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

Ally Invest
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
Coutts
Cowen Inc.
Cresset Capital
Federal Reserve Bank of Atlanta
Federal Reserve Bank of Boston
Financial Select Sector SPDR Fund
First Republic
Gemini
HSBC
JP Morgan Chase & Co
Kidder, Peabody & Co.
Moorad Choudhry Financial
Napkin Finance
Nomura
PagnatoKarp
Perfect Relations
Polish Financial Supervision Authority
Raymond James Financial
Robertson Stephens
Rosenblatt Securities
Standard Chartered PLC
Steel Partners Holdings
Sygnum Bank
The Fortune Teller
United Arab Bank
Weiss Ratings
Wells Fargo

Entity Types

Bank
Financial Services

Events

2008 Financial Crisis

Industries

Accounting

People

Adair Turner
Adam Carlin
Alan Boyce
Alan Lane
Alan Snyder
Alan Zafran
Alex Batlin
Alex Knaster
Andrew Irvine
André Perold
Aniket Ullal
Atul Varma
Baijnath Ramraika
Bill Barhydt
Bill Erbey
Bill Gunderson
Brian Higgins
Brian Reynolds
Bruce Munster
Bruce Pon
Burt Malkiel
Chris Vogelzang
Chris Whalen
Christina Boyd
Cormac Leech
Damien Buchet
David Andolfatto
David Enrich
David Hou
David Zornitsky
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
George Hicks
Gerald Jensen
Harold Trischman
Helen Thomas
Irene Finel-Honigman
James Elbaor
Jan Brzeski
Jay Soloff
Jeffrey Christian
Jim Bantis
Joe Karas
John Heins
John Jannarone
John Turner
Jonathan Sandelman
Josh Holt
Jurgen Muhlhauser
Kate Kelly
Kay Van-Petersen
Keith Mullin
Kelly King
Ken Monahan
Kent Kirby
Kevin Warsh
Khalid Quadir
Kiril Sokoloff
Lance Roberts
Laura Shin
Leo Kolivakis
Lionel Paquin
Lone Fønss Schrøder
Maitha Al Shamsi
Manmohan Singh
Marco Krohn
Mark Grant
Mark Valek
Martin Friedman
Mary Mullin
Matein Khalid
Matt Sirovich
Michael Boyd
Michael Pettis
Mike Corbat
Mike Heroux
Mike Larson
Moorad Choudhry
Moriah Costa
Nancy Zambell
Neels Heyneke
Nick Hudson
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
Raj Vig
Randy Conner
Ray Merriman
Reza Zafari
Richard Duncan
Richard Jones
Richard Koo
Richard Sylla
Richard Vague
Rida Morwa
Robert Lovett
Robert Sharratt
Roberto Sallouti
Roger Wacker
Russell Jones
Russell Lamberti
Ryan Dinse
Satyajit Das
Scott Sonenshein
Seth Bernstein
Shane Oliver
Shannon McConaghy
Sheila Bair
Simon Bowmaker
Simon Potter
Simon Ree
Stephan Livera
Stephanie Pierce
Stephen Antczak
Steven Bavaria
Steven Goldstein
Steven Maijoor
Ted Siedle
Ted Truscott
Thomas Gottstein
Thomas Herold
Thomas Hugger
Todd Gibbons
Tom Gahan
Tom Steyer
Victor Shih
Wai-Kwong Seck
Warren Mosler

Positions

1%
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

Adair Turner

Adam Carlin

Alan Boyce

Alan Lane

Alan Snyder

Alan Zafran

Alex Batlin

Alex Knaster

Andrew Irvine

André Perold

Aniket Ullal

Atul Varma

Baijnath Ramraika

Bill Barhydt

Bill Erbey

Bill Gunderson

Brian Higgins

Brian Reynolds

Bruce Munster

Bruce Pon

Burt Malkiel

Chris Vogelzang

Chris Whalen

Christina Boyd

Cormac Leech

Damien Buchet

David Andolfatto

David Enrich

David Hou

David Zornitsky

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

George Hicks

Gerald Jensen

Harold Trischman

Helen Thomas

Irene Finel-Honigman

James Elbaor

Jan Brzeski

Jay Soloff

Jeffrey Christian

Jim Bantis

Joe Karas

John Heins

John Jannarone

John Turner

Jonathan Sandelman

Josh Holt

Jurgen Muhlhauser

Kate Kelly

Kay Van-Petersen

Keith Mullin

Kelly King

Ken Monahan

Kent Kirby

Kevin Warsh

Khalid Quadir

Kiril Sokoloff

Lance Roberts

Laura Shin

Leo Kolivakis

Lionel Paquin

Lone Fønss Schrøder

Maitha Al Shamsi

Manmohan Singh

Marco Krohn

Mark Grant

Mark Valek

Martin Friedman

Mary Mullin

Matein Khalid

Matt Sirovich

Michael Boyd

Michael Pettis

Mike Corbat

Mike Heroux

Mike Larson

Moorad Choudhry

Moriah Costa

Nancy Zambell

Neels Heyneke

Nick Hudson

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

Raj Vig

Randy Conner

Ray Merriman

Reza Zafari

Richard Duncan

Richard Jones

Richard Koo

Richard Sylla

Richard Vague

Rida Morwa

Robert Lovett

Robert Sharratt

Roberto Sallouti

Roger Wacker

Russell Jones

Russell Lamberti

Ryan Dinse

Satyajit Das

Scott Sonenshein

Seth Bernstein

Shane Oliver

Shannon McConaghy

Sheila Bair

Simon Bowmaker

Simon Potter

Simon Ree

Stephan Livera

Stephanie Pierce

Stephen Antczak

Steven Bavaria

Steven Goldstein

Steven Maijoor

Ted Siedle

Ted Truscott

Thomas Gottstein

Thomas Herold

Thomas Hugger

Todd Gibbons

Tom Gahan

Tom Steyer

Victor Shih

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)