The Bank Credit Analysis Handbook

A graduate of Berkeley and Harvard Law School, Jonathan Golin is Vice President of Thomson BankWatch Asia in Hong Kong. Prior to joining BankWatch in 1997, Jonathan was affiliated to the Economist Intelligence Unit's Asian division. Jonathan Golin was the editor and contributing author of Capital Flows Along the Mekong: A Guide to Investment in Vietnam, Cambodia, Laos, and Myanmar (1995) and has written numerous articles for the Asian Wall Street Journal and Vietnam Business Journal. He is a contributing author to the 1999 Chase Guide to Corporate Treasury.

Acknowledgments; Preface; Introduction; The Role of the Bank Credit Analyst: Assessing the Creditworthiness of Banks; An Overview and Introduction to Bank Credit Analysis: Source Materials and Disclosure; Deconstructing a Bank's Financial Statements, Part One: Understanding the Income Statement; Deconstructing a Bank's Financial Statements, Part Two: The Balance Sheet; Introduction to Bank Credit Analysis: The CAMEL Model; Earnings & Profitability: Evaluating Overall Performance. Earnings & Profitability: Evaluating the Interest Income and Non-Interest Income Components of Revenue; An Introduction to Asset Quality: Non-Performing Loans and the Credit Cycle; Qualitative Review of Asset Quality; Quantitative Review of Asset Quality; Capital: Cushion Against Loss; Capital Adequacy: The Basel Accord and Proposed Changes; Funding and Liquidity, Part I: Liquidity and Asset-Liability Management; Funding and Liquidity, Part II: Funding the Bank and Ratio Analysis; Management and the Bank Visit; The Risk Management Context: The Practical Application of Credit Assessments; The Banking Environment: Sovereign Risk, Systemic Concerns and Approaches to Government Regulation; The Regulatory Regime: The Contours of Prudential Regulation of Banks; The Distressed Bank, Part I: Introduction to Restructuring; The Distressed Bank, Part II: Aims and Methods of Restructuring; The Distressed Bank, Part III: Recapitalization; The Distressed Bank, Part IV: Illustrative Approaches to Restructuring-Malaysia and South Korea; The Distressed Bank, Part V: Illustrative Approaches to Restructuring-Indonesia and Thailand; Rating the Bank, Part I: The Ratings Industry and its Rationale; Bank Rating Types and Symbologies: A User's Guide; Fixed Income Analysis Applied to Financial Institutions; E-Banking: The Internet and the Future of the Bank; Appendix A: Sources and Further Reading; Appendix B: Bank Analysis Toolbox - Ratio Compendium; Appendix C: The New Basel Capital Accord: The January 2001 Proposal Due for Implementation by 2004; Appendix D: Glossary; Index