Commercial Banking: Distinct Value, Roles, and Methods is a thorough, applied, and accessible introduction to the modern theory and practice of financial intermediation as enabled by commercial banks. This textbook considers key issues in banking, regulation, coping with bank risk, competition amongst banks, global banking, careers in banking, and future directions. Throughout the book, emphasis is placed on differentiating between bank and non-bank financial firms, the impact of technology on banking, evolving regulatory environments, the economic importance of banking, and innovation in banking services.
Perfect for undergraduate, graduate level, and professional courses in banking, bank management, and commercial banking, this book is reinforced with full-color figures, charts, tables, learning objectives, and key term definitions, as well as lecture slides hosted on an accompany instructor site to support teaching and understanding.
Part I. The value, roles, and methods of banking
1. What Do Banks Do?
2. The Main Roles of Banking
3. The Main Methods of Banking
4. The Originate-to-Distribute (OTD) Model
Part II. Key issues in banking
5. Systemic Risks, Cycles, and Crises
6. Systemically Important Banks
7. Central Banking
8. Banking in the U.S.
9. International Banking
Part Ill. Coping with bank risk for bank managers and prudential authorities
10. How Risks Are Managed
11. Interest Rate Risks and Other Market Risks
12. Credit Risk
13. Operational Risk
14. Liquidity Risk
15. Leverage Risk
16. Suggestions for Improving Risk Management
Part IV. Banking competition
17. Static Competition with Other Banks
18. Static Competition with Other Financial Institutions and Markets
19. Dynamic Competition for Innovation in Banking
Part V. Banking topics of the future
20. Distinct Value in the Digital Future - Banks Versus Digital Financial Firms (DFFs)
21. The "Expect the Unexpected" Framework for Banking Policy
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