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    Peter Rose, Hudgins Finance Book

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    Peter Rose, Hudgins Finance Book

    Copyright:

    © All Rights Reserved
    Download as PPT, PDF, TXT or read online from Scribd
    Flag for inappropriate content
    Download as ppt, pdf, or txt
    62 views8 pages

    Banking Management Chapter 01

    Uploaded by

    AsitSingh
    Peter Rose, Hudgins Finance Book

    Copyright:

    © All Rights Reserved
    Download as PPT, PDF, TXT or read online from Scribd
    Flag for inappropriate content
    Download as ppt, pdf, or txt
    of 8

    Chapter One

    An Overview of Banks and the


    Financial-Services Sector
    McGraw-Hill/Irwin

    2008 The McGraw-Hill


    Companies, All Rights Reserved

    The Different Kinds of Financial Service


    Firms Calling Themselves Banks

    Commercial Banks
    Savings Banks
    Cooperative Banks
    Mortgage Banks
    Community Banks
    Money Center Banks
    Investment Banks
    Merchant Banks
    International Banks
    Wholesale Banks
    Retail Banks

    McGraw-Hill/Irwin
    Bank Management and Financial

    Limited Purpose Banks


    Bankers Banks
    Minority Banks
    National Banks
    State Banks
    Insured Banks
    Member Banks
    Affiliated Banks
    Virtual Banks
    Fringe Banks
    Universal Banks
    1-2

    2008 The McGraw-Hill Companies, Inc., All Rights

    The Financial Service Competitors of


    Banks

    Savings Associations
    Savings Banks
    Credit Unions
    Money Market Funds
    Mutual Funds (Investment Companies)
    Hedge Funds
    Security Brokers and Dealers
    Investment Banks
    Finance Companies
    Financial Holding Companies
    Life and Property-Casualty Insurance Companies

    McGraw-Hill/Irwin
    Bank Management and Financial

    1-3

    2008 The McGraw-Hill Companies, Inc., All Rights

    The Roles of Commercial Banks


    and Their Closest Competitors

    Intermediation Role
    Payment Role
    Guarantor Role
    Risk Management Role
    The Investment Banking Role
    Savings/Investment Advisor Role
    Safekeeping/Certification of Value Role
    Agency Role
    Policy Role

    McGraw-Hill/Irwin
    Bank Management and Financial

    1-4

    2008 The McGraw-Hill Companies, Inc., All Rights

    Traditional Services Offered By


    Banks
    Carrying Out Currency Exchange
    Discounting Commercial Notes and Making
    Business Loans
    Offering Savings Deposits
    Safekeeping of Valuables
    Supporting Government Activities with
    Credit
    Offering Checking Accounts
    Offering Trust Services
    McGraw-Hill/Irwin
    Bank Management and Financial

    1-5

    2008 The McGraw-Hill Companies, Inc., All Rights

    More Recent Services Offered by


    Banks
    Granting Consumer Loans
    Providing Financial Advice
    Managing Cash
    Offering Equipment Leasing
    Making Venture Capital Loans
    Selling Insurance Policies
    Selling Retirement Plans
    McGraw-Hill/Irwin
    Bank Management and Financial

    1-6

    2008 The McGraw-Hill Companies, Inc., All Rights

    Offering Security Brokerage


    and Investment Banking
    Services
    Underwriting Securities
    Offering Mutual Funds and Annuities
    Offering Merchant Banking Services
    Offering Risk Management and
    Hedging Services

    McGraw-Hill/Irwin
    Bank Management and Financial

    1-7

    2008 The McGraw-Hill Companies, Inc., All Rights

    Trends Affecting Banks and


    Other Financial Service Firms
    Today

    Service Proliferation
    Rising Competition
    Government Deregulation
    Increased Interest Rate Sensitivity
    Technological Change and Automation
    Consolidation and Geographic Expansion
    E-Banking and E-Commerce
    Convergence
    Globalization

    McGraw-Hill/Irwin
    Bank Management and Financial

    1-8

    2008 The McGraw-Hill Companies, Inc., All Rights

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