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Banking Industry

by: Louise Alessandra Laguit

Banking Industry BNAD 100

Marketplace > University of Arizona > BNAD 100 > Banking Industry
Louise Alessandra Laguit
GPA 4.0

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About this Document

Commercial banks, credit unions, and investment banking.
Language and Context of Business
Robert Matteucci
Class Notes
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This 3 page Class Notes was uploaded by Louise Alessandra Laguit on Thursday March 24, 2016. The Class Notes belongs to BNAD 100 at University of Arizona taught by Robert Matteucci in Winter2015. Since its upload, it has received 12 views.


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Date Created: 03/24/16
Wednesday, March 2, 2016 BNAD 100 Banking (Jeff Welters) Commercial Banks safeguard money and pay interest - checking account, savings account - insured deposits (FDIC) up to $250,000 loan money - mortgages - auto loans - student loans - small business loans facilitate transactions - debit and credit cards - bill pay help invest money - stocks - bonds - mutual funds - life insurance - retirement accounts Different Ways of Banking commercial banks: for profit; some online-only credit unions: non-profit; local/regional; give loans at cheaper interest rates 1 Wednesday, March 2, 2016 crowd funding sites: people join together to loan money for a business idea (e.g. GoFundMe, Kickstart) Areas of Investment Banks investment banking sales and trading of securities Investment Banking help companies and governments raise money from investors - issue stock (equity) - issue bonds (loans) give companies advice on complex transactions (Should Comcast buy Yahoo? How many shares of stock should Tesla sell, and at what price?) give advice to companies to merge or acquire another company “going public”: raising money by issuing stock (equity) to the public (investors); e.g. Shake Shack “merger” or “acquisition”: a company buys another company, or two companies combine into a single company; e.g. Yahoo! Sales and Trading of Securities help clients buy and sell financial securities (stocks, bonds, mutual funds, ETFs, derivatives, etc.) - “market maker” - earn small commission on each trade buy and sell financial securities with the bank’s money (risk the bank’s money) 2 Wednesday, March 2, 2016 The Government’s Role in Banking Federal Deposit Insurance Corporation (FDIC): protects people’s bank accounts up to $250,000 the Federal Reserve (the FED): the central bank of the United States; maximizes employment, stabilizes prices, and sets long-term interest rates the Securities & Exchange Commission (the SEC): enforces laws for U.S. corporations Careers in Banking commercial banks - credit analyst: analyzes risk, makes credit decisions; degrees in Finance and Accounting - relationship manager: finds new customers, customer service, relationships; degrees in Finance, Marketing, and Management - branch manager: manages a local bank office; degrees in Finance, Marketing, and Management - financial advisor: manages money; degrees in Finance and Marketing investment banks - investment banker: construct valuation models and determine the worth of companies’ degrees in Finance and Accounting - sales and trading: understand how markets behave, value stocks, bonds, and so on; degrees in Finance, Economics, Math, and Engineering all banks - technology: manage systems and customer online experience; degrees in MIS and Engineering - financial reporting: analyze financial performance and prepare financial statements; degrees in Accounting and Finance - operations: analyze processes to make more efficient and effective; degrees in Accounting, Finance, and MIS 3


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