Economic environment unit2
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Banks play an important role in the economy by serving as financial intermediaries. They accept deposits from savers and pool those funds to provide credit to borrowers, either directly through lending or indirectly by investing in capital markets. This transfers funds from those with surplus money to invest to those who need to borrow funds. Commercial banks also facilitate national and international trade by transferring funds, which is key to the functioning of the economy. Banks include central banks that implement monetary policy, commercial banks that accept deposits and provide credit, savings banks for lower income savers, and development banks that lend to new businesses.
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This document provides an overview of financial markets and institutions. It discusses how the household and business sectors interact and how financial intermediaries help allocate capital between savers and investors. Financial markets facilitate the transfer of savings, provide pricing information, and bring liquidity. Different types of financial markets include money markets, capital markets, primary markets, and secondary markets. The document also outlines various financial institutions like investment banks, commercial banks, and mutual funds that operate within these markets. It explains how taking out a loan from a bank creates new money in the economy beyond what is held in reserves. Finally, it briefly mentions physical and over-the-counter stock exchanges.
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INTERATIONAL FINANCIAL SYSTEM
COMPONENTS OF FINANCIAL SYSTEM :
FINANCIAL INSTITUTIONS ,
FINANCIAL MARKETS ,
FINANACIAL SERVICES ,
FINANCIAL INSTRUMENTS ,
PARTICIPANTS OF FINNANCIAL SYSTEM ,
CLASSIFICATION OF FINANCIAL MARKET ,
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EORO BOND MARKET ,
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FINANCIAL MARKETS ,
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PARTICIPANTS OF FINNANCIAL SYSTEM ,
CLASSIFICATION OF FINANCIAL MARKET ,
CAPITAL MARKET ,
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Presentation on financial services
All important topic are cover in this Presentations
introduction ,nature ,scope types of service,etc.
Hope you enjoy my presentation .
Thank you for read
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The document discusses conventions from the thriller genre that were used in a media product. It summarizes that the product included a McGuffin, which is a plot device that motivates characters and advances the story. It also included an enigma, which is a puzzle or mystery that a character must solve by the end. Finally, it analyzes how some key media theories around secret codes and character types were applied. Specific examples are given comparing scenes in the product to Star Wars and The Force Awakens films.
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Wordpress Nereye Koşuyor?
Bu workshop'umuzda, önceleri sadece blog yaratmak için kullanılan Wordpress'in son yıllarda yaptığı ataklarla geldiği noktayı inceleyip, sektörün Wordpress'i ne amaçla kullandığına göz attık.
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This document discusses negotiable instruments and bank cheques. It defines negotiable instruments as documents used in commerce to secure payment of money. Cheques are specifically defined as written promises by the drawer for the bank to pay the payee on demand. The key parties to a cheque are the drawer, drawee (bank) and payee. Features of a cheque include the cheque number, sort code, account number and crossing lines instructing the bank to deposit funds in the payee's account rather than paying in cash. Negotiable instruments must bear the maker's signature, include an unconditional promise to pay a fixed sum, specify a payment on demand or at a definite time, and be payable to order or to bear
Economic environment unit3
This document discusses pricing mechanisms and concepts from an economics perspective. It defines pricing as the process of determining the cost for goods and services based on factors like production costs, competition and demand. It then describes price mechanisms as how buyers and sellers negotiate prices based on supply and demand through mutual exchanges. Finally, it outlines three key functions of price mechanisms: 1) they act as signals to producers about supply and demand, 2) they transmit consumer preferences to producers, and 3) they provide incentives for producers and consumers to change their behavior in response to price changes.
Economic environment unit2
Banks play an important role in the economy by serving as financial intermediaries. They accept deposits from savers and pool those funds to provide credit to borrowers, either directly through lending or indirectly by investing in capital markets. This transfers funds from those with surplus money to invest to those who need to borrow funds. Commercial banks also facilitate national and international trade by transferring funds, which is key to the functioning of the economy. Banks include central banks that implement monetary policy, commercial banks that accept deposits and provide credit, savings banks for lower income savers, and development banks that lend to new businesses.
Economic environment unit8
This document discusses environmental conservation and its relationship to economics. It begins by defining economics and the environment. It then outlines global trends in increasing priority given to environmental protection, including frameworks like the UNFCC and Kyoto Protocol. For Uganda specifically, the document notes that environmental sustainability is a strategic objective in development plans but the country has not performed well on related MDG measures. It emphasizes that Uganda's prosperity relies on biodiversity that faces threats. Finally, it describes the interrelationship between the environment and economics, noting the environment supplies resources and economic prosperity relies on it.
Economic environment unit7
The document discusses international trade and regional economic integration in Africa. It provides details on several major regional economic communities in Africa, including COMESA and the East African Community (EAC). COMESA aims to promote economic development and trade by removing barriers between member states. Its goals include establishing a free trade area and eventually a common market and monetary union. The EAC also seeks to deepen economic and political integration between its members through cooperation in areas like trade, infrastructure, and security. Both organizations aim to boost intra-regional trade and investment through gradual economic harmonization and coordination between states.
Economic environment unit6
The document discusses the role of government in regulating economic activity and maintaining stable market conditions. It describes how governments establish legal frameworks, regulate industries like banking, implement fiscal and monetary policies to influence economic growth and inflation, redistribute resources, and address externalities. Specifically, it outlines the government's role in regulating general business interactions and specific industries, using policies like taxation and money supply management to guide economic stabilization, and providing services that markets do not.
