The Bank Credit Analysis Handbook: A Guide for Analysts, Bankers and Investors [Illustrated] [Hardcover]

Jonathan Golin (Author)

Book Description

ISBN-10: 0471842176 | ISBN-13: 978-0471842170 | Publication Date: August 20, 2001

A hands-on guide to the theory and practice of bank credit analysis and ratings

A bank's creditworthiness is important to a large number of individuals - from ordinary depositors to equity and fixed income investors, as well as other banks. In this timely book, Jonathan Golin explains the role of bank credit analysts and the methodology of their practice. He elaborates on the application of the industry standard CAMEL model to bank credit analysis with the help of charts, graphs, and spreadsheet illustrations. International case studies are also presented to help readers gain a global perspective on the world of bank credit analysis.

Jonathan Golin was the editor and contributing author of Capital Flows Along the Mekong: A Guide to Investment in Vietnam, Cambodia, Laos, and Myanmar (1995) and has written numerous articles for the Asian Wall Street Journal and Vietnam Business Journal. He is a contributing author to the 1999 Chase Guide to Corporate Treasury.

Editorial Reviews

Review

“…For analysts of financial institutions, this book is a must buy…” (Financial World, 1 November 2004)

About the Author

A graduate of Berkeley and Harvard Law School, Jonathan Golin is Vice President of Thomson BankWatch Asia in Hong Kong. Prior to joining BankWatch in 1997, Jonathan was affiliated to the Economist Intelligence Unit's Asian division.

Jonathan Golin was the editor and contributing author of Capital Flows Along the Mekong: A Guide to Investment in Vietnam, Cambodia, Laos, and Myanmar (1995) and has written numerous articles for the Asian Wall Street Journal and Vietnam Business Journal. He is a contributing author to the 1999 Chase Guide to Corporate Treasury.

Product Details

• Hardcover: 350 pages
• Publisher: John Wiley & Sons (August 20, 2001)
• Language: English
• ISBN-10: 0471842176
• ISBN-13: 978-0471842170
• Product Dimensions: 9.3 x 6.7 x 1.8 inches
• Shipping Weight: 2.7 pounds
• Average Customer Review: 4.2 out of 5 stars  See all reviews (4 customer reviews)
• Amazon Best Sellers Rank: #1,233,218 in Books (See Top 100 in Books)

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Customer Reviews

Most Helpful Customer Reviews

20 of 22 people found the following review helpful:

5.0 out of 5 stars A Creditable Analysis, October 28, 2001

By 

R. Fox - See all my reviews
(REAL NAME)   

This review is from: The Bank Credit Analysis Handbook: A Guide for Analysts, Bankers and Investors (Hardcover)

Mr. Golin has written an easily readable and comprehensive guide to an obscure subject. He assumes only a general knowledge of finance and takes the user step-by-step through the analysis of a bank's financial statements, an approach that probably makes this book as useful to equity analysts as it should be to credit analysts of financial institutions. He has a rare perspective, that of an american lawyer (from Harvard Law School) who has grappled with investment analysis of corporations in south east Asia. As a result, many of the examples in the long section on distressed banks are drawn from the Asian economic crisis. Nevertheless the scope of the work is global. He deals with the continuing development of world-wide bank regulation and the role and function of rating agencies. Last, but not least, the appendices contain useful definitions and a good bibliography. For analysts of finanical institutions his book should be a 'strong buy'.

6 of 7 people found the following review helpful:

4.0 out of 5 stars A good book for a first insight in banks' financial analysis, September 24, 2004

By 

Dr. F.Pasiouras (Greece) - See all my reviews

This review is from: The Bank Credit Analysis Handbook: A Guide for Analysts, Bankers and Investors (Hardcover)

I bought this book 3 years ago, when I started by PhD. At that time I knew nothing about banks' financial statements analysis and the book consequently become as it says a "Guide", in my early steps in the topic. I still go back from time to time to re-read some issues. Thus, I would recommend the book to those interesting in getting a first insight into banks' financial analysis. They will find the first 14 chapters quite useful. Chapters 15-27 examine other issues, such as the environment, distressed banks in Asia, the rating industry among others. How useful the later can be highly depends on what the reader is looking for.

2 of 2 people found the following review helpful:

5.0 out of 5 stars If you want to understand how banks work, this book is for you, August 12, 2009

By 

Mariusz Skonieczny "Author" (Schaumburg, IL) - See all my reviews
(REAL NAME)   

This review is from: The Bank Credit Analysis Handbook: A Guide for Analysts, Bankers and Investors (Hardcover)

I read this book because I was interested in investing in bank stocks during 2009 when the market was panicking about our government nationalizing banks. Banks operate differently than other companies in different industries. When investors look at the income statement and balance sheet of banks, they might easily get confused because these financials look different. This book changes it all. After reading this book, readers will learn how banks make money, how to read banks' financial statements, how to differentiate between excellent and mediocre banks and much more. After reading this, it became apparent why Warren Buffett likes Wells Fargo and US Bancorp. The profits that I made on both Wells Fargo and US Bancorp stocks far outweighed the cost of this book. I highly recommend this book to anyone interested in learning about banks.

- Mariusz Skonieczny, author of Why Are We So Clueless about the Stock Market? Learn how to invest your money, how to pick stocks, and how to make money in the stock market