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69:"The terms bankrupt and "broke" are similarly derived from banca rotta, which refers to an out-of-business bank, having its bench physically broken." Oh yea? Sounds to me like an unfounded assertion. While the derivation of "bank" from "banca" is beyond dispute, the term "banca rotta" is an obvious and easy metaphor that does not require a physical basis. If it does have a physical basis, please let us have a citation.
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nationalization. Putting the banks under bankruptcy proceedings, reorganizing them, and protecting them is necessary. The world governments, economies, and financial systems all require a system of public credit. The reason for that is there is no other way by which reliable investment in fundamentals, such as food production, can occur.
537:"There are also financial institutions that provide certain banking services without meeting the legal definition of a bank, a so called non-banking financial company." - two problems: "also financial institutions" sounds awkward to me; also the agreement is wrong in the last clause (singular-plural).
485:
I have heard that banks don't actually give the money that people deposit as loans. It that were so, how come corporations, businesses and individuals can all be in debt at the same time? I am told that banks actually create the money they lend out in exchange for the promise of borrowers to pay that
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This whole article is a laugh, obviously written by someone with very little knowledge and understanding of banking. The comment about how banks now generate most non-interest income via overdraft charges is the best. I've been in corporate banking for 20+ years, but as one writer stated, I don't
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Could someone provide a section which describes how banks work? As I understand it, one of the fundamentals in the operation of a bank is that they borrow money (receive deposits) paying one level of interest and then lend that money (loans) at a higher level of interest, earning an income on the
519:
What's missing from this entry is a section (or link to a section) on general accounting practices used by banks. There's the GAPP articles, and various accounting articles, but I'd be interested in how banks set up their data processing and database systems to handle these things, as well as any
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Although
Regions will be a top 10 US bank when, and lets remember it isnt approved by shareholders yet, it is created, however even then it wont rank in the top 10 globally, it will in fact be some way off, eg taking the lowest placed in the current top 10, eg US$ 1110bn for BofA against the new
578:
It seems to me that this entry is about depository institutions, not about central banks, so the brief discussion on Andrew
Jackson's opinion of the US Central Bank should be axed. The author of that section didn't get the reasoning behind Jackson's opinion correct, anyway, and doesn't seem to
680:
That the article mentions neither national banking, nor public credit, severely hurts the credibility of the article. The current debacle of banks loaning money that they don't have can be complemented by showing that the government, the people, and the banks, would not lose out were they to
470:
At my bank, we would talk about "margin" rather than "spread". To me, spread sounds like a term from a money market team, rather than a lending team. But, whatever. And yes, in
Australia we used to have a concept of a "trading bank" and a "savings bank", but these two concepts are gone.
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That the article mentions neither national banking, nor public credit, greatly hurts the credibility of the article. The current debacle of banks loaning money that they do not have can be complemented by showing that the government, the people, and the banks can all greatly benefit by
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I was surprised to see that the term "spread" wasn't used even once in the article. Am I misguided in believing this is almost as widely used in banking cirles as the term "interest"? My own knowlege of bank operation is limited and spotty, otherwise I'd attempt this section myself.
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1. Citigroup 20 billion 2. Bank of
America 15 billion 3. HSBC 10 billion 4. Royal Bank of Scotland 8 billion 5. Wells Fargo 7 billion 6. JP Morgan Chase 7 billion 7. UBS AG 6 billion 8. Wachovia 5 billion 9. Morgan Stanley 5 billion 10. Merrill Lynch 4 billion
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I would like to see something in this article about the U.S's dual banking system and the two charters: national and state. Some banks have N.A. or fsb after their names. Does this identify the charter they operate under?
182:? This article is in danger of loosing a global view, and there is alot to say about the structure of the sector in the US, especially for those of us who are used to European banking. I'll quite happily do this later on.
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bankrupt ORIGIN mid 16th cent.: from
Italian banca rotta ‘broken bench,’ from banca (see bank 2 ) and rompere ‘to break.’ The change in the ending was due to association with Latin rupt- ‘broken.’
75:
bank ORIGIN late 15th cent.(originally denoting a money dealer's table): from French banque or
Italian banca, from medieval Latin banca, bancus, of Germanic origin; related to bank 1 and bench .
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which I used to update our rankings. My understanding is that the delay is partly as a result of the need to ensure data is comparable, although this is becoming easier with the introduction of
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Surely the initial phrase: "A bank is a business that provides banking services for profit." is a little self-explanatory? I mean, a "fisherman" is someone who carries out fishing duties?
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regulations or practices that apply specifically to banks. I doubt banks use a typical general ledger system. There must be more to it than that. Anyone think this is a good idea?
239:
You shouldn't use profits to measure bank size. Profit is a measure of financial performance. To measure size, you should look to the size of their total assets (i.e. what they own).
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Changed to reflect the
American spelling. I know America isn't the boss of the world but 70% of english speakers are american so I think the american spelling should go here...
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Not much information on the internal workings of a bank: The treasury, finance, payments, accounting, regulatory reporting, relationship to central banks, relevance of IT, ...
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I'm a bit surprised on how scant the information is on Basel II... and the article even refers to fractional reserve banking as if it were somehow still being used...
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I agree. Someone who works at a bank needs to fix this article! Unfortunately, I suspect they're all too busy making money with other people's money... --
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http://video.google.com/videoplay?docid=-9050474362583451279&q=money&total=176378&start=0&num=10&so=0&type=search&plindex=0
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Am I the only one that feels that the language of this article is not very good? I'm talking about writing problems and grammar issues. For example:
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What kind of deposits are those 193 billion in
Citigroup? Isn't it closer to 500 billion? Isn't the whole "Other Current Liabilities" at Yahoo (
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The problem is the data which is available, eg in the last edition of the
Economist (18 May 2006) they used data from the end of 2004
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Remove US history reference. Other articles cover this topic already, including the personalities involved. For example,
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I've done some minor editing, just to clean up the grammar here and there. I just thought I'd post here to say "hi".
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money back. Can anyone elaborate on this? I learned this from the doccumentary "money as debt". It can be seen here:
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Remove topic of public perceptions for lack of a citable neutral source of worldwide public perceptions about banks.
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Neutrality: "In response to the perceived greed and socially-irresponsible all-for-the-profit attitude of banