Banking in old times was not the tightly monitored and tightly regulated business that it is today. Instead, earlier banking...
Read moreThe United States is economically the most powerful nation in the world today. This is what makes the study of...
Read moreThe modern banking system is two tiered. This means that at the bottom there are commercial banks i.e. the banks...
Read moreThe two tiered system puts the central bank in control of the commercial banks. Therefore, the government authorities have delegated...
Read moreReserve requirements are one of the most important features of modern central banking. We hear about reserve requirements almost every...
Read moreBanks have to lend money in accordance with the amount of reserves that they have on hand. However, there is...
Read moreCommercial banking has traditionally been the backbone of banking. Banking was created to funnel idle resources in households to productive...
Read moreIt may seem like the banking business is about money. However, the banking business is really all about information. Until...
Read moreTechnology has touched every aspect of our lives in the recent years and banking has been no exception. Huge strides...
Read moreIn the past couple of decades, banks have started providing a new type of product called the credit card. The...
Read moreBanks earn their income in two parts. One type of income is generated by undertaking risk i.e. by lending their...
Read moreCredit cards have become an increasingly important part of every consumer’s finances. Banks now have more credit card customers than...
Read moreIt is often said that profit is a reward for risk bearing. Nowhere is this truer than in the case...
Read moreDeposits can be divided into two types. The first type is time deposits in which an account holder gives the...
Read moreIn the previous article we studied that there are two types of deposits that banks use to fund their lending...
Read moreThe modern banking system is considerably different from what the average person believes it to be. Banks are not institutional...
Read moreBanks in the modern world face an inherent risk of insolvency. Since the banks are so highly leveraged, there could...
Read moreBanking is perhaps the most regulated industry on the planet. The movement of funds in and out of the banking...
Read moreConcept of Internet Only Banks With the advent of internet banking, a large part of the services that are offered...
Read moreThe financial world has not witnessed much innovation since the 2008 meltdown. This is because any innovation in this sector...
Read moreThe British banking regulator FSA has prosecuted Barclays for rigging the interest rates in the market. The regulator termed it...
Read moreOur monetary system has undergone a sea of change in the past century. If our great grandfathers were to see...
Read moreGovernments across the world have stepped up their fight against cash. Cash is being increasingly viewed as a curse that...
Read moreCashless society is the latest buzzword in global finance. At the present moment, only 15% to 20% of the world’s...
Read moreGovernments all over the world are fighting a war on cash. It is a known fact that the governments do...
Read moreThe Indian banking system is reeling under a glut of Non Performing Assets (NPA’s). The unpaid debts of Indian corporations...
Read moreWhat is a Lockbox ? Lockbox is an additional service provided by banks in the United States. This service allows...
Read moreModern banks are huge entities employing thousands of people in their workforce. However, amongst the various departments present at banks,...
Read moreBuying Assets on Installments A hire purchase agreement is a particular type of agreement between a buyer and seller. The...
Read morePredatory Lending, also colloquially known as loan sharking is a bad business model. This business has always been run by...
Read moreThe Chinese government has a bad reputation when it comes to finances. Most countries including the developed ones like the...
Read moreIt’s hard to read a newspaper and not see any Fintech company being mentioned. The Fintech revolution has taken center...
Read moreHow Technology is a Game Changer for the BFSI Sector It would be an understatement to say that technology has...
Read moreIndian banking sector is divided into two. There are public sector banks, and then there are private sector banks. The...
Read moreThe Indian banking sector is facing a crisis on an unprecedented scale. The problem becomes peculiar when more facts are...
Read moreFinance is like Oil to the Engine of the Indian Economy As finance is the grease and the oil that...
Read moreHow Dire is the Bad Debts Problem in Indian Banks In recent months, the news reports about India’s bad debts...
Read morePredicting future interest rate movements is not only important for traders who invest in financial markets. Instead, it is also...
Read moreThe European banking system has been in a bit of a crisis in the last few years. Major European banks...
Read moreIn 1971, Richard Nixon single-handedly took the world off the gold standard. Ever since, many commentators have been of the...
Read moreThe Lure of Investment Banking and Why is it so for Management Practitioners All aspiring management students as well as...
Read moreThe Indian banking sector has seen a sudden increase in the number of bad loans. Several of these bad loans...
Read moreLast month Donald Trump fueled a debate when he called the Fed “crazy.” Political accusations started flying all across the...
Read moreThe ICICI bank is the largest private sector bank in India. It was also famous for being one of the...
Read moreBB&T and Sun Trust bank are both giant institutions in their own right. However, now since they have decided to...
Read moreDeutsche Bank which, which was once a dominant German financial institution has now become extremely fragile. This German bank managed...
Read moreThe global financial system is not perfect by any means. However, most of the imperfections seem to be minor. As...
Read moreVeteran American Senator Bernie Sanders, as well as Alexandria Ocasio-Cortez, who has now become the voice of the Democrats, are...
Read moreWells Fargo is one of the largest banks in the United States. However, of late, it has also become one...
Read moreWhat is FinTech and how is it a Game Changer for BFSI firms? Anybody with a passing curiosity about the...
Read moreIn the second week of March 2023, the Silicon Valley Bank, which is headquartered in Santa Clara California collapsed in...
Read moreThe Silicon Valley Bank collapse has the potential to be a turning point in the way the modern financial system...
Read moreBank failures are complex events that are the result of many underlying factors. When the history of any bank failure...
Read moreThe entire world is still trying to grapple with the failure of the Silicon Valley Bank. The impact has been...
Read moreThe fall of the Silicon Valley Bank happened very suddenly. The bank had gone from a healthy functioning bank to...
Read moreThe Silicon Valley Bank ceased to exist when it was declared bankrupt after a bank run. At this point in...
Read moreBank runs have been part of the banking industry for a long time. This is an unintended consequence of the...
Read moreThe current crisis at the Silicon Valley Bank is a stark reminder of the dark days of 2008. Just like...
Read moreThe Silicon Valley Bank crisis has prompted the Federal Reserve to evaluate its emergency funding program. The original emergency funding...
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