Banking Essay Examples - Free Research Paper Topics on StudyDriver.com

The Need to Improve the Treasury Department Finance Essay

The word bank is derived from an Italian word ‘Banque’ which means beanch. The view has the basis that early bankers conduct their business while sitting on benches in Italy. Bank is a financial institution which accepts deposits of money from the public for the purpose of lending or investing and these deposits are repayable on demand or otherwise can be withdraw by cheque, draft order or otherwise (Banking Companies Ordinance 1962). It also converts the domestic currency in the […]

The Npa of Punjab and Sind Bank Finance Essay

NPAs have turned to be a major stumbling block affecting the profitability of Indian banks before 1992,banks did not disclose the bad debts sustained by them and provision made by them fearing that it may have an adverse. Owing to the low levels of profitability, banks owned funds had to be strengthened by repeated infusion of additional capital by the government. The introduction of prudential norms strengthen the banks financial position and enhance transparency is considered as a milestone measure […]

The Process of Banks and Financial Insistutions Finance Essay

Introduction The financial system of Bangladesh consists of Bangladesh Bank (the central Bank of country), Schedule banks, financial institutions (Non-banking), various co-operative societies, insurance companies, microfinance institutions (MFIs) and non-government organizations (NGO). Direct regulation and supervisory responsibility over the system rests with Bangladesh Bank. Among the 48 schedule banks, there are 4 state owned commercial banks, 5 state owned specialized banks, 30 domestic private commercial banks, 9 foreign commercial banks and 29 non-bank financial institutions. Financial institutions represent one of […]

Impact of Electronics Banking on the Banking System

Twenty first century is the century of science and technology. Science and technology changes people both personal and professional lives. The rapid changes and advancement in electronic devices and its distribution channels that have produce tremendous changes in business from last two decades. [1] Growing competition between bank and non-bank financial institutions also raises a question that why some customers are adopting one distributional channel and others are not and identification of those factors that may influence customers to adopt […]

Consequences of Liquidity Crisis on the Interbank Market Finance Essay

Interbank markets are the mean for the liquidity management and the transmission of monetary policy. Actually they work as the markets that banks use, to trade among themselves in order to remain liquid and meet their liabilities. Interbank markets function with two ways within the financial system. Firstly they can be used from the central banks as their median to intervene and enforce their policies so to configure the desired interest rates. Secondly, a well organized interbank market enable the […]

Domestic Wire Transfers are Governed by Federal Regulation Finance Essay

In the United States, domestic wire transfers are governed by Federal Regulation and by Article 4A of the Uniform Commercial Code. The country register information regarding international transfer to make sure that funds are not sent to terrorist organizations or countries and entities under sanction by the government. It is the OFAC, the Office of Foreign Assets Control, which is in charge to monitor international transfers. If the office suspects that financial transfers are sent to one of these entities, […]

Easy Credit Conditions and Growth of Housing Bubbles Finance Essay

Based on economist view, there are many reasons for economic crisis happened in 2008. Most economists believe that it happening in the United States. From 1997 to 2006, people buy very pricey houses even though they did not have enough money. But because of the money upcoming in to the U.S. from other countries, it was easy to have good credit. People used this credit for pricey home loans so this formed a housing bubble, which made the price of […]

Examining the Causes and Effects of Financial Crisis Finance Essay

A financial crisis is interruption to financial markets that disrupt the market’s capacity to allocate capital – financial intermediation and hence assets come to a cut short. Recently in 2008 the world has been affected with financial crisis. In this paper we are going to see the cause of financial crisis, how it started and effect the world. And also the thoughtful and critical analysis is made for the origin of the recent financial crisis. All the articles and various […]

Factors that Affect Customer Choice of a Bank Finance Essay

Introduction of banks: For the past three decades Indias banking system has several outstanding achievements to its credit. The most striking is its extensive reach. It is no longer confined to only metropolitans or cosmopolitans in India. In fact, Indian banking system has reached even to the remote corners of the country. This is one of the main reason of India’s growth process. The government’s regular policy for Indian bank since 1969 has paid rich dividends with the nationalisation of […]

