Industry Profile |  Banking and Financial Services Saahil Goel MS-MIS Practicum
Primary Activities <ul><li>Loans </li></ul><ul><li>Money Transactions </li></ul><ul><li>Customer Facilities – ATM/Credit C...
Types of Banks <ul><li>Regional Banks </li></ul><ul><ul><li>Operate on smaller level – in particular regions </li></ul></u...
Management Focus <ul><li>Capital Adequacy and the Role of Capital </li></ul><ul><li>Asset & Liability Management </li></ul...
Size, Structure and Composition <ul><li>Total assets of US banks in 2005 - $60.5 trillion </li></ul><ul><li>US banks – 10-...
Industry Leaders <ul><li>Citigroup </li></ul><ul><li>JP Morgan Chase </li></ul><ul><li>Bank of America </li></ul><ul><li>H...
General Trends & Issues <ul><li>Retail is going down </li></ul><ul><li>High competition with globalization and foreign inv...
Role of IT in Banking & FSI <ul><li>Core Business </li></ul><ul><ul><li>Electronic Accounts </li></ul></ul><ul><ul><li>Cus...
 
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Saahil Goel Industry Profile

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Saahil Goel Industry Profile

  1. 1. Industry Profile | Banking and Financial Services Saahil Goel MS-MIS Practicum
  2. 2. Primary Activities <ul><li>Loans </li></ul><ul><li>Money Transactions </li></ul><ul><li>Customer Facilities – ATM/Credit Card/Debit Card </li></ul><ul><li>Pension/Retirement Planning </li></ul><ul><li>Banking Channels – Phone, Online, Retail, Mail </li></ul>
  3. 3. Types of Banks <ul><li>Regional Banks </li></ul><ul><ul><li>Operate on smaller level – in particular regions </li></ul></ul><ul><li>National Banks </li></ul><ul><ul><li>International Monetary Transactions </li></ul></ul><ul><li>Investment Banks </li></ul><ul><ul><li>Underwrite/Guarantee sale of stock </li></ul></ul>
  4. 4. Management Focus <ul><li>Capital Adequacy and the Role of Capital </li></ul><ul><li>Asset & Liability Management </li></ul><ul><li>Interest Rate Risk </li></ul><ul><li>Liquidity </li></ul><ul><li>Profitability </li></ul><ul><li>Consolidation </li></ul>
  5. 5. Size, Structure and Composition <ul><li>Total assets of US banks in 2005 - $60.5 trillion </li></ul><ul><li>US banks – 10-15% of assets </li></ul><ul><li>US maximum banks – 7,450 & 75,000 branches </li></ul><ul><li>Japan – 129 banks & 12,000 branches </li></ul><ul><li>Germany, France & Italy – 30,000 branches each </li></ul><ul><li>UK – 15,000 branches in 2004 </li></ul>
  6. 6. Industry Leaders <ul><li>Citigroup </li></ul><ul><li>JP Morgan Chase </li></ul><ul><li>Bank of America </li></ul><ul><li>HSBC </li></ul><ul><li>Mitsubishi UFJ Financial Group </li></ul>
  7. 7. General Trends & Issues <ul><li>Retail is going down </li></ul><ul><li>High competition with globalization and foreign investments </li></ul><ul><li>Consolidation - Horizontal and Verticle </li></ul><ul><li>Issues </li></ul><ul><ul><li>Market volatility </li></ul></ul><ul><ul><li>Cash Liquidity (at least 40-50%) </li></ul></ul><ul><ul><li>Bad Debts </li></ul></ul><ul><ul><li>Shortage of senior management </li></ul></ul>
  8. 8. Role of IT in Banking & FSI <ul><li>Core Business </li></ul><ul><ul><li>Electronic Accounts </li></ul></ul><ul><ul><li>Customer Data </li></ul></ul><ul><ul><li>Online trading </li></ul></ul><ul><li>Information Protection & Audit </li></ul><ul><ul><li>SOX </li></ul></ul><ul><ul><li>System and data protection </li></ul></ul><ul><li>Planning, Strategy and Future Growth </li></ul><ul><ul><li>GIS – Deposit Potential </li></ul></ul><ul><ul><li>Prediction of future earnings & other trends </li></ul></ul>

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