{"product_id":"financial-services-firms-governance-regulations-valuations-mergers-and-acquisitions-hardback-9780470604472","title":"Financial Services Firms; Governance, Regulations, Valuations, Mergers, and Acquisitions (Hardback) 9780470604472","description":"\u003cfont face=\"Georgia\"\u003e\r\n\u003cp\u003e\u003cfont size=\"6\"\u003eFinancial Services Firms\u003c\/font\u003e\u003cbr\u003e\r\n\u003cfont size=\"5\"\u003eGovernance, Regulations, Valuations, Mergers, and Acquisitions\u003c\/font\u003e\u003c\/p\u003e\r\n\r\n\r\n\r\n\r\n\u003cp\u003e\u003cfont size=\"4\"\u003eZabihollah Rezaee (Author)\u003c\/font\u003e\u003c\/p\u003e\r\n\r\n\u003cp\u003e\u003cfont size=\"3\"\u003e9780470604472, Wiley\u003c\/font\u003e\u003c\/p\u003e\r\n\r\n\u003cp\u003e\u003cfont size=\"3\"\u003eHardback, published 26 August 2011\u003c\/font\u003e\u003c\/p\u003e\r\n\r\n\u003cp\u003e\u003cfont size=\"3\"\u003e608 pages\u003cbr\u003e25.9 x 18.8 x 4.6 cm, 1.22 kg\u003c\/font\u003e\u003c\/p\u003e\r\n\r\n\r\n\r\n\r\n\r\n\u003cp align=\"justify\"\u003e\u003cstrong\u003e\u003cfont size=\"3\"\u003e\u003cb\u003eIndispensable coverage of new federal regulatory reforms and federal financial issues\u003c\/b\u003e \u003cp\u003e\u003cb\u003eAn essential guide covering new federal regulatory reforms and federal financial issues\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e\u003ci\u003eFinancial Institutions, Valuations, Mergers and Acquisitions, Third Edition\u003c\/i\u003e presents a new regulatory framework for financial institutions in the post-bailout era.\u003c\/p\u003e \u003cul\u003e \u003cli\u003eProvides valuable guidance to assess risks, measure performance and conduct valuations processes to create shareholder value\u003c\/li\u003e \u003cli\u003eCovers the protection of other stakeholders, including customers, regulators, government, and consumers\u003c\/li\u003e \u003cli\u003eOffers an up-to-date understanding of financial institutions, their challenges, and their opportunities in the post-Sarbanes-Oxley era\u003c\/li\u003e \u003c\/ul\u003e \u003cp\u003eOver the past decade, substantial changes have taken place in the structure and range of products and services provided by the financial services industry. Get current coverage of these changes that have transformed both traditional organizations such as banks, thrifts, and insurance companies, as well as securities providers, asset management companies and financial holding companies with the up-to-the-minute coverage found in Financial Institutions, Valuations, Mergers and Acquisitions, Third Edition.\u003c\/p\u003e\u003c\/font\u003e\u003c\/strong\u003e\u003c\/p\u003e\r\n\r\n\u003cp\u003e\u003cfont size=\"3\"\u003e\u003cp\u003ePreface xi\u003c\/p\u003e \u003cp\u003eAcknowledgments xvii\u003c\/p\u003e \u003cp\u003e\u003cb\u003ePart I: Financial Services Industry: Its Markets, Regulations, and Governance 1\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 1: Fundamentals of the Financial Markets and Institutions 3\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eIntroduction 3\u003c\/p\u003e \u003cp\u003eFinancial Markets 3\u003c\/p\u003e \u003cp\u003eFinancial Information and Capital Markets 4\u003c\/p\u003e \u003cp\u003eFinancial Crisis and Financial Regulatory Reforms 5\u003c\/p\u003e \u003cp\u003eTypes and Roles of Financial Markets 15\u003c\/p\u003e \u003cp\u003eFinancial Services Firms 21\u003c\/p\u003e \u003cp\u003eConclusion 24\u003c\/p\u003e \u003cp\u003eNotes 25\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 2: Introduction to Financial Institutions 27\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eIntroduction 27\u003c\/p\u003e \u003cp\u003eLandscape of the Financial Services Industry 27\u003c\/p\u003e \u003cp\u003eStructural Changes in the Financial Services Industry 28\u003c\/p\u003e \u003cp\u003eHistorical Perspective of American Banking 42\u003c\/p\u003e \u003cp\u003eCurrent Trends in the Financial Services Banking Industry 43\u003c\/p\u003e \u003cp\u003eRegulatory Reforms 46\u003c\/p\u003e \u003cp\u003eValuation Process 55\u003c\/p\u003e \u003cp\u003eConclusion 56\u003c\/p\u003e \u003cp\u003eNotes 57\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 3: Corporate Governance 61\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eIntroduction 61\u003c\/p\u003e \u003cp\u003eCorporate Governance Effectiveness 62\u003c\/p\u003e \u003cp\u003eGlobal Regulatory Reforms 66\u003c\/p\u003e \u003cp\u003eSarbanes-Oxley Act of 2002 70\u003c\/p\u003e \u003cp\u003eDodd-Frank Act 74\u003c\/p\u003e \u003cp\u003eCorporate Governance Functions 75\u003c\/p\u003e \u003cp\u003eVI \u0026amp; Contents Board of Directors and Its Committees 78\u003c\/p\u003e \u003cp\u003eAudit Committee Roles and Responsibilities 80\u003c\/p\u003e \u003cp\u003eExecutive Compensation 84\u003c\/p\u003e \u003cp\u003eConclusion 86\u003c\/p\u003e \u003cp\u003eNotes 86\u003c\/p\u003e \u003cp\u003e\u003cb\u003ePart II: the Foundation: Financial Institutions, Valuations, Mergers, Acquisitions, and Regulatory and Accounting Environment 89\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 4: Overview of the Valuation Process 91\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eIntroduction 91\u003c\/p\u003e \u003cp\u003eValuation Services 92\u003c\/p\u003e \u003cp\u003eValuation Profession 94\u003c\/p\u003e \u003cp\u003eValuation of the Business 97\u003c\/p\u003e \u003cp\u003eAttracting Valuation Clients 105\u003c\/p\u003e \u003cp\u003eAccepting a Client 109\u003c\/p\u003e \u003cp\u003ePricing Valuation Services 111\u003c\/p\u003e \u003cp\u003eImportance of the Engagement Letter 112\u003c\/p\u003e \u003cp\u003ePlanning an Appraisal Engagement 114\u003c\/p\u003e \u003cp\u003eGeneral Planning 118\u003c\/p\u003e \u003cp\u003eAppraiser’s Traits 121\u003c\/p\u003e \u003cp\u003eAppraiser’s Due Diligence Process 124\u003c\/p\u003e \u003cp\u003eRisk Assessment 125\u003c\/p\u003e \u003cp\u003eConclusion 126\u003c\/p\u003e \u003cp\u003eNotes 126\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 5: Overview of Mergers and Acquisitions 127\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eIntroduction 127\u003c\/p\u003e \u003cp\u003eHistorical Perspective of Mergers and Acquisitions 128\u003c\/p\u003e \u003cp\u003eRecent Trends in Mergers and Acquisitions 130\u003c\/p\u003e \u003cp\u003eRegulations of Bank Mergers 136\u003c\/p\u003e \u003cp\u003ePlayers in Mergers and Acquisitions 142\u003c\/p\u003e \u003cp\u003eMotives for Business Combinations 146\u003c\/p\u003e \u003cp\u003eDeterminants of Mergers and Acquisitions 148\u003c\/p\u003e \u003cp\u003ePerceived Shortcomings of Mergers and Acquisitions 152\u003c\/p\u003e \u003cp\u003eStudies on Mergers and Acquisitions 155\u003c\/p\u003e \u003cp\u003eLeveraged Buyout 159\u003c\/p\u003e \u003cp\u003ePost Mergers and Acquisitions Performance 160\u003c\/p\u003e \u003cp\u003eShareholder Wealth and Effect of Mergers and Acquisitions 161\u003c\/p\u003e \u003cp\u003eJoint Ventures and Strategic Alliances 162\u003c\/p\u003e \u003cp\u003eEthics in Mergers and Acquisitions 163\u003c\/p\u003e \u003cp\u003eGovernance in Mergers and Acquisitions 164\u003c\/p\u003e \u003cp\u003eMergers and Acquisitions Process 165\u003c\/p\u003e \u003cp\u003eConclusion 181\u003c\/p\u003e \u003cp\u003eNotes 183\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 6: Regulatory Environment and Financial Reporting Process of Financial Institutions 187\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eIntroduction 187\u003c\/p\u003e \u003cp\u003eConsolidation 187\u003c\/p\u003e \u003cp\u003eRegulatory Environment 192\u003c\/p\u003e \u003cp\u003eBank Supervision 198\u003c\/p\u003e \u003cp\u003eFinancial Modernization: The Gramm-Leach-Bliley Act 205\u003c\/p\u003e \u003cp\u003eFinancial Reporting Process of Financial Institutions 208\u003c\/p\u003e \u003cp\u003eStatement of Financial Accounting Standards No. 115 212\u003c\/p\u003e \u003cp\u003eAuditing Proper Classifications of Marketable Securities 214\u003c\/p\u003e \u003cp\u003eTax Consideration of Fair Value 215\u003c\/p\u003e \u003cp\u003eRecent Development of Fair Value Accounting 218\u003c\/p\u003e \u003cp\u003eFinancial Reporting Requirements of Financial Institutions 222\u003c\/p\u003e \u003cp\u003eCorporate Governance of Financial Institutions 228\u003c\/p\u003e \u003cp\u003eConclusion 237\u003c\/p\u003e \u003cp\u003eNotes 238\u003c\/p\u003e \u003cp\u003e\u003cb\u003ePart III: Fundamentals of Valuations: Concepts, Standards, and Techniques 241\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 7: Value and Valuation: A Conceptual Foundation 243\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eAsset-Liability Management 243\u003c\/p\u003e \u003cp\u003eInvestment Management 245\u003c\/p\u003e \u003cp\u003eLending Management 246\u003c\/p\u003e \u003cp\u003eLiquidity Management 247\u003c\/p\u003e \u003cp\u003eNature of Value 249\u003c\/p\u003e \u003cp\u003eTwelve Concepts of Value 250\u003c\/p\u003e \u003cp\u003eTypes of Property that Can Be Valued 260\u003c\/p\u003e \u003cp\u003eRelationship among Different Types of Value 261\u003c\/p\u003e \u003cp\u003ePrinciples of Valuation Theory 262\u003c\/p\u003e \u003cp\u003ePricing Value versus Reporting Value 263\u003c\/p\u003e \u003cp\u003eLimitations of the Valuation Process 264\u003c\/p\u003e \u003cp\u003eConclusion 264\u003c\/p\u003e \u003cp\u003eNotes 264\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 8: Approaches to Measuring Value 267\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eOverview of the Valuation Process 267\u003c\/p\u003e \u003cp\u003eCost Approach to Valuation 268\u003c\/p\u003e \u003cp\u003eMarket Approach to Valuation 270\u003c\/p\u003e \u003cp\u003eIncome Approach to Valuation 273\u003c\/p\u003e \u003cp\u003eSpecial Topics—Approches to Intangible Asset Valuation 291\u003c\/p\u003e \u003cp\u003eSpecial Topics—Business Valuation 294\u003c\/p\u003e \u003cp\u003eValuation and Business Concentrations 300\u003c\/p\u003e \u003cp\u003eSpecial Topics—Closely Held Stock 301\u003c\/p\u003e \u003cp\u003eSpecial Topics—Valuing Widely Traded Companies 304\u003c\/p\u003e \u003cp\u003eConclusion 305\u003c\/p\u003e \u003cp\u003eNotes 305\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 9: Valuations for Tax and Accounting Purposes 307\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eTax Aspects of Mergers and Acquisitions 307\u003c\/p\u003e \u003cp\u003eTypical Tax-Oriented Valuations 310\u003c\/p\u003e \u003cp\u003eAccounting Aspects of Mergers and Acquisitions 313\u003c\/p\u003e \u003cp\u003eTypical Accounting-Oriented Valuations 319\u003c\/p\u003e \u003cp\u003eAcquisition Method 320\u003c\/p\u003e \u003cp\u003ePresentation, Disclosure, and Transition Requirements of Business Combinations 324\u003c\/p\u003e \u003cp\u003eConvergence in Accounting Standards on Mergers and Acquisitions 327\u003c\/p\u003e \u003cp\u003eConclusion 328\u003c\/p\u003e \u003cp\u003eNotes 329\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 10: Intangible Asset Valuation 331\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eNature and Types of Intangible Assets 331\u003c\/p\u003e \u003cp\u003eAmortizable versus Nonamortizable Intangible Assets 334\u003c\/p\u003e \u003cp\u003eMeasuring the Useful Life of an Intangible Asset 336\u003c\/p\u003e \u003cp\u003eEstablishing Value of Intangible Assets 338\u003c\/p\u003e \u003cp\u003eAmortization Methods 341\u003c\/p\u003e \u003cp\u003eSupporting Intangible Asset Valuation