Download presentation
Presentation is loading. Please wait.
1
ENTREPRISE: CHIFFRES-CLÉS & BILAN
2
Machines Stocks Factures
3
Machines Crédits Stocks Factures Factures
4
Machines Crédits Stocks Factures
5
Capital Machines Crédits Stocks Factures Factures
6
Capital Machines Crédits Stocks Factures Factures
7
THE BANKING SYSTEM OVERVIEW HOW BANKS OPERATE BANKING BUSINESS
BANKS, MARKET AND STATE BASIC FUNCTIONS OF BANKS MONEY MARKET AND CENTRAL BANK HOW BANKS OPERATE BALANCE SHEET STRUCTURE LIQUIDITY RISK - CREDIT RISK CASE STUDY: THE ZYPRUS BANK FAILURE BANKING BUSINESS BALE (I-II-III) REGULATION CREDIT RISK ASSESSMENT CASE STUDY: MAKING OF A CREDIT DECISION EUROPEAN CENTRAL BANK STATUS AND MANDATE ECB’s TOOL BOX CASE STUDY: THE JUNE 2014 MEASURES BANKS & MARKETS STOCKS AND BONDS SECURITIZATION CASE STUDY: THE SUBPRIME CRISIS
8
Bilan
9
THE BANKING SYSTEM Need For Working Capital Company F Assets Equity
STOCKS Stocks Credit Suppliers Receivables RECEIVABLES Overdraft SUPPLIERS Cash Need For Working Capital
10
THE BANKING SYSTEM B A Analysis of Solvency
EQUITY FIXED ASSETS CREDIT > ONE YEAR B STOCKS Analysis of Solvency A RECEIVABLES SUPPLIER CREDIT Need for Short-Term Credit Facility = A - B
11
THE BANKING SYSTEM Analysis of Solvency B/S After B/S Before Stocks
EQUITY Stocks Credit Receivable Suppliers Overdraft Increase Of O/D
12
BANQUE CENTRALE MARCHÉS ÉTAT
Investisseurs BANQUE CENTRALE MARCHÉS ÉTAT MARCHÉ INTERBANCAIRE FINANCE INFLATION BANQUES CROISSANCE CREDIT ENTREPRISES
13
THE BANKING SYSTEM CENTRAL BANK
MONEY MARKET THREE CONDITIONS FOR BANKS TO DISTRIBUTE CREDIT CONDITION ENOUGH EQUITY (Basel/Bâle Agreements) CONDITION ACCESS TO MONEY MARKET CONDITION « QUALITY » OF BORROWER BANK CREDIT COMPANY
15
THE BANKING SYSTEM STATE MARKET CENTRAL BANK Investors BANK COMPANY
MONEY MARKET INFLATION BANK GROWTH CREDIT COMPANY
16
R BANKS & MARKETS CD Receivables R Supplier Credit Customer Deposits
Company Clients R Stocks R SC CD Fixed Assets Equity Customer Deposits Supplier Credit Bank Credit Cash
17
THE BANKING SYSTEM Company B Company A R SC Supplier Credit
18
THE BANKING SYSTEM OVERVIEW HOW BANKS OPERATE BANKING BUSINESS
BANKS, MARKET AND STATE BASIC FUNCTIONS OF BANKS MONEY MARKET AND CENTRAL BANK HOW BANKS OPERATE BALANCE SHEET STRUCTURE LIQUIDITY RISK - CREDIT RISK CASE STUDY: THE ZYPRUS BANK FAILURE BANKING BUSINESS BALE (I-II-III) REGULATION CREDIT RISK ASSESSMENT CASE STUDY: MAKING OF A CREDIT DECISION EUROPEAN CENTRAL BANK STATUS AND MANDATE ECB’s TOOL BOX CASE STUDY: THE JUNE 2014 MEASURES BANKS & MARKETS STOCKS AND BONDS SECURITIZATION CASE STUDY: THE SUBPRIME CRISIS
19
RISK THE BANKING SYSTEM R E G U L A T I O N RISK - FINANCE THE ECONOMY
PRESERVE PUBLIC ORDER R E G U L A T I O N RISK RISK RISK RISK
20
THE BANKING SYSTEM BANK EQUITY CREDIT OUTSTANDING R
21
THE BANKING SYSTEM Bale I - 1988 Cooke Ratio (G10)
EQUITY > 8% x CREDIT Bale II Mc Donough Ratio EQUITY > 8% (CREDIT + MARKET OPS) Bale III Liquidity Coverage Net Stable Funding Ratios
22
THE BANKING SYSTEM 1 – Capacity To Pay Annuities ?
CASH-FLOW 2 – Risk Of Bankrupcy ? SOLVENCY RATIO 3 – If Bankrupcy ? ASSETS - THIRD PARTY GUARANTIES
Similar presentations
