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    WR Präsi

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    Kai Müller
    This document provides an overview of basic banking knowledge including the key areas of deposit business, lending business, and off-balance sheet activities. It explains that deposit business involves storing money through sight deposits which allow for immediate withdrawal or time deposits which are deposited for longer periods with lower withdrawal amounts. The lending business is described as involving an application, creditworthiness check, loan contract, provision of funds, and monitoring process. Off-balance sheet activities include various services like payments, investment advice, asset management, trading, and issuing products.

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    WR Präsi

    Uploaded by

    Kai Müller
    9 views9 pages
    This document provides an overview of basic banking knowledge including the key areas of deposit business, lending business, and off-balance sheet activities. It explains that deposit business involves storing money through sight deposits which allow for immediate withdrawal or time deposits which are deposited for longer periods with lower withdrawal amounts. The lending business is described as involving an application, creditworthiness check, loan contract, provision of funds, and monitoring process. Off-balance sheet activities include various services like payments, investment advice, asset management, trading, and issuing products.

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    This document provides an overview of basic banking knowledge including the key areas of deposit business, lending business, and off-balance sheet activities. It explains that deposit business involves storing money through sight deposits which allow for immediate withdrawal or time deposits which are deposited for longer periods with lower withdrawal amounts. The lending business is described as involving an application, creditworthiness check, loan contract, provision of funds, and monitoring process. Off-balance sheet activities include various services like payments, investment advice, asset management, trading, and issuing products.

    Copyright:

    © All Rights Reserved
    Download as PPTX, PDF, TXT or read online from Scribd
    Flag for inappropriate content
    Download as pptx, pdf, or txt
    9 views9 pages

    WR Präsi

    Uploaded by

    Kai Müller
    This document provides an overview of basic banking knowledge including the key areas of deposit business, lending business, and off-balance sheet activities. It explains that deposit business involves storing money through sight deposits which allow for immediate withdrawal or time deposits which are deposited for longer periods with lower withdrawal amounts. The lending business is described as involving an application, creditworthiness check, loan contract, provision of funds, and monitoring process. Off-balance sheet activities include various services like payments, investment advice, asset management, trading, and issuing products.

    Copyright:

    © All Rights Reserved
    Download as PPTX, PDF, TXT or read online from Scribd
    Flag for inappropriate content
    Download as pptx, pdf, or txt
    of 9

    Basic Knowledge

    Content
    • Overview
    • Deposit Business
    • Lending Business
    • Off-Balance Sheet Activities
    Overview
    • Many banks —> Universal

    • Banking groups

    • Deposit Business
    • Stores Money

    • Lending Business
    • Lends money

    • Off-Sheet
    • Various
    Deposit Business
    • Sight Deposit —> Immediate Withdrawal
    • Time Deposit —> Deposited longer, lower withdrawal amount
    • Bonds
    • LIBOR rate —> interest rate of time deposits
    Lending Business
    • Lending process
    • Application
    • Check of Creditworthiness (Rating)
    • Loan Contract
    • Provision of loan
    • Monitoring
    • Business plan —> Rating
    Off-Balance Sheet Activities
    • Payment transactions
    • Investment advice (Diversification, Magic Triangle, Strategy)
    • Asset management
    • Stock trading
    • Foreign exchange trading (foreign currencies)
    • Issuing business (shares, bonds)
    Newspaper Article
    CNN Business – Small Banks in China
    Overview
    • Small Banks are in critical state (rural areas)
    • No cash withdrawals
    • Banking regulation accused the banks of illegal activity
    • Many banks have been accused of corruption —> last few years
    • 400‘000 people affected
    More detailed
    • Local banks accused of corruption, money laundering
    • Banking Commission blames investment firm
    • Local banks only allowed to hand out local deposits
    • Reasons for onlone transaction
    • Shows deteriorating financial health
    • China‘s fight against corruption seemingly useless

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