Banking and Financial Institutions​
CONTENTS
Contents Preface . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . x Features ............................................. xi UNIT I FOUNDATION OF BANKING AND FINANCIAL INSTITUTIONS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 CHAPTER 1: OVERVIEW OF THE FINANCIAL ENVIRONMENT . . . . . . . . . . . . . . . . 2 Discussion 1.1: The Nature of Financial System. . . . . . . . . . . . . . .3 Discussion 1.2: The Role of Financial Markets. . . . . . . . . . . . . . . .7 Discussion 1.3: Functions of the Financial Institutions . . . . . . . . .11 Discussion 1.4: Global Financial Crisis. . . . . . . . . . . . . . . . . . . . .15 Chapter Summary. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .16 Chapter Test . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .17 CHAPTER 2: PHILIPPINE FINANCIAL SYSTEM . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19 Discussion 2.1: The Development of Philippine Financial System. . . . . . . . . . . . . . . . . . . . . . . . .20 Discussion 2.2: Structure of the Philippine Financial System. . . . . . . . . . . . . . . . . . . . . . . . .22 Discussion 2.3: The Nature of Philippine Financial System. . . . . . . . . . . . . . . . . . . . . . . . .25 Chapter Summary. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .30 Chapter Test . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .31
CHAPTER 3: BANGKO SENTRAL NG PILIPINAS . . . . . . . . . . . . . . . . . . . . . . . . . . 33 Discussion 3.1: Introduction to Bangko Sentral ng Pilipinas. . . . .34 Discussion 3.2: Monetary Policy. . . . . . . . . . . . . . . . . . . . . . . . . .37 Discussion 3.3: Determination and Structure of Interest Rates . . . . . . . . . . . . . . . . . . . . . . . . .39 Discussion 3.4: The Role of BSP . . . . . . . . . . . . . . . . . . . . . . . . .43 Chapter Summary. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .44 Chapter Test . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .45 CHAPTER 4: BANKS AND BANKS PERSPECTIVE . . . . . . . . . . . . . . . . . . . . . . . . . 48 Discussion 4.1: Historical Perspective Worldwide. . . . . . . . . . . . .49 Discussion 4.2: Classification and Functions of Banks. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .52 Discussion 4.3: Non-deposit Liabilities . . . . . . . . . . . . . . . . . . . . .57 Discussion 4.4: Bancassurance . . . . . . . . . . . . . . . . . . . . . . . . . .59 Chapter Summary. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .61 Chapter Test . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .61 UNIT II BANKS AND NONBANKS AND THEIR TYPES . . . . . . . 65 CHAPTER 5: BANK OPERATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 66 Discussion 5.1: Bank Regulation . . . . . . . . . . . . . . . . . . . . . . . . .67 Discussion 5.2: Bank Management and Supervision . . . . . . . . . .72 Discussion 5.3: Banking Risks and Risks Management. . . . . . . .78
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2025 Higher Education Learning Solutions for the Business and Accountancy Program 17
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