Category: Banking

Impact of Bank Regulation, Market Structure, and Institutions on Cost of Financial Intermediation Introduction Existence of financial intermediaries is a key element for smooth functioning of an economy. Financial intermediaries refer to all the financial institutions such as bank and non-bank financial institutions that are established within an economy (Richard, Burton & Norman, 2004, p.2).…

HSBC Bank and Barclays Bank: Comparison and Risk Exposures Table of Contents Introduction Performance of HSBC Bank and Barclays Bank Risk Exposures of Barclays and HSBC Banks Recommendations Conclusion References Introduction The overall effect of the global financial crisis was making all financial institutions including the multinational ones experience threats of collapsing. The crisis played…

The Central Bank Currency in the Monetary System Article Summary The articles main focus is on the fundamental of the central bank currency in the monetary system. Armelius et al (2020) argues that individuals cannot be issued with the mandate of converting their commercial money into central bank money. The significant question is viewed from…

Wachovia Bank Financial Report Table of Contents Introduction Financial Analysis Conclusion References Introduction Wachovia bank, which is now a part of Wells Fargo bank, was regarded as the fourth-largest bank holding company in the USA, the financial system of which was based on total assets. The merger with Wells Fargo Bank was stimulated by loan…

Bank of Credit and Commerce International Case Table of Contents Introduction Issues Connected With BCCI Scandal Lack of Risk Management Practices Ethical Issues Lack of Corporate Governance Conflicts of Interest Absence of Auditing Procedures Confidentiality Requirements Conclusion References Introduction When the branch offices of the Bank of Credit and Commerce International (BCCI) in seven countries…

The Bank of America on the Verge of Substantial Changes Introduction The Bank of America is on the verge of substantial changes, as during the 2007-2008 crisis, the organization made inadequate investments and acquisitions. The recent estimations show that the Bank lost almost $40 billion, which negatively affected the growth margins and caused loss of…

COVID-19 Effects for Truist Bank COVID-19 is an infectious disease that was first identified in the United States in January of 2020. One of the main issues for banks is that a large number of clients, borrowers, and businesses are currently facing hardships such as job loss, slowed sales, and a decrease in profits. Due…

Affective and Cognitive Factors That Hinder Banking Relationships Introduction The modern banking system presents a set of difficulties for an average consumer that can harm their best interests and lead to a loss of finances or inadequate handling. For various reasons, financial operations require a certain level of cognitive and psychological abilities that many potential…

Finance: The Currency School-Banking School Debate Introduction The period of the 1840s in the history of the economic thought is characterized by a significant controversy observed between the Currency School and Banking School. The debate influenced not only the British monetary system but also the approaches to the monetary policies in the United States (Block…

CNP Bank Card: Case Analysis Table of Contents Problem Statement Analysis of the Case Problem Solution Justification Summary Reference Problem Statement In the world of the market economy, credit cards are becoming more popular, and they are swiftly displacing traditional forms of payment. However, with the growing acceptance of the medium, the risk of default…