Understanding International Bank Risk

Foreword.
 
About the Author.
 
1 The Banking Background.
 
1.1 Different types of banks and their risk profile.
 
1.2 Primary causes of bank failure.
 

1.3 Bank failures - the four aces.
 
1.4 The macroeconomic environment.
 
2 The Rating Framework.
 
2.1 What is a rating?
 
2.2 The development of ratings.
 
2.3 Background to rating agencies.
 
2.4 The rating analytical framework.
 
2.5 How the rating agencies analyse bank risk.
 
3 The Regulatory Framework.
 
3.1 Banking system: structure, governing law, and regulations.
 
3.2 Core principles for effective banking supervision.
 
3.3 Risk management.
 
3.4 Basle Capital Adequacy and international convergence.
 
4 The Analytical Framework.
 
4.1 Introduction.
 
4.2 Financial criteria - the key factors.
 
4.3 Understanding the bank's balance sheet.
 
5 Bankscope and Comparative Techniques.
 
5.1 Bankscope spreadsheet analysis.
 
5.2 Bankscope ratios and ratio analysis.
 
5.3 Bank peer group analysis.
 
5.4 Problems with intercountry comparisons.
 
6 Country and Political Risk.
 
6.1 Country risk.
 
6.2 Political risk.
 
6.3 Typical sovereign ratings process.
 
7 The World of E-finance.
 
7.1 A quick definition of e-finance.
 
7.2 CRM - Customer Relationship Management.
 
7.3 STP/CLS.
 
7.4 SWIFT.
 
7.5 Electronic funds transfer.
 
7.6 Online banking.
 
7.7 Day trading.
 
7.8 Smart cards.
 
7.9 Evolution of e-finance.
 
7.10 Origin of e-finance and internet commerce.
 
8 Conclusion.
 
Glossary.
 
Suggested Readings.
 
Appendix I.
 
Appendix II.
 
Appendix III.
 
Index.

ANDREW FIGHT provides financial training and consulting services in the areas of Financial Analysis, Commercial, Syndicated, and Project Finance Lending, Asset Liability Management, Credit Risk Management, and Problem Loan Management.
He has over 15 years of experience in international banking and financial analysis gained in Paris and London with Chase Manhattan Bank, IBCA Rating Agency, Euromoney Training, and the French Banker's Training Institute.
He is a financial trainer and consultant to several banks, central banks, and IT companies, and a successful author, having written over 15 books on financial analysis, banking risk analysis, credit risk management, credit rating agencies, and information technology in financial services.
He divides his time between London, where he works, and his home in the South of France.