New
Commercial Banking,
Edition 1 Distinct Value, Roles, and MethodsEditors: By Allen N. Berger, Stephen Karolyi and Raluca A. Roman
Publication Date:
28 Nov 2025
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Commercial Banking: Distinct Value, Roles, and Methods is a thorough, applied, and accessible introduction to the modern theory and practice of financial intermediation as enabled by commercial banks.
This book begins by answering the simple questions: What do banks do? What are the core roles and methods of banks, and what unique value do they provide? From here, the book considers key issues in banking, regulation, coping with bank risk, competition amongst banks, global banking, careers in banking, and future directions. Throughout, emphasis is placed on differentiating between bank and non-bank financial firms, the impact of technology on banking, evolving regulatory environments, the economic importance of banking, and innovation in banking services.
Perfect for undergraduate, graduate level, and professional courses in banking, bank management, and commercial banking, Commercial Banking: Distinct Value, Roles, and Methods is reinforced with full-color figures, charts, tables, learning objectives, and key term definitions.
Key Features
- A thorough, applied introduction to the modern theory and practice of commercial banking, with emphasis on the distinct value, roles, and methods of banking in today’s economy
- Examines key issues in banking, regulation, coping with bank risk, competition amongst banks, global banking, careers in banking, and future directions
- Features full-color figures, charts, tables, learning objectives, and key term definitions to reinforce understanding
- Offers teaching support, including online lecture slides, available at https://educate.elsevier.com/9780443363986
About the author
By Allen N. Berger, Professor in Banking and Finance, University of South Carolina, President, Financial Intermediation Research Society, Senior Fellow, Wharton Financial Institutions Center, and Fellow of the European Banking Center, SC, USA; Stephen Karolyi, Senior Economic Advisor in the Supervision Risk and Analysis Department of the Office of the Comptroller of the Currency, U.S. Department of the Treasury, USA; Raluca A. Roman, Senior Economist, Federal Reserve Bank of Philadelphia and formerly Federal Reserve Bank of Kansas City, KS, USA
Part I. The value, roles, and methods of banking
1. What Do Banks Do?
2. The Main Roles of Banking
3. The Main Methods of Banking
4. The Originate-to-Distribute (OTD) Model
Part II. Key issues in banking
5. Systemic Risks, Cycles, and Crises
6. Systemically Important Banks
7. Central Banking
8. Banking in the U.S.
9. International Banking
Part Ill. Coping with bank risk for bank managers and prudential authorities
10. How Risks Are Managed
11. Interest Rate Risks and Other Market Risks
12. Credit Risk
13. Operational Risk
14. Liquidity Risk
15. Leverage Risk
16. Suggestions for Improving Risk Management
Part IV. Banking competition
17. Static Competition with Other Banks
18. Static Competition with Other Financial Institutions and Markets
19. Dynamic Competition for Innovation in Banking
Part V. Banking topics of the future
20. Distinct Value in the Digital Future - Banks Versus Digital Financial Firms (DFFs)
21. The "Expect the Unexpected" Framework for Banking Policy
1. What Do Banks Do?
2. The Main Roles of Banking
3. The Main Methods of Banking
4. The Originate-to-Distribute (OTD) Model
Part II. Key issues in banking
5. Systemic Risks, Cycles, and Crises
6. Systemically Important Banks
7. Central Banking
8. Banking in the U.S.
9. International Banking
Part Ill. Coping with bank risk for bank managers and prudential authorities
10. How Risks Are Managed
11. Interest Rate Risks and Other Market Risks
12. Credit Risk
13. Operational Risk
14. Liquidity Risk
15. Leverage Risk
16. Suggestions for Improving Risk Management
Part IV. Banking competition
17. Static Competition with Other Banks
18. Static Competition with Other Financial Institutions and Markets
19. Dynamic Competition for Innovation in Banking
Part V. Banking topics of the future
20. Distinct Value in the Digital Future - Banks Versus Digital Financial Firms (DFFs)
21. The "Expect the Unexpected" Framework for Banking Policy
ISBN:
9780443363986
Page Count:
560
Retail Price
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Access to teacher/student resources is available to registered users with approved inspection copies or confirmed adoptions. To review this material, please request an inspection copy.
Undergraduate, graduate and professional levels students of banking, business, finance, and economics