Part 1 An introduction to the business of banking 1 An overview of banks and their services 2 The impact of government policy and regulation on banking 3 The organization and structure of banks and their industry 4 The financial statements of a bank 5 Measuring an evaluating bank performance Part 2 Asset-liability management techniques and hedging against interest rate risk 6 Asset-liability management techniques and hedging against interest rate risk 7 Financial futures, options, swaps, and other asset-liability management techniques Part 3 Managing the bank’s investment portfolio and liquidity position 8 The investment function in banking 9 Liquidity and reserve management strategies and policies Part 4 Managing bank sources of funds 10 Managing deposit services 11 pricing deposit services 12 Managing non-deposit liabilities and other sources of bank funds 13 Of-balance-sheet financing in banking: new technique and new problems 14 Management of a bank’s equity capital position Part 5 Providing loans to businesses and consumers 15 Bank lending: policies and procedures 16 Lending to business firms 17 Pricing business loans 18 Consumer and real estate lending 19 Pricing consumer and real estate loans Part 6 The bank’s organizational structure and service options: choosing a channel for future growth 20 Expanding bank service outlets: establishing new banks, branches, and automated facilities 21 Bank mergers and acquisitions 22 International banking Appendix A: Banking cases