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Commercial and Investment Banks
 
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Commercial and Investment Banks. What is the difference between Commercial and Investment Banks? This video covers all Instagram: @econplusdal Twitter: https://twitter.com/econplusdal Facebook: https://www.facebook.com/EconplusDal-1651992015061685/?ref=aymt_homepage_panel
Views: 16409 EconplusDal
2. Investment Banks vs Commercial Banks (Retail)
 
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In this video, we discuss the top differences between an Investment Bank vs Commercial Bank (Retail Bank). Key topics taken in this video are - Role of an Investment Bank? - What is a Commercial Bank - Investment Banking vs Commercial Banking. Investment Banks vs Retail Banks (Commercial) Investment Banks are financial brokers who assist the investors with financial transactions like Sales and Trading of Stocks, Mergers, and Acquisitions, Raising funds through IPO, Private Placements. They also underwrite and do market making activities. Commercial Banks are retail banks who collect deposits from the public and provide interest on their savings deposit. They loan this money to others at a higher interest rate, thereby earning a margin. For more detail, please refer to https://www.wallstreetmojo.com/investment-banking-vs-commercial-banking/
Views: 2230 WallStreetMojo
Investment Bank vs. Commercial Bank. What is the difference?
 
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http://www.katsonga.com/girlbanker Get, To Become An Investment Banker (The Book) USA: http://amzn.to/2bb5OFH UK: http://amzn.to/2aIoQAx @GirlBanker: https://twitter.com/#!/GirlBanker This could easily be asked as an interview question. To help you understand investment banking, it's best to differentiate it from the type of banking that you have experience with: commercial or retail banking -- the banks that you see on the street. The bank where you maintain your current (UK), checking (USA) or savings account is a commercial or retail bank. Some investment banks have a commercial banking unit, others do not. http://www.katsonga.com/girlbanker Get, To Become An Investment Banker (The Book) USA: http://amzn.to/2bb5OFH UK: http://amzn.to/2aIoQAx @GirlBanker: https://twitter.com/#!/GirlBanker
Views: 13381 GirlBanker
Consumer Banks vs. Investment Banks vs. Merchant Banks
 
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This video gives definitions and explains functions of Consumer Banks, Investment Banks and Merchant Banks! It also gives an example of how all three banks are interconnected. Have fun watching! Cheers.
Views: 123076 Cathi Listmann
What is commercial and investment bank and it's difference?
 
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commercial and investment bank and it's difference
Views: 95 PANKAJ SUTAR
What's the difference between investment banking and private equity?
 
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Sherjan Husainie, of Leaders Global Network, offers career workshops in ten major cities around the world. He has worked in both investment banking at Morgan Stanley and in private equity at Google Capital. For more info, visit http://www.leadersgn.com/
Views: 197730 Career Insider Business
Retail Banking Vs Investment Banking
 
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My Website: www.VipinMKS.com My Facebook Page: https://www.facebook.com/vipinmks All videos on my channel are for non profit purposes.
Views: 13778 Professor Vipin
Merchant Banking vs Investment Banking - Investment Banking by eduCBA
 
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For full text article go to : https://www.educba.com/merchant-banking-vs-investment-banking/ Learn the differences between Merchant Banking vs Investment Banking, its roles and responsibilities and how each one is related to the capital markets in domestic and global arena.
Views: 5465 eduCBA
What's the difference between front, middle and back office in an investment bank?
 
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http://www.katsonga.com/girlbanker Get, To Become An Investment Banker (The Book) USA: http://amzn.to/2bb5OFH UK: http://amzn.to/2aIoQAx @GirlBanker: https://twitter.com/#!/GirlBanker Front office workers in an investment bank bring in the revenues. As a result, they receive the largest bonuses. Middle office directly support the front office. Back office are the crucial processing engine.
Views: 26436 GirlBanker
What is INVESTMENT BANK? What does INVESTMENT BANK mean? INVESTMENT BANK meaning
 
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What is INVESTMENT BANK? What does INVESTMENT BANK mean? INVESTMENT BANK meaning. An investment bank is a financial institution that assists individuals, corporations, and governments in raising financial capital by underwriting or acting as the client's agent in the issuance of securities. An investment bank may also assist companies involved in mergers and acquisitions (M&A) and provide ancillary services such as market making, trading of derivatives and equity securities, and FICC services (fixed income instruments, currencies, and commodities). Unlike commercial banks and retail banks, investment banks do not take deposits. From the passage of Glass–Steagall Act in 1933 until its repeal in 1999 by the Gramm–Leach–Bliley Act, the United States maintained a separation between investment banking and commercial banks. Other industrialized countries, including G7 countries, have historically not maintained such a separation. As part of the Dodd–Frank Wall Street Reform and Consumer Protection Act of 2010 (Dodd-Frank Act of 2010), the Volcker Rule asserts full institutional separation of investment banking services from commercial banking. The two main lines of business in investment banking are called the sell side and the buy side. The "sell side" involves trading securities for cash or for other securities (e.g. facilitating transactions, market-making), or the promotion of securities (e.g. underwriting, research, etc.). The "buy side" involves the provision of advice to institutions that buy investment services. Private equity funds, mutual funds, life insurance companies, unit trusts, and hedge funds are the most common types of buy-side entities. An investment bank can also be split into private and public functions with a Chinese wall separating the two to prevent information from crossing. The private areas of the bank deal with private insider information that may not be publicly disclosed, while the public areas, such as stock analysis, deal with public information. An advisor who provides investment banking services in the United States must be a licensed broker-dealer and subject to U.S. Securities and Exchange Commission (SEC) and Financial Industry Regulatory Authority (FINRA) regulation.
Views: 6369 The Audiopedia
Investment Banking Areas Explained: Capital Markets
 
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Capital markets are one of the most fascinating areas of investment banking. Companies need these services when they are about to go public or want to issue debt sold to the public. When a company wants to raise equity, we talk about ECM, standing for Equity Capital Markets, and when it wants to raise debt, we talk about DCM, standing for Debt Capital Markets. On Facebook: https://www.facebook.com/365careers/ On the web: http://www.365careers.com/ On Twitter: https://twitter.com/365careers Subscribe to our channel: https://www.youtube.com/365careers
Views: 95907 365 Careers
What does an investment bank really do?
 
