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Industry Profile | Banking and Financial Services

Industry Profile | Banking and Financial Services. Saahil Goel MS-MIS Practicum. Primary Activities. Loans Money Transactions Customer Facilities – ATM/Credit Card/Debit Card Pension/Retirement Planning Banking Channels – Phone, Online, Retail, Mail. Types of Banks. Regional Banks

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Industry Profile | Banking and Financial Services

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  1. Industry Profile | Banking and Financial Services Saahil Goel MS-MIS Practicum

  2. Primary Activities • Loans • Money Transactions • Customer Facilities – ATM/Credit Card/Debit Card • Pension/Retirement Planning • Banking Channels – Phone, Online, Retail, Mail

  3. Types of Banks • Regional Banks • Operate on smaller level – in particular regions • National Banks • International Monetary Transactions • Investment Banks • Underwrite/Guarantee sale of stock

  4. Management Focus • Capital Adequacy and the Role of Capital • Asset & Liability Management • Interest Rate Risk • Liquidity • Profitability • Consolidation

  5. Size, Structure and Composition • Total assets of US banks in 2005 - $60.5 trillion • US banks – 10-15% of assets • US maximum banks – 7,450 & 75,000 branches • Japan – 129 banks & 12,000 branches • Germany, France & Italy – 30,000 branches each • UK – 15,000 branches in 2004

  6. Industry Leaders • Citigroup • JP Morgan Chase • Bank of America • HSBC • Mitsubishi UFJ Financial Group

  7. General Trends & Issues • Retail is going down • High competition with globalization and foreign investments • Consolidation - Horizontal and Verticle • Issues • Market volatility • Cash Liquidity (at least 40-50%) • Bad Debts • Shortage of senior management

  8. Role of IT in Banking & FSI • Core Business • Electronic Accounts • Customer Data • Online trading • Information Protection & Audit • SOX • System and data protection • Planning, Strategy and Future Growth • GIS – Deposit Potential • Prediction of future earnings & other trends

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