How Islamic Financing Differs from Conventional Western Financing Finance Essay

According to the Oxford Business Group Sharia law prescribes the ethical responsibilities of the Muslim faithful and forms the basic principles of Islamic financing. Islamic financing must therefore follow the teachings of the holy Quaran and the Sunnah which prescribe the Muslims way of life. For centuries these laws have been governing financial transactions and trade amongst Muslims .The group further states that Islamic financing encompasses the range of financial transactions that comply with provisions of Sharia or Islamic law. […]

Mission of Microfinance Institutions Versus Microfinance Goes Public Finance Essay

The difference between many of commercial banks and microfinance institutions (MFIs) is the commitment to a double-bottom line, financial and social, of the latter. The microfinance itself is considered as a poverty alleviation tool and as the sector with potential to become self-sustainable. There have been a number of debates about the future of the microfinance industry. Since 1990s, some debates regarding the possibility of achieving the social mission of the MFIs, mission to serve the poor and thus to […]

Objective and Functions of Asset Liability Management Committee Finance Essay

Introduction ALM means asset liability management. ALM is defined as, “the process of decision – making to control risks of existence, stability and growth of a system through the dynamic balances of its assets and liabilities.” ALM is the process involving decision making about the composition of assets and liabilities including off balance sheet items of the bank / FI and conducting the risk assessment. ALM is an integral part of the financial management process of any bank. ALM is […]

Receiving Bonuses when Banks have been Bailed out Finance Essay

As expected, the answer to this question cannot be framed in a simple Yes or No, because it is a complicated situation where the financial sector employees are gifted with huge bonuses to retain them and keep them motivated but it is highly debatable as to how feasible it is to continue doling out bonuses even when they are being bailed by the national governments during the recession. The Secretary of Financial Services UK, Lord Myners clearly indicated that there […]

Risk Areas of the Royal Bank of Canada Finance Essay

Royal Bank of Canada (RBC) is the largest bank in Canada in terms of the assets and market capitalization. It provides diversified financial services including Canadian and international banking for personal users and commercial users, wealth management services, insurance, corporate and investment banking, capital markets and transaction processing services. Risks are lack of certainty of outcome and they are measured by set of probabilities in order to estimate the loss. A superior wealthy financial service company should be able to […]

Role of the National Bank and its Intervention Finance Essay

In Georgia, as in the world’s most ancient civilized countries, the monetary-credit relations, the existence of different credit facilities and banks have a very long history. Different types of credit institutions, such as credit unions appeared in the VIth century BC in ancient Georgian kingdoms of Colchis and Iberia. These institutions were the precursor of today’s banking system. This process permanently continued and further accelerated, and in the 8th century, wide variety of credit organizations – banks in today’s term […]

Study on the Main Determinants of Bank Failure Finance Essay

During the last decade, banking industry has become highly competitive, resulting in many banks to use aggressive strategies in order to survive or maintain their respective share in the market. This tendency of these financial institutions to become more aggressive when confronted with competitive pressures has led many banks to fail. Banking industry has gone through significant changes and is continuing to undergo major structural alterations. This dynamic structure results in an uncertain environment for the industry. The recent financial […]

The Causes and Effects of the Credit Crunch Finance Essay

The words credit crunch have been all over the financial headlines in the UK, including the effects that has hit the financial markets both in the UK and in other parts of the world have been reflected in a number of ways, affecting both financial institutions(banks) and consumers. Several authors and regulators have showed their different views about the causes and effect of credit crunch. Many economists studying the credit crunch explain it as a cyclical fall in credit demand. […]

The Development of Local Conventional Banks in Malaysia Finance Essay

This study investigates the development of local and foreign commercial banks conventional and Islamic banks in Malaysia for more than past ten years. From this we can see the growth of both types of banks. Besides that, from this we can see that even during crisis Islamic banks was stable compared to conventional banks. In addition, we analysed how Financial Blueprint will impact commercial banks in the next ten years. Furthermore, the prospects of Islamic banking in the near future […]

The Industrial Credit and Investment Corporation in India Finance Essay

ICICI (The Industrial Credit And Investment Corporation in India) bank is the 4th largest bank in India incorporated in 1994 which went public in 1997. Earlier in 1955,ICICI came in existence due to World Bank initiative and the government.After that,ICICI announced their Banking subsidiary ICICI bank to overcome their banking operations like deposits,car loans,credit cards.Today ICICI bank has around 1700+ branches and 4271+ Atm’s in India and covers 19 countries globally CORE BUSINESS:- Banking and financial services are the core […]