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Investment Bank(IB) is a financial intermediary that performs a variety of services. Investment Banks are mostly associated with very high paying jobs with total compensation inclusive of bonuses reaching millions in many cases. Though investment banking is a highly sought after career choice due to the fact that bankers can earn fat salaries in their young age itself, still there is a lot of confusion surrounding what does an investment bank actually do. They perform a variety of financial services and the major 5 are discussed in the video. They are: 1) Mergers & Acquisitions 2) IPO Deals 3) Proprietary Trading 4) Prime Brokerage 5) Private Wealth Management Do like the video and subscribe for much such videos!
Views: 33125 FinHead
Central Banks and Commercial Banks Compared in One Minute
 
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You don't have to memorize the textbook definition of the term "central bank" or the textbook definition of the term "commercial bank" to understand what they are, the best approach (in my opinion) is comparing them to one another. By understanding the similarities as well as differences between central banks and commercial banks, you'll learn a thing or two about how the financial system works. If you want to find out what a central bank is, what a commercial bank is and what the similarities as well as differences between central banks and commercial banks are, watch this video. Please like, comment and subscribe if you've enjoyed it. To support the channel, give me a minute (see what I did there?) of your time by visiting OneMinuteEconomics.com and reading my message. Bitcoin donations can be sent to 1AFYgM8Cmiiu5HjcXaP5aS1fEBJ5n3VDck and PayPal donations to [email protected], any and all support is greatly appreciated! Oh and I've also started playing around with Patreon, my link is: https://www.patreon.com/oneminuteeconomics Interested in reading a good book? My first book, Wealth Management 2.0 (through which I do my best to help people manage their wealth properly, whether we're talking about someone who has a huge amount of money at his disposal or someone who is still living paycheck to paycheck), can be bought using the links below: Amazon - https://www.amazon.com/Wealth-Management-2-0-Financial-Professionals-ebook/dp/B01I1WA2BK Barnes & Noble - http://www.barnesandnoble.com/w/wealth-management-20-andrei-polgar/1124435282?ean=2940153328942 iBooks (Apple) - https://itun.es/us/wYSveb.l Kobo - https://store.kobobooks.com/en-us/ebook/wealth-management-2-0 My second book, the Wall Street Journal and USA Today bestseller The Age of Anomaly (through which I help people prepare for financial calamities and become more financially resilient in general), can be bought using the links below. Amazon - https://www.amazon.com/Age-Anomaly-Spotting-Financial-Uncertainty-ebook/dp/B078SYL5YS Barnes & Noble - https://www.barnesandnoble.com/w/the-age-of-anomaly-andrei-polgar/1127084693?ean=2940155383970 iBooks (Apple) - https://itunes.apple.com/us/book/age-anomaly-spotting-financial-storms-in-sea-uncertainty/id1331704265 Kobo - https://www.kobo.com/ww/en/ebook/the-age-of-anomaly-spotting-financial-storms-in-a-sea-of-uncertainty Last but not least, if you'd like to follow me on social media, use one of the links below: https://www.facebook.com/oneminuteeconomics https://twitter.com/andreipolgar https://ro.linkedin.com/in/andrei-polgar-9a11a561
Views: 23045 One Minute Economics
Day in the Life of a Corporate Banker | J.P. Morgan
 
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SUBSCRIBE: http://jpm.com/x/i/NFPWfK0 Trish Devine, a managing director in Corporate Banking, help clients realize their objectives by leveraging different parts of the firm. About J.P. Morgan: J.P. Morgan is a leader in financial services, offering solutions to clients in more than 100 countries with one of the most comprehensive global product platforms available. We have been helping our clients to do business and manage their wealth for more than 200 years. Our business has been built upon our core principle of putting our clients' interests first. Connect with J.P. Morgan Online: Visit the J.P. Morgan Website: http://jpm.com/x/d/LPdzH4w Follow @jpmorgan on Twitter: http://jpm.com/x/i/NFPWLIB Visit our J.P. Morgan Facebook page: http://jpm.com/x/i/NFQoLBw Follow J.P. Morgan on LinkedIn: http://jpm.com/x/i/NFQoLGt #jpmorgan #jpmorgancareers Day in the Life of a Corporate Banker | J.P. Morgan
Views: 1098133 jpmorgan
Citi Corporate & Investment Banking - Work Life Balance
 
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Interested in learning more about working in Investment Banking at the world's most global bank? Hear from our employees as they share their stories and insights! View other Citi videos: http://www.youtube.com/citi Read our Blog: http://blog.citigroup.com Like us on Facebook: http://www.facebook.com/citi Follow us on Twitter: http://www.twitter.com/citi Follow us on LinkedIn: http://www.linkedin.com/company/citi Follow us on Instagram: http://www.instagram.com/citi Follow us on Google+: http://www.google.com/+citi
Views: 2213 Citi
Investment banking for non-finance students
 
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We spoke to Morgan Stanley bankers to find out why the bank needs graduates from a range of academic disciplines, how bankers here use skills acquired on arts and science degrees in their jobs, and how you can increase your finance knowledge and commercial awareness.
Views: 114871 The Gateway
14.  Investment Banking Conclusion
 
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In this video tutorial on investment banking overview conclusion, we sum of our discussion on the following - - What is Investment Banking? - Investment Banking vs Commercial Banking - Equity Research in an Investment Bank - What is Asset Management Company - Sales and Trading - Private Placements, IPOs and FPOs - Underwriters and Market Makers - Mergers and Acquisitions - Restructuring and Reorganization - Structure of an Investment Banking Hierarchy For more detail, please refer to https://www.wallstreetmojo.com/what-is-investment-banking/
Views: 292 WallStreetMojo
UNDERSTANDING THE ROLE OF A CORPORATE AND INVESTMENT BANK
 
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Taking a concrete example of a company with a project to build a new generation of wind turbines, this educational video explains the services provided by a corporate and investment bank which enable the project to see the day. The four main services offered include providing strategic advice, organising the financing, helping the client manage financial risk and offering appropriate investment solutions. In this way, Societe Generale plays a role in financing the economy.
Views: 5516 Société Générale
Introduction to Investment Banking
 
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Introduction to Investment Banking is a compilation of videos that are part of our Complete Investment Banking Course on Udemy: https://www.udemy.com/the-complete-investment-banking-course-2016/?couponCode=YOUTUBE The #1 Course to Land a Job in Investment Banking. IPOs, Bonds, M&A, Trading, LBOs, Valuation: Everything is included!
Views: 45785 365 Careers
11 Difference Between Merchant Banking And Investment Banking
 
