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Study sets matching "banking principles"

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Study sets matching "banking principles"

23 terms
Principles of banking
Aggregate Measures
Money Supply
Liquidity
Commodity Money
The collective components of money supply that are used to es…
Is the liquid asset held by banks and individuals.
is the measure of how quickly things may be converted to some…
money based on some item of value: e.g.. gold, precious stones.
Aggregate Measures
The collective components of money supply that are used to es…
Money Supply
Is the liquid asset held by banks and individuals.
14 terms
Principles of Banking-CH5
MICR Technology
ACH-Credits
ACH-Debits
ACH
Magnetic Ink Character Recognition-magnetic ink at the bottom…
Payroll, Social Security, Interest, Pension, Dividends
Club/Association dues, Utility payments, Insurance premiums,…
Would be used, for example, to process a payment made by a cu…
MICR Technology
Magnetic Ink Character Recognition-magnetic ink at the bottom…
ACH-Credits
Payroll, Social Security, Interest, Pension, Dividends
29 terms
Principles of Banking Chapter 6
Negotiable instrument
Bearer instrument
Draft
Bill of exchange
A written promise to pay a sum of money, either to a specifie…
Is payable to the holder
An order signed by one party that is addressed to another par…
A negotiable and unconditional written order such as a draft,…
Negotiable instrument
A written promise to pay a sum of money, either to a specifie…
Bearer instrument
Is payable to the holder
12 terms
Principles of Banking-CH4
US Treasury Bureau of Engraving and Pr…
What bill has been the most recently r…
UCC Article 3
Payee
Begins the cash distribution process with the printing of money
$100-blue security ribbon
Payable to bearer or to order of, Payable without conditions,…
"Pay to the order of" person
US Treasury Bureau of Engraving and Pr…
Begins the cash distribution process with the printing of money
What bill has been the most recently r…
$100-blue security ribbon
12 terms
Principles of Banking CH3
M1
M2
Demand Deposit Transaction Accounts
Time Deposit Accounts (CDs)
Cash, traveler's checks, demand deposit accounts (check, debi…
M1, Savings accounts, money market accounts, time deposit acc…
Payable "on demand" by law; Can be immediately converted to c…
Fixed maturity dates, interest penalty if withdrawn before ma…
M1
Cash, traveler's checks, demand deposit accounts (check, debi…
M2
M1, Savings accounts, money market accounts, time deposit acc…
12 terms
Principles of Banking Ch2
Federal Reserve System
Net Worth
State of Condition
Statement of Condition/Balance Sheet
Implements monetary and credit policy for the nation
Financial status as of a point in time. Unless a bank is inso…
Balance Sheet/Personal financial statement
Loans are assets, usually the biggest item on the balance she…
Federal Reserve System
Implements monetary and credit policy for the nation
Net Worth
Financial status as of a point in time. Unless a bank is inso…
65 terms
Principles of Banking 1
Code of Conduct
Sarbanes-Oxley Act (S.O.X.)
Conflict of Interest
Operations Department
A document adopted by top management and the board of directo…
This law has whistleblower provisions to protect bank employe…
A situation in which an action taken by an individual in an o…
Bank employees service deposits and loan account and process…
Code of Conduct
A document adopted by top management and the board of directo…
Sarbanes-Oxley Act (S.O.X.)
This law has whistleblower provisions to protect bank employe…
69 terms
Principles of Banking 2
Lending function
business loan
consumer loan
adjustable rate mortgage
the most significant source of bank income
also known as commercial loan
loan extended to consumers either individually or joint
a mortgage on which the rate is subject to periodic adjustment
Lending function
the most significant source of bank income
business loan
also known as commercial loan
16 terms
Principles of Banking: Ch. 4
Cash
Medium of Exchange
Duel Custody
Did you know...?
