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Study sets matching "banking industry"

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Study sets matching "banking industry"

20 terms
The Banking Industry
three
deposit
interest
huge scale
There are _____ main ways banks make money: by charging inter…
Retail and commercial banks need lots of customers to deposit…
To encourage people to keep their money in a bank, the bank w…
Banks also lend to each other on a huge scale. Most of this l…
three
There are _____ main ways banks make money: by charging inter…
deposit
Retail and commercial banks need lots of customers to deposit…
17 terms
Banking Industry
Yield on Earnings Assets (YEA)
Cost of funding earnings Assets (COF)
Net Interest Spread (NIS)
Net Interest Margin (NIM)
=interest income on Earnings assets/Average value of these as…
=Total interest expense on the funds a bank uses to support e…
= YEA-COF... -Credit Card lenders generated the highest NIS
=Net interest income/Average earning assets
Yield on Earnings Assets (YEA)
=interest income on Earnings assets/Average value of these as…
Cost of funding earnings Assets (COF)
=Total interest expense on the funds a bank uses to support e…
18 terms
Banking industry
Top 10 banks by mkt cap
Valuation of banks over the last decade
Changes affecting the industry
Regulatory pressure
1) Wells Fargo, 242B... 2) ICBC, 229B... 3) JPMorganChase, 217B... 4)…
converging, declining valuations - CS P/B=0.66 (<1)... diverging…
1) regulatory pressure... 2) negative interest rates... 3) low bank…
more capital needed ... > lower profitability (RoE)
Top 10 banks by mkt cap
1) Wells Fargo, 242B... 2) ICBC, 229B... 3) JPMorganChase, 217B... 4)…
Valuation of banks over the last decade
converging, declining valuations - CS P/B=0.66 (<1)... diverging…
30 terms
BFS3 Banking Industry
Bank Manager
Bank Loan Officer
Bank Teller
Basic Checking Accounts
An executive who is in charge of the branch office of a bank…
Representatives of banks, credit unions and other financial i…
An employee of a bank who deals directly with most customers,…
You'll be able to perform basic functions, such as check writ…
Bank Manager
An executive who is in charge of the branch office of a bank…
Bank Loan Officer
Representatives of banks, credit unions and other financial i…
43 terms
Banking Industry Terms
Internal Rate of Return (IRR)
Net Present Value
Discount Rate
Discount Window
Metric used in capital budgeting measuring the profitability…
Value of a specific stream of future cash flows presented in…
The interest rate you need to earn on a given amount of money…
Credit facilities in which financial institutions go to borro…
Internal Rate of Return (IRR)
Metric used in capital budgeting measuring the profitability…
Net Present Value
Value of a specific stream of future cash flows presented in…
35 terms
Personal Finance-Banking Industry
Purchasing Power
FDIC
Barter
Currency
The amount of goods or services that your money can buy.
A federal government agency that insures deposits in banks.
Trading goods and services without the use of money.
Paper money and coins used for financial transactions.
Purchasing Power
The amount of goods or services that your money can buy.
FDIC
A federal government agency that insures deposits in banks.
30 terms
Australian Banking Industry
Source of Fund is deposit accounts: de…
Four Pillary policy- Aust Govt ban mer…
1. Transaction accounts- demand deposi…
Are short-term borrowed funds by comme…
Sources of Bank Funds
What is consolidation of banking sector?
Deposit accounts take (3) forms
Borrowed Funds
Source of Fund is deposit accounts: de…
Sources of Bank Funds
Four Pillary policy- Aust Govt ban mer…
What is consolidation of banking sector?
8 terms
Quiz 13 Banking Industry
Agreements to provide a standardized c…
What is a primary characteristic of cr…
Experts predict that future trends in…
Which of the following is a requiremen…
futures contracts.
Credit unions are organised around a group of individuals tha…
several thousand banks.
Member banks of the Federal Reserve System are required to pu…
Agreements to provide a standardized c…
futures contracts.
What is a primary characteristic of cr…
Credit unions are organised around a group of individuals tha…
21 terms
Ch. 7: The Banking Industry
unit bank
National Banking Act of 1863
correspondent bank
respondent bank
a bank limited to a single office
established a system of national banks with a common currency…
a bank with which another bank in another city has a regular…
a small bank with a business relationship with a city corresp…
unit bank
a bank limited to a single office
National Banking Act of 1863
established a system of national banks with a common currency…
35 terms
Personal Finance-Banking Industry
Purchasing Power
FDIC
Barter
Currency
The amount of goods or services that your money can buy.
A federal government agency that insures deposits in banks.
Trading goods and services without the use of money.
Paper money and coins used for financial transactions.
Purchasing Power
The amount of goods or services that your money can buy.
FDIC
A federal government agency that insures deposits in banks.
20 terms
HW 13 Banking Industry
Which of the following is not a motiva…
National​ banks:
Bank holding​ companies:
​Non-Federal Reserve member state​ ban…
The need to further consolidate the banking industry and secu…
Comptroller of the Currency
Federal Reserve System
State banking authorities
Which of the following is not a motiva…
The need to further consolidate the banking industry and secu…
National​ banks:
Comptroller of the Currency
20 terms
investment banking- industry structures
what are the most 3 important areas in…
what bank specializes in M&A and advis…
a 'full-service' bank could arrange a…
what are League Tables?
1. structure of the key players... 2. changing product focus... 3.…
Rothschild (advises companies)
- M&A advice on the takeover transaction... - underwriting of as…
- represent a limited source of evidence of capability... - meas…
what are the most 3 important areas in…
1. structure of the key players... 2. changing product focus... 3.…
what bank specializes in M&A and advis…
Rothschild (advises companies)
32 terms
The Banking Industry (completed)
What is the definition of the word 'ba…
Which bank was the first to be establi…
How long did The Public Bank of The Ba…
When did The Public Bank of The Bahama…
An organization that makes loans and keeps customers money fo…
The Public Bank of The Bahamas
50 years
1836-1886
What is the definition of the word 'ba…
An organization that makes loans and keeps customers money fo…
Which bank was the first to be establi…
The Public Bank of The Bahamas
5 terms
Chapter 8 The Banking Industry (Summary)
8.1 Types of Banks
8.2 Dispersion and Consolidation
8.3 Securitization
8.4 Subprime Lenders
*Commercial banks take deposits and make loans. U.S. commerci…
*The United States has far more banks than other countries, a…
*Many bank loans, from mortgages to car loans to credit card…
*People with low incomes or poor credit histories have troubl…
8.1 Types of Banks
*Commercial banks take deposits and make loans. U.S. commerci…
8.2 Dispersion and Consolidation
*The United States has far more banks than other countries, a…
14 terms
steel industry/bank industry/oil industry
Gospel of wealth
A.Carnegie
vertical integration
Bessemer Process
a belief that the wealthy should spend their money to benefit…
Scottish immigrant that created an empire of steel
controlling all steps in production from the raw materials to…
A more efficient method of producing a stronger grade of steel
Gospel of wealth
a belief that the wealthy should spend their money to benefit…
A.Carnegie
Scottish immigrant that created an empire of steel
19 terms
Commercial Banks: Industry Overview
Reigle-Neal Act of 1994
Financial Services Modernization Act o…
Industrial loan corporations (ILCs) ar…
A megamerger is a
allowed nationwide branch networks to evolve
gave commercial banks the full authority to enter the investm…
"non-bank" banks
merger of commercial banks with assets of $1 billion or more
Reigle-Neal Act of 1994
allowed nationwide branch networks to evolve
Financial Services Modernization Act o…
gave commercial banks the full authority to enter the investm…
27 terms
Commercial Banks: Industry overview
In terms of assets where do Commercial…
What is their major asset and liability?
What key services that are essential t…
CB Assets
They are the largest
Loans and federally insured deposits
play a key role in the transmission of monetary policy... provid…
-Loans generate the most revenue for banks... -Investment securi…
In terms of assets where do Commercial…
They are the largest
What is their major asset and liability?
