The bank credit analysis handbook: a guide for analysts, bankers, and investors / Jonathan L Golin and Philippe Delhaise.

Preface to the New Edition vii CHAPTER 1 The Credit Decision 1 CHAPTER 2 The Credit Analyst 37 CHAPTER 3 The Business of Banking 87 CHAPTER 4 Deconstructing the Bank Income Statement 155 CHAPTER 5 Deconstructing a Bank's Balance Sheet 215 CHAPTER 6 Earnings and Profitability 261 CHAPTER 7 Asset Quality 337 CHAPTER 8 Management and Corporate Governance 415 CHAPTER 9 Capital 449 CHAPTER 10 Liquidity 493 CHAPTER 11 Country and Sovereign Risk 551 CHAPTER 12 Risk Management, Basel Accords, and Ratings 641 CHAPTER 13 The Banking Regulatory Regime 717 CHAPTER 14 Crises: Banking, Financial, Twin, Economic, Debt, Sovereign, and Policy Crises 781 CHAPTER 15 The Resolution of Banking Crises 847 About the Authors 907 Index 909

The handbook of theory and practice in bank credit analysis and ratings, fully updated and revised The Bank Credit Analysis Handbook, Second Edition explains the role and methodologies of bank credit analysts, giving both investors and practitioners an insider's perspective on how rating agencies assign all-important credit ratings to banks.