(1) money in the form of bills or coins; (2) money on hand or…
currency or the other financial instrument used to facilitate…
a security technique that uses 2 or more individual parties o…
the U.S. Mint was created in 1792. Before that, a variety of…
Cash
(1) money in the form of bills or coins; (2) money on hand or…
Medium of Exchange
currency or the other financial instrument used to facilitate…
65 terms
Principles of Banking 1
Code of Conduct
Sarbanes-Oxley Act (S.O.X.)
Conflict of Interest
Operations Department
A document adopted by top management and the board of directo…
This law has whistleblower provisions to protect bank employe…
A situation in which an action taken by an individual in an o…
Bank employees service deposits and loan account and process…
Code of Conduct
A document adopted by top management and the board of directo…
Sarbanes-Oxley Act (S.O.X.)
This law has whistleblower provisions to protect bank employe…
51 terms
Genetic principles in Blood Banking
blood group systems are
phenotype
patient's phenotype determined by
genotype
groups of antigens on RBC membrane that share realted serolog…
physical or observed expression of traits
hemagglutination of RBC antigens using antisera
actual genetic makeup
blood group systems are
groups of antigens on RBC membrane that share realted serolog…
phenotype
physical or observed expression of traits
20 terms
Genetic Principles in Blood Banking
Postulated the original concepts of ge…
Cell division for growth or replacemen…
Fertilized ova results in the
Formed by the process of meiosis
Gregor Mendel
mitosis
zygote
gametes
Postulated the original concepts of ge…
Gregor Mendel
Cell division for growth or replacemen…
mitosis
25 terms
Banking and Finance Principles
1. Explains when deposited funds will…
2. Explain the process of a post-dated…
3. Definition of a stale check.
4. What is the difference between a fe…
Answer: b.) Check Hold Policy
Answer: To post-date a check, you need to write a future date…
Answer: check which is dated six months or more before it is…
Answer: ... Fee Schedule-shows all charges that apply to each sp…
1. Explains when deposited funds will…
Answer: b.) Check Hold Policy
2. Explain the process of a post-dated…
Answer: To post-date a check, you need to write a future date…
16 terms
Macro: Principles of Central Banking
Why was the Federal Reserve Act create…
What are the main functions of the US…
How did Congress ensure that the US ce…
What is the *dual mandate of the Feder…
1. Designed in response to bank panics... 2. Need to supply mone…
- conducting the nation's monetary policy by influencing the…
- Longer terms than 4 years for FOMC members so that economic…
Federal Reserve Dual Mandate... - price stability (low inflati…
Why was the Federal Reserve Act create…
1. Designed in response to bank panics... 2. Need to supply mone…
What are the main functions of the US…
- conducting the nation's monetary policy by influencing the…
16 terms
Principles of Money Banking And Financial Markets
In The United States The Money supply
Which items are generally accepted med…
Financial intermediaries are instituti…
If the price level doubles , the
(controlled by FRS) ... d. None of the above
c. paper money... d. checking accounts... e. both c & d
a. that act as middle men in transferring funds from ultimate…
a. value of the money supply falls by one half
In The United States The Money supply
(controlled by FRS) ... d. None of the above
Which items are generally accepted med…
c. paper money... d. checking accounts... e. both c & d
19 terms
Elements and Principles Word Bank
Line
Shape
Value
Texture
An elongated point, considered the path of a moving point.
The general outline of something; it is a configured or delin…
The level of luminosity of a color.
Either the actual tactile quality of a surface or a simulatio…
Line
An elongated point, considered the path of a moving point.
