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This pathway will walk us through the basics of banks, starting with some of the different types and their main functions, then starting to look at the regulation faced by the banks, both before and after the Global Financial Crisis.

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Greenwashing is the act of distributing false information about something being more environmentally friendly than it actually is.

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Banking Essentials - Part I

This pathway will walk us through the basics of banks, starting with some of the different types and their main functions, then starting to look at the regulation faced by the banks, both before and after the Global Financial Crisis.

Greenwashing

Greenwashing is the act of distributing false information about something being more environmentally friendly than it actually is.

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Gain CPD / CPE credits and professional certification

Managed learning

Build, scale and manage your organisation’s learning

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Connect Finance Unlocked to your current platform

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More featured content

Tackling the Cost of Living Crisis

In this video, Max discusses the cost-of-living crisis currently enveloping the UK. He examines its impact on households as well as the overall economy.

CSR and Sustainability in Financial Services

In the first video of this two-part video series, Elisa introduces us to sustainability. She begins by looking at the difference between sustainability and corporate social responsibility, two terms that can be easily confused.

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Key Details in a Bank's Annual Report

Key Details in a Bank's Annual Report

Ted Wainman

20 years: CA & educator

In this video, Ted outlines the 5 key things to look for in a bank’s annual report. These include: how a bank funds its loan book; the relationship between the amount of equity and the total assets of the bank; the relationship between net interest income and other income; the amount being spent on costs as a proportion of total income; and whether it is adequately providing for non-performing loans.

In this video, Ted outlines the 5 key things to look for in a bank’s annual report. These include: how a bank funds its loan book; the relationship between the amount of equity and the total assets of the bank; the relationship between net interest income and other income; the amount being spent on costs as a proportion of total income; and whether it is adequately providing for non-performing loans.

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Key Details in a Bank's Annual Report

9 mins 5 secs

Key learning objectives:

  • Identifying whether you are looking at the accounts of a commercial or investment bank

  • Ensuring that the costs are under control

  • Understand the importance of capital adequacy checks

  • Identifying the source of funds

  • Ensuring there is an adequate provision for ‘non-performing loans’

Overview:

The financial statements of a bank company are unlike those of any other organisation. Below are 5 key things to look for when confronted with the accounts of a bank.

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Summary

What is the difference between a commercial bank and an investment bank?

A commercial bank’s profit will primarily come from the difference between the rate paid on deposits and the rates charged on loans; this difference is known as the Net Interest Income.  An investment bank will generate most of its profits from fees.

What is the biggest cost of a bank?

The largest cost of a bank is typically staff.  Ensuring that these costs are covered is essential to profitability.

What is capital adequacy?

Capital adequacy essentially refers to the amount of shareholders’ funds that are available to absorb any losses and ensure that the bank does not default on depositors.

Where do banks get their funds?

Commercial banks are primarily funded through deposits with additional funds gained from issuing bonds.  A third source of funding is inter-bank lending, but should not make up a material proportion of the overall funding model.

How do banks treat non-performing loans?

Statistically not all loans will be repaid.  From missed interest payments to borrowers who have declared bankruptcy, a bank must monitor its loan book and ensure that the provisions for losses on loans are adequate.

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Ted Wainman

Ted Wainman

Ted Wainman trained and qualified as an Associate Chartered Accountant (ACA) with Ernst & Young before joining JPMorgan on the Investment Management side of the business. He since has over 17 years of experience in designing, developing and delivering financial & business skills training workshops for over 275 clients in more than 35 countries.

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