sample
Haven't found the Essay You Want?
For Only $12.90/page

Bank Essay Topics & Paper Examples

Barclays Bank

Barclays is a major global financial services provider engaged in retail banking, credit cards, corporate banking, investment banking, wealth management and investment management services with an extensive international presence in Europe, the Americas, Africa and Asia. With over 300 years of history and expertise in banking, Barclays operates in over 50 countries and employs nearly 147,000 people. Barclays moves, lends, invests, protects money for more than 48 million customers and clients worldwide. (Barclays 2009) Barclays currently owns more stock (3.9%) than any other stockholder in the largest company on the planet, Exxon Mobil. The fundamental principal to Barclay’s philosophy is to include the interests of all of their shareholders from customers, employees, shareholders and the wider community in route to…

Deposit Mobilization

INTRODUCTION 1.1 Study Background For the development of any country, the financial sector of that country is responsible and must be strong. The financial sector is vast field, which comprises of banks, cooperatives, insurance companies, financial companies, stock exchange, foreign exchange markets, mutual funds etc. These institutions collect idle and scattered money from the general public and finally invest in different enterprises of national economy that consequently help in reducing poverty, increase in life style of people, increase employment opportunities and thereby developing the society and country as a whole. Thus, today’s concept, the financial institutions and commercial banks has become one of the bases for the measuring level of economic development of nation. Commercial banks are the main source…

Diary Of Internship

My first day at work, on practice, to be more accurate, was mainly about getting familiar with the staff I will be working with. When I first got contacted from the UniCredit bank, I was told to go to business office of this bank that was located in street Zelenih beretki 24, and to talk with the person that was in charge of this business office, Mrs. Suzana Krajina Jusupović. I spoke with her, and she immediately introduced me to the staff, first with the people that have been working in section Payment operations, and then with other staff. People from the Payment operations section were my co-workers for that week. I taught were highly of these people, because I…

Economics Sba

Title: An analysis into the involvement of adults in the financial sector. Purpose of Investigation The purposes of this research are: 1. To identify the association of adults with the formal sector of Tobago. 2. To determine the involvement of adults in the informal sector of Tobago. 3. To determine the factors affecting the involvement of adults in the financial sector. Methods of Investigations The primary source of information used in this project is: 1. Questionnaire. Thirty-one questionnaires were distributed to residents of Canaan. All the persons responding were eighteen and over. Limitations Faced Some limitations faced are: * Villagers misunderstanding some of the questions. * Villagers not taking the questionnaire seriously. * Locating responders to retrieve questionnaires was difficult…

How Fed Uses Open Market Operations

Open market operations, which consist of purchases and sales of government securities, is the Federal Reserve’s conventional device for exercising monetary policy. Based on the Fed, the term monetary policy refers to the actions taken by a central bank to influence the availability and cost of money and credit and to help promote national economic goals (FederalReserve.gov). These securities transactions help dictate the federal funds rate (rate at which banks lend excess reserves to one another). The fed funds rate is significant to our economy because it somewhat controls the overall financial situation, affecting employment, output, and the overall level of prices. FOMC In 1913, the Federal Reserve Act was passed, giving the Fed authority for setting monetary policy. In…

Organization & Operation of International Investment Bank

Nowadays, banks seem to be springing up in the nooks and corners of every city in every country. The banks are no longer operating globally, in fact most of the big banks have marked their presence in most of the continents and yet they keep on expanding their business. There was a time when banking only meant providing loans to people or keeping their deposits but this is not the case anymore. Many different kinds of banks have sprung up offering diversified financial service that provide clients with investment and insurance products but the major ones are the commercial banks and the investment banks. The banks not only offer services to the customers and make their own money in the…

Impact of Inflation on Common Man

* The banking industry produces some of the most lucrative profit margins around. If you are interested in starting your own bank then you need to be prepared for the fund-raising, organizing and form filing required to set one up. These steps will help make the process easier * Evaluate how practical it is for you to start a bank. Look at your business experience. You will need to have business management skills, financial management skills and fund-raising skills. * 2 Get to know your market. Before you start a bank you need to find a hole in your current market. After all people are not going to come to a start up bank if they can’t offer the customer…

Merchant Banking in India

• Merchant Banking In India: The merchant banker are those financial intermediary involved with the activity of transferring capital funds to those borrowers who are interested in borrowing. The activities of the merchant banking in India is very vast in nature of which includes the following a) The management of the customers securities b) The management of the portfolio, c) The management of projects and counseling as well as appraisal d) The management of underwriting of shares and debentures e) The circumvention of the syndication of loans f) Management of the interest and dividend etc Factors responsible for the Changes: 1) . Globalization of Indian Economy It has made the whole economy open, which has more multinational player in the…