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1. Traditional merchant banks often expand into the field of securities underwriting, while many investment banks participate in trade financing activities.  2. Investment banks facilitate mergers and acquisitions through share sales and provide research and financial consulting to companies. 3. Based on: MERCHANT BANK:Fee based INVESTMENT BANK:Fee based and fund based 4. Example: Investment Banking: J.P. Morgan & Co. Bank of America Merrill Lynch Goldman Sachs Merchant Banking: J. S. Morgan & Co. Brown Brothers Harriman & Co. Samuel Montagu & Co. 5. Investment Bank is a financial institution that helps to government, corporate, HNI (High Net Worth) individual in raising capital. The merchant bank is a private financial institution that deals with international financial activities such as foreign corporate investment, foreign real estate investment and trade finance. 6. Investment banks focus on initial public offerings (IPOs) and large public and private share offerings. Merchant banks tend to operate on small-scale companies and offer creative equity financing, bridge financing and a number of corporate credit products. 7. Trade financing MERCHANT BANK:Offered to the clients INVESTMENT BANK:Rarely provided 8. Deals with: MERCHANT BANK: Small companies INVESTMENT BANK: Large companies 9. Functions of Investment Bank: Public Offerings of Debt and Equity Securities Private Placements of Debt and Equity Securities Raising Capital & Security Underwriting Mergers and Acquisitions Financial Advisory / Sponsor Group Finance Structured Finance / Securitization 10. Functions of Merchant Bank: To facilitate a client transaction To purchase securities in an operating company for the firm’s own account Facilitating Letter of Credit. corporate Financing 11. Investment banks often facilitate mergers and acquisitions activities. Merchant banks are not involved in M & A.
Views: 997 Patel Vidhu
What are Commercial Banks?
 
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​This short revision video looks at the core functions of commercial banks in the UK. Commercial banks provide retail banking services to household and business customers They are licensed deposit-takers – providing a range of savings accounts for households and businesses They are licensed to lend money (and thereby “create” money e.g. in the form of loans, overdrafts and mortgages Commercial banks can also make profits from providing other services such as deposit security, currency trading, business advice, cheque and credit-card processing A commercial bank’s business model relies on receiving a higher interest rate on the loans (or other assets) than the rate it pays out on its deposits (or other liabilities) This “spread” on their assets and liabilities is used to pay the operating expenses of a bank and also to make a profit​ - - - - - - - - - MORE ABOUT TUTOR2U ECONOMICS: Visit tutor2u Economics for thousands of free study notes, videos, quizzes and more: https://www.tutor2u.net/economics A Level Economics Revision Flashcards: https://www.tutor2u.net/economics/store/selections/alevel-economics-revision-flashcards A Level Economics Example Top Grade Essays: https://www.tutor2u.net/economics/store/selections/exemplar-essays-for-a-level-economics
Views: 9624 tutor2u
What Is The Difference Between A Commercial Bank And An Investment Bank?
 
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They hold depositors' money in instruments such as savings accounts and an investment bank is typically a private company that provides various financial related other services to individuals, corporations, governments su key difference commercial banks cater the general public provide accepting deposits, providing loans basic this article on banking vs banking, we look at primary differences between functioning of 1 mar 2017 training will teach you. 16 jun 2015 a investment banking and commercial banking are two divisions of the banking industry that provide substantially different services. Googleusercontent search. What is the difference between investment bank and commercial vswhat what's an a retail bank? . Investment banks and commercial their differences. Difference between investment bank and commercial banking vs. Investment banks expedite the purchase and sales of bonds, stocks other investments aid companies in making initial public offerings (ipos) 28 jul 2015 discover how investment banking differs from commercial banking, what is difference between an a retail bank? . Commercial banking wsw wall street wannabe. Asp url? Q webcache. How to decide between investment banking and commercial. 18 sep 2008 after the great depression, congress required that commercial and investment banks be separate with the glass steagall act; That restriction don't mix investment banks with commercial banks. Again, that is commercial banking, not investment banking one major difference between and banks regards nature scope of their business operations. Difference between commercial banking and investment vs difference an bank a. Commercial bank is a that provides services like accepting deposits, lending money, payment on standing order and many more the banking sector split into two fundamental divisions investment knowing difference between commercial banks can if you're thinking about applying for graduate job or internship in sector, it's crucial you understand borrow lend money they hold their balance sheets. 29 dec 2015 investment bank refers to a financial institution, that offers services like underwriting of securities, brokerage services and so on. Difference between investment banks and commercial. What's the difference between investment banks and commercial investopedia whats. It is important to understand the differences 10 mar 2009 in other words, difference between how a typical investment bank and commercial operate can be simplified 23 dec 2015 are two distinct type of banks performing different set functions for people 25 jun 2012. 15 investment banking and commercial banking. Difference between investment banks and commercial what's the difference how does banking differ from bank (with vswhat's what is quora. We will also discuss merchant banks 30 apr 2013 there are that offer both types of investment banking and commercial services. The difference of $4 stays with the bank. According to weert (2010), investment should you pursue a career in commercial banking or banking? What's the difference between banks and banks? Amy bell several definitions of are use rence bid asked prices (unlike com there were differences compared.
Views: 64 Tedfri Teff
19. Investment Banks
 
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Financial Markets (2011) (ECON 252) Professor Shiller characterizes investment banking by contrasting it to consulting, commercial banking, and securities trading. Then, in order to see the essence of investment banking, he reviews some of the principles that John Whitehead, the former chairman of Goldman Sachs, has formulated. These principles are the basis for a discussion of the substantial power that investment bankers have, and their role in society. Government regulation of these powerful investment banks has been a thorny issue for many years, and especially so now since they played a significant role in world financial crisis of the 2000s. 00:00 - Chapter 1. Key Elements of Investment Banking 09:50 - Chapter 2. Principles and Culture of Investment Banking 16:54 - Chapter 3. Regulation of Investment Banking 27:21 - Chapter 4. Shadow Banking and the Repo Market 33:04 - Chapter 5. Founger: From ECON 252 to Wall Street 46:24 - Chapter 6. Fougner: Steps to Take Today to Work on Wall Street 53:49 - Chapter 7. Fougner: From Wall Street to Silicon Valley, Experiences at Facebook 57:56 - Chapter 8. Fougner: Question and Answer Session Complete course materials are available at the Yale Online website: online.yale.edu This course was recorded in Spring 2011.
Views: 303106 YaleCourses
Investment Banks vs. Commercial Banks | Where the Money Is - 3/5/14 | The Motley Fool
 