Shape
The general outline of something; it is a configured or delin…
60 terms
Principles of Blood Banking
Blood components
Whole blood phlebotomy
Apheresis
Donor evaluation: history
Red Blood Cells... Plasma (fresh frozen & thawed)... Platelets (sin…
Packed Red Blood Cells (PRBC)... Platelets... Plasma... Cryoprecipitate
Same as phlebotomy (except we can collect more)... Single donor-…
- Age- (>16 yrs or applicable state requirements)... - Date of…
Blood components
Red Blood Cells... Plasma (fresh frozen & thawed)... Platelets (sin…
Whole blood phlebotomy
Packed Red Blood Cells (PRBC)... Platelets... Plasma... Cryoprecipitate
11 terms
Principles of Banking CH1
Code of Conduct
Community Reinvestment Act
Credit Union
Finance Companies
Formal Guidelines approved by the board of directors that inc…
Requires that regulators evaluate if we are meeting the credi…
Members must share a common tie or bond.
Includes Personal Financial Companies like Beneficial and Cap…
Code of Conduct
Formal Guidelines approved by the board of directors that inc…
Community Reinvestment Act
Requires that regulators evaluate if we are meeting the credi…
20 terms
Banking And Finance Principles, Chapter 4
Dual Security
Uniform Commercial Code
Negotiable Instrument
Special Endorsement
a security technique that uses two or more individual parties…
a set of laws adopted by states to govern commercial and fina…
an unconditional written order or promise to pay a certain su…
Dual Security
a security technique that uses two or more individual parties…
Uniform Commercial Code
a set of laws adopted by states to govern commercial and fina…
9 terms
Blood Bank Principles (Brady)
what is the universal donor with blood?
what is the universal recipient in blo…
what test to do antibody screening?
direct coombs test vs indirect coombs…
type O
type AB
indirect coombs test, or indirect antiglobulin test
what is the universal donor with blood?
type O
what is the universal recipient in blo…
type AB
16 terms
Banking Principles Chapter 2 Vocabulary
Monetary Policy
Discount Operations
Open-Market Operations
Federal Funds
The management of a nation's money supply by a central bank,…
A tool of monetary policy in which banks borrow funds from th…
The purchase and sale of US Treasury and federal agency secur…
Excess reserves the banks deposit at Federal Reserve Banks an…
Monetary Policy
The management of a nation's money supply by a central bank,…
Discount Operations
A tool of monetary policy in which banks borrow funds from th…
72 terms
Banking and Finance Principles Ch. 2
Financial Intermediary
Monetary Policy
Discount Operations (Rate)
Open-market Operations
institution that helps channel funds from savers to borrowers
Government policy that attempts to manage the economy by cont…
a tool of monetary policy in which banks borrow funds from th…
the purchase and sale of U.S. treasury and federal agency sec…
Financial Intermediary
institution that helps channel funds from savers to borrowers
Monetary Policy
Government policy that attempts to manage the economy by cont…
5 terms
5 core principles of money and banking
time
risk
information
markets
time has value
risk requires compensation
information is the basis for decision making
markets determine prices and allocate resources
time
time has value
risk
risk requires compensation
44 terms
Principles of Business Chapter 17 Banking and Financial Services
automatic bill payment
automatic teller machine
bank money order
bank reconciliation
a service by which a bank deducts from your account and trans…
a computerized device that allows customers to make bank tran…
a form sold by a bank stating that money is to be paid to a s…
the document created to show how your own record of your chec…
automatic bill payment
a service by which a bank deducts from your account and trans…
automatic teller machine
a computerized device that allows customers to make bank tran…
89 terms
Principles of Economics - Money, Banking, Financial
Commercial ____ can create money throu…
Money supply M1 includes ____ in the h…
The two basic functions of commercial…
Math the type of financial institution…
banks
- Currency... - Coins
deposits; loans
Commercial Banks - JP Morgan Chase... Mutual Fund Companies - F…
Commercial ____ can create money throu…
banks
Money supply M1 includes ____ in the h…
- Currency... - Coins
35 terms
UP-ISB- Principles of Finance Banking
Why use banks?
Security
Convenience
Investing
Security... Convenience... Investing
Too risky to put all your money at home or to hide it away. B…
You can access your funds nearly anywhere
Save up, put money into the market
Why use banks?
