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Unit of measure * Footnote Source: Source Working Draft - Last Modified 26.06.2007 21:39:06 ? ? ● Financial English 2014 CONFIDENTIAL Document Date This report is solely for the use of client personnel. No part of it may be circulated, quoted, or reproduced for distribution outside the client organization without prior written approval from McKinsey Company. This material was used by McKinsey Company during an oral presentation; it is not a complete record of the discussion. Working Draft Bank Management 2014 Financial English Chapter 9 Prepared by Shen Xiaotao, SWUN Learning Objectives By the end of this chapter, you should be able to know about: ★ objective of bank management; ★ chief risks banks incur; ★ bank performance Structure Introduction Risks Bank Performance Introduction -- What is the objective of bank management? -- According to this part, what does solvency require? Important Points The objective of bank management is to maximize profits subject to the constraint of remaining solvent and not going out of business. 银行管理的目标是在保持偿付能力并且不停业的限制条件下，实现利润的最大化。 This implies earning more on the bank’s assets than paying on its deposit liabilities,… 这意味着银行的资产收益大于其存款负债成本… Important Points interest rate spread 利差 return on assets (ROA) 资产收益率 return on equity (ROE) 股本回报率；股东权益回报率 in conjunction with 结合 Important Points highest-yielding loans 最高收益率贷款 incur 招致；遭遇 incur debts 负债 incur a heavy loss 蒙受很大损失 any losses incurred risks that banks incur …will be charged against capital and not against deposits. 将冲抵资本而不是存款。 Questions 1.What are the chief risks t
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