Loans and federally insured deposits
21 terms
Word Bank- Industrial Revolution
Industrial Revoltuion
1750
1790s
Power Loom
Period of time when machines began to replace hand made goods.
The I.R. begins in England
The I.R. begins in America
Machine that weaves cloth
Industrial Revoltuion
Period of time when machines began to replace hand made goods.
1750
The I.R. begins in England
10 terms
Chapter 8 The Banking Industry (Homework/Quiz)
1. A financial institution that pools…
2. Low-income and high-risk borrowers…
3. Pawn shops give small short-term lo…
4. Which of the following is a "thrift…
securitized
subprime lenders
very high collateral
credit union
1. A financial institution that pools…
securitized
2. Low-income and high-risk borrowers…
subprime lenders
21 terms
Word Bank- Industrial Revolution
Industrial Revoltuion
1750
1790s
Power Loom
Period of time when machines began to replace hand made goods.
The I.R. begins in England
The I.R. begins in America
Machine that weaves cloth
Industrial Revoltuion
Period of time when machines began to replace hand made goods.
1750
The I.R. begins in England
36 terms
Industrial Revolution Answer Bank
Washington
Sherman Antitrust Act
Social Darwinism
Statue of Liberty
Booker T. Washington, Founded the Tuskegee Institute,believed…
It outlawed monopolies, competition good for consumers, more…
Survival of the strongest business. Was taken from Darwin's "…
Gift from France celebrating our one hundredth year as a coun…
Washington
Booker T. Washington, Founded the Tuskegee Institute,believed…
Sherman Antitrust Act
It outlawed monopolies, competition good for consumers, more…
31 terms
Financial Markets & Institutions-Banking, bank regulation, banking industry structure
Banking — Balance-Sheet Activities....
Liabilities & equity —
• Assets —
• Basic banking = balance-sheet activi…
...
-checkable deposits-2%... -non transaction deposits-69%... -->savin…
-Reserves+cash items-16%... -securities... -->U.S.-14%... --> state lo…
§ Deposits/withdrawals, checking, lending — Effects on reserv…
Banking — Balance-Sheet Activities....
...
Liabilities & equity —
-checkable deposits-2%... -non transaction deposits-69%... -->savin…
40 terms
Modern Industry/Banking/Galveston/Spindletop
crops, cooking, lighting
State-chartered banks
Refused bank notes
Cottonseed oil
3 uses for cottonseed oil
What type of bank was NOT found in Texas consistently until a…
Why did Texans come to distrust the Banco Nacional de Texas?
Which industry grew rapidly after the Civil War and became Te…
crops, cooking, lighting
3 uses for cottonseed oil
State-chartered banks
What type of bank was NOT found in Texas consistently until a…
27 terms
Chapter 8 The Banking Industry (Key Terms)
Bank charter
Commercial bank
Community bank
Community Reinvestment Act (CRA)
Government license to operate a bank
Institution that accepts checking and savings deposits and le…
Commercial bank with less than $1 billion in assets that oper…
Law from 1977 that requires banks to lend in low-income area
Bank charter
Government license to operate a bank
Commercial bank
Institution that accepts checking and savings deposits and le…
25 terms
Chapter 11: Banking Industry-Structure and Competition
Automated Banking Machine (ABM)
Automated Teller Machine (ATM)
Bank Holding Companies
Branches
One location that provides an automated teller machine (ATM),…
An electronic machine that provides banking services 24 hours…
Companies that own one or more banks.