and Amortization 341\u003c\/p\u003e \u003cp\u003eGoodwill Impairment 342\u003c\/p\u003e \u003cp\u003eConclusion 343\u003c\/p\u003e \u003cp\u003eNotes 344\u003c\/p\u003e \u003cp\u003e\u003cb\u003ePart IV: Assessment of Financial Institutions 345\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 11: Financial Analysis of Banks and Bank Holding Companies 347\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eTypes and Sources of Financial Data 347\u003c\/p\u003e \u003cp\u003eOverview of Financial Statements 351\u003c\/p\u003e \u003cp\u003eComposition of Bank Assets 355\u003c\/p\u003e \u003cp\u003eComposition of Bank Liabilities 359\u003c\/p\u003e \u003cp\u003eOff–Balance Sheet Items 361\u003c\/p\u003e \u003cp\u003eComposition of Bank Capital 362\u003c\/p\u003e \u003cp\u003eRegulatory Capital Components 364\u003c\/p\u003e \u003cp\u003eRisk-Based Capital 367\u003c\/p\u003e \u003cp\u003eValue-at-Risk Models 370\u003c\/p\u003e \u003cp\u003eComposition of Bank Income 371\u003c\/p\u003e \u003cp\u003eComposition of Bank Expenses 373\u003c\/p\u003e \u003cp\u003eBalance Sheet Analysis Illustration 376\u003c\/p\u003e \u003cp\u003eIncome Statement and Profitability Analysis Illustration 381\u003c\/p\u003e \u003cp\u003eLoan Risk Analysis Illustration 385\u003c\/p\u003e \u003cp\u003eLiquidity and Investment Portfolio Analysis Illustration 389\u003c\/p\u003e \u003cp\u003ePortfolio Equities Analysis (REALM Model) 390\u003c\/p\u003e \u003cp\u003eSpecial Bank Holding Company Considerations 391\u003c\/p\u003e \u003cp\u003eLiability Management 392\u003c\/p\u003e \u003cp\u003eConclusion 392\u003c\/p\u003e \u003cp\u003eNotes 392\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 12: Internal Characteristics Assessment 395\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eObjectives and Benefits of an Internal Characteristics Assessment 396\u003c\/p\u003e \u003cp\u003eTen P Factor Framework 396\u003c\/p\u003e \u003cp\u003eShareholder Value Creation 405\u003c\/p\u003e \u003cp\u003eConclusion 412\u003c\/p\u003e \u003cp\u003eNotes 413\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 13: External Environment Assessment 415\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eImpact of External Environment on Value 415\u003c\/p\u003e \u003cp\u003ePolitical Analysis 416\u003c\/p\u003e \u003cp\u003eEconomic Analysis 416\u003c\/p\u003e \u003cp\u003eSocial Analysis 417\u003c\/p\u003e \u003cp\u003eTechnological Analysis 420\u003c\/p\u003e \u003cp\u003eOther Analysis 421\u003c\/p\u003e \u003cp\u003eConclusion 423\u003c\/p\u003e \u003cp\u003eNotes 423\u003c\/p\u003e \u003cp\u003e\u003cb\u003ePart V: Valuation of Mergers and Acquisitions 425\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 14: Bank Merger and Acquisition Process 427\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eStrategy Phase 427\u003c\/p\u003e \u003cp\u003eNegotiation and Investigation Phase 435\u003c\/p\u003e \u003cp\u003eFinalization and Integration Phase 439\u003c\/p\u003e \u003cp\u003eOther Considerations 443\u003c\/p\u003e \u003cp\u003eConclusion 446\u003c\/p\u003e \u003cp\u003eNotes 446\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 15: Valuing a Bank as a Business Enterprise 447\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eBusiness Enterprise versus a Collection of Assets 447\u003c\/p\u003e \u003cp\u003eConcept of the Banking Franchise 448\u003c\/p\u003e \u003cp\u003eDifference between Strategic and Tactical Valuations 449\u003c\/p\u003e \u003cp\u003eWhy the Cost Approach Is Not Used for Strategic Bank Valuations 450\u003c\/p\u003e \u003cp\u003eApplication of the Market Approach to Valuing a Bank 450\u003c\/p\u003e \u003cp\u003eApplication of the Income Approach to Valuing a Bank 454\u003c\/p\u003e \u003cp\u003eSensitivity of Value Estimate to Assumption Changes 461\u003c\/p\u003e \u003cp\u003eValue-Creation Opportunities and the Acquisition Price 463\u003c\/p\u003e \u003cp\u003eValuation Methods for Mergers and Acquisitions 465\u003c\/p\u003e \u003cp\u003eSophisticated Valuation Techniques for Mergers and Acquisitions 470\u003c\/p\u003e \u003cp\u003eRelation between Price and Value and Effect on Stockholders 475\u003c\/p\u003e \u003cp\u003eConclusion 478\u003c\/p\u003e \u003cp\u003eNotes 478\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 16: Valuation of Tangible Bank Assets 479\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eTangible Physical Assets 480\u003c\/p\u003e \u003cp\u003eTangible Financial Assets 481\u003c\/p\u003e \u003cp\u003eTangible Assets in Bank Mergers and Acquisitions 486\u003c\/p\u003e \u003cp\u003eX \u0026amp; Contents Intangible Assets in Bank Mergers and Acquisitions 486\u003c\/p\u003e \u003cp\u003eConclusion 487\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 17: Core Deposits as a Special Type of Intangible Asset Valuation 489\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eConcept of Core Deposit Base as an Intangible Asset 489\u003c\/p\u003e \u003cp\u003eInternal Revenue Service Position on Core Deposits 490\u003c\/p\u003e \u003cp\u003eImportant Core Deposit Tax Court Cases 490\u003c\/p\u003e \u003cp\u003eDeposits to Be Included in Valuation 497\u003c\/p\u003e \u003cp\u003eAlternative Approaches to Valuing a Core Deposit Base 497\u003c\/p\u003e \u003cp\u003eCore Deposit Base Life Estimation 499\u003c\/p\u003e \u003cp\u003eApplication of the Cost Savings Approach 502\u003c\/p\u003e \u003cp\u003eApplication of the Future Income Approach 505\u003c\/p\u003e \u003cp\u003eSystemically Important Financial Institutions 508\u003c\/p\u003e \u003cp\u003eConclusion 511\u003c\/p\u003e \u003cp\u003eNotes 511\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 18: Derivative Financial Instruments 513\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eAuthoritative Guidelines on Derivatives 515\u003c\/p\u003e \u003cp\u003eDerivative Markets 516\u003c\/p\u003e \u003cp\u003eDerivatives Risk Management 518\u003c\/p\u003e \u003cp\u003eDerivatives Risk Management Policy 519\u003c\/p\u003e \u003cp\u003eAccounting for Derivatives 528\u003c\/p\u003e \u003cp\u003eTax Considerations of Derivatives 535\u003c\/p\u003e \u003cp\u003eAudit of Derivative Transactions 535\u003c\/p\u003e \u003cp\u003eSources of Information on Derivatives 537\u003c\/p\u003e \u003cp\u003eDerivatives Valuation Models 538\u003c\/p\u003e \u003cp\u003eDerivatives under the Dodd-Frank Act of 2010 542\u003c\/p\u003e \u003cp\u003eConclusion 543\u003c\/p\u003e \u003cp\u003eNotes 543\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 19: Real-World Bank Valuation Complications 547\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eBanks Experiencing Recent Losses 548\u003c\/p\u003e \u003cp\u003eBanks with Low Equity Capital 551\u003c\/p\u003e \u003cp\u003eBanks with Uncertain Future Loan Loss Exposure 554\u003c\/p\u003e \u003cp\u003ePreferred and Common Stock 556\u003c\/p\u003e \u003cp\u003eHighly Leveraged Banks 557\u003c\/p\u003e \u003cp\u003eBranch Acquisitions 557\u003c\/p\u003e \u003cp\u003eEuropean Banking Model 559\u003c\/p\u003e \u003cp\u003eInitial Public Offering 561\u003c\/p\u003e \u003cp\u003eIslamic Banking System 562\u003c\/p\u003e \u003cp\u003eEmerging Issues in the Financial Services Industry 564\u003c\/p\u003e \u003cp\u003eConclusion 568\u003c\/p\u003e \u003cp\u003eNotes 568\u003c\/p\u003e \u003cp\u003eAbout the Author 569\u003c\/p\u003e \u003cp\u003eIndex 571\u003c\/p\u003e\u003c\/font\u003e\u003c\/p\u003e\r\n\r\n\u003cp\u003e\u003cfont size=\"3\"\u003eSubject Areas: Finance \u0026amp; accounting [\u003ca title=\"See our other books on Finance \u0026amp; accounting\" 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