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The Principles of Banking By Moorad Choudhry

The Principles of Banking by Moorad Choudhry

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* An essential book for the international banking community as it seeks to re-establish its credibility and put its house in order.

The Principles of Banking Summary

The Principles of Banking by Moorad Choudhry

The ultimate guide for bank management: how to survive and thrive throughout the business cycle An essential guide for bankers and students of finance everywhere, The Principles of Banking reiterates that the primary requirement of banking sound capital and liquidity risk management had been forgotten in the years prior to the financial crash. Serving as a policy guide for market practitioners and regulators at all levels, the book explains the keys to success that bankers need to follow during good times in order to be prepared for the bad, providing in-depth guidance and technical analysis of exactly what constitutes good banking practice. Accessible to professionals and students alike, The Principles of Banking covers issues of practical importance to bank practitioners, including asset-liability management, liquidity risk, internal transfer pricing, capital management, stress testing, and more. With an emphasis on viewing business cycles as patterns of stable and stressful market behavior, and rich with worked examples illustrating the key principles of bank asset-liability management, the book is an essential policy guide for today and tomorrow. It also offers readers access to an accompanying website holding policy templates and teaching aids. * Illustrates how unsound banking practices that were evident in previous bank crashes were repeated during the creation of the 2007-2008 financial market crisis * Provides a template that can be used to create a sound liquidity and asset-liability management framework at any bank * An essential resource for the international banking community as it seeks to re-establish its credibility, as well as for students of finance * Explains the original principles of banking, including sound lending policy and liquidity management, and why these need to be restated in order to avoid another bank crisis at the time of the next economic recession * Covers topics of particular importance to students and academia, many of which are marginally if ever addressed in current text books on finance * Offers readers access to a companion website featuring invaluable learning and teaching aids Written by a banking practitioner with extensive professional and teaching experience in the field, The Principles of Banking explains exactly how to get back to basics in risk management in the banking community, essential if we are to maintain a sustainable banking industry. engaging and interesting and, more importantly, easily understood, allowing a clear picture to emerge of how the principle or concept under discussion is to be applied in the real world. - Graeme Wolvaardt, Head of Market & Liquidity Risk Control, Europe Arab Bank Plc

The Principles of Banking Reviews

It serves as a template and policy guide for regulators as well as practitioners.' (Securities and Investment Review, June 2012) Provides a clear, up-to-date and comprehensive account of the subject, incorporating all significant issues in banking regulation and practice offers a fresh yet authoritative approach to the subject that renders it a key resource for all those studying banking. (, July 2012) A useful tool for advanced banking students and managers Highly recommended. (Financial World, July 2012)

About Moorad Choudhry

Moorad Choudhry is Treasurer, Corporate Banking Division at The Royal Bank of Scotland. He is Visiting Professor at the Department of Mathematical Sciences, Brunel University; Visiting Professor at the Department of Economics, London Metropolitan University; and Visiting Teaching Fellow at the Department of Management, Birkbeck, University of London. He is a Fellow of the Chartered Institute for Securities & Investment and a Fellow of the ifs-School of Finance. He lives in Surrey, England.

Table of Contents

Forewords xiii Preface xvii Acknowledgements xxiii About the Author xxv PART I A PRIMER ON BANKING 1 CHAPTER 1 A primer on bank business and balance sheet risk 3 CHAPTER 2 Bank regulatory capital 75 CHAPTER 3 Banking and credit risk 131 CHAPTER 4 A primer on securitisation 179 CHAPTER 5 The yield curve 221 PART II BANK ASSET AND LIABILITY MANAGEMENT 351 CHAPTER 6 Asset liability management I 353 CHAPTER 7 Asset liability management II 385 CHAPTER 8 Asset liability management III: Trading and hedging principles 445 CHAPTER 9 Asset liability management IV: The ALCO 493 CHAPTER 10 The ALCO: Terms of reference and treasury operating model 503 CHAPTER 11 Risk reporting, risk policy and stress testing 531 PART III BANK LIQUIDITY RISK MANAGEMENT 587 CHAPTER 12 Principles of bank liquidity management 589 CHAPTER 13 Liquidity risk metrics 653 CHAPTER 14 Liquidity risk reporting and stress testing 687 CHAPTER 15 Internal funds pricing policy 715 PART IV BANK STRATEGY AND GOVERNANCE 759 CHAPTER 16 Bank strategy I: Formulating strategy and direction 761 CHAPTER 17 Bank strategy II: Capital and funding management 801 CHAPTER 18 Principles of corporate governance 831 PART V APPLICATIONS SOFTWARE, POLICY TEMPLATES AND TEACHING AIDS 861 CHAPTER 19 Applications software, policy templates and spreadsheet models 863 Afterword 867 List of terms and their abbreviations 869 Index 875

Additional information

The Principles of Banking by Moorad Choudhry
John Wiley & Sons Inc
Book picture is for illustrative purposes only, actual binding, cover or edition may vary.
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Customer Reviews - The Principles of Banking