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A short course of lectures

Currency riskEconomies of scaleMerchant and investment banksHow does a central bank maintain a bank liquidity shortage?Price risk lessened for the ultimate lenderCounterparty riskMoney creation does not start with a bank receiving a depositPrivate banksMoney creationShare capital and unimpaired reserve fundBank liquidity and a "bank run"LoansMonetary policy functionOff-balance-sheet activities that carry riskPromotion of fair and healthy competitionBank modelsExternal riskScreeningInformation technology systems riskShare capital (equity)Stability-related principlesTrading banksDeposit insuranceMoney creationRationale, objectives & principles of regulation Financial intermediariesFundamental issues in bankingRisk in bankingBibliographyObjectives of regulationLoansConsumer confidence and consumer demand for regulationGeneral principlesPromotion of financial stabilityThe balance sheet of a bankThe concept of riskManagement of interest rate riskMoney creation is not dependent on a cash reserve requirementCommercial banksCompensating balances and monitoring of business transactionsBanking statute returns in respect of credit riskBasel II Uniqueness of banksGovernment spendsDefinitionConflict-conciliatory principlesInterest rate repricing gap analysisDefinitionRegulatory-structure principlesOff-balance-sheet activities that carry no or little riskBank models & prudential requirementsLiquid assetsFinancial marketsDiscount housesManagement of credit riskBibliographyPillar 2: supervisory review (regulatory response to Pillar 1)Credit rationingInterest rate riskLoan commitmentsReserve requirementEfficient allocation of fundsFacilitation of flow of fundsSpecialisation in lendingImpeccable recordLearning objectivesDuration analysisSovereign credit riskThe banking statute: prudential requirementsBalance sheet changes resulting from deposit withdrawals and drawdowns on loan facilitiesIslamic banksCompliance riskPrinciples of regulationRole of the central bank in money creationHuman resources riskBroad functions of banksCollateral requirementSupplier demand for regulationLong-term relationship buildingCredit riskIs "money supply" a misnomer?Money creation starts with a bank loanEnhanced liquidityLegal and documentation riskMutual banks / building societiesThe money identity and the creation of moneyImproved diversificationAssistance in price discoveryMoney creationEssence of bankingLearning outcomesActive secondary financial marketsCredit derivativesMarket imperfectionsEconomies of scaleConditions for creation of liquidity Notes and coins depositedMeasures of a bank's liquidity exposureDefinitionLiability and asset portfolio managementLearning outcomesReturnsCentral bank moneyPrinciples of banking AvoidanceMonetary banking institutionsThe cash reserve requirementDevelopment banksOff-balance sheet activities Systemic malfunctionWhat is money?Asymmetry in liquidity preferenceThe central bank and the bank runLiquidity riskCo-operative banksAsymmetric information, adverse selection and moral hazardIdeal and extreme portfoliosAssets RealityDepositsBasel IIIFinancial instrumentsEfficiency-related principlesThe financial system The banking statute: other requirements associated with risk managementPrudential requirementsMicro-credit banksMoney creationOperational riskMonitoringLenders and borrowersPromotion of consumer protectionBibliographyDedicated banksDiversificationMarket riskBasic raison d'être for banks: information costs and liquidity Money and its roleThe moral hazard problemLarge exposuresBibliographyLearning outcomesRationale for regulationBasel accordsAllied participants on the financial systemPillar 3: market discipline (promotes greater stability in the financial system)Payments systemMeasures of moneyPrice discoveryVolume of and the type of liquid assetsReputation riskLiabilities Pillar 1: minimum capital requirementOTC versus securities marketsInformation costsThe banking statute: general
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