By Hennie Van Greuning, Sonja Brajovic Bratanovic
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Additional info for Analyzing Banking Risk: A Framework for Assessing Corporate Governance and Financial Risk, 3rd Edition
3 Balance Sheet Growth, Year-on-Year Fluctuations Balance Sheet Composition – year-on-year fluctuations 2001 2002 2003 Cash and balances with central and commercial banks Base year -16% 7% Trading securities Base year 49% Loans and receivables Base year 21% Real estate assets Base year 53% Investments in associates, subsidiaries and joint ventures Base year 2004 2005 2006 66% 74% -12% 14% 8% -25% 165% 21% 43% 62% 25% -10% 8% -5% 137% 119% Other assets Base year 77% 40% 107% -17% 82% Total assets Base year 28% 16% 34% 40% 50% Customers' deposits Base year 29% 17% 25% 34% 43% Due to banks and other financial institutions Base year 12% 32% 334% 194% 13% Other liabilities Base year 14% 11% 49% 27% 94% Sundry creditors Base year 22% 26% 11% 166% 82% Total equity Base year 28% 8% 75% 29% 130% Total liabilities and capital Base year 28% 16% 34% 40% 50% Variations of Trend Analysis Changes in currency and percentages focus the analysis on material items.
T hree i nterrelated f unctions a re c ritical t o mo netary st ability: t he implementation of monetary policy, the supervision of banks, and monitoring of the payments system. A ll three functions must take place to ensure stability. Banking supervision therefore cannot be divorced from the wider mission of mo netary au thorities. A lthough t he a ttention o f c entral ba nking p olicy focuses on the macroeconomic aspect of general equilibrium and price stability, micro considerations of individual banks’ liquidity and solvency are key to attaining stability.
Poor governance increases the likelihood of bank failures. Bank failures may impose significant public cost, affect deposit insurance schemes, and increase contagion risks. Banks a nd ba nking may a ffect t he w elfare of a si gnificant p ercentage of t he world’s population. Banks’ corporate governance arrangements, therefore, can influence e conomic de velopment. S ound cor porate g overnance c an c reate a n enabling environment that rewards banking efficiency, mitigates financial risks, and increases systemic stability.
Analyzing Banking Risk: A Framework for Assessing Corporate Governance and Financial Risk, 3rd Edition by Hennie Van Greuning, Sonja Brajovic Bratanovic