This document discusses financial institutions such as bonds, stocks, and retained earnings. It also covers financial intermediaries like banks, mutual funds, and insurance companies. Bonds are obligations issued by corporations that promise fixed interest payments and repayment of principal at maturity. Stocks signify ownership in a corporation and represent a claim on its assets and earnings. Retained earnings are corporate profits used for reinvestment rather than dividends. The document also summarizes the 2008 financial crisis, which was largely driven by excessive debt, lax regulation, risky policies, and in some cases outright fraud related to the mortgage industry.
Chapter 3 Depository Institutions: Activities and CharacteristicsNardin A
Chapter 3 Depository Institutions: Activities and Characteristics
Foundations of Financial Markets and Institutions 4th edition 2009
Frank J. Fabozzi
Franco Modigliani
Frank J. Jones
Chapter 3 Depository Institutions: Activities and CharacteristicsNardin A
Chapter 3 Depository Institutions: Activities and Characteristics
Foundations of Financial Markets and Institutions 4th edition 2009
Frank J. Fabozzi
Franco Modigliani
Frank J. Jones
The largest source by far of funds for banks is deposits; money that account holders entrust to the bank for safekeeping and use in future transactions, as well as modest amounts of interest.
IFMR Track presented by Ms. Bindu Ananth, President, IFMR Trust, on New Financial Instruments for Social Enterprises at Khemka Forum on Social Entrepreneurship.
Chapter 2 Financial Institutions, Financial Intermediaries and Asset Manageme...Nardin A
Chapter 2 Financial Institutions, Financial Intermediaries and Asset Management Firms
Foundations of Financial Markets and Institutions 4th edition 2009
Frank J. Fabozzi
Franco Modigliani
Frank J. Jones
The principle of intermediation.ppt copySowie Althea
Financial intermediation refers to borrowing by economic deficit units from financial institutions in preference to borrowing directly from economic surplus units.
Notes given on 04/15/2015 over Chapter 11 Section 2. Also available on YouTube as video and audio. STRONGLY suggested you listen to it since some verbal notes will be on the test.
The largest source by far of funds for banks is deposits; money that account holders entrust to the bank for safekeeping and use in future transactions, as well as modest amounts of interest.
IFMR Track presented by Ms. Bindu Ananth, President, IFMR Trust, on New Financial Instruments for Social Enterprises at Khemka Forum on Social Entrepreneurship.
Chapter 2 Financial Institutions, Financial Intermediaries and Asset Manageme...Nardin A
Chapter 2 Financial Institutions, Financial Intermediaries and Asset Management Firms
Foundations of Financial Markets and Institutions 4th edition 2009
Frank J. Fabozzi
Franco Modigliani
Frank J. Jones
The principle of intermediation.ppt copySowie Althea
Financial intermediation refers to borrowing by economic deficit units from financial institutions in preference to borrowing directly from economic surplus units.
Notes given on 04/15/2015 over Chapter 11 Section 2. Also available on YouTube as video and audio. STRONGLY suggested you listen to it since some verbal notes will be on the test.
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Chaim cirtronenbaum | All Financing Option in Real EstateChaim Citronenbaum
Chaim Citronenbaum has more than 10 years of experience in real estate. He is the owner of a real estate firm. He describes here all the financing option in real estate.
3. Bonds
Bonds- An Obligation issued by the coorporation
that promises the holder to receive fixed annual
interest payments and payment of the principial
upon maturity
5. Stocks
Stocks- A type of security that signifies
ownership in a corporation and represents a
claim on part of the corporation's assets and
earnings.
9. Financial Intermediaries, Banks
A bank is a financial intermediary that
accepts deposits and channels those deposits
into lending activities, either directly by loaning or
indirectly through capital markets. A bank links
together customers that have capital deficits and
customers with capital surpluses.
11. The Financial Crisis in 2008
The best word for reason of crisis is DEBT.
Mortgage
Lax regulators
Misguided Government policies
Outright Fraud
12. Low Interest Rates 2002-2004
Aggressive Borrowing
Deregulation in the Housing Market
Fannie Mae and Freddy Mac
Standard`s and poor and Moody`s
Lehman Brothers Bear Stearns and Merrill Lynch
Morgan Stanley and Goldman Sachs
13. SOURCES
Book: Macro Economy Chapter 5
For the Stock and Bond definitions:
http://www.investopedia.com/terms/s/stock.asp
For the Stock and Bond terms:
http://www.investopedia.com/terms/s/stock.asp
For the Financial Intermediaries, Banks :
http://en.wikipedia.org/wiki/Bank
For the Crises of 2008 :
1)
http://en.wikipedia.org/wiki/Financial_crisis_of_2007%E2%80
%9308
2) http://www.investopedia.com/articles/economics/09/financial-
crisis-review.asp