A main banks additional offices in which banking operations a…
Automated Banking Machine (ABM)
One location that provides an automated teller machine (ATM),…
Automated Teller Machine (ATM)
An electronic machine that provides banking services 24 hours…
25 terms
Ch 11 - Banking Industry: Structure and Competition
Automated Banking Machine
Automated Teller Machine
Bank Holding Companies
Branches
One locations that provides an automated teller machine, an I…
An electronic machine that provides banking services 24 hours…
Companies that own one or more banks
A main bank's additional offices in which banking operations…
Automated Banking Machine
One locations that provides an automated teller machine, an I…
Automated Teller Machine
An electronic machine that provides banking services 24 hours…
15 terms
BANK MNGMT: Chapter 1: Banking and the Financial Services Industry
originate to distribute
bank holding company (BHC)
financial holding company (FHC)
transactions banking
lenders originated mortgages with the intent to sell them soo…
any organization that owns controlling interest in one or mor…
distinct entities from BHC's.... primary advantage to forming a…
involves the provision of transactions services such as check…
originate to distribute
lenders originated mortgages with the intent to sell them soo…
bank holding company (BHC)
any organization that owns controlling interest in one or mor…
11 terms
Chapter 11 - Banking Industry: Structure and Competition
Recent Observations about U.S. banking
Private Bank
Central Bank
First U.S. central bank
1. Dual Banking... 2. Branch banking is everywhere... 3. Universal…
serves private individuals/corporations
serves the government
The Bank of the United States
Recent Observations about U.S. banking
1. Dual Banking... 2. Branch banking is everywhere... 3. Universal…
Private Bank
serves private individuals/corporations
25 terms
ECO324: Banking Industry: Structure and Competition
automated banking machine (ABM)
automated teller machine (ATM)
bank holding companies
branches
One location that provides an automated teller machine (ATM),…
An electronic machine that provides banking services 24 hours…
Companies that own one or more banks.
A main bank's additional offices in which banking operations…
automated banking machine (ABM)
One location that provides an automated teller machine (ATM),…
automated teller machine (ATM)
An electronic machine that provides banking services 24 hours…
25 terms
Chapter 11- Banking Industry : Structure & Competition
Automated banking machine (ABM)
Automated teller machine (ATM)
Bank holding companies
Branches
One location that provides an automated teller machine (ATM),…
An electronic machine that provides banking services 24 hours…
Companies that own one or more banks.
A main banks additional offices in which banking operations a…
Automated banking machine (ABM)
One location that provides an automated teller machine (ATM),…
Automated teller machine (ATM)
An electronic machine that provides banking services 24 hours…
15 terms
Chapter 12 Banking Industry: Structure & Competition
Historical Development
Historical Development of the banking…
Existence of state and federal banks
Financial innovation and the decline o…
The modern commerical banking industry in United States began…
In 1791 the Bank of the United States, which had elements of…
To eliminate the abuses of the state-chartered banks ( state…
The traditional financial intermediation role of banking has…
Historical Development
The modern commerical banking industry in United States began…
Historical Development of the banking…
In 1791 the Bank of the United States, which had elements of…
12 terms
Chapter 11 - Banking Industry: Structure and Competition
Reasons for Dual banking system
Banknotes
National Bank Act of 1863
Multiple Regulatory Agencies
The US has a dual banking system and overlapping regulatory a…
an early form of paper currency, issued by banks to clients w…
This created National Charters and a National Currency. These…
Significant outcome of development of banking industry. The U…
Reasons for Dual banking system
The US has a dual banking system and overlapping regulatory a…
Banknotes
an early form of paper currency, issued by banks to clients w…
35 terms
ECON 471 Chapter 8: The Banking Industry
The number of banks in the US has been…
US has a very large number of banks co…
The 1927 McFadden Act
The 1994 Riegle-Neal Act
declining in recent years
true
prohibited interstate banking and each state had separate ban…
repealed the 1927 McFadden Act and while banks are expanding…
The number of banks in the US has been…
declining in recent years
US has a very large number of banks co…
true
50 terms
Chapter One - Banking and the Financial Services Industry
Glass-Steagall Act - over 75 years ago
Three lines of business
Glass-Stegall Acts primary purpose
commercial banks
created 3 separate lines of business within the financial ser…
1. commercial banking... 2. investment banking... 3. insurance
separate commerce from banking in order to reduce conflicts o…
primarily accepted demand deposits and made loans to businesses
Glass-Steagall Act - over 75 years ago
created 3 separate lines of business within the financial ser…
Three lines of business
1. commercial banking... 2. investment banking... 3. insurance
10 terms
learning through lesson 2 : Overview of the Banking Industry
Governor
Central bank
Installment
Bond
The person who is the official head of a bank, but not necess…
A national bank that does business with the government and ot…
A payment made as part of a series of payments on the same go…
The debt securities issued by corporations and government
Governor
The person who is the official head of a bank, but not necess…
Central bank
A national bank that does business with the government and ot…
25 terms
ECO324: Banking Industry: Structure and Competition
automated banking machine (ABM)
automated teller machine (ATM)
bank holding companies
branches
One location that provides an automated teller machine (ATM),…
An electronic machine that provides banking services 24 hours…
Companies that own one or more banks.