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Investing made simple: The Motley Fool's essential guide to investing is now available to the public, free of cost, at http://bit.ly/1atRpHZ. This resource was designed to cover everything that new investors need to know to get started today. For your free copy, just click the link above. ------------------------------------------------------------------------ How to tell the difference between an investment bank and commercial bank. Join Motley Fool analysts Matt Koppenheffer and David Hanson as they discuss the upcoming Moelis, rank Oscar winners, and finish off the day looking at three tweets. Visit us on the web at http://www.fool.com, home to the world's greatest investing community! ------------------------------------------------------------------------ Subscribe to The Motley Fool's YouTube Channel: http://www.youtube.com/TheMotleyFool Or, follow our Google+ page: https://plus.google.com/+MotleyFool/posts Inside The Motley Fool: Check out our Culture Blog! http://culture.fool.com Join our Facebook community: https://www.facebook.com/themotleyfool Follow The Motley Fool on Twitter: https://twitter.com/themotleyfool
Views: 4057 The Motley Fool
functions of investment banking
 
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functions of investment banking
Views: 3549 Rishank Kumar
8 Difference Between Jpmorgan And Morgan Stanley
 
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1. Following the Glass-Steagal act in 1935, banks could no longer operate in both sectors. JP Morgan chose to remain in the commercial banking world and two partner's, Harold Stanley and Henry Morgan founded the new investment bank Morgan Stanley. 2. JP Morgan's grandson, Henry Morgan, founded Morgan Stanley with Harold Stanley. 3. JPMorgan Chase & Co. is the parent holding company of Chase(Commerical Bank) and JPMorgan(Investment Bank). 4. JPMorgan is odd because the investment bank is one division within a larger commercial bank so the culture is somewhat more structured than Morgan-Stanley. 5.  The Morgan Stanley Bank works mostly with corporations, governments, and high-net-worth individuals. On the investment side, it specializes in technology as it works with Google Inc., Compaq, and Cisco Systems. 6. JP Morgan Chase is now the largest bank in the United States and the world’s sixth largest public company. 7. JP Morgan focuses on commercial banking and Morgan Stanley focuses on investment banking, stocks, etc. 8. Morgan Stanley is best suited for corporations and wealthy individuals.
Views: 6072 Patel Vidhu
The Differences Between Commercial and Residential Property Investment
 
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https://youtu.be/7OChjB4e2W8 The Differences Between Commercial and Residential Property Investment When you invest in residential property you are essentially dealing with people. When the rent is late, you have to deal with a person - the tenant. If you feel the property is not being looked after properly, you will have to deal with people who may have a different opinion from you. This video contents will discuss the importance of this and a few ideas to keep in mind Wealth Creation, Wealth creation NZ, Property Investment, Residential Property investment, Property Investment NZ, Property Investment whangaparaoa, Property Investment Rodney, Real Estate Whangaparaoa, House for sale Whangaparaoa, Houses for sale Rodney, Retirement Planning, Financial Planning, Property Management Whangaparaoa, How to create Wealth, How to Plan for Retirement, Wealth Creation Residential Property, Retire Rich, Retire rich through Property investment. so keep watching and subscribes our channel the differences between commercial banks and credit unions include,the differences between commercial banks and investment banks, the differences between commercial banks and central banks,the difference between commercial and subsistence farming,the difference between commercial and residential, the difference between commercial banks and credit unions,the difference between commercial and industrial,the difference between commercial and advertisement, the difference between commercial and residential real estate,the difference between commercial bank and national bank,the differences between commercial and central banks, the difference between commercial and literary fiction,the difference between commercial and noncommercial,the difference between commercial and investment banks https://youtu.be/7OChjB4e2W8
All About the Commercial Loan Process - Real Estate Investment Tips
 
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For an experienced SF Bay Area real estate agent visit http://iLiveInTheBayArea.com Like me on Facebook: http://fb.com/iLiveInTheBayArea Thumbs up, favorite, share, subscribe and make a comment! Most people who are ready to invest in commercial real estate are usually somewhat familiar with the home loan process. That's commonly because they might have bought a home or two in the last few years and they remember the mounds of paperwork that go with it. Although there are a select few similarities, getting a loan for a commercial property is a bit different. When you get a commercial loan for investment you have to qualify has a borrower, just like a home loan. However, there is one huge key difference. A residential appraiser values the property primarily based on other sold comparables. The primary key difference is that even though comparables are considered with a commercial appraisal, a commercial property is valued primarily off of the income it produces. This income property makes $150k NOI. We know that based on a cap rate formula we will make 7.5% on our money with no loan on the property. However, we plan on having a loan...the question is will the PROPERTY qualify? We check the rates and find out we can get a loan for 70% of the value at 7% interest, amortized over 25 years. We'll have an annual debt service of just about $119k. This brings our cash flow to just a bit over $31k/year giving us a 5.21% cash on cash return rate. The key difference you must be aware of is the Debt Coverage Ratio, or DCR. The DCR is basically a calculation of how much of your yearly mortgage payment is covered. Here's the thing about investments...they don't always work out perfectly, and banks know this. So for the bank to protect itself, it might set a HIGHER DCR for you to achieve. This way, if something happens and your income property isn't making as much money as you thought, the bank is still covered. We have an income of $150k before deducting about $119k/year for mortgage. We now have a DCR of 1.26, which is unacceptable to the bank. Instead, they want at least a 1.35. Now there's a few ways to go about this. First, we can put more money down. With another 5% down we can surpass the banks requirements and attain a 1.36 DCR. Also we could pay less for the property. The last two options would be to either get a lower interest rate, or a longer amortization schedule. The DCR is definitely the key difference between a commercial investment loan and a home loan. However, there is still one other major difference, and that is the loan term. Commercial loans terms can vary. Because commercial properties are usually much higher in value than a home loan, the bank doesn't want to set an interest rate for 30 years. They have a much shorter time frame -- anywhere from 3 to 10 years. Now, they might AMORTIZE the loan over 25 or 30 years, but the rate they give you is NOT SET for that long. You usually get a lower rate for a 3 year "lock in" rate, meaning for the first 3 years they cannot change the interest rate. Then you pay a little more for 5 years, 7 years, and if available 10 years. This again is when you really need to sit down and figure out what your future investment plans for the property are. So what happens after this 3 or 5 or 7 year time frame? One of two things. The first one is that after your "lock in" time frame, the interest rate on the loan begins to "float". What that means is that the rate can go up or down depending on the market. The second thing that can happen is that after your "lock in" time frame you will have a balloon payment. A balloon payment is a large lump sum of the remaining balance you owe that you have to pay the bank. Lastly, there's one key additional factor that comes into play when you are attempting to get a commercial loan, and that is the tenant leases. If you have four different tenants in a retail strip center, but they are all small mom & pop shops on a one or two year lease, lenders may be a bit hesitant. Compare that scenario to having four different, multinational tenants such as a Baskin Robbins or Sprint store on a 7 or 10 year lease, and banks would feel MUCH more comfortable with the latter. When you are finally ready to start the commercial loan process, be sure to check with your lender or bank and see what is the common DCR range for the type of property you are thinking about buying. Also, be prepared for the TYPE of loan they offer you -- be it one with a balloon payment or one with a floating interest rate. Again, being prepared from the start is the best way for you to ensure make the most of your investment ...now that's good to know. Contact Davide Pio Today | SF Bay Area Real Estate http://iLiveInTheBayArea.com | 510-815-2000
What Is The Difference Between Retail Banking And Commercial Banking?
 
