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Chapter. 1. An Overview of Banks and their Services. In this chapter you will learn about the many roles banks play in the economy today and see how recent trends in banking, including increased competition, technological change consolidation into

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Chapter

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  1. Chapter 1 An Overview of Banks and their Services In this chapter you will learn about the many roles banks play in the economy today and see how recent trends in banking, including increased competition, technological change consolidation into larger firms, and globalization can affect a bank manager’s decision making.

  2. Traditional Services Offered By Banks • Exchange of Currency • Commercial Notes and Loans • Offering Savings Deposits • Safekeeping of Valuables • Supporting Government Activities with Credit • Checking Accounts • Trust Services

  3. Recent Services of Banks • Consumer Loans • Financial Advice • Cash Management • Equipment Leasing • Venture Capital Loans • Selling Insurance Products • Security Underwriting and Brokerage Services • Mutual Funds and Annuities • Merchant Banking Services

  4. The Roles of Commercial Banks • Intermediation Role • Payment Role • Guarantor Role • Risk Management Role • Savings/Investment Advisor Role • Safekeeping/Certification of Value Role • Agency Role • Policy Role

  5. Trends Affecting All Banks • Service Proliferation • Competition • Deregulation • Rising Funds Costs • Increased Interest Rate Sensitivity • Technology • Consolidation and Geographic Expansion • Increased Risk of Failure

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