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

Ally Invest
Ameriprise Financial
Ashika Group
Avantgarde Finance Ltd
BNP Paribas
BNP Paribas S.A.
Bank of America
Barclays Investment Bank
Boston Private
Brenton Point Wealth Advisors
Bridge Financial Technology
Bryn Mawr Trust
California Alternative Investments Association
Canadian Imperial Bank of Commerce
Chapman and Cutler
Citigroup
Clocktower Technology Ventures
Coutts
Cowen Inc.
Cresset Capital
DC Advisory
Federal Reserve Bank of Atlanta
Federal Reserve Bank of Boston
Fidelity National Information Services
FinTech Collective
Financial Select Sector SPDR Fund
First Republic
Gemini
HSBC
J. Stern & Co.
JP Morgan Chase & Co
Kidder, Peabody & Co.
Macquarie Group
Moorad Choudhry Financial
Napkin Finance
Nomura
Nubank
Odyssey Capital Advisors
PagnatoKarp
Perfect Relations
Polish Financial Supervision Authority
RBC Wealth Management
RavenPack
Raymond James Financial
Robertson Stephens
Rosenblatt Securities
Schechter Wealth
Sidar Global Ventures
Snowden Lane Partners
Standard Chartered PLC
Steel Partners Holdings
Sygnum Bank
Tearsheet
The Fortune Teller
UMB Fund Services
United Arab Bank
Venturi Private Wealth
Weiss Ratings
Wells Fargo
cmorq

Entity Types

Bank
Financial Services

Events

2008 Financial Crisis

Industries

Accounting

People

Aaron Dykas
Adair Turner
Adam Carlin
Adam Mead
Adena Hefets
Alan Boyce
Alan Lane
Alan Snyder
Alan Zafran
Alex Batlin
Alex Knaster
Andrew Irvine
André Perold
Andy Beal
Aniket Ullal
Anthony DeChellis
Atul Varma
Baijnath Ramraika
Basil Karatzas
Bill Barhydt
Bill Erbey
Bill Gunderson
Brian Higgins
Brian Reynolds
Bruce Lowthers
Bruce Munster
Bruce Pon
Bruno Pannetier
Burt Malkiel
Chris Vogelzang
Chris Whalen
Christina Boyd
Cormac Leech
Craig Pfeiffer
Damian Paletta
Damien Buchet
Dan Sondhelm
David Andolfatto
David Enrich
David Hou
David Martin
David Zornitsky
Delano Saporu
Dennis Chen
Ed Conway
Ed Harrison
Edward Symons
Elaine Meyers
Eric Rosengren
Erik Conley
Eva Beylin
Ezra Zask
Francesca Taylor
G. Edward Griffin
Gareth Murphy
Gary Norcross
George Hicks
Gerald Jensen
Greg Franks
Harold Trischman
Helen Thomas
Irene Finel-Honigman
James Elbaor
Jan Brzeski
Jan Vlietstra
Jay Soloff
Jeffrey Christian
Jim Bantis
Joe Karas
John Bowman
John Heins
John Jannarone
John Turner
Jonathan Sandelman
Josh Holt
Jurgen Muhlhauser
Karen Berman
Kate Kelly
Kay Van-Petersen
Keith Mullin
Kelly King
Ken Monahan
Kent Kirby
Kevin Warsh
Khalid Quadir
Kiril Sokoloff
Lance Roberts
Laura Shin
Laurence Kotlikoff
Leo Kolivakis
Lionel Paquin
Lone Fønss Schrøder
Lyle LaMothe
Maitha Al Shamsi
Manmohan Singh
Marco Krohn
Mark Grant
Mark Valek
Martin Friedman
Mary Mullin
Matein Khalid
Matt Sirovich
Mel Lagomasino
Michael Boyd
Michael Petley
Michael Pettis
Michael Pusateri
Michael Zeuner
Mike Corbat
Mike Gallagher
Mike Heroux
Mike Larson
Moorad Choudhry
Moriah Costa
Nancy Zambell
Neels Heyneke
Nick Hudson
Nick Talwar
Nicolas Namias
Noel Quinn
Nomi Prins
Nuno de Sousa
Paul Kovarsky
Paul Pagnato
Paul Schulte
Paul Westra
Pedro da Costa
Peter Atwater
Peter Rohr
Philippe Bekhazi
Pierre Andurand
Prateek Mehrotra
Preston McSwain
Raghuram Rajan
Raj Vig
Randy Conner
Ray Merriman
Rebecca Patterson
Reza Zafari
Rich Apostolik
Richard Duncan
Richard Fisher
Richard Jones
Richard Koo
Richard Sylla
Richard Vague
Rida Morwa
Rob Mooney
Robert Lovett
Robert Sharratt
Roberto Sallouti
Roger Wacker
Russell Jones
Russell Lamberti
Ryan Dinse
Sam Dunlap
Santiago Ulloa
Satyajit Das
Scott Robertson
Scott Sonenshein
Sebastian Mallaby
Serge Krancenblum
Seth Bernstein
Shane Oliver
Shannon McConaghy
Sheila Bair
Simon Bowmaker
Simon Potter
Simon Ree
Sopnendu Mohanty
Stephan Livera
Stephanie Ferris
Stephanie Pierce
Stephen Antczak
Steve Brice
Steven Bavaria
Steven Goldstein
Steven Maijoor
Ted Siedle
Ted Truscott
Thomas Gottstein
Thomas Herold
Thomas Hugger
Todd Gibbons
Tom Gahan
Tom Steyer
Victor Shih
Viktor Shvets
Wai-Kwong Seck
Warren Mosler

