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Posts Tagged ‘Banks role’

The role of banks

Category: Concept of the Bank and the Banking System

The following story is going to explain the role of banks. In the past most societies used different objects as money. Some of these were valuable because they were rare and beautiful, others- because they could be eaten or used. Early forms of money like these were used to buy goods. They were also used […]



Relationships with customers of the bank

Category: Concept of the Bank and the Banking System

The Bank, being the product of the needs of the economy, in the midst of economic life, aims to promote the interests of their clients. It is no coincidence therefore, in recent years, more and more established the ideology of the bank as a partner. Partnerships have certain properties. They are characterized by:



Presentation on the essence of the bank with the position of its historical development

Category: Concept of the Bank and the Banking System

The history of ancient times did not leave enough complete information about when the banks have, what operations they perform, which was the driving force behind their development. Now save the details of the first money of ancient peoples (shells, furs, gold bullion coins of the primitive), but not about banks. In other words, modern […]



Modern ideas about the nature of the bank

Category: Concept of the Bank and the Banking System

Observations on the origin of the bank, no doubt, are essential for analysis, as if they are closer to disclosing the essence of the bank, but not everything is clear, the essence of the bank remains a mystery. Banking institutions varied. In modern society, banks have engaged in various kinds of operations. They not only […]



Bank as part of the banking system. Types of banks

Category: Concept of the Bank and the Banking System

The Bank is a member of the banking system. This means that it should: 1) have such generic properties that allow it to be an organic part of the whole (to have the status of the bank, the license for banking operations), operate under the general rules of the game; 2) operate within the general […]



Managing the credit process

Category: Corporate Banking

1. The banks productivity Benchmarking studies comparing how banks in different countries go about their business, show that there is a wide spread in productivity. In 1991, added value per working hour was 93 USD in America versus 84 USD in Asia and only 52 USD in Europe. The number of people employed by the […]



Financing instruments. Pricing

Category: Corporate Banking

The price charged for a credit must cover the banks administrative and refinancing expenses. Most important, the margin must reflect the risk that is associated with each particular credit. The various factors influencing the pricing decisions are as follows:



Financing instruments. The financing needs of a company

Category: Corporate Banking

This chapter will focus on loans as a means of financing a company. Financing instruments like leasing or factoring , in effect, pose similar risks as loans. It is mainly for tax-driven reasons that companies resort to leasing. Since tax laws are very different even within Western countries, this chapter will only give a brief […]



Development division. International function

Category: Bank Management

International operations 1 Objectives may be different: To accompany their customers when they invest abroad To develop a standard banking activity



Development division. Capital market function

Category: Bank Management

During the last ten years, economic evolutions, disintermediation, internationalization and technological evolutions have contributed to the development of market activities.