The Role and Powers of the Central Bank Finance Essay

The Central Bank of Malaysia like other countries does have the same role. Malaysia is a place or country which it has a various financial institutions and banks operating the states managing the about the monetary. Under the Central Bank of Malaysia 2009 section 4 state that the bank might be the Central Bank of the Malaysia. Its had been established on 24 January 1959. The Banking Ordinance 1958 was provided a licensing and regulation on the banking business also […]

The Role of Financial Markets and Financial Institutions Finance Essay

What is financial market? In the economics, the financial market is a mechanism that allows the people to sell and buy the financial commodities, securities and other fungible items of value at a low transaction costs and at prices that reflect the efficient-market hypothesis. The financial markets can be divided into different subtypes, there are capital markets, stock markets, bond markets, commodity markets, money markets, derivatives markets, future markets, insurance markets and foreign exchange markets. Next, the capital markets consist […]

Who Caused Financial Crisis Investment Bankers or Government Finance Essay

The aim of this essay is to try to examine who was responsible for the financial crisis of the recent years, which hit the whole world’s economy. It is reasonable to blame both the government and the banks, which together contributed to create a speculative financial system, but also the mortgage holders, who asked for loans they were not able to pay. The government lacked enough control and regulation, while the banks focused on making the biggest short-term profits they […]

What would Life be Like Without the Use of Internet

Imagine a scenario where you woke up to a surprising Internet breakdown. With no Google Maps to discover your direction in a bizarre city? With a Visa unfit to pay for your lunch? You could contend that this sort of “computerized detox” would be gainful. We’d take our eyes off screens and initiate genuine discussions with one another. We’d find that our cell phones can really settle on telephone decisions. We’d bring back fax machines, and begin making notes by […]

Agriculture Loan Interest Rate: all you Need to Know

Agriculture is the main profession of people in rural India but from the past few decades, it has been facing problems in all parts of the country. Climate change, over production, lack of infrastructure, low prices of agri produce are some of the factors that have caused distress to farmers and it is these reasons that have made the government take note of their plight. The government has announced many pro-farmer policies and also waived off loans to bring them […]

Student Loan Levels

Student Loan Levels in the United States Student loans have risen significantly in recent years. In this paper, we explore some of the reasons for this occurrence, the issues associated with the occurrence, and potential solutions to the problem. Rising Costs of College From what has been researched, the key reason why college tuition cost has been increasing over the past years lies within the explanation of supply and increasing demand. In other words, more students requires or leads to […]

The Average Student

Do you want to spend 20 years of your life paying off your student loans? If you could have a chance to pay for college with cash, would you take it? If you save up the money throughout your life, you can be debt free and making profit after you graduate from college. It’s the perfect alternative due to the fact that you won’t be in debt, and you’ll have money to use for important events and even the small […]

How to Attract Millennials?

According to Visa, Millennials are the fastest growing and largest population segment in the United States with more than 75 million men and women. This statistic is relevant because millennials are our tomorrow, and it is vital to capture their business. Visa further goes on to say that the majority of checking accounts (69 percent) happen prior to college. Although millennials may be familiar with a checking account, they are less familiar with CD’s, they prefer borrowing money from their […]

My Student Loans

Why I defaulted on My Student Loans written by Lee Siegel shares personal experiences when he was young of why he defaulted on student loans. Loan Default can be described as when a person fails to pay of their loan that was given to them on a specific date. Siegel recommends that college graduates should take his route if you owe a lot of money. The route that Siegel chose was to borrow money from the Board of Education, and […]

Income Contingent Loans

Income Contingent Loans Can Solve the Student Loan Debt Crisis Students in the US are currently drowning in student loan debt. One recent study found that the majority of American borrowers, 56% of them struggle with paying their student loan payments in the first five years after college.(Paragraph 12) Finding a solution to the problem will help millions of students. This US should adopt income contingent loans to solve the student loan debt crisis. Imagine yourself being fresh out of […]

Internship Report of an Islamic Bank

Introduction what is bank? A bank is a financial institution, which deals with money and credit. It accepts deposits from individuals, firm and companies at a lower rate of interest and gives at a higher rate of interest to those who need them. The difference between the terms at which it borrows and those at which it lends from the source of it profit. A bank, thus, is a profit earning institution. History of islamic banking in pakistan 1947 The […]

Banking Essays