Articles on Banking

This article describes the evolution of modern day banking. The emergence of central banks and fractional reserve system of banking has also been described in this article.

Read More

This article provides the history behind central banking in the United States. It also explains why the two central banks established earlier failed and why the Federal Reserve has succeeded.

Read More

This article described the core functions of a central bank. It lists down some of the most important functions that help the central bank maintain decorum and stability in the economy.

Read More

This article explains the rationale behind reserve requirements. It also explains how the purpose behind reserve requirements has undergone a massive change after the introduction of central banking.

Read More

This article provides information about what is credit reporting. It also provides information regarding how credit scores are calculated and what is not included in these scores.

Read More

This article provides information about how technology has changed the channels through which banking service is delivered. It explains how human labor is being replaced by automated systems and machines.

Read More

This article provides the rationale behind the usage of the supposedly expensive credit cards by merchants. It also explains the roles of the different parties that are involved in a credit card transaction.

Read More

This article provides information about the various sources from which banks generate non interest income. It also explains why such income is important and how the composition of such income has changed over the years.

Read More

This article lists down the risks that are faced by banking institutions. It discusses the business processes that give rise to such risks and the measures that are usually taken by banks to mitigate them. It also explains why some of these risks cannot be avoided despite the banks best intentions.

Read More

This article provides a brief on the ongoing Kingfisher bankruptcy saga. It showcases the loopholes in the banks due diligence process that has possibly led to and contributed to this fiasco.

Read More

This article provides information about the evolution of Islamic banking. It also lists down the various types of products which are offered by Islamic banks and explains how they are compliant with the Sharia law.

Read More

This article lists down the various types of demand deposit products that are offered by banks. It also explains about the interest rates being offered by such products as well as the regulations that apply to them.

Read More

This article provides information about certificates of deposits (CDs) as an investing tool. They also provide information about the various types of CD’s that are available in the market and the unique benefits that they offer.

Read More

This article describes the history of the Basel Accord. It explains the salient features of each of the three Basel accords and how the Basel standards have improved over the years.

Read More

This article explains the concept of internet only banks. It also lists down some of the advantages and disadvantages of transacting with such a bank.

Read More

This article explains the concept of peer to peer lending. It also explains how these companies have proliferated the marketplace and how they are different from traditional banking. Compliance issues are also discussed in this article.

Read More

This article analyses whether breaking the “too big to fail” banks of United States will reduce the moral hazard problem that is being faced by these banks. It draws historical precedent from the Great Depression to prove that breaking the banks won’t be of much use.

Read More

This article explains how banks rigged the LIBOR and benefited from it. It also lists down the changes that have been made to the LIBOR system prevent such an occurrence in the future.

Read More

This article explains the functioning of a cashless society. It explains the premise of crime free society which is touted as the primary reason for this transition. An analysis of the pros and cons of the system have also been included in the article.

Read More

This article explains the possibility that there may be sinister motives behind the introduction of a cashless society. It also explains the possible harm that this cashless society can do and how it can be hijacked given the dismal macroeconomic scenario.

Read More

This article lists down the various measures taken by different governments. It tries to guess the hidden agendas that make cash the enemy of every government in the world.

Read More

This article explains the concept of Asset Reconstruction Companies. It also explains the legal and regulatory guidelines that govern the business practices of these companies.

Read More

This article provides information about the state of the art lockbox service that is provided by the banks in the United States. Under this service, the bank manages accounts receivables on behalf of the customer. This article also lists down the advantages of using the lockbox system.

Read More

This article explains the treasury functions at banks. It explains the importance of such functions and also lists the various tasks that need to be performed at the treasury department.

Read More

This article explains the concept of hire purchase. It also describes the situation in which this arrangement can be used and how hire purchase is different from an amortizing loan.

Read More

This article explains how China is making predatory loans in the South Asian region. It explores the possible motives behind these loans and lists down the cases of Sri Lanka and Pakistan.

Read More

This article explains what Fintech is. It also explains how this sector was created. Some of the biggest investors in Fintech have been mentioned in this article. The article also lists down reasons why Fintech companies have got the traditional banking sector worried.

Read More

This article explains the concept of peer to peer lending. It lists down the purpose of these loans. Then it also lists down the advantages and disadvantages of P2P lending.

Read More

Technology has revolutionized the way in which the BFSI or Banking, Financial Services, Insurance sector operates. Right from the economies of scale to the synergies, there is no aspect of the BFSI value chain that technology has not transformed. Also, technology offers clients superior customer service. Further, it has enabled round the clock and real-time trading which when used responsibly can be a force for good. Thus, the BFSI firms ought to continue technological progress along with using such technologies with care and caution.

Read More

This article explains the scam that happened at Punjab National Bank. It explains what letters of undertaking are and how they were used to defraud the bank. It also lists the governance lapses that allowed such a huge sum of money to be siphoned without the bank knowing about it.

Read More

The Indian Banking and Financial Services Industry or the BFSI Sector has come a long way from the time of independence to the Nationalization phase in the 1970s and the liberalization of the economy in the 1990s to the present when it plays a prominent role in the economy of the country. This case analyses the evolution of the Indian BFSI sector along with a Strategic Analysis of the same with the PESTLE and SWOT tools.

