Articles on Banking

History of Modern Banking

Banking in old times was not the tightly monitored and tightly regulated business that it is today. Instead, earlier banking...

Central Banking in the United States

The United States is economically the most powerful nation in the world today. This is what makes the study of...

Central Banking Functions, Regulations, and Risks Explained

Central banking is the backbone of any modern financial system, acting as the primary authority responsible for maintaining monetary and...

Interbank Lending Markets and Repurchase Agreements

Banks have to lend money in accordance with the amount of reserves that they have on hand. However, there is...

In-Depth Guide to Retail and Commercial Banking Products and Services

Commercial banking plays a pivotal role in the global economy, serving as the financial backbone for businesses of all sizes....

How Credit Rating Works ?

It may seem like the banking business is about money. However, the banking business is really all about information. Until...

Technology and Banking Delivery Channels

Technology has touched every aspect of our lives in the recent years and banking has been no exception. Huge strides...

What Are Smart Cards and How are They Better than Credit Cards ?

Credit cards have become an increasingly important part of every consumer’s finances. Banks now have more credit card customers than...

Multiplier Effect: How Fractional Reserve Banking Creates Money ?

The modern banking system is considerably different from what the average person believes it to be. Banks are not institutional...

Capital Adequacy Ratio – Meaning and its Importance

Banks in the modern world face an inherent risk of insolvency. Since the banks are so highly leveraged, there could...

Rigging the LIBOR

The British banking regulator FSA has prosecuted Barclays for rigging the interest rates in the market. The regulator termed it...

Cashless Economy: Pros and Cons

Governments across the world have stepped up their fight against cash. Cash is being increasingly viewed as a curse that...

Asset Reconstruction Companies

The Indian banking system is reeling under a glut of Non Performing Assets (NPA’s). The unpaid debts of Indian corporations...

Lockbox Service Provided by Banks

What is a Lockbox ? Lockbox is an additional service provided by banks in the United States. This service allows...

Treasury Operations of Banks

Modern banks are huge entities employing thousands of people in their workforce. However, amongst the various departments present at banks,...

Hire Purchase Agreements

Buying Assets on Installments A hire purchase agreement is a particular type of agreement between a buyer and seller. The...

United States and the Curse of Predatory Lending

Predatory Lending, also colloquially known as loan sharking is a bad business model. This business has always been run by...

China’s Predatory Lending

The Chinese government has a bad reputation when it comes to finances. Most countries including the developed ones like the...

Fin Tech: The Future of Banking

It’s hard to read a newspaper and not see any Fintech company being mentioned. The Fintech revolution has taken center...

How Technology has been a Game Changer for the Banking and Financial Services Sectors

How Technology is a Game Changer for the BFSI Sector It would be an understatement to say that technology has...

The Mega Scam in the Indian Banking System

Indian banking sector is divided into two. There are public sector banks, and then there are private sector banks. The...

Privatization of India’s Public Sector Banks

The Indian banking sector is facing a crisis on an unprecedented scale. The problem becomes peculiar when more facts are...

Case Study of the Indian Banking and Financial Services Industry using Strategic Tools

Finance is like Oil to the Engine of the Indian Economy As finance is the grease and the oil that...

How dire is India’s bad debts problem and what you need to know about it

How Dire is the Bad Debts Problem in Indian Banks In recent months, the news reports about India’s bad debts...

Interest Rates and Their Effect on Small Businesses

Predicting future interest rate movements is not only important for traders who invest in financial markets. Instead, it is also...

Deutsche Bank: The Fall of a Giant

The European banking system has been in a bit of a crisis in the last few years. Major European banks...

Will The Fiat Money System Collapse?

In 1971, Richard Nixon single-handedly took the world off the gold standard. Ever since, many commentators have been of the...

Demystifying the Mysterious, Glamorous, and Demanding World of Investment Banking

The Lure of Investment Banking and Why is it so for Management Practitioners All aspiring management students as well as...

Indian Banking Sector: Inter-Creditor Pacts

The Indian banking sector has seen a sudden increase in the number of bad loans. Several of these bad loans...

Why Should Central Banks Be Independent?

Last month Donald Trump fueled a debate when he called the Fed “crazy.” Political accusations started flying all across the...

The Downfall of Chanda Kocchar – India’s Rockstar Woman CEO

The ICICI bank is the largest private sector bank in India. It was also famous for being one of the...

BB&T and Sun Trust Bank Merger

BBT and Sun Trust bank are both giant institutions in their own right. However, now since they have decided to...

The Deutsche Bank Commerzbank Merger

Deutsche Bank which, which was once a dominant German financial institution has now become extremely fragile. This German bank managed...

The Inherent Conflict of Interest in Interest Rates Determination

The global financial system is not perfect by any means. However, most of the imperfections seem to be minor. As...

The Wells Fargo Auto Insurance Scandal

Wells Fargo is one of the largest banks in the United States. However, of late, it has also become one...

What is FinTech and How it Enables Banking and Financial Firms to Leverage Technology

What is FinTech and how is it a Game Changer for BFSI firms? Anybody with a passing curiosity about the...

Comprehensive Analysis of the Silicon Valley Bank Collapse and Its Impact

The sudden collapse of Silicon Valley Bank (SVB) in March 2023 sent shockwaves through the global financial system, prompting urgent...

Problems with Bank Term Funding Program (BTFP)

The Silicon Valley Bank crisis has prompted the Federal Reserve to evaluate its emergency funding program. The original emergency funding...

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