Security... Convenience... Investing
Security
Too risky to put all your money at home or to hide it away. B…
29 terms
Banking and Finance Principles, Chapter 2, Banks as Businesses
Monetary Policy
Discount Operations (rate)
Open-Market Operations
Federal Funds
The management of a nation's money supply by a central bank s…
a tool of monetary policy in which banks borrow funds from th…
The purchase and sale of of U.S. Treasury and federal agent s…
Excess reserves that banks deposit at Federal Reserve Banks a…
Monetary Policy
The management of a nation's money supply by a central bank s…
Discount Operations (rate)
a tool of monetary policy in which banks borrow funds from th…
25 terms
principles of banking midterm study guide (all)
Which of the following is the electron…
ODFI
Electronic Fund Transfer Ac
Regulation E
check clearing/check 21
banking term in the United States used in connection with Aut…
a federal law enacted in 1978 to protect consumers when they…
applies to any electronic fund transfer (EFT) that authorizes…
Which of the following is the electron…
check clearing/check 21
ODFI
banking term in the United States used in connection with Aut…
60 terms
Principle's of Banking part 2
Security Interest Perfected.. ex.
2 reasons lending is important
Home Equity Loan
Apr.. Why is it important
The bank properly filing their collateral paperwork. ex. Anot…
1. Fulfills CRA requirements. ... 2. Biggest income producer
Secured close end loan, by residence. One time borrowing. Fix…
Tells total cost of credit. Interest rate for whole year.
Security Interest Perfected.. ex.
The bank properly filing their collateral paperwork. ex. Anot…
2 reasons lending is important
1. Fulfills CRA requirements. ... 2. Biggest income producer
31 terms
Chapter 7, Personal Finance Planning, Banking and Finance Principles
Two Time Honored Principles for Financ…
Time Value of Money
Dependent
Trust
Budget to Save... Save and Invest... Control Debt... Protect accumulat…
the idea that a dollar today is worth more than a dollar in t…
a person, such as a child, who depends on another person, suc…
a fiduciary relationship in which one party (a person or a co…
Two Time Honored Principles for Financ…
Budget to Save... Save and Invest... Control Debt... Protect accumulat…
Time Value of Money
the idea that a dollar today is worth more than a dollar in t…
36 terms
Economics Principles and Practice: Money, Banking, and the Fed
Federal Reserve System
Federal Reserve notes
barter economy
commodity money
privately owned, publicly controlled central bank of the Unit…
paper currency issued by the Fed
moneyless economy that relies on trade or barter
money that has an alternative use
Federal Reserve System
privately owned, publicly controlled central bank of the Unit…
Federal Reserve notes
paper currency issued by the Fed
20 terms
Principles Of Money Banking and Financial Markets chapter 11
What is not a defining characteristic…
Portfolio diversification is sometimes…
An informational advantage held by one…
In financial markets it is safe to ass…
A) Equilibrium pices
C) don't put all your eggs in one basket
C) Asymmetric information
A) the borrower has more information about the transaction th…
What is not a defining characteristic…
A) Equilibrium pices
Portfolio diversification is sometimes…
C) don't put all your eggs in one basket
45 terms
Principles of Marketing Test 2 Bank
buy classes
mystery shopper
marketing research
problem recognition
The three types of buying situations in which the buying cent…
Shoppers paid by companies to check on the quality and pricin…
"The process of defining a marketing problem and (or) opportu…
First step in Consumer Purchase Decision Process. Perceiving…
buy classes
The three types of buying situations in which the buying cent…
mystery shopper
Shoppers paid by companies to check on the quality and pricin…
41 terms
Test Bank Questions Principles of Macro
[2] Economic resource used in the prod…
[2] The model that shows the goods and…
[2] A factor of production that has be…
[2] The factors of production are:... a)…
factors of production
production possibilities
capital
labor, capital, and natural resources
[2] Economic resource used in the prod…
factors of production
[2] The model that shows the goods and…
production possibilities
20 terms
principles of money banking and financial markets chapter 10
What causes an outflow of funds from t…
What causes an inflow of funds to the…
If an american dollar cost 25 mexican…
An increase in the taste for american…
Lending by the u.s gov't to a foreign country (b)
The sale of american made goods to foreigners (c)
$0.04 (b)
supply of mexican pesos (b)
What causes an outflow of funds from t…
Lending by the u.s gov't to a foreign country (b)
What causes an inflow of funds to the…
The sale of american made goods to foreigners (c)
29 terms
principles of money banking and financial markets chapter 8
What percent of the U.S gov't debt is…
Which gov't security is non marketable?
