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Chapter One
An Overview of the Changing FinancialServices Sector

McGraw-Hill/Irwin

Copyright ? 2010 by The McGraw-Hill Companies, Inc. All rights reserved.

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Key Topics
? Powerful Forces Reshaping the Industry ? What Is a Bank? ? The Financial System and Competing Financial-Service Institutions ? Old and New Services Offered to the Public ? Key Trends Affecting All Financial-Service Firms

McGraw-Hill/Irwin Bank Management and Financial Services, 7/e

? 2008 The McGraw-Hill Companies, Inc., All Rights Reserved.

1-3

The Different Kinds of Financial Service Firms Calling Themselves Banks
? ? ? ? ? ? ? ? ? ? ? Commercial Banks Savings Banks Cooperative Banks Mortgage Banks Community Banks Money Center Banks Investment Banks Merchant Banks International Banks Wholesale Banks Retail Banks ? ? ? ? ? ? ? ? ? ? ? Limited Purpose Banks Bankers’ Banks Minority Banks National Banks State Banks Insured Banks Member Banks Affiliated Banks Virtual Banks Fringe Banks Universal Banks

McGraw-Hill/Irwin Bank Management and Financial Services, 7/e

? 2008 The McGraw-Hill Companies, Inc., All Rights Reserved.

1-4

The Financial Service Competitors of Banks
? ? ? ? ? ? ? ? ? ? Savings Associations Credit Unions Money Market Funds Mutual Funds (Investment Companies) Hedge Funds Security Brokers and Dealers Investment Banks Finance Companies Financial Holding Companies Life and Property-Casualty Insurance Companies

McGraw-Hill/Irwin Bank Management and Financial Services, 7/e

? 2008 The McGraw-Hill Companies, Inc., All Rights Reserved.

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Quick Quiz
? What is a bank? How does a bank differ from most other financial-service providers? ? Under current U.S. federal law what must a corporation do to qualify and be regulated as a commercial bank? ? What is happening to banking’s share of the financial marketplace and why?
McGraw-Hill/Irwin Bank Management and Financial Services, 7/e ? 2008 The McGraw-Hill Companies, Inc., All Rights Reserved.

1-6

Traditional Services Offered By Banks
? Carrying Out Currency Exchange ? Discounting Commercial Notes and Making Business Loans ? Offering Savings Deposits ? Safekeeping of Valuables ? Supporting Government Activities with Credit ? Offering Checking Accounts ? Offering Trust Services
McGraw-Hill/Irwin Bank Management and Financial Services, 7/e ? 2008 The McGraw-Hill Companies, Inc., All Rights Reserved.

1-7

More Recent Services Offered by Banks
? ? ? ? ? ? ? Granting Consumer Loans Providing Financial Advice Managing Cash Offering Equipment Leasing Making Venture Capital Loans Selling Insurance Policies Selling Retirement Plans

McGraw-Hill/Irwin Bank Management and Financial Services, 7/e

? 2008 The McGraw-Hill Companies, Inc., All Rights Reserved.

1-8

Offering Security Brokerage and Investment Banking Services
? ? ? ? Underwriting Securities Offering Mutual Funds and Annuities Offering Merchant Banking Services Offering Risk Management and Hedging Services

McGraw-Hill/Irwin Bank Management and Financial Services, 7/e

? 2008 The McGraw-Hill Companies, Inc., All Rights Reserved.

1-9

Trends Affecting Banks and Other Financial Service Firms Today
? ? ? ? ? ? ? ? ? Service Proliferation Rising Competition Government Deregulation Increased Interest Rate Sensitivity Technological Change and Automation Consolidation and Geographic Expansion E-Banking and E-Commerce Convergence Globalization
? 2008 The McGraw-Hill Companies, Inc., All Rights Reserved.

McGraw-Hill/Irwin Bank Management and Financial Services, 7/e

1-10

Quick Quiz
? Why do banks and other financial intermediaries exist in modern society, according to the theory of finance? ? How have banking and the financial services market changed in recent years? ? What powerful forces are shaping financial markets and institutions today? Which of these forces do you think will continue into the McGraw-Hill/Irwinfuture?
Bank Management and Financial Services, 7/e

? 2008 The McGraw-Hill Companies, Inc., All Rights Reserved.

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Web Links
? Federal Deposit Insurance Company www.fdic.gov ? Federal Financial Institutions Examination Council www.ffiec.gov ? Office of Thrift Supervision www.ots.treas.gov ? Credit Union National Association www.cuna.org ? Morningstar, Inc. http://www.morningstar.com ? Security and Exchange Commission www.sec.gov ? Careers in Finance www.careers-in-finance.com ? Bank Job Search www.bankjobsearch.com ? Bank Jobs www.bankjobs.com
McGraw-Hill/Irwin Bank Management and Financial Services, 7/e ? 2008 The McGraw-Hill Companies, Inc., All Rights Reserved.


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