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The Bank Credit Analysis Handbook: A Guide for Analysts, Bankers and Investors, 2nd Edition by Philippe Delhaise, Jonathan Golin

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Contents

Preface to the New Edition

Chapter 1: The Credit Decision

Definition of Credit

Willingness to Pay

Evaluating the Capacity to Repay: Science or Art?

Categories of Credit Analysis

A Quantitative Measurement of Credit Risk

Chapter 2: The Credit Analyst

The Universe of Credit Analysts

Role of the Bank Credit Analyst: Scope and Responsibilities

Credit Analysis: Tools and Methods

Requisite Data for the Bank Credit Analysis

Spreading the Financials

Additional Resources

Camel in a Nutshell

Chapter 3: The Business of Banking

Banks as Lenders

Banks as Financial Service Providers

Chapter 4: Deconstructing the Bank Income Statement

Anatomy of a Bank Income Statement: An Overview

A Further Dissection

Income Statements Under IAS

Chapter 5: Deconstructing a Bank’s Balance Sheet

Key Differences Between the Balance Sheets of Banks and Nonfinancial Companies

The Essential Line Items of the Bank Balance Sheet: Asset Side

The Essential Line Items of the Bank Balance Sheet: Liability Side

Off-Balance-Sheet Items and Derivatives

Chapter 6: Earnings and Profitability

The Importance of Earnings

Evaluating Earnings and Profitability: An Overview

Earnings Analysis

Profitability Ratio Analysis

Profitability: An Illustration of a Peer Analysis

Macro-Level Influences on Bank Profitability

Micro-Level Influences on Bank Profitability

Quality of Earnings

Chapter 7: Asset Quality

Asset Quality and NPLS: An Introduction

Resolution of NPLS

Accounting for NPLS

What Causes Excessive NPLS

Macroeconomic Influences ...

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