tailieunhanh - Lecture Money and capital markets: Financial institutions and instruments in a global marketplace (8th edition): Chapter 15 - Peter S. Rose
Chapter 15 - The commercial banking industry. In this chapter, you will learn to understand how important commercial banks are to the functioning of a modern economy and financial system; to explore the structure of the united states’ banking industry; to learn about bank financial statements and how to read them. | Money and Capital Markets 15 C h a p t e r Eighth Edition Financial Institutions and Instruments in a Global Marketplace Peter S. Rose McGraw Hill / Irwin Slides by Yee-Tien (Ted) Fu The Commercial Banking Industry Learning Objectives To understand how important commercial banks are to the functioning of a modern economy and financial system. To explore the makeup of the United States’ banking industry. To learn about bank financial statements and how to read them. To see how banks create and destroy money and credit, and why this activity is so vital. Introduction The dominant privately owned financial institution in the . and in the economies of most major countries is the commercial bank. This institution offers the public both deposit and credit services, as well as a growing list of newer and more innovative services, such as investment advice, security underwriting, selling insurance, and financial planning. The Structure of . Commercial Banking Number Number of Type . | Money and Capital Markets 15 C h a p t e r Eighth Edition Financial Institutions and Instruments in a Global Marketplace Peter S. Rose McGraw Hill / Irwin Slides by Yee-Tien (Ted) Fu The Commercial Banking Industry Learning Objectives To understand how important commercial banks are to the functioning of a modern economy and financial system. To explore the makeup of the United States’ banking industry. To learn about bank financial statements and how to read them. To see how banks create and destroy money and credit, and why this activity is so vital. Introduction The dominant privately owned financial institution in the . and in the economies of most major countries is the commercial bank. This institution offers the public both deposit and credit services, as well as a growing list of newer and more innovative services, such as investment advice, security underwriting, selling insurance, and financial planning. The Structure of . Commercial Banking Number Number of Type of Bank of Banks Branch Offices National banks 2,230 32,808 State-chartered member banks 991 12,954 Total Fed member banks 3,221 45,762 Nonmember state-chartered banks 5,094 18,317 Total banks 8,315 64,079 Number of Commercial Banks at Year-end 2000 Source: Federal Deposit Insurance Corporation The Structure of . Commercial Banking Source: Board of Governors of the Federal Reserve System 15 - A Trend Toward Consolidation One of the most important structural changes affecting the banking industry in recent years is the drive toward consolidation of industry assets into fewer, but larger, banking organizations. Branch Banking The drive toward consolidation of banks into larger organizations is most evident in the long-term shift toward branch banking. Many of the nation’s largest banks have followed their customers to distant markets across the nation through branching and mergers, so as to protect their sources of funds and their earnings. Bank Holding .
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