Banking - Industry

Banking - Industry

The Banking industry deals with the section of the economy devoted to the holding of financial assets for others and investing those financial assets as a leveraged way to create more wealth. It is an industry that handles cash, credit, and other financial transactions, including regulation of banking activities by government agencies, insurance, mortgages, investor services, and credit cards. As it plays as one of the key drivers of a country’s economy, it provides the liquidity needed for families and businesses to invest in the future. The most prevalent trend in the banking industry today is the shift to digital, specifically mobile and online banking. This digital transformation has led to increased competition from tech startups, as well as consolidation of smaller banks and startups.

Industries

Credit Cards
Financials
Insurance

Terms

Banking System
Interest Rate
Lending
Mortgage

Mentioned by the Following

Entities

Ameriprise Financial
Ashika Group
Avantgarde Finance Ltd
BNP Paribas
BNP Paribas S.A.
Bank of America
Barclays Investment Bank
Canadian Imperial Bank of Commerce
Chapman and Cutler
Citigroup
Federal Reserve Bank of Atlanta
First Republic
HSBC
Kidder, Peabody & Co.
Moorad Choudhry Financial
Napkin Finance
Nomura
PagnatoKarp
Perfect Relations
Polish Financial Supervision Authority
Standard Chartered PLC
The Fortune Teller
United Arab Bank
Wells Fargo

Entity Types

Bank
Financial Services

Events

2008 Financial Crisis

Industries

Accounting

People

Adair Turner
Adam Carlin
Alan Boyce
Alan Lane
Alex Batlin
Aniket Ullal
Bill Erbey
Bill Gunderson
Burt Malkiel
Chris Whalen
Cormac Leech
David Andolfatto
David Enrich
David Hou
Dennis Chen
Ed Conway
Ed Harrison
Erik Conley
Francesca Taylor
G. Edward Griffin
Gareth Murphy
Gerald Jensen
Jay Soloff
John Heins
John Turner
Jonathan Sandelman
Josh Holt
Kate Kelly
Kay Van-Petersen
Keith Mullin
Kelly King
Ken Monahan
Kevin Warsh
Kiril Sokoloff
Lance Roberts
Leo Kolivakis
Maitha Al Shamsi
Marco Krohn
Mark Valek
Matein Khalid
Michael Boyd
Michael Pettis
Mike Corbat
Mike Heroux
Moorad Choudhry
Moriah Costa
Nancy Zambell
Neels Heyneke
Nomi Prins
Paul Pagnato
Paul Schulte
Paul Westra
Pedro da Costa
Peter Atwater
Peter Rohr
Philippe Bekhazi
Randy Conner
Reza Zafari
Richard Jones
Richard Koo
Richard Sylla
Richard Vague
Rida Morwa
Robert Lovett
Russell Jones
Satyajit Das
Scott Sonenshein
Shane Oliver
Sheila Bair
Simon Bowmaker
Simon Ree
Stephan Livera
Stephen Antczak
Steven Bavaria
Steven Goldstein
Steven Maijoor
Ted Siedle
Thomas Herold
Todd Gibbons
Victor Shih

Positions

A Fighting Chance
America's Bank
An Introduction to Banking
Bail-ins and Bank Resolution in Europe
Bank Deregulation and Monetary Order
Banking On Financials
Banking in Crisis
Banks & Banking Terms
Competition and Finance
Corporate Financial Distress and Bankruptcy
Credit Derivatives
Credit Writedowns
Doing Business In China for Dummies
Enough
Factions and Finance in China
Finance and Philosophy
Financial Risk Analytics
Financial Stability Without Central Banks
Financial Words You Should Know
Global Repo Markets
High Financier
Houston Legends
How Privatized Banking Really Works
Investor Junkie
Investormint
Laissez-Faire Banking
Laws & Regulations
Life in the Financial Markets
Money Games
Naked Money
Oil, Dollars, Debt, and Crises
Stigum's Money Market
Student to CEO
Swap & Derivative Financing
The Chicago Plan and New Deal Banking Reform
The Dividend Machine
The End of Alchemy
The Federal Reserve and the Financial Crisis
The Five Rules for Successful Stock Investing
The Future of Finance
The Money Deception
The Money Markets Handbook
The Moorad Choudhry Anthology
The New York Money Market and the Finance of Trade, 1900-1913
The Ongoing Revolution in American Banking
The Principles of Banking
The World's Banker
Wall Street PR
Wealth Pilgrim
Your Smart Money Moves

Strategies

Corporate Finance
Financial History
Investment Banking
Investment Management
Personal Finance

  • Banks are impacted by interest rates
    • They lend to borrowers at long-term rates or floating rates
    • They borrow themselves at short-term rates
    • They earn a spread between the two (long-term rates are usually > short-term rates)
      • This spread is called "net interest margin)
      • Banks do better when the spread is larger (wider yield curve)
      • Banks do worse when the spread is tighter (flat yield curve)