Economic environment unit5
The document discusses different types of business organizations including sole proprietorships, partnerships, limited liability companies, and cooperatives. It provides details on the key advantages and disadvantages of each type. Sole proprietorships are easy to establish but the owner bears all financial risks, while partnerships allow for more capital but partners have unlimited liability. Limited liability companies provide protection of personal assets but involve more legal formalities. Cooperatives make it easier to raise capital from members but with less personal control over business decisions.
Economic environment unit4
This document discusses inflation, including its definition, causes, effects, and methods of control. Inflation is defined as a rise in the general level of prices for goods and services in an economy over time, which causes a loss of purchasing power. Common causes of inflation include increases in production costs, demand, money supply, and imported goods prices. Effects can be both positive, like encouraging investment, and negative, like uncertainty reducing investment. Controlling inflation involves monetary policy through central banks targeting low interest and inflation rates.
Economic environment unit1
This document provides an overview of key economic concepts and the economic environment. It begins by explaining the objectives of the module which are to explain the economic environment, basic economic concepts, micro and macroeconomics, and different economic situations and their causes. It then defines several important economic terms and concepts such as scarcity, resources, supply, demand, market equilibrium, production, cost, efficiency, and opportunity cost. It also distinguishes between microeconomics and macroeconomics and explains economic indicators like economic growth, inflation, employment, and unemployment.
Lending unit 9
The document discusses lending, insolvency, receivership, and bankruptcy from the perspective of banks and lenders. It covers the typical lending cycle and key issues at each stage. Acts of bankruptcy under Ugandan law are outlined, including conveyance of property to trustees or fraudulent transfers. The implications of receivership are summarized, such as the receiver taking charge of the borrower's affairs and replacing management. Finally, the duties of a receiver and effects of bankruptcy are briefly explained, such as proof of debts by creditors and priority of certain debt types in distribution of the bankrupt's property.
Lending unit 8
The document discusses lending in the banking business and concepts related to insolvency. It begins by outlining the learning outcomes which are to articulate the role of lending, discuss the bank lending cycle, and explain insolvency, bankruptcy, and receivership. It then provides definitions of key terms like insolvency, receivership, and bankruptcy. Finally, it lists 11 signs that can indicate a business or individual is insolvent, such as continuing losses, current liabilities exceeding assets, unpaid taxes, and suppliers requiring cash-on-delivery or special payments. The document aims to explain these lending and insolvency concepts to banking and financial services students.
Lending unit 7
This document discusses lending in the banking business. It covers general principles of good lending, the typical lending cycle, and remedies for defaulting borrowers. Delinquency or default refers to a borrower failing to pay installments on time. Causes of delinquency include inability to pay, business failure, adverse economic conditions, willful default, death, inappropriate loan terms, and bankruptcy. Managing delinquency involves preventing late payments through proper underwriting and tailoring loans to borrowers' needs. It also involves solving existing delinquencies through measures ranging from contact and rescheduling to seizing and selling collateral.
Lending unit 5
This document discusses different types of lending in the banking business. It defines corporate lending as lending to companies and institutions that are separate legal entities, while retail lending refers to lending to individuals and small businesses. The key differences between corporate and retail lending are loan amounts, who signs contracts and bears liability, and complexity. Requirements for corporate lending include the company being incorporated and having authority to borrow, while requirements for retail lending include the borrower being an adult of sound mind and having debt repayment capacity. Mortgage lending is also discussed as a specialized type of lending secured by property.
Lending unit 4
The document discusses various aspects of the lending cycle in banking, including promotion, application, screening, approval, contracting, disbursement, administration, repayment, and remedies for defaulting borrowers such as receivership. It covers topics such as the role of lending in banks, general principles of good lending, types of advances, and risks at different stages of the lending cycle. The document is intended to help readers understand the lending process and key issues involved.
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Economic environment unit2
- 1. THE UGANDA INSTITUTE OF BANKING & FINANCIAL SERVICES UIBFS ISO 9001:2008 CERTIFIED Introduction to Basic Economic Theory and Concepts The Banking Economic Systems Pricing and Price Mechanism Inflation The Government and Economy Types of Business Organizations MODULE COVERAGE 1 International Trade and Regional Groupings
- 2. THE UGANDA INSTITUTE OF BANKING & FINANCIAL SERVICES UIBFS ISO 9001:2008 CERTIFIED The Role of Banks in the Economy A bank is an establishment authorized by a government to accept deposits, pay interest, clear checks, make loans, act as an intermediary in financial transactions, and provide other financial services to its customers. It is a financial institution that serves as a financial intermediary. The term "bank" may refer to one of several related types of entities: • A central bank whose economic role is to provide and control circulation of money on behalf of a government and acts as its monetary authority by implementing monetary policy, which regulates the money supply. • A commercial bank which accepts deposits and pools those funds to provide credit, either directly by lending, or indirectly by investing through the capital markets. Within the global financial markets, these institutions connect market participants with capital deficits (borrowers) to market participants with capital surpluses (investors and lenders) by transferring funds from those parties who have surplus funds to invest (financial assets) to those parties who borrow funds to invest in real assets. Commercial banks also transfer funds nationally and internationally,, thereby facilitation trade which is key to the functioning of the economy • 2
- 3. THE UGANDA INSTITUTE OF BANKING & FINANCIAL SERVICES UIBFS ISO 9001:2008 CERTIFIED A savings bank or savings and loan companies (S&L). These provide savings facilities for persons who are interested in growing their savings, usually lower income people. Development bank, which lends money to people who have business start-up or expansion ideas but need additional capital 3
Editor's Notes
- At the end of this unit, you should be able to: Define of key banking concepts in the economic context Explain the roles of the different types of financial institutions in the economy Understand the types of Banking