Treasury notes are issued with an orig…
Coupon bearing securities issued by th…
50% (d)
U.S savings bond (a)
1-10 years (non of the above)
Semi annually (b)
What percent of the U.S gov't debt is…
50% (d)
Which gov't security is non marketable?
U.S savings bond (a)
37 terms
[202x1] chap 3 Genetic Principles in Blood Banking
blood group system
Blood Group Genetics
phenotype
genotype
groups of antigens on the RBC membrane that share related ser…
• Genetic material is found in DNA.... • DNA is contained in *ch…
• Physical (observed) expression of traits.... • The patient's p…
• Actual genetic makeup.... • Can only be determined by molecula…
blood group system
groups of antigens on the RBC membrane that share related ser…
Blood Group Genetics
• Genetic material is found in DNA.... • DNA is contained in *ch…
28 terms
Chapter 3 Genetic Principles in Blood Banking
Gene
Chromosomes
Mitisis
Meiosis
Segment of DNA that encodes a particular protein
Structures within the nucleus that contain DNA
Cell divisions in somatic cells that results in the same numb…
Cell division in gametes that results in half the number of c…
Gene
Segment of DNA that encodes a particular protein
Chromosomes
Structures within the nucleus that contain DNA
71 terms
Banking and Finance Principles, Chapter 2, Banks as Businesses
Financial Intermediary
Monetary Policy
Discount Operations (rate)
Open-Market Operations
a financial institutions that facilitates the exchange of fun…
The management of a nation's money supply by a central bank s…
a tool of monetary policy in which banks borrow funds from th…
The purchase and sale of of U.S. Treasury and federal agent s…
Financial Intermediary
a financial institutions that facilitates the exchange of fun…
Monetary Policy
The management of a nation's money supply by a central bank s…
22 terms
Chapter 3: Genetic Principles in Blood Banking
Genes
Chromosome
23 pairs of chromosomes... 22 pairs of au…
Phenotype
Units of inheritance that encode traits/characteristics... *Basi…
is a structure in the nucleus where genetic info (DNA) is car…
Humans have how many chromosomes? How many are autosomes and…
What you actually express
Genes
Units of inheritance that encode traits/characteristics... *Basi…
Chromosome
is a structure in the nucleus where genetic info (DNA) is car…
22 terms
Banking and Finance Principles, Chapter 3, Deposit Accounts
Point-of-Sale(POS)
Demand Deposits
Check Debit Card
ATM Card
A device used to transfer funds from a bank to a retailer to…
Funds that a customer may withdraw with no advance notice usu…
A plastic access card that enables the cardholder to purchase…
A plastic access card that enables the card holder to withdra…
Point-of-Sale(POS)
A device used to transfer funds from a bank to a retailer to…
Demand Deposits
Funds that a customer may withdraw with no advance notice usu…
83 terms
Principles of money banking and financial markets chapter 3 (kbcc)
Saver-Lenders
Borrower-Spenders
Two Fundamental Transmission Mechanisms
Financial Markets
Earn interest or dividends on their funds .(funds that flow t…
Get access to money to carry out investment plans. Also, they…
Financial markets; Intermediated markets via Financial interm…
Financial institutions through which savers can directly prov…
Saver-Lenders
Earn interest or dividends on their funds .(funds that flow t…
Borrower-Spenders
Get access to money to carry out investment plans. Also, they…
90 terms
principles of banking midterm study guide 2016
Code of Conduct
Sarbanes-Oxley Act (S.O.X.)
