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Overview of Banks and Their Evolving Services in Today's Economy

This chapter provides a comprehensive look at the essential roles banks play in the economy, focusing on traditional and recent banking services. You will explore how increased competition, technological advancements, consolidation, and globalization impact bank management decisions. Key topics include the exchange of currency, commercial loans, savings deposits, and emerging services such as consumer loans and financial advice. The discussion also covers the intermediation, payment, and risk management roles of commercial banks, as well as trends that influence all banks today.

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Overview of Banks and Their Evolving Services in Today's Economy

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  1. Chapter 1 An Overview of Banks and their Services In this chapter you will learn about the many roles banks play in the economy today and see how recent trends in banking, including increased competition, technological change consolidation into larger firms, and globalization can affect a bank manager’s decision making.

  2. Traditional Services Offered By Banks • Exchange of Currency • Commercial Notes and Loans • Offering Savings Deposits • Safekeeping of Valuables • Supporting Government Activities with Credit • Checking Accounts • Trust Services

  3. Recent Services of Banks • Consumer Loans • Financial Advice • Cash Management • Equipment Leasing • Venture Capital Loans • Selling Insurance Products • Security Underwriting and Brokerage Services • Mutual Funds and Annuities • Merchant Banking Services

  4. The Roles of Commercial Banks • Intermediation Role • Payment Role • Guarantor Role • Risk Management Role • Savings/Investment Advisor Role • Safekeeping/Certification of Value Role • Agency Role • Policy Role

  5. Trends Affecting All Banks • Service Proliferation • Competition • Deregulation • Rising Funds Costs • Increased Interest Rate Sensitivity • Technology • Consolidation and Geographic Expansion • Increased Risk of Failure

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