Read More

With so many news reports appearing about the bad debts problems of the Indian banks, this article explains the various measures and the root causes of the problem as well as presents facts to let the readers make informed decisions. We argue here that it is no longer an if but a when as far as the next banking crisis is concerned, and hence, we suggest the readers to take precautions accordingly.

Read More

This article describes a book called collusion. In this book, the author feels that there has been collusion between private banks and the Fed. The cause of this belief, as well as the aftermath of this collusion, has been explained in this article.

Read More

This article explains the perils facing European banking in general and Deutsche Bank in particular. It lists the reasons behind the poor performance of Deutsche Bank and also explains why it will be difficult for the German government to bail out Deutsche Bank.

Read More

This article explains the issue related to farm loan waivers. It studies the pros and cons of the issue and explains how this issue is negatively affecting the Indian economy.

Read More

This article lists the shortcomings in the European banking system. An in-depth analysis of the possible problems facing the European banking system has been listed in this article.

Read More

This article explains the non-performing assets crisis that is being faced by Indian public sector banks. It also explains the concept of recapitalization bonds and how the government plans to use them to avoid a systemic collapse.

Read More

This article explains why the fiat system is inherently fragile. It also explains how the policies that are being undertaken by the government are causing rapid inflation. Lastly, it explains why this high inflation is being sustained for so many years and why it will eventually lead to the total collapse of the monetary system.

Read More

This article explains the concept of dynamic discounting. It also explains how this new concept benefits both the buyers as well as suppliers. It also explains how this is negatively impacting the business of banks.

Read More

We all know Investment Banking is Glamorous and yet, demanding. However, what is it that makes it so alluring to management students and professionals. Moreover, what exactly is investment banking and what do investment bankers do. These are some of the questions that would be answered in this article. Drawing from personal experience and conversations with industry professionals, this article demystifies the mysterious world of investment banking.

Read More

This article explains the concept of inter-creditor pacts. It lists the common features of such pacts. It then provides the details of the pact signed by several Indian banks. Lastly, the article lists the advantages of such pacts.

Read More

This article explains the background of Indian equity markets. It explains why action by the Reserve Bank of India was of paramount importance. It also explains how the lack of this action has spooked investors causing a downfall in the market.

Read More

This article explains why central banks need to independent of the government. The pros and cons of having an independent central bank have been discussed. The effects of government meddling in the nation’s monetary policy have also been discussed.

Read More

This article explains the downfall of Chanda Kocchar. It provides a detailed explanation of the questionable loans that were made by Chanda Kocchar to the Videocon and Essar Group. Details about her personal dealings with the Videocon group have also been provided in this article.

Read More

This article explains the pros and cons of the Sun Trust and BB&T merger. It also explains how the merger is likely to affect the banking industry as a whole.

Read More

This article explains why the process of setting benchmark interest rates like LIBOR (London Interbank Offered Rate) has an inherent conflict of interest. It also details the various instances where banks have rigged the process of interest rate determination in order to gain an unfair advantage

Read More

This article explains the concept of postal banking. It lists the problems associated with postal banking. It also provides historical context into postal banking services. Experiences of other countries such as Japan have also been provided in order to give a better explanation.

Read More

This article explains the details of the auto insurance scandal which has taken place in Wells Fargo. It also explains Wells Fargo’s justification about this scandal as well as how they plan to compensate their customers.

Read More

What is FinTech? Why do we hear it so often? What are its uses and misuses? How is it a game changer for banks and financial services firms? Can it be used to better the lives of less privileged? Moreover, is runaway FinTech a threat to the financial system? These are some of the questions that would be tackled in this article with the main focus being how FinTech has been is and going to be a game changer for BFSI firms.

Read More

This article explains how the Silicon Valley Bank crisis is the result of poor monetary policies followed by the Fed i.e. the central bank of the United States. It explains how the prevalence of easy money and the sudden jolt towards higher interest rates caused the business model of the Silicon Valley Bank to fail.

Read More

This article explains the definition of a government bailout. It then explains how the actions of the Fed cannot be technically considered to be a bailout. However, in essence, it is still a bailout as it uses public money to prop up the value of private banks.

Read More

This article explains the concept of the Bank Term Funding Program (BFTP). It also explains the basic details of this program as well as how it is expected to help the depositors as well as banks struggling with cash flow.

Read More

This article explains the shortcomings of the Bank Term Funding Program (BFTP). It critically analyses the provisions of the program and explains how these provisions could end up causing damage to the larger economic system.

Read More

About the Author(s)

MSG team comprises experienced faculty and professionals who develop the content for the portal. We collectively refer to our team as - “MSG Experts”. To Know more, click on About Us.

A Smarter Way to Study....short presentations, real results

  • Optimum lively Graphics and Animation to make the concept easy to understand
  • Engaging PPTs which are a fast, effective, short and concise, with lots of examples to help you master the subject quickly
  • Continuous learning platform - new presentations added every week

 download 9 FREE Powerpoint Presentations