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Introduction

Introduction. Course Introduction. Syllabus Course Description Required Resources Grading Tentative Schedule. Simulation. Stanford Bank Game Simulated Bank Operation Management Team Experience. Simulation. Concentration on: Mechanics: Capital, Cost of Funds, Maximizing Fee Income

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Introduction

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  1. Introduction

  2. Course Introduction • Syllabus • Course Description • Required Resources • Grading • Tentative Schedule

  3. Simulation • Stanford Bank Game • Simulated Bank Operation • Management Team Experience

  4. Simulation • Concentration on: • Mechanics: Capital, Cost of Funds, Maximizing Fee Income • Management: People Issues, Time Management and Delegation, “Stick-with-it-ness” and what to do when “you really don’t know” and that’s ok!

  5. Banking Fundamentals • SPREAD: Investment Return – Cost of Funds Investment Return mainly from Loans and Securities Cost of Funds mainly from Capital and Borrowed Funds

  6. Banking Goals • Profitability (Not Size!) • Spread  4% + • ROA  1-1.5% • ROE  12% + • Solvency • Capital to Assets 7-8% (No More, No Less)

  7. Balance Sheet

  8. Income Statement

  9. Assignment for Next Time • Go to Class Webpage (Syllabus) • Go to Jan 10th entry • Click on, print and bring to class Y1Q4Output.pdf

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