡­¡­ 81

Section 4 Estimating Liquidity Needs¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­ 85

Section 5 Legal Reserve and Management of Money Position¡­ ¡­ 90

Chapter 4 Management of Liabilities¡­¡­¡­¡­¡­¡­¡­¡­ 105

Section 1 Overview of Liabilities¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­ 106

Section 2 Bank Deposits¡­ ¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­ 108

Section 3 Bank Borrowings¡­ ¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­ 121

Chapter 5 Management of Loans ¡­ ¡­¡­¡­¡­¡­¡­¡­¡­ 143

Section 1 Loans and Loan Policies¡­ ¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­ 144

Section 2 Loan Procedures¡­ ¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­ 148

Section 3 Loan Types¡­ ¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­ 151

Section 4 Loan Evaluation¡­ ¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­ 156

Section 5 Loan Pricing¡­ ¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­ 163

Section 6 Loan Risk Management¡­ ¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­ 166

Section 7 An Overview of Securitization of Loans¡­ ¡­¡­¡­¡­¡­¡­ 171

Chapter 6 Off-balance Sheet Business ¡­ ¡­¡­¡­¡­¡­¡­ 189

Section 1 Risk-free Off-balance Sheet Business¡­ ¡­¡­¡­¡­¡­¡­¡­ 190

Section 2 Risky Off-balance Sheet Business¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­ 203

Chapter 7 Risk Management and Internal Control ¡­¡­ 227

Section 1 Introduction¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­ 228

Section 2 Risk Types¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­ 230

Section 3 Risk Management ¡­ ¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­ 237

Section 4 Internal Control ¡­ ¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­ 246

Á·Ï°Ìâ´ð°¸¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­ 265

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