To increase the volume of deposits, banks undertake different types of strategies. The deposit management process is becoming very much competitive. Banks are now engaged in inventing newer types of deposit schemes to attract more deposits than their competitors. There are variations in the needs and demands of the people. It is almost impossible for…
Risk is involved with every business. An insurance policy is taken for the deposited amount to avoid trouble in the banking business. The intention is that if the bank becomes failure or bankrupt, most of the small depositors will be able to regain their money. This process is called Deposit Insurance. In the USA, deposit…
The bank is a financial intermediary that accepts surplus savings as deposits and extends funds to those who can approach the bank with bankable projects. Bank officials must know about the sources of deposits. The number of funds can be increased or decreased depending on the professional skill of the bank executives. For example, stable…
CAMELS is an internationally recognized supervisory rating system to assess the strength of banks or financial institutions according to six factors.
A bank is evaluated based on profit and loss in the same way for other businesses. If the shareholder of the bank gets more profit, then the bank is identified as successful. Banks can attain success if relevant risks arc effectively controlled. The 5 types of risks that are needed to be carefully controlled. The…
Meaning of Bank Failure Bank failures result from lax credit standards, ineffectual portfolio risk policies, risks assumed beyond the limits of a bank’s capital, misreading performance barometers and neglecting technological upgrades (both system-wide and specific), loan exposure, and ineffective risk rating systems. As we shall see, banks have come under increased regulatory scrutiny, with many…
The main objective of bank management is to build an organic and optimal interaction system between the elements of banking mechanisms with a view to profit. Every successful banker has to perform managerial responsibilities along with technical banking activities. Although a bank is a financial institution like other businesses, its main objective is to maximize…
Banking is the business activity of accepting and safeguarding money owned by other individuals and entities and then lending out this money to earn a profit.
The modern banking system is important to a nation’s economic development. Over the last few years, the banking world has undergone many changes due to deregulation, technological innovations, globalization, environmental situation, etc. Banking experts believe that the banking system was introduced in the early stages of human civilization. From different angles, the source and origin…
Banks have always played an important position in the country’s economy. They play a decisive role in the development of industry and trade.
![Types of Banking [12 Different Types of Banks in the World]](https://i0.wp.com/www.iedunote.com/img/1184/banking-types.jpg?resize=300%2C200&quality=100&ssl=1 "Types of Banking [12 Different Types of Banks in the World]")
Banking is the business conducted or services offered by a bank. In a broad sense, banking is an industry that handles cash, credit, and other financial transactions. Banking can be of various types. The common 5 types of banking in the USA are; group banking, chain banking, branch banking, unit banking, and mixed banking. But…
![Banker Rights & Obligations [5 Rights and 5 Obligations of Banker]](https://i0.wp.com/www.iedunote.com/img/278/banker-rights-and-obligations.jpg?resize=300%2C200&quality=100&ssl=1 "Banker Rights & Obligations [5 Rights and 5 Obligations of Banker]")
A banker is a person who is doing banking activities or business. A banker is an officer of a bank. In a broad sense, a banker conducts the business of banking. A banker is a person who is doing banking activities or business. To continue providing the best banking services to the customers, the banker…
A customer is a person who has a bank account in his name, and for whom a tile banker undertakes to provide the facilities or services as a banker.
Banking Branch Banking System is a system of banking in which a banking organization works at more than once.
Unit banking is a system of banking under which a single banking organization provides banking services.
In the prevailing world, commercial bank management systems are more or less similar in principle. Dissimilarities exist in the scope of commercial banking activities in different countries. Communist countries’ commercial banking systems are completely different. Capitalist countries differ in respect of free-market economic banking activities. From this perspective, we can divide the major commercial banking…
According to the dictionary, “Environment” means the surrounding conditions of any person, institution, or object. These surroundings may influence those persons, institutions, or objects differently, such as economic, social, political, cultural, technological, etc. Finding the relationship between business and environment, famous economist “Kotler” says, “Business environment means a surrounding situation or influencing power that influences…
The Board of directors, as agents of the shareholders, monitors the functions of the bank, whether it is performed efficiently or not, and also solves all the problems. An existing bank’s board of directors is normally elected in an annual general meeting held after a specific time interval. When there is successful management in the…
Causal research, also called causal study, an explanatory or analytical study, attempts to establish causes or risk factors for certain problems.
Access to law and legal materials is a pre-condition for conducting legal research. Law reports provide an ideal avenue for primary sources such as statutory law and judicial decisions. There are nine sources of legal research. Law Reports Law reports play an important role in legal systems based on common law tradition. A law report…