The document discusses risk and banking services. It defines risk as the chance an investment's return will differ from expected, including the possibility of losing some or all of the original investment. It then describes several types of risk like credit risk, regulatory risk, and interest rate risk. It also defines banking services like individual banking, institutional banking, and global banking. Individual banking includes loans and financing. Institutional banking involves lending to corporations and accepting deposits from institutions. Global banking refers to investment banking with international markets.

1. Maddy.Kaleem

2. SHAHEED BENAZIR BHUTTO UNIVERSITY
SHAHEED BENAZIRABAD
Maddy.Kaleem

3. PRESENTATOR:
Manzoor Hussain Jamali
32 (BBA-13)
Topic: what is risk
Kaleem Sarwar Bhatti
23 (BBA-13)
Topic: Bank services
Maddy.Kaleem

4. What is risk
 The chance that an investment's actual return will be different than
expected. This includes the possibility of losing some or all of the original
investment.
Maddy.Kaleem

5. Some types of risk
 Credit risk
 Regulatory risk
 Interest rate risk
 inflection risk
 Market risk
 Business risk
Maddy.Kaleem

6. Credit risk
 The risk that a borrower will default on any type of debt by failing to make
required payments
 In banking, credit risk is a major factor in determination of interest rate on
a loan
Maddy.Kaleem

7. Regulatory risk
 It is the type of risk. It accurse when the government change the rules and
regulation of the business.
 The risk that a change in laws and regulations
Maddy.Kaleem

8. Interest rate risk
 This risk arise from change accrues in the interest rate on loan borrowing and
providing.
Maddy.Kaleem

9. Inflection risk
 Inflation risk, also called purchasing power risk.
 The value of money become decrease in future due to inflection.
Maddy.Kaleem

10. Market risk
 Market risk, also called "systematic risk,"
 The value of investments may decline over a given time period simply
because of economic changes or other events that impact large portions of
the market.
Maddy.Kaleem

11. business risk
 The term business risk refers to the possibility of short profits or even losses
due to uncertainties e.g., changes in tastes, preferences of consumers,
strikes, increased competition, change in government policy, obsolescence
etc.
Maddy.Kaleem

12. Bank services
 The bank services are:
 1. individual banking
 2. institutional banking
 3.global banking
Maddy.Kaleem

13. Individual banking
 Individual banking includes loans ( short term and long term), credit card
financing, home financing, car financing, boat financing, student loans.
 At International Personal Banking, we are committed to giving you superior
service and value by providing you with financial solutions designed to meet
your individual needs.
Maddy.Kaleem

14. institutional banking
 The Institutional Banking (IB) drives the Group's relationship with banks,
financial institutions, securities houses, insurance companies, and other non-
bank finance companies, private equity.
 Institutional banking includes loans to nonfinancial, financial corporations,
and governmental entities.
 It also accept deposit from these institutes.
 It also involve in leasing activities.
Maddy.Kaleem

15. Global banking
 An investment bank is a financial establishment that helps businesses increase
capital
 bank with worldwide business bank that is active in the international markets
and has a presence in several continents
 Here comes investment banking which involve in corporate financing, capital
market and foreign exchange products.
Maddy.Kaleem

16. REFRENCES:
 Wikipedia
 Investopedia.com
 Slides
 Slideshare.com
 Linkedin.com
 http://www.hsbc.co.in/corporate/institutional-banking
Maddy.Kaleem

17. Business risk
 The term business risk refers to the possibility of short profits or even losses
due to uncertainties e.g., changes in tastes, preferences of consumers,
strikes, increased competition, change in government policy, oldness etc.
Maddy.Kaleem