Conflict of Interest
Operations Department
A document adopted by top management and the board of directo…
This law has whistleblower provisions to protect bank employe…
A situation in which an action taken by an individual in an o…
Bank employees service deposits and loan account and process…
Code of Conduct
A document adopted by top management and the board of directo…
Sarbanes-Oxley Act (S.O.X.)
This law has whistleblower provisions to protect bank employe…
61 terms
Banking & Finance Principles - Great Depression Study Guide
How did the government provide jobs fo…
What are Hoovervilles?
What effect did bank and business fail…
What event helped the United States ge…
The government hired people to build government building and…
Hoovervilles were the shantytowns built by the unemployed dur…
The American people lost money, jobs, and other assets as a r…
World War 2 helped the United States out of the Great Depress…
How did the government provide jobs fo…
The government hired people to build government building and…
What are Hoovervilles?
Hoovervilles were the shantytowns built by the unemployed dur…
95 terms
IMMUNOHEMO: CH 1 - Basic Blood Bank Principles
Antigens are molecules that bind to
Allogeneic antigens:
Autologous antigens:
partial antigens that require a carrie…
antibodies or T-cell receptors
nonself antigens
self antigens
Haptens
Antigens are molecules that bind to
antibodies or T-cell receptors
Allogeneic antigens:
nonself antigens
32 terms
Principles of money banking and financial markets Chapter 1-2 (kbcc)
Financial Markets
Financial Institutions
Money
Banking
generate prices whenever securities are brought or sold.
value financial assets whenever making loans to businesses or…
Assets that people are generally willing to accept in exchang…
Is a business of accepting deposits (money) from the public,…
Financial Markets
generate prices whenever securities are brought or sold.
Financial Institutions
value financial assets whenever making loans to businesses or…
20 terms
Principles Of Money Banking and Financial Markets chapter 11
What is not a defining characteristic…
Portfolio diversification is sometimes…
An informational advantage held by one…
In financial markets it is safe to ass…
A) Equilibrium pices
C) don't put all your eggs in one basket
C) Asymmetric information
A) the borrower has more information about the transaction th…
What is not a defining characteristic…
A) Equilibrium pices
Portfolio diversification is sometimes…
C) don't put all your eggs in one basket
20 terms
principles of money banking and financial markets chapter 10
What causes an outflow of funds from t…
What causes an inflow of funds to the…
If an american dollar cost 25 mexican…
An increase in the taste for american…
Lending by the u.s gov't to a foreign country (b)
The sale of american made goods to foreigners (c)
$0.04 (b)
supply of mexican pesos (b)
What causes an outflow of funds from t…
Lending by the u.s gov't to a foreign country (b)
What causes an inflow of funds to the…
The sale of american made goods to foreigners (c)
81 terms
Principles of Economics - Central Banking and Monetary Policy
The Fed can manipulate the reserve rat…
The Federal Reserve focuses monetary p…
Which of the following are tools of mo…
Expansionary monetary policy will lowe…
Make loans
funds
- Reserve ratio... - Term auction facility... - Discount Rate... - Ope…
- interest... - demand
The Fed can manipulate the reserve rat…
Make loans
The Federal Reserve focuses monetary p…
funds
24 terms
principle of money banking and financial market chapter 17
Members of the board of governors of t…
The funds required to finance the oper…
Federal reserve banks are owned by?
The function of the federal advisory c…
Chosen by the presidents of the 12 district federal reserve b…
The earnings of the 12 regional federal reserve banks (a)
Member commercial banks (c)
(none of the above ) (d)
Members of the board of governors of t…
Chosen by the presidents of the 12 district federal reserve b…
The funds required to finance the oper…
The earnings of the 12 regional federal reserve banks (a)
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