Publications

1%
13 Bankers
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
Banking on the World
Banks & Banking Terms
Basic Finance
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
Nomad Capitalist
Oil, Dollars, Debt, and Crises
Personal Finance Desk Reference
Personal Finance at Your Fingertips
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
Wall Street Stock Selector
Wealth Pilgrim
Your Smart Money Moves

Terms

Corporate Finance
Financial History
Investment Banking
Investment Management
Personal Finance

Aaron Dykas

Adair Turner

Adam Carlin

Adam Mead

Adena Hefets

Alan Boyce

Alan Lane

Alan Snyder

Alan Zafran

Alex Batlin

Alex Knaster

Andrew Irvine

André Perold

Andy Beal

Aniket Ullal

Anthony DeChellis

Atul Varma

Baijnath Ramraika

Basil Karatzas

Bill Barhydt

Bill Erbey

Bill Gunderson

Brian Higgins

Brian Reynolds

Bruce Lowthers

Bruce Munster

Bruce Pon

Bruno Pannetier

Burt Malkiel

Chris Vogelzang

Chris Whalen

Christina Boyd

Cormac Leech

Craig Pfeiffer

Damian Paletta

Damien Buchet

Dan Sondhelm

David Andolfatto

David Enrich

David Hou

David Martin

David Zornitsky

Delano Saporu

Dennis Chen

Ed Conway

Ed Harrison

Edward Symons

Elaine Meyers

Eric Rosengren

Erik Conley

Eva Beylin

Ezra Zask

Francesca Taylor

G. Edward Griffin

Gareth Murphy

Gary Norcross

George Hicks

Gerald Jensen

Greg Franks

Harold Trischman

Helen Thomas

Irene Finel-Honigman

James Elbaor

Jan Brzeski

Jan Vlietstra

Jay Soloff

Jeffrey Christian

Jim Bantis

Joe Karas

John Bowman

John Heins

John Jannarone

John Turner

Jonathan Sandelman

Josh Holt

Jurgen Muhlhauser

Karen Berman

Kate Kelly

Kay Van-Petersen

Keith Mullin

Kelly King

Ken Monahan

Kent Kirby

Kevin Warsh

Khalid Quadir

Kiril Sokoloff

Lance Roberts

Laura Shin

Laurence Kotlikoff

Leo Kolivakis

Lionel Paquin

Lone Fønss Schrøder

Lyle LaMothe

Maitha Al Shamsi

Manmohan Singh

Marco Krohn

Mark Grant

Mark Valek

Martin Friedman

Mary Mullin

Matein Khalid

Matt Sirovich

Mel Lagomasino

Michael Boyd

Michael Petley

Michael Pettis

Michael Pusateri

Michael Zeuner

Mike Corbat

Mike Gallagher

Mike Heroux

Mike Larson

Moorad Choudhry

Moriah Costa

Nancy Zambell

Neels Heyneke

Nick Hudson

Nick Talwar

Nicolas Namias

Noel Quinn

Nomi Prins

Nuno de Sousa

Paul Kovarsky

Paul Pagnato

Paul Schulte

Paul Westra

Pedro da Costa

Peter Atwater

Peter Rohr

Philippe Bekhazi

Pierre Andurand

Prateek Mehrotra

Preston McSwain

Raghuram Rajan

Raj Vig

Randy Conner

Ray Merriman

Rebecca Patterson

Reza Zafari

Rich Apostolik

Richard Duncan

Richard Fisher

Richard Jones

Richard Koo

Richard Sylla

Richard Vague

Rida Morwa

Rob Mooney

Robert Lovett

Robert Sharratt

Roberto Sallouti

Roger Wacker

Russell Jones

Russell Lamberti

Ryan Dinse

Sam Dunlap

Santiago Ulloa

Satyajit Das

Scott Robertson

Scott Sonenshein

Sebastian Mallaby

Serge Krancenblum

Seth Bernstein

Shane Oliver

Shannon McConaghy

Sheila Bair

Simon Bowmaker

Simon Potter

Simon Ree

Sopnendu Mohanty

Stephan Livera

Stephanie Ferris

Stephanie Pierce

Stephen Antczak

Steve Brice

Steven Bavaria

Steven Goldstein

Steven Maijoor

Ted Siedle

Ted Truscott

Thomas Gottstein

Thomas Herold

Thomas Hugger

Todd Gibbons

Tom Gahan

Tom Steyer

Victor Shih

Viktor Shvets

Wai-Kwong Seck

Warren Mosler

  • 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)