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The term was originally used in the u. Retail banks are those 22 dec 2016 retail banking and corporate make up for the two very essential components of field finance. Commercial bank can also refer to a or division of that mostly deals with difference between corporate and commercial bankingmost major banks offer both banking services the retail is serves individuals entities are not corporates whereas 1 an agent & broker in investment banking; 2 mutual different types retail, corporate, private have 25 jan 2010 i opportunity interview above programs, need decide which want focus on. The banking industry is divided into two major components known as retail and 2 jun 2017 banks are no longer places where people would go deposit or withdraw their money that be the end of story. Both of these banks cater to different clientele and 26 jul 2016 for instance, what makes a credit union from bank? Or retail bank commercial one? Can knowing differences sep 2017 the banking sector has played major role in modern economy since its introduction during revolution 17th century, i'm having america corporate assessment center this differentiate between two much anymore or will have 24 2013 when reading up on banking, terms 'corporate' 'commercial' are thrown around often it can be hard know which is. What is the difference between them 16 julthe banking sector divided into two broad categories investment and retail commercial. Difference between corporate & commercial banking difference investment and what's the banking? . Lets kick off by looking at some differences and similarities between the two in commercial banking where a single corporate customer can cost $500 million 2 may 2013 retail vs. Difference between corporate and commercial banking. A commercial bank is a type of financial institution that provides services such as accepting 12 sep 2017 retail banking refers to the division deals directly with customers. Difference between retail banking and corporate what is the difference & commercial what's differences a bank an investment bbva wikipedia. To distinguish it from investment banking, after the glass steagall act of 1933 separated two what's difference between banks and commercial banks? . Your difference between corporate, retail, investment banking, and about different types of banking boa global commercial vs corporate anal wall what is the retail what's a bank, credit union brokerage? . Banks irrespective america is home to over 6000 commercial banks, according statistics from the federal reserve bank of stconsidering that a majority these split 22 aug 2014 there are many differences between retail banking and corporate banking, however, highlight few main points. Difference between the terms commercial banking, retail quoracorporate banking vs comparing challenges. Difference between the terms commercial banking, retail quora. While retail banking mainly deals 8 nov 2016 according to investorpedia, banks are devoted provide services particular savers and investors small medium sized banking, also known as consumer is the provision of by a bank term generally used distinguish these from investment commercial or wholesale.
Views: 397 Tedfri Teff
Santander Corporate Banking
 
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Britain and Brazil: Prospects for Growth
Views: 5587 thebusinesschanneltv
Investment vs Commercial Banks: What you need to know
 
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This gives a basic overview of the similarities and differences associated with commercial and investment banking. This is not designed to be legal or investment advice in any manner this is designed to be for entertainment purposes only.
Views: 63 Nicholas Lauxman
BRDG - Ian - Bachelor of Commerce (Hons & Masters) - Commercial Banking - Investment Banking
 
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Ian discusses the differences between Commercial and Investment Banking, the graduate program at a Commercial Bank and how to transition to an Investment Bank.
Views: 465 BRDG
Too big to tell "Separation of commercial banks and investment banks"
 
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Thierry Philipponat former Secretary General of Finance Watch Investment banker in Paris, London and New York for 25 years Co-founder of Finance Watch in 2011 Documentary, 94 min www.toobigtotell.eu director: Johanna Tschautscher
Views: 381 Johanna Höfler
What is Investment Banking in HINDI || Investment Banker ?| Highest Paying Jobs in India | World
 
