Академический Документы
Профессиональный Документы
Культура Документы
Balance Sheet
41. Financial statements to be submitted to Bank.
Asset
Cash 38. Maintenance of liquid assets 36. Maintenance of reserve fund. Loans 60. Grant of secured and unsecured credit facilities. 61. Restriction of credit to single customer. 62. Prohibition of credit facilities to director and officer. 63. Restriction on giving of credit facilities. Investment 66. Restrictions on investments. Other Assets 39. Maintenance of assets in Malaysia
Liabilities
Deposits 25. Receiving, taking or acceptance of deposits prohibited except under and in accordance with a valid licence granted under section 6 (4). 34. Deposits to be subject to specified minimum or maximum period, minimum or maximum amount, and other specified terms and conditions.
Equity
37. Maintenance of capital funds.
turnover exceeding even markets with far higher capitalization like the NYSE.
Economic Contraction
Financial Crisis
Expectations at the time were that the growth rate would continue, propelling Malaysia to a Developed Country status by 2020, a government policy articulated in Wawasan 2020. At the start of 1997:
the KLSE Composite index was above 1,200, the ringgit Ringgit 2.50 to the dollar, Overnight rate was below 7%.
Credit Risk
Non Performing Loans
3 months vs 6 months
Commercial Bank
Finance Company Merchant Bank
Currency Risk
Observe the net interest income and net interest margin Observe the provisions for losses
Assingment
Based on the example of PBB Annual Report, state the purpose of the balance sheet and the income statement Identify the key features of the financial statements of banks. Identify the differences between items reported in the financial statement of Hong Leong Islamic Bank and PBB (conventional bank)
Takeaways o Importance of a banks financial statement o Bank vs non-bank financial statement o Items reported in the financial statement o Reasons for bank regulation
Thank You