- Главная
- Разное
- Дизайн
- Бизнес и предпринимательство
- Аналитика
- Образование
- Развлечения
- Красота и здоровье
- Финансы
- Государство
- Путешествия
- Спорт
- Недвижимость
- Армия
- Графика
- Культурология
- Еда и кулинария
- Лингвистика
- Английский язык
- Астрономия
- Алгебра
- Биология
- География
- Детские презентации
- Информатика
- История
- Литература
- Маркетинг
- Математика
- Медицина
- Менеджмент
- Музыка
- МХК
- Немецкий язык
- ОБЖ
- Обществознание
- Окружающий мир
- Педагогика
- Русский язык
- Технология
- Физика
- Философия
- Химия
- Шаблоны, картинки для презентаций
- Экология
- Экономика
- Юриспруденция
3 презентация
Содержание
There are three interrelated challenges to operating an exceptional bank: a (1) revenue growth, (2) robust risk management, and (3) efficiency. (1) (2) (3)
Слайд 2
There are three interrelated challenges to operating
an exceptional bank:
a
(1)
revenue growth,
(2) robust risk management, and
(3) efficiency.
(2) robust risk management, and
(3) efficiency.
(1)
(2)
(3)
Efficiency
Revenue
Risk Management
Слайд 3
The first two, revenue growth and risk management,
work against each
other, as the fastest way for a bank
to increase revenue is to lower credit standards. This
allows a bank to write more loans, but exposes it to
higher credit risk down the road.
to increase revenue is to lower credit standards. This
allows a bank to write more loans, but exposes it to
higher credit risk down the road.
Efficiency
Revenue
Risk Management
Слайд 4Efficiency
Revenue
Risk Management
A bank accordingly must balance these two imperatives,
generating enough
revenue in the short-run to meet
profitability targets (usually an ROE of 10% or more)
w/out jeopardizing profitability over a longer stretch,
during which the credit cycle is likely to turn down.
profitability targets (usually an ROE of 10% or more)
w/out jeopardizing profitability over a longer stretch,
during which the credit cycle is likely to turn down.
=
Слайд 5
Banks can make this balancing act easier by keeping
operating costs
low. This is captured by the efficiency
ratio, which reflects the percentage of a bank’s net
revenue that’s consumed by expenses.
ratio, which reflects the percentage of a bank’s net
revenue that’s consumed by expenses.
Efficiency
Revenue
Risk Management
Слайд 6Revenue
Risk Management
Because a bank with a low efficiency ratio presumably
has
a higher profit margin than its less efficient peers, it
can afford to compete more aggressively for the most
creditworthy borrowers. As such, efficient banks are
able to reduce credit risk and dial up revenue growth.
can afford to compete more aggressively for the most
creditworthy borrowers. As such, efficient banks are
able to reduce credit risk and dial up revenue growth.
Efficiency
Слайд 7
Thus, if there’s one thing bankers and bank investors
should keep
at the forefront of their minds, it’s the
importance of a low efficiency ratio. As the diagram
illustrates, this serves as the foundation upon which
exceptional banks are built.
importance of a low efficiency ratio. As the diagram
illustrates, this serves as the foundation upon which
exceptional banks are built.
Efficiency
Revenue
Risk Management
Слайд 8
Looking for more information like this?
The Motley Fool’s mission is to
help the world invest better. We’ve done this over
the past 20 years by thinking long term and outside the box – even if that means
turning Wall Street on its head. To learn more about what The Motley Fool thinks
about current investment trends, and receive a special free report about what
might be the next big industry to come out of Silicon Valley, just click here now.
the past 20 years by thinking long term and outside the box – even if that means
turning Wall Street on its head. To learn more about what The Motley Fool thinks
about current investment trends, and receive a special free report about what
might be the next big industry to come out of Silicon Valley, just click here now.