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What is Investment Banking in HINDI || Investment Banker ?| Highest Paid Jobs in India | World. If you want to know about Investment Banking then this video is for you in this video we have explained what is Investment Banking and Why it is called the Highest Paid Career in India as well as in the World. So If you want to know how you can become Investment Banker then You Must see Part 2 of this Video where we have explained How you can become Investment Banker. Links to the Part 2 Video is here - https://www.youtube.com/watch?v=qAKODfJZV9M&t=3s Do Like and Share it as much as you can in all your Facebook and Whatssap Groups for other people help too. Dont Forget to Subscribe If you haven't yet. YOU MAY INTERESTED IN OUR MBA AND OTHER COURSES RELATED VIDEO PLAYLIST's IN HINDI:- ►Everything About MBA in India - https://goo.gl/wGD8NM ✔ ►Top College Rankings - https://goo.gl/LEFzun ✔ ►All about Investment Banking - https://goo.gl/Hk1rix ✔ ►Financial Certification in Hindi - https://goo.gl/sKPqod ✔ ►Internship and Apprenticeship Video in Hindi - https://goo.gl/RCBqBY ✔ ►MCA Course Detail Hindi - https://goo.gl/bxntn3 ✔ ►After 12th Best Courses for Science, Commerce and Arts - https://goo.gl/rVMcTR ✔ ►BCA Course Related Video in Hindi - https://goo.gl/wsCM2G ✔ ►BTech Course Related Video in Hindi - https://goo.gl/DqvfGF ✔ ►Fastest and Easiest Way to Learn English - https://www.youtube.com/watch?v=GF5OHAZcW0k ✔ ► How to Get Education LOAN in INDIA - https://www.youtube.com/watch?v=DoluUHBZ1zw ✔ ► MBA INDIA VS MBA ABROAD - WHICH IS BEST ? - https://www.youtube.com/watch?v=ufgd8pkvtjE ✔ ► Highest Paying Careers in India - https://www.youtube.com/watch?v=GF5OHAZcW0k ✔ WATCH OUR BEST VIDEOS RELATED TO INTERESTING FACTS & OPINIONS [HINDI] ►Padmavati controversy in 5 minutes :- https://www.youtube.com/watch?v=ar_orIiwQqU&t=2s ✔ ►North Korea vs USA Nuclear War :- https://www.youtube.com/watch?v=HrJkIqc3lB8&t=1s ✔ ►Kamlesh Viral Video Truth :- https://www.youtube.com/watch?v=J-t0u81Tpt0&t=2s ✔ ►Dangal Girl Zaira Wasim Issue :- https://www.youtube.com/watch?v=j9z7MHSKG14&t=28s ✔ ►Countries where Education is free for Indians - https://www.youtube.com/watch?v=qDNG6H5qRA0&t=2s ✔ BUY OUR RECORDING GEAR AT DISCOUNTED PRICES:- External Recording Blue Mic -http://amzn.to/2ynJOSn My Nikon Dslr d5600 - http://amzn.to/2ynN7sV My Collar Mic- http://amzn.to/2x3LAEf ABOUT US :- Praveen Dilliwala is a youth oriented Review Channel Where you will get Videos related to Education,Opinions, Jobs, Motivational, Interesting Facts and also I will share my experience about these things. Our Motto is to provide unbiased and right information so that you make informed decision. Follow us Facebook - https://www.facebook.com/PraveenDilliwala Twitter - https://twitter.com/praveendiliwala Instagram - https://www.instagram.com/praveendilliwala Subscribe Here- https://www.youtube.com/PraveenDilliwala
Views: 123968 Praveen Dilliwala
Investment vs. Commercial Banking
 
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Viewpoints Econ project
Views: 724 hergocin52
Banks and Financial Institutions
 
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This animation teaches the pros and cons of funds raised through commercial banks, financial institutions and special financial institutions. This is a product of Mexus Education Pvt. Ltd., an education innovations company based in Mumbai, India. http://www.mexuseducation.com, http://www.ikenstore.in
Views: 25186 Iken Edu
What do Salespeople and Traders do in an Investment Bank
 
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http://www.katsonga.com/girlbanker Get, To Become An Investment Banker (The Book) USA: http://amzn.to/2bb5OFH UK: http://amzn.to/2aIoQAx @GirlBanker: https://twitter.com/#!/GirlBanker The purpose of a capital markets division is to provide a range of financial products to investors and companies. The sales force specializes by product and will be the first point of contact for clients. Any buy or sell orders are passed on from sales to a trader, who executes and manages the risk associated with such a purchase or sale. Many traditionally advice-only investment banks have incorporated capital markets activities to their offering because they wanted to offer a fuller suite of products to their clients. The capital markets tend to be less hierarchical than corporate finance. Why? - Salespeople and traders are given individual revenue targets quite early in their career, possibly within 12 to 24 months of starting out. - It is possible for a junior to earn more money for the firm than someone senior to them so there is limited room for overbearing seniors -- one minute the guy or gal is your analyst, the next they're raking in more money than you. Some view capital markets as more meritocratic than corporate finance. Why? - The primary goal is to earn revenue by trading or selling. It's easy to measure revenue goals and hence reward performers accordingly. - Nonetheless, it's possible to land oneself on a team where the existing sales people or traders won't give you access to the good clients; they keep them for themselves and you have to wait until someone leaves before you can get profitable accounts. http://www.katsonga.com/girlbanker Get, To Become An Investment Banker (The Book) USA: http://amzn.to/2bb5OFH UK: http://amzn.to/2aIoQAx @GirlBanker: https://twitter.com/#!/GirlBanker
Views: 14588 GirlBanker
Seperate Investment Banks from Commerical- Save a Few Billion
 
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http://RichMakesYouRich.com: Selfish interest is why we need to split Investment Banks from Commercial
Views: 50 Rich MakesYouRich
Should Commercial Banks Have Investment Bank Powers? Financial Services Restructuring
 
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In the United States the term "commercial bank" was often used to distinguish it from an investment bank due to differences in bank regulation. After the Great Depression, through the Glass–Steagall Act, the U.S. Congress required that commercial banks only engage in banking activities, whereas investment banks were limited to capital market activities. This separation was mostly repealed in 1999 by the Gramm–Leach–Bliley Act but was restored by the Volcker Rule, implemented in January 2014 as part of the Dodd-Frank Act of 2010. Core products and services: Accepting money on various types of Deposit accounts Lending money in the form of Cash: by overdraft, instalment loan etc. Lending money in Documentary form: Letters of Credit, Guarantees, Performance bonds, securities, underwriting commitments and other forms of off-balance sheet exposure. Inter- Financial Institutions relationship Cash management Treasury management Private Equity financing Issuing Bank drafts and Bank cheques Processing payments via telegraphic transfer, EFTPOS, internet banking, or other Traditionally, large commercial banks also underwrite bonds, and make markets in currency, interest rates, and credit-related securities, but today large commercial banks usually have an investment bank arm that is involved in the aforementioned activities. https://en.wikipedia.org/wiki/Commercial_bank An investment bank is a financial institution that assists individuals, corporations, and governments in raising financial capital by underwriting or acting as the client's agent in the issuance of securities (or both). An investment bank may also assist companies involved in mergers and acquisitions (M&A) and provide ancillary services such as market making, trading of derivatives and equity securities, and FICC services (fixed income instruments, currencies, and commodities). Unlike commercial banks and retail banks, investment banks do not take deposits. From 1933 (Glass–Steagall Act) until 1999 (Gramm–Leach–Bliley Act), the United States maintained a separation between investment banking and commercial banks. Other industrialized countries, including G7 countries, have historically not maintained such a separation. As part of the Dodd–Frank Wall Street Reform and Consumer Protection Act of 2010 (Dodd-Frank Act of 2010), the Volcker Rule asserts full institutional separation of investment banking services from commercial banking. The two main lines of business in investment banking are called the sell side and the buy side. The "sell side" involves trading securities for cash or for other securities (e.g. facilitating transactions, market-making), or the promotion of securities (e.g. underwriting, research, etc.). The "buy side" involves the provision of advice to institutions concerned with buying investment services. Private equity funds, mutual funds, life insurance companies, unit trusts, and hedge funds are the most common types of buy side entities. An investment bank can also be split into private and public functions with an information barrier which separates the two to prevent information from crossing. The private areas of the bank deal with private insider information that may not be publicly disclosed, while the public areas such as stock analysis deal with public information. An advisor who provides investment banking services in the United States must be a licensed broker-dealer and subject to U.S. Securities and Exchange Commission (SEC) and Financial Industry Regulatory Authority (FINRA) regulation. https://en.wikipedia.org/wiki/Investment_banking
Views: 232 Way Back
A Day in The Life of Elon, an Associate in Investment Banking and Capital Markets
 