A main bank's additional offices in which banking operations…
automated banking machine (ABM)
One location that provides an automated teller machine (ATM),…
automated teller machine (ATM)
An electronic machine that provides banking services 24 hours…
CH 11 Banking Industry: Structure and Competition
When did the modern commercial banking…
What did the Federalists advocate for?
A government institution that has resp…
State-chartered banks
When the bank of North America was chartered in Philadelphia…
Greater centralized control of banking and federal chartering…
Central Bank
State Banks
When did the modern commercial banking…
When the bank of North America was chartered in Philadelphia…
What did the Federalists advocate for?
Greater centralized control of banking and federal chartering…
48 terms
W4 Regulation and Operation of Banking Industry
Legislation
APRA's methodology
PAIRS
SOARS
Reserve Bank Act 1959... Banking Act 1959... Financial Sector (Shar…
Supervisory action plans... Risk assessment and response tools... I…
Used to assess the probability that a regulated institution w…
Used to determine the supervisory response that APRA should t…
Legislation
Reserve Bank Act 1959... Banking Act 1959... Financial Sector (Shar…
APRA's methodology
Supervisory action plans... Risk assessment and response tools... I…
28 terms
11 - organization and structure of banking and financial-services industry
commercial banking
community banks and other community-or…
community bank
community bank
dominant supplier of credit and payments services to business…
devoted principally to the markets for smaller, locally based…
as retail bank, stand in sharp contrast to wholesale banks
accounting and operating divisions are combined sometimes
commercial banking
dominant supplier of credit and payments services to business…
community banks and other community-or…
devoted principally to the markets for smaller, locally based…
25 terms
Chapter 11: Commercial Banks, Industry Overview
Commercial Bank
Commercial Bank Assets
4 Categories of Loans
Credit/Default Risk
A depository institution whose major assets are loans and maj…
1. Cash: 10.6%... 2. Investment Securities: 29.2%... 3. Loans: 51…
1. Business, about 17%, commercial and industrial... 2. Real est…
Risk that a security issuer will default on a security
Commercial Bank
A depository institution whose major assets are loans and maj…
Commercial Bank Assets
1. Cash: 10.6%... 2. Investment Securities: 29.2%... 3. Loans: 51…
44 terms
ECON 2411 - Ch. 12 Banking Industry: Structure and Competition
Which of the following is not a motiva…
Which regulatory agency has the primar…
If inflation had not risen in the 1960…
How do sweep accounts and money market…
The need to further consolidate the banking industry and secu…
Comptroller of the Currency.... Federal Reserve System.... State…
True. Higher inflation helped raise interest rates, which cau…
Although they function as interest -earning deposits, these a…
Which of the following is not a motiva…
The need to further consolidate the banking industry and secu…
Which regulatory agency has the primar…
Comptroller of the Currency.... Federal Reserve System.... State…
46 terms
M&B Chapter 11 - Banking Industry: Structure and Competition
What year was the Bank of North Americ…
What did the National Bank Act of 1863…
What year was the Federal Reserve Syst…
What does a dual banking system mean?
1782
Created a new banking system of federally chartered banks; th…
1913
Banks chartered by the federal government and banks chartered…
What year was the Bank of North Americ…
1782
What did the National Bank Act of 1863…
Created a new banking system of federally chartered banks; th…
106 terms
Mr. Holzman's Industrialization Test Bank
1A. Quarry workers, quarry owners, sto…
2A. ________________ processes in the…
3A. Which of the following is not asso…
4A. The word "development" implies ... a)…
b
a
b
a
1A. Quarry workers, quarry owners, sto…
b
2A. ________________ processes in the…
a
CH 11 (CH 12 In My Book) Banking Industry: Structure and Competition
One location that provides an automate…
An electronic machine that provides ba…
Companies that own one or more banks.
