In addition to the introduction and conclusions, the thesis is structured into 03 chapters as follows: Chapter 1 General issues about the market risk management of commercial banks; Chapter 2 Market risk management in Vietnam Joint Stock Commercial Bank for Industry and Trade; Chapter 3 Solutions to improving ability of the market risk management at Vietnam Joint Stock Commercial Bank for Industry and Trade.
Social funds have also proven to be effective in forging partnerships with the private sector
and with community groups to help the poor help themselves. In fact, social funds are reaching
areas and groups heretofore untouched by public sector interventions, demonstrating that par-
ticipatory development can be both cost-effective and quick. Social funds, however, should not
be seen as a magic wand that will eradicate poverty. They can only be truly effective when
combined with sustainable economic policies and investments in people.
The parallel thematic sessions on May 27 and on May 28 presented the unique opportunity
for participants to focus and interact on a set of specific issues identified as priorities for social
funds. Initiated by session leaders, who drew upon their experiences managing social funds,
the sessions addressed the key issues with the assistance of professional facilitators from the
Learning and Leadership Center. The presence of resource persons drawn from the World
Bank staff active in project design and supervision contributed to the quality of the discus-
The factors that determine the level of commercial bank lending rates are important
concerns to policy makers, the banking industry and the public at large. From a policy
perspective, lower lending rates are desirable, as they tend to have a positive influence on
new and existing investments, improve the competitiveness of Jamaican businesses and
contribute to growth and development. These welfare effects would lead to generally
higher living standards and financial surpluses.
Chapter 11 - Commercial banks: Industry overview. This chapter provided an overview of the major activities of commercial banks and recent trends in the banking industry. Commercial banks rely heavily on deposits to fund their activities, although borrowed funds are becoming increasingly important for the largest institutions.
On the basis of clarifying the general theoretical issues about market risk, methods of identifying, measuring and controlling market risk, thesis proposed solutions to improving market risk management ability at Vietnam Joint Stock Commercial Bank for Industry and Trade in accordance with international practices.
Second, the sample period in this study covers a full business cycle, thereby
providing a better indication of the relative variability of lending activities experienced by
commercial banks over this period. Brewer, Minton, and Moser (2000) document a universal
downward trend of C&I lending over a sample period of 1985 to 1992, a period during which
the economy experienced a significant cyclical downturn.
This problem will not be solved by calls for more stress tests and scenarios or by new principles of liquidity management. You need a definition of (narrow) regulatory liquidity and a quantitative benchmark for it. I have some ideas on how such a liquidity standard could be designed so that commercial banks and investment banks have adequate owned liquidity, don’t hoard that liquidity, and don’t draw unduly on the Fed for liquidity support.7 We should seek an international agreement on liquidity standards, but until we get it, we should impose our own national standard....
The original BLS commercial banking output index in-
cluded the number of transactions occurring in three main
areas of banking activity: deposits, loans, and trusts.
deposits, output was based on the number of time and sav-
ings deposits, checks cleared, and electronic funds transfers.
For loans, output was measured as the number of real estate
loans, consumer loans, commercial and industrial loans, and
credit card transactions.
Historical development of the banking system, financial innovation and the growth of the shadow banking system, structure of the U.S. commercial banking industry, bank consolidation and separation of the banking, international banking,... is the main content of the lecture "Banking Industry: Structure and Competition". Invite you to consult the detailed content lectures to capture details.
The Institutional System of Protection (ISP), established by Decree-law 6/2010 offers an
effective instrument to bring together a group of credit entities in order to pool their risk
management strategies and develop risk sharing strategies. In the special case of saving
banks, this system is organised around a central entity in the form of a commercial bank
which will pool their risk management strategies, risk sharing and will have full access to
financial markets, including raising capital. Thus, the ISP increases the ability to access
markets in order to obtain equity.
Brewer, Minton, and Moser (2000), we evaluate an equation relating the determinants of C&I
lending and the impact of derivatives on C&I lending activity. The major finding in this
study is that the interest-rate derivatives allow commercial banks to lessen their systematic
exposure to changes in interest rates, which enables banks to increase their lending activities
without increasing the total risk level faced by the banks. This consequently increases the
banks’ abilities to provide more intermediation services.
Asset management industry in Thailand has followed the omega model as defined by Bogle
(2004) by which the distribution of returns and benefits from managing mutual funds are explored. As
Thailand is the bank base economy, major Thai asset management companies are commercial bank
capital market arms. We defined asset management companies (AMC) associated with commercial
bank as bank related (BR) AMC. Often, questions regarding products variety and competitive situation
among Thai AMC are raised and there is no research explores or answers the aforementioned
This is an industry that is still evolving, developing, and growing. It has gone from
commercial banking to syndicated transactions and equities, and more recently, into debt
issuance and structured products. Its sophistication and product offerings have developed
along with this change. At an earlier stage, industry growth was in part a reflection of
economic growth in the Islamic world, fuelled primarily by oil wealth. This created a
growing middle-wealth segment and hence made banking a necessary service to the larger
segment of the population.
The sample of banks includes FDIC-insured commercial banks with total assets
greater than $300 million as of March 1996. Of these institutions, banks that have no
commercial and industrial loans are excluded. The sample ranges from 942 banks in March
of 1996 to 467 banks in December of 2004. Institutions that are liquidated during the sample
period are included in the sample before liquidation and excluded from the sample for the
periods after liquidation. Banks that merge during the sample period are included in the
For a long while, commercial banks have been reluctant to get involved in microfinance. On other hand
savings banks and socially committed retail banks often lack expertise in microlending and microinsur-
ance. However, the performance of some industry players and “pioneer experiences” by mainstream
banks over the recent years has demonstrated that microfinance can be both socially-efficient and
profitable when well-managed.
The savings banks in Europe were entities that were established in order to
capture savings. This set them apart from the credit cooperatives and other mutual banks
which aimed to provide better access to credit for their associates.
The savings banks,
because they were non-profit entities, financed their capital via donations and adopted
this institutional set up precisely in order to protect their ‘commercial’ clients, that is,
their depositors. This occurred simply because the donations only took place at the
outset of the savings banks’ activity.
Islamic scholars have been critically examining the modus operandi of modern commercial
banks ever since their establishment in the Muslim world in the last decade of the nineteenth
century. As time passed, the consensus emerged among the scholars that the system was
against the principles of Shar¯ı´ah, mainly because of paying/charging returns on loans and
As documented in both panels of Table 5, AMCs related to large Thai commercial banks (LBs)
dominate mutual fund industry. Large AMCs associated with Thai commercial banks (LBs) have
largest market share in both fixed income and equity funds. For equity mutual funds, LBs possess
38.13% market share in 2006 and their market shares grow to 52.79% in 2010. The same pattern of
high growth in market share of LB is also found for fixed income mutual funds, 58.14 to 2006 to
75.82% in 2010. Strong distribution channel of commercial bank is one of the mutual growth
To conclude this section, given full financial services of commercial banks, AMCs associated
with commercial banks (BR) dominate mutual fund industry in Thailand. Three determinants of mutual
funds growth besides funds performance are distribution channel, reputation of parent company, and
effective communication between potential investor and fund representative.