Method of Money Laundering

Structuring deposits The Bank Secrecy Act of 1970 requires banks to report any deposits exceeding $10,000.01. This is not a problem for most of us, but it is a big barrier to money-laundering criminals looking to rid themselves of some cumbersome currency. Launderers will hire low-level lackeys to make multiple small deposits, either on different days or at various branches on the same day to work around this pesky law that attempts to deter money laundering, It is a complex, time-consuming way to launder money, and one that has been rendered even more difficult by computer algorithms that look for suspicious deposit behavior and raise an red flag when one is found. Banks Far more exciting and global in the…

The Effect of Deregulation Policies

1.1 Background of the study Organization, corporations or establishment, just like the governments are governed by rules and regulations, in the same way every economy set out goals, which it achieves, through various means. Vibratory and fiscal policies are the stimulant to any nation economic development, especially with regards to Nigeria. However, in this study, the attention of this is mainly on the influence of deregulation on banks profitability in Nigeria. The discussion on the deregulation can be effectively carried out without understanding what monetary policy is all about. In this content, monetary policy could be defined as a policy which deals with discretionary control of money supply by the monetary authorities in order to achieve stated economic goal of…

Banking: an Ethical Dilemma?

Introduction In this report, I plan to discuss the question Banking: An Ethical Dilemma? Within this is I will discuss ethical dilemmas in association with banking. I will firstly start by giving definitions of what is meant by the terms: Banking, Ethics, and Dilemma. From here, I will go on to identify what banks are and what the roles and importance are for the economy. Next, I will go on to explain banking operations and with this identification, I plan to then discuss the ethical dilemmas and show my opinion on the question ‘Banking: An Ethical Dilemma?’ I will then discuss any other issues unrelated to ethical dilemmas within the banking sector and with this; I plan to use references…

Banks and Credit System of Exchange

Definition of Banks—Banks are financial institutions that help people to save and borrow money.In a growing economy, the banks help to create a new pool of money to be ised for other economic activities.They complement the money or cash system of exchange with the system of credit. History of Banking in the Philippines During the pre-colonial period, Filipinos also saved and borrowed money, but usually this was done by families, relatives of tribal leaders.The oldest written relic of our precolonial past is the famous Laguna Copperplate inscriptin (LCI), which contains a record of a debt payment in 900A.D.It proves that we have a longt tradition of honoring our debts in our culture. Modern banking, as we know it, really began…

Bank Failures over Last 25 Years

The banks began to fail because of misappropriation of funds and loose lending practices to the majority of the US citizens living above their means. The government estimated 2,657 closures from bank failures from 1987 to 2012 (http://bankvibe. com). Currently, there is a total 7,074 FDIC insured banks (http://www. mybankertracker. com/banks). This caused was from credit stipulations were lowered to allow the subpar credit working Americans to obtain personal loans, car, homes or other amenities. Most banks were very stable but were not prepared for the financial bubble to burst in the distance near future. Moreover, in my experience with working for a few financial institutions, I observed the credit parameters amended to fit a customer’s financial state. These loans…

An Investigation Into the Differences Between Retail and Investment Banks

Over the past decades, retail banks have remained the main commercial bank for consumers, rather than corporations or other banks. The investment bank has become more popular amongst individuals, corporations and governments which are interested in raising their profits. Retail banks and investment banks have different organizational structures and activities. So they have many differences, such as services, customers and profits. And this report aims to distinguish between the retail bank and the investment bank in order to identify their specific service areas. Firstly, the author will review some literature focusing on the definitions. Secondly, the author will illustrate the differences between them from their target activities and functions. Retail banks offer a range of services to individual customers and…

Reasons for Implementing Basel III and Its Costs

The global financial crisis (GFC) was a painful wound that marked the twentieth century. It was the greatest crisis the humanity has witnessed since 1930 (the great depression). It first started in the United States and spread then to the entire world and caused a considerable slowdown in most developed countries and has affected the financial markets and the growth prospects in developing countries. It is called the doubled jeopardy crisis as it spread rapidly with a contagious effect to the other countries of the world. Despite the efforts exerted by governments and central banks to rescue the economy from this huge recession through aggressive fiscal and monetary policies, demand in the macroeconomic level dropped. This huge crisis wasn’t the…

Standard Bank Ltd

Company Reputation SBL has already established a favorable reputation in the banking industry of the country particularly among the new comers. With in a period of six years, SBL has already established a firm footing in the banking sector having tremendous growth in the profits and deposits. All these have leaded it to earn a reputation in the banking field. Sponsors SBL has been founded by a group of eminent entrepreneurs of the country having adequate financial strength. The sponsor directors belong to large industrial conglomerates of the country. The Board of Directors headed by its Chairman Mr. Kazi Akram Uddin has earned the reputation of being a successful businessman. Other directors are also eminent in their respective business area….