Additional offices of banks that condu…
Automated Banking Machine (ABM)
Automated Teller Machine (ATM)
Bank Holding Companies
Branches
One location that provides an automate…
Automated Banking Machine (ABM)
An electronic machine that provides ba…
Automated Teller Machine (ATM)
26 terms
Monetary Policy: Banking Industry-Structure and Competition (Ch 11)
What is a bank holding company?
What is a top holder?
Responsibilities of Board of Governors
Dodd-Franks (2010)
company-own/controls US bank, can own or control another bank…
company at the top of the ownership chain of bank holding com…
regulating and supervising bank holding companies
established Financial Stability Oversight Council, monitors e…
What is a bank holding company?
company-own/controls US bank, can own or control another bank…
What is a top holder?
company at the top of the ownership chain of bank holding com…
8 terms
Monetary and financial framework Lecture 6 The global banking industry structure and competition
Financial Inovation
There are three types of changes we ca…
Response to changes in demand conditions
Response to changes in supply conditions
A result of search for profits. ... :Change in the environment r…
1. Response to changes in demand conditions.... 2 Response to ch…
Major change is increase in interest rat risk starting in the…
Major change in tech has reduced the cost of producing new pr…
Financial Inovation
A result of search for profits. ... :Change in the environment r…
There are three types of changes we ca…
1. Response to changes in demand conditions.... 2 Response to ch…
12 terms
Monetary and Finacial framework Lecture 7 The Global Banking Industry structure and competition
Restriction on Banking (McFadden Act o…
Bank Consolidation and Nationwide Bank…
E-Finance I.T and bank consolidation
Bank Consolidation and Nationwide
Very anti competitive. :A response to this BANK HOLDING COMPA…
Numbers of US commercial banks very stable from 1934 to 1980…
I.T is relevant for the credit card industry. :Today over 60%…
RIEGLE-NEAL ACT OF 1994 - 1. Allows full interstate branching…
Restriction on Banking (McFadden Act o…
Very anti competitive. :A response to this BANK HOLDING COMPA…
Bank Consolidation and Nationwide Bank…
Numbers of US commercial banks very stable from 1934 to 1980…
44 terms
ECON 2411 - Ch. 8 Banking Industry: Structure and Competition
Which of the following is not a motiva…
Which regulatory agency has the primar…
If inflation had not risen in the 1960…
How do sweep accounts and money market…
The need to further consolidate the banking industry and secu…
Comptroller of the Currency.... Federal Reserve System.... State…
True. Higher inflation helped raise interest rates, which cau…
Although they function as interest -earning deposits, these a…
Which of the following is not a motiva…
The need to further consolidate the banking industry and secu…
Which regulatory agency has the primar…
Comptroller of the Currency.... Federal Reserve System.... State…
9 terms
Monetary and Financial Framework Lecture 5 The global banking industry structure and competition
Financial Innovation
Electronic Banking
Will Clicks dominate bricks in Banking…
Electronic Payments
Many store credit cards existed long before WW II. :Improved…
ATMS were the first innovation on this front. :Over 250,000 A…
E-Banks have experiences low revenue growth. :Depositors feel…
Develop of technology has allowed e-payments of bills a more…
Financial Innovation
Many store credit cards existed long before WW II. :Improved…
Electronic Banking
ATMS were the first innovation on this front. :Over 250,000 A…
23 terms
Christopher Banks Chapter 9: Sustainability in the Restaurant & Foodservice Industry
Aquaculture
Bottom Trawling
Brownfield Site
Bycatch
Production of seafood under controlled conditions.
Pulling trawls across the bottom of the sea floor, where the…
Previously abandoned industrial site that, once cleaned up, c…
Other species caught in some fishing gear in addition to the…
Aquaculture
Production of seafood under controlled conditions.
Bottom Trawling
Pulling trawls across the bottom of the sea floor, where the…
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