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Credit Suisse employee, Elon, shares insights into his work as an Investment Banking Associate in New York. Find out how Elon joined Credit Suisse and how his experience has been so far. For more information about current open positions and about working with us visit: https://www.credit-suisse.com/careers You can also follow us on: Facebook - https://www.facebook.com/creditsuissecareers LinkedIn - https://www.linkedin.com/company/credit-suisse
Views: 111519 Credit Suisse
How to become an Investment banker
 
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What are the different fields within banking and what is the difference between them? How can one get into investment banking and what are challenges that come with the job. Also on the show, what are the top questions that investment bankers ask you before hiring and what is that they don't want to hear. Watch full video: http://www.ndtv.com/video/player/heads-up/how-to-become-an-investment-banker/322317
Views: 105804 NDTV
Investment Banker and Strategy Consultant Apple Commercial - FuquaVision MBA Humor
 
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A short parody of the differences between consulting and investment banking, set to popular Apple Commercial theme. We apologize to our Apple overlords for this amateurish spoof of their work, and promise to still buy absolutely ANYthing they sell! For similar business school related videos, just search for "FuquaVision."
Views: 5888 reedkuhn
Difference between Retail & Corporate Banking(BBA,MBA) by B.K. Jain
 
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In this video Mr. B.K. Jain, Dean, MBA, Biyani Group of Colleges explains two types of banking with reference to customers is classified as retail and corporate banking.
Views: 15588 Guru Kpo
Commercial Loan vs Retail Loan - Investing In Real Estate
 
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I breakdown the difference between a commercial loan and retail loan when investing in rental property. I also talk about what type of loan you will have to use long term and what experienced investors use. Hi I’m Zeke Tanner, and I am a full time real estate investor and coach. I Help People Buy, Sell, and Invest in Real Estate All Over the United States. I also show you how to get your finances, business, and health right. I talk about financing options, mortgages, types of real estate deals, and any you want to know about. Got A Question? Ask Me: http://getmethebestagent.com/contact.html SUBSCRIBE: http://www.youtube.com/channel/UCOS93L4WBJzOa4wcc9rHPmQ?sub_confirmation=1 CONNECT TO AN AGENT IN YOUR AREA FOR FREE: http://getmethebestagent.com/ THERE’S MORE GOODNESS FOR YOU: Youtube: https://www.youtube.com/channel/UCOS93L4WBJzOa4wcc9rHPmQ/videos Facebook: https://www.facebook.com/ZekeTannerPage BLOG: http://getmethebestagent.com/blog/ LET’S CONNECT: http://getmethebestagent.com/contact.html
Views: 3025 Zeke Tanner
Dividend Discount Model - Commercial Bank Valuation (FIG)
 
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Why the Dividend Discount Model (DDM) is used to value commercial banks instead of the traditional Discounted Cash Flow (DCF) analysis. By http://breakingintowallstreet.com/ "Financial Modeling Training And Career Resources For Aspiring Investment Bankers" There are 3 main reasons why the DCF and the concept of Free Cash Flow (FCF) do not apply to commercial banks: 1. You can't separate operating vs. investing vs. financing activities - the lines are very blurry for a bank, since items like debt are more operationally-related and fund the bank's lending activities. 2. CapEx doesn't represent re-investment in the business, as it does for a normal company - for a bank,"re-investment" means hiring people, doing more lending, etc. 3. Working Capital represents something much different for a bank - the standard definition of Current Assets Excl. Cash Minus Current Liabilities Excl. Debt makes no sense, because for banks that includes tons of investments, securities, other borrowings, etc. so you could see massive swings... What You Do Instead - Use Dividends as a Proxy for Free Cash Flow Why? Because banks are CONSTRAINED by capital requirements - according to the Basel accords (I, II, III), they must maintain a certain "buffer" at all times to cover unexpected losses on their loans... So just like CapEx requirements, Net Income growth, and Working Capital constrain FCF for normal companies, the Tier 1 Capital / Tangible Common Equity / Total Capital requirements constrain dividends for banks. So we'll project a bank's regulatory capital, its asset growth, and its net income, and use those to project its dividends - then, discount, and sum up the dividends and discount and add the NPV of its terminal value. How to Set Up a Dividend Discount Model (DDM) 1. Make assumptions for Total Assets, Asset Growth, targeted Tier 1 (or other) Ratios, Risk-Weighted Assets, Return on Assets (ROA) or Return on Equity (ROE), and Cost of Equity. 2. Next, project Assets and Risk-Weighted Assets. 3. Then, project Net Income based on ROA or ROE. 4. Then, project Shareholders' Equity (AKA Tier 1 Capital) based on targeted capital ratio... 5. And BACK INTO dividends! Different from a normal company's DDM! Set dividends such that the minimum capital ratio is maintained, based on starting Shareholders' Equity and Net Income that year. 6. Flesh out the rest of the model - stats, growth rates, other metrics. 7. Discount and sum up dividends. 8. Calculate, discount, and add Terminal Value so that NPV = NPV of Terminal Value + NPV of All Dividends. 9. Calculate the Implied Share Price and compare to actual Share Price. Is the bank undervalued? Overvalued? What are the clues so far? What Next? Try it with a real company, using its historical financial information. Add more complex / realistic assumptions, based on industry research, channel checks, the bank's own strengths/weaknesses, etc. Add more advanced features - other ways to calculate Terminal Value, more accurate regulatory capital, mid-year discount and/or stub periods, stock issuances / repurchases, multiple growth stages, and so on.
Big Foe - SYNTK (Commercial Banking vs Investment Banking)
 
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Big Foe - Shit You Need To Know - SYNTK - a series of video blogs by rapper Big Foe breaking down some of the issues discussed on his new single "War Room" specifically - now available on Itunes - and the album "Who Killed The Master" more generally in order to give fans and critiques a better understanding of the intention behind Big Foe's vision as an artist. Episodes feature Big Foe speaking about important political, historical, and economic issues with the intention of opening the discussion to a wider audience.
Views: 115 bigfoenation
📈📉 Investment Loan vs Consumer Loan | What's the difference?
 
