Коммерческие банки США в период мирового экономического кризиса

• Номер работы:
  153209
• Раздел:
  Все работы   →   Дипломные работы   →   Английский язык
• Год подготовки:
  20.04.2010
• Объем работы:
  65 стр.
• Содержание:
  Table of Content
  
  Introduction 3
  1. Functioning of the American bank system 5
  1.1. Structure of bank system of the USA 5
  1.2. Commercial banks of the USA: appointment and operations 9
  1.3. Influence of modern world financial crisis 14
  1.3.1. Reasons of crisis phenomena 14
  1.3.2. Forecast of condition of the American bank system 17
  2. Analysis of economic indicators of bank system of the USA 20
  2.1. Analysis of bank statistics 20
  2.2. Bankruptcies, merges and acquisitions in bank sector of the USA 45
  2.3. Financial forecast of separate banks 51
  Sources 63
  
  
• Выдержка из работы:
  2. Analysis of economic indicators of bank system of the USA
  2.1. Analysis of bank statistics
  
  The situation with quality of a credit portfolio of the American banks still remains enough difficult. The financial organisations continue ¬ to spend an essential share of the incomes for reserves on a covering of problem debts. However the situation, from the point of view of experts, ¬ gradually improves: advancing indicators of quality of a credit portfolio continue to specify that in the near future we will see peak of write-offs ¬ and a share of the delayed debts. Experts expect that these peaks will be shown in IV quarter 2009.
  According to the experts, by the current moment the bank system has written off ¬approximately 40-45 % of that will be written off following the results of 4-5 years, since 2007. More others have written off Marshall and llsley (Ml), Fifth Third Bancorp (FITB), Synovus Financial Corp. (SNV) and First Horizon National Corp. (FHN). Experts consider that they already have made more than 70 % of total write-offs.
  Indicators have arrived before creation of a reserve and payment of taxes ¬ 2004-2006 have already returned ¬ close to levels, accordingly, at decrease in the problems connected with quality of a credit portfolio, profits of banks will be close to pre-crisis levels as expenses on reserve creation at present ¬"eat" almost all profit of banks.
  Among additional drivers of growth acts pure percentage margin, the normalised which levels, predictably, are on the average ¬ on 20-25 b.p. Above current levels.
  Conclusion
  
  The crisis of liquidity which have declared in August, 2007, has no historical precedents and samples for comparison. In spite of the fact that the history knew crises and it is more terrible (it far not the first bank crisis), the changed world has appeared not deficiency of a cash ready to tests. Bank crisis of 2008, and then the crisis which has followed it of bank system worldwide seemed called into question reliability of all financial system, did real bankruptcy of banks of any size, any state.
  Earlier comprehensible explanation of the reasons of the next crisis was included into its name – such, as «overproduction crisis». Now it is not capable to reflect the crisis reason. Crisis which storms today, has burst and proceeds because of bursting one for one "bubbles": hypothecary habitation in a segment in the USA, and then and credit – already worldwide, not to mention derivative financial tools. It is important to understand that credit crisis is in essence bank crisis. A habit to inflate monetary weight the unceasing press of banknotes (the USA, Europe and developing countries to a lesser degree), adherence to constant refinancing of any promissory notes at level of the states, a life on credit at level of inhabitants were of use bad service all. Crisis of banks originates here. Alas, credits which so are loved by middle class - dangerous game and the big temptation for banks.