Bi3 Les2

294 views

Published on

0 Comments
0 Likes
Statistics
Notes
  • Be the first to comment

  • Be the first to like this

No Downloads
Views
Total views
294
On SlideShare
0
From Embeds
0
Number of Embeds
1
Actions
Shares
0
Downloads
1
Comments
0
Likes
0
Embeds 0
No embeds

No notes for slide

Bi3 Les2

  1. 1. Bedrijfsinformatica 3lesson 2<br />
  2. 2. Banks<br />Financial institution<br />Licensed by a government<br />Primary activities:<br />Borrowing of money<br />Lending of money<br />Getting interest from borrowers<br />Paying interest to its depositers<br />Don’t forget fees and charges<br />
  3. 3. Typology of banks<br />Commercial bank<br />Co-operativebanks<br />Communitydevelopmentbanks<br />Postal savingbanks<br />Offshore banks<br />Retailbank<br />Savingsbank<br />Ethicalbank<br />Islamicbank<br />Building societies & Landesbank<br />Business bank<br />Privatebank<br />Investmentbank<br />Central bank<br />
  4. 4. Banks as large groups<br />
  5. 5. Structure of a bank<br />
  6. 6. Revenues, expenses and profits for the U.S. bankingindustry 2003<br />Total profit: $109.000.000.000,00<br />
  7. 7. Customers of banks<br />
  8. 8. Customers<br />Retail<br />Private clients that hold current accounts<br />Private clients that have credit cards<br />Private banking clients, i.e. clients with a large amount of capital<br />Banks<br />Other banks that borrow or lend money<br />Corporates<br />Companies that need a bank account<br />Companies that need loans<br />Companies that need other financial services<br />Own activities<br />Own investments in shares or real estate<br />
  9. 9. So, whatactivities?<br />Payment products<br />Current account<br />Cash<br />Cash withdrawel<br />Cash deposit<br />Cards<br />Debit cards (‘pay now’ cards), ex. Maestro<br />Credit cards (‘pay later’ cards), ex. Visa, MasterCard<br />Prepaid cards (‘pay before’ cards), ex. Proton, Chipknip<br />
  10. 10. So, whatactivities?<br />Payment products:<br />Credit transfer<br />non-SEPA domestic transfer<br />non-SEPA cross-border transfer<br />SEPA credit transfer (SCT)<br />Direct debit<br />Domestic direct debit<br />SEPA direct debit <br />Standing order<br />Cheques<br />
  11. 11. So, whatactivities?<br />Electronic banking<br />Internet banking / Online banking / PC banking<br />Phone banking<br />Self banking<br />Mobile banking / SMS banking<br />
  12. 12. So, whatactivities?<br />Savings products<br />Savings account<br />‘Ordinary’ savings account<br />Online account with higher net rate<br />Tax exemptable account<br />Fixed-term diposit / term account<br />Predetermined investment period<br />Predetermined interest rate<br />Bank savings certificates (ex. kasbons)<br />Fixed interest rate<br />Term as desired<br />Custody in custody account (ex. effectendossier)<br />
  13. 13. So, whatactivities?<br />Investment products<br />Funds (finance a company)<br />Bonds (creditor of a company) (NL: obligaties)<br />Pension savings<br />Government bonds<br />Shares (also called stock, owner of a company)<br />
  14. 14. So, whatactivities?<br />Lending:<br />Mortgages<br />Car loans<br />Installment loan / refurbishment loans<br />Student loans<br />Consumer credit facilities<br />Cash reserves<br />
  15. 15. So, whatactivities?<br />Other services:<br />Foreign currency exchange<br />Foreign trade support<br />Asset management<br />Financial markets services<br />Safes<br />
  16. 16. So, whatactivities?<br />Wholesale banking<br />Payments and cash management<br />Electronic banking services<br />Tailored solutions<br />Remote debits<br />Cash pooling<br />Lending<br />Overdraft<br />Short term loan<br />Investment credit<br />Installment loan<br />Guarantee<br />
  17. 17. So, whatactivities?<br />Financial markets<br />Corporate and government debt<br />Credit and equity derivatives<br />Treasury products<br />Interest rate derivatives<br />Foreign exchange<br />Structured products<br />Securities financing<br />Capital markets<br />Corporate finance<br />
  18. 18. Why do banks go broke?<br />If the value of itsloans drops substantially<br />When masses recalltheirsavings<br />Due to: loansthatdon’tgetrepaidbecause the economy slows down<br />Due to: a bignumber of fixedinterest rates for example on home-loans/mortageswhile the nominal interest rate rises. Makestheirloansworthless. Don’tforgetthatloans are oftensold to otherbanks<br />
  19. 19. Creating money<br />Banks ‘create’ money<br />How?<br />There is a process of lendingloans to otherpersons, companies or banks. <br />For example: money on a bankaccountislended to others. In theirturn, that money willbelendedtoo.<br />But the governmentregulates the core capital of a bank: Tier 1 capital<br />
  20. 20. Tier 1 ratio<br />The Tier 1 capital ratio is the ratio of a bank&apos;s core equity capital to its total assets<br />The Tier 1 risk based capital ratio is the ratio of a bank&apos;s core (equity capital) to its total risk-weighted assets<br />Regulator determines the ratio<br />Cash and coins have zero risk weight while debentures might have a risk weight of 100%<br />
  21. 21. Groepsopdracht 1 – Banken<br />Groepen van ongeveer vijf personen<br />Kies een bank uit en leg dit voor aan de docent via e-mail, na confirmatie kunnen jullie doorgaan of krijgen jullie een ander voorbeeld<br />Ga voor deze bank na:<br />Wat voor soort bank het is (retail, private, wholesale enz.)<br />Wat de organisatiestructuur is<br />Wat er voor informatie over IT in het jaarverslag staat<br />Wat de (IT)-strategie van de bank is<br />Wat voor electronic payment of home-banking producten ze aanbieden<br />Wat het tier 1 ratio van de bank is<br />Wat de ratings van de bank zijn, welk rating agency dit beweerd en in het kort waar ze naar kijken<br />Wie de grootste aandeelhouders zijn<br />Zoek op nieuws websites of bv Google Finance informatie over de huidige financiële situatie van die bank<br />
  22. 22. Eisen aan de opdracht<br />Deadline ligt op woensdag 7 oktober 2009 om 20u00<br />Te laatingeleverd of niet betekent nul puntenvoor de opdracht<br />Correct Nederlands en nette opmaak<br />Vermeld namen en opdracht naam op document<br />Plagiaatzonderbronvermelding = fraude<br />Digitaal inleveren via Hubwise<br />Bereid een korte presentatie voor voor de les van 14 oktober<br />

×