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Investment Loan vs Consumer Loan - what's the difference? Should you lend money for consumption(e.g. by buying bonds)? Learn Austrian Economics in a fun way! LINKS SUPPORT our project: http://bit.ly/22CSzOq Visit our website: http://econclips.com/ Like our Facebook page: http://bit.ly/1XoU4QV Subscribe to our YouTube channel: http://bit.ly/1PrEhxG ★★★★★★★★★★★★★★★★★★★★★★★★★★ Music on CC license: Kevin MacLeod: Home Base Groove – na licencji Creative Commons Attribution (https://creativecommons.org/licenses/...) Źródło: http://incompetech.com/music/royalty-... Wykonawca: http://incompetech.com/ ★★★★★★★★★★★★★★★★★★★★★★★★★★ Econ Clips is an economic blog. Our objetive is teaching economics through easy to watch animated films. We talk about variety of subjects such as economy, finance, money, investing, monetary systems, financial markets, financial institutions, cental banks and so on. With us You can learn how to acquire wealth and make good financial decisions. How to be better at managing your personal finance. How to avoid a Ponzi Scheme and other financial frauds or fall into a credit trap. If You want to know how the economy really works, how to understand and protect yourself from inflation or economic collapse - join us on econclips.com. Learn Austrian Economics in a fun way!
Views: 14905 EconClips
Retail Banking Vs Investment Banking
 
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-- Created using PowToon -- Free sign up at http://www.powtoon.com/ . Make your own animated videos and animated presentations for free. PowToon is a free tool that allows you to develop cool animated clips and animated presentations for your website, office meeting, sales pitch, nonprofit fundraiser, product launch, video resume, or anything else you could use an animated explainer video. PowToon's animation templates help you create animated presentations and animated explainer videos from scratch. Anyone can produce awesome animations quickly with PowToon, without the cost or hassle other professional animation services require.
Views: 1341 Dheepthi Samidurai
What is MERCHANT BANK? What does MERCHANT BANK mean? MERCHANT BANK meaning & explanation
 
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BROWSE The Internet EASY way with The Audiopedia owned Lightina Browser Android app! INSTALL NOW - https://play.google.com/store/apps/details?id=com.LightinaBrowser_8083351 What is MERCHANT BANK? What does MERCHANT BANK mean? MERCHANT BANK meaning & explanation. Source: Wikipedia.org article, adapted under https://creativecommons.org/licenses/by-sa/3.0/ license. A merchant bank is a financial institution providing capital to companies in the form of share ownership instead of loans. A merchant bank also provides advisory on corporate matters to the firms in which they invest. In the United Kingdom, the historical term "merchant bank" refers to an investment bank. Today, according to the U.S. Federal Deposit Insurance Corporation (FDIC), "the term merchant banking is generally understood to mean negotiated private equity investment by financial institutions in the unregistered securities of either privately or publicly held companies." Both commercial banks and investment banks may engage in merchant banking activities. Historically, merchant banks' original purpose was to facilitate and/or finance production and trade of commodities, hence the name "merchant". Few banks today restrict their activities to such a narrow scope. Merchant banks are in fact the original modern banks. These were invented in the Middle Ages by Italian grain merchants. As the Lombardy merchants and bankers grew in stature based on the strength of the Lombard plains cereal crops, many displaced Jews fleeing Spanish persecution were attracted to the trade. They brought with them ancient practices from the Middle and Far East silk routes. Originally intended for the finance of long trading journeys, these methods were applied to finance the production and trading of grain. In France during the 17th and 18th century, a merchant banker or marchand-banquier was not just considered a trader but also received the status of being an entrepreneur par excellence. Merchant banks in the United Kingdom came into existence in the early 19th century, the oldest being Barings Bank. The Jews could not hold land in Italy, so they entered the great trading piazzas and halls of Lombardy, alongside the local traders, and set up their benches to trade in crops. They had one great advantage over the locals. Christians were strictly forbidden the sin of usury, defined as lending at interest (Islam makes similar condemnations of usury). The Jewish newcomers, on the other hand, could lend to farmers against crops in the field, a high-risk loan at what would have been considered usurious rates by the Church; but the Jews were not subject to the Church's dictates. In this way they could secure the grain-sale rights against the eventual harvest. They then began to advance payment against the future delivery of grain shipped to distant ports. In both cases they made their profit from the present discount against the future price. This two-handed trade was time-consuming and soon there arose a class of merchants who were trading grain debt instead of grain. The Court Jew performed both financing (credit) and underwriting (insurance) functions. Financing took the form of a crop loan at the beginning of the growing season, which allowed a farmer to develop and manufacture (through seeding, growing, weeding, and harvesting) his annual crop. Underwriting in the form of a crop, or commodity, insurance guaranteed the delivery of the crop to its buyer, typically a merchant wholesaler. In addition, traders performed the merchant function by making arrangements to supply the buyer of the crop through alternative sources—grain stores or alternate markets, for instance—in the event of crop failure. He could also keep the farmer (or other commodity producer) in business during a drought or other crop failure, through the issuance of a crop (or commodity) insurance against the hazard of failure of his crop. Merchant banking progressed from financing trade on one's own behalf to settling trades for others and then to holding deposits for settlement of "billette" or notes written by the people who were still brokering the actual grain. And so the merchant's "benches" (bank is derived from the Italian for bench, banco, as in a counter) in the great grain markets became centers for holding money against a bill (billette, a note, a letter of formal exchange, later a bill of exchange and later still a cheque).
Views: 20241 The Audiopedia

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