The Global Financial Crisis of 2007-2008

Economists and scholars spend years dissecting financial markets and evaluating the causes of booms and busts. Throughout United States history there have been multiple economic booms that were underestimated and followed by recessions. In the situation of the 2007-2008 global financial crisis many culprits have been identified as causes, such as loose monetary policy, credit booms, deregulation, over complexity, and greed. Since the economic boom was solely dependent on weak policies and misconceptions, this leads me to believe prevention was possible with adequate regulatory policy, risk assessment and clarifications for commercial banks. Monetary Policy The Federal Reserve uses monetary policy to control the supply of money in order to determine interest rates and manipulate currency values. Markets commonly favor lower…

Banking Reforms in India

Cash reserve Ratio (CRR) is the amount of funds that the banks have to keep with the RBI. If the central bank decides to increase the CRR, the available amount with the banks comes down. The RBI uses the CRR to drain out excessive money from the system. Commercial banks are required to maintain with the RBI an average cash balance, the amount of which shall not be less than 3% of the total of the Net Demand and Time Liabilities (NDTL), on a fortnightly basis and the RBI is empowered to increase the rate of CRR to such higher rate not exceeding 20% of the NDTL. What is Reverse Repo rate? Reverse Repo rate is the rate at which…

BDO Unibank

The second logo of Banco de Oro Banco de Oro had its humble beginnings on January 2, 1968, when it started off as a thrift bank called Acme Savings Bank. With two branches in Metro Manila, Acme was one of the smallest banks in the Philippines at the time. In November 1976, Acme was acquired by the Sy Group, the group of companies currently owned by retail magnate Henry Sy, and renamed Banco de Oro Savings and Mortgage Bank. In December 1994, BDO became a commercial bank. To reflect the bank’s new status, BDO was renamed Banco de Oro Commercial Bank, and in September 1996, BDO became a universal bank, which led to the bank’s name being changed to the…

The Function Of Financial Institutions

Financial institutions are cornerstones in the financial market. They provide five fundamental services that are needed to create efficiency within the market. The services are denomination divisibility which means producing financial claims of varying dollar amounts, currency transformation which is buying financial claims denominated in one currency and selling financial claims denominated in another, maturity flexibility which is creating financial claims with a wide range of maturities. Credit risk diversification which is diversifying risk more efficiently than individual lenders might be able to on their own and liquidity which is buying direct financial claims with low liquidity and issuing indirect financial claims with more liquidity. When all of these services are in full swing then the conditions for the best…

Banking

For the term “the business of banking”, the statute definition is inadequately, even some statute laws can help with the understanding about “the business of banking” but the definitions they are provided still not adequate (Waldeck & Giardina). Moreover, it become more difficult for defining “the business of baking” today as the fact that over the years and bank services are more diversified (Waldeck & Giardina). The case law Australian Independent Distributors Ltd v Winter (1965) 122 CLR 443 the Adelaide Cooperative Society accepted the money deposits from their members and recorded it on the passbook (Tyree 2008). The court held that the society had not carrying on the “business of banking” due to the society lacked of the power…

Retrenchment Strategy

Since the beginning of the US financial crisis in 2007, regulators in the United States and Europe have been frustrated by the difficulty in identifying the risk exposures at the largest and most levered financial institutions. Yet, at the time, it was unclear how such data might have been used to make the financial system safer. This paper is an attempt to show simple ways in which this information can be used to understand how deleveraging scenarios could play out. To do so the authors develop and test a model to analyze financial sector stability under different configurations of leverage and risk exposure across banks. They then apply the model to the largest financial institutions in Europe, focusing on banks’…

Role of Banks in the Economic Development

Bank: An organization, usually a corporation, chartered by a state or federal government, which does most or all of the following: receives demand deposits and time deposits, honors instruments drawn on them, and pays interest on them; discounts notes, makes loans, and invests in securities; collects checks,drafts, and notes; certifies depositor’s checks; and issues drafts and cashier’s checks. Features of Bank: • Money Dealing • Acceptance of Deposit • Grant of loan and advances • Payment and withdrawal of deposits • Transfer of funds • Portfolio management • Foreign Exchange dealing Banking; In general terms, the business activity of accepting and safeguarding money owned by other individuals and entity and then lending out this money in order to earn a…

Bank of England

The Bank of England, is the central bank of the United Kingdom . Established in 1694, it is the second oldest central bank in the world, and the world’s 8th oldest bank if you include commercial banks. It was established to act as the English Government’s banker, and to this day it still acts as the banker for the U.K Government, the Bank was privately owned and operated from its foundation in 1694 but it was nationalised in 1946. The bank of England has about £156 billion pounds worth of gold ingots as a backup if people start to ask for their money back , the bank also acts a custodian for other counties gold, including Germanys and various other…

Banking: Comparative Analysis

The economic reforms in India started in early nineties, but their outcome is visible now. Major changes took place in the functioning of Banks in India only after liberalization, globalisation and privatisation. It has become very mandatory to study and to make a comparative analysis of services of Public sector Banks and Private Sector banks. Increased competition, new information technologies and thereby declining processing costs, the erosion of product and geographic boundaries, and less restrictive governmental regulations have all played a major role for Public Sector Banks in India to forcefully compete with Private and Foreign Banks. this paper an attempt to analyze how efficiently Public and Private sector banks have been managing NPA. The last decade has seen many…

Transformation of a Korean Bank

Question 4 The IT related decisions taken by the Kwangju Bank include the downsizing of the information systems and the reengineering of banking processes, headed by the then chairman of the board for the bank. These were impacted by the competition in the global market in that having employed the former information system, the bank was too was weak compete against the foreign banks in the US, Japan and Europe. The bank could not establish its individual business strategies to stand prominently in the global market for the reason that the information system employed. Hence, all these factors led to the important decisions in the area of information technology (Rainer & Watson, 2012). Question 5 Risks The OLTP system is…

Online Banking

1. Introduction & Background As the developing of the technology, the Banking had large change, it is necessary to study how to use ATM of Online Banking to keep and management our property. John Shepherd-Barron had invented the Automatic Teller Machine (ATM) in 1967s, the ATM becomes the most important equipment in people’s life after 40 years, and there are about 403,000 ATMs in the U.S (Katharine, 2009). It can say that many people are using it everyday, like save money, and draw money or some transaction money, so the how to avoid and reduce the risk of ATM become more important than others activity, recently, the crime about the ATM increase rapidly, like copy the card information to steal…

HSBC abbreviation

HSBC abbreviation origin was founded in the former British colony (in March 1865) In February 2008; HSBC was named the world’s most valuable banking brand by The Banker magazine. We are celebrating the HSBC bank this week in United Kingdom. Do not be surprise among 45 email id your email has been selected in our software engine to claim total sum of {GBP 300.000.00}, {AND A JOB OPPORTUNITY}.Your secret pin code is {25512560} please keep it very confidential to yourself for security reason which is the key to your amount of GBP 300.000.00. Please do not take this email as joke or something else because all information is 100% sure and correct. This message was sent directly from the HSBC…

Loan Management System

The Traditional way of maintaining details of a user in a bank was to enter the details and record them. Every time the user need to perform some transactions he has to go to bank and perform the necessary actions, which may not be so feasible all the time. It may be a hard-hitting task for the users and the bankers too. The project gives real life understanding of Online Banking System and activities performed by various roles in the supply chain. Here, we provide an automation for banking system through Internet. Online Banking System project captures activities performed by different roles in real life banking which provides enhanced techniques for maintaining the required information upto-date, which results in efficiency….

Islamic Banking

Islamic Banking is interest free banking, in which there is no fixed rate of return. Islamic banking is the banking system which is run in accordance with the Islamic laws and the Shari a’ board; that guides the institutions. This Shari a’ board authorizes the products that whether these are Shari a’ compliant or not. Islamic banking is the banking that is guided by Islamic law (Shari a’) principles and guided by Islamic economics. In particular, Islamic law prohibits usury, the collection and payment of interest, also commonly called Riba in Islamic discourse”. Islamic banking also finds its roots in Islamic finance and all type of transactions are interest free of risk sharing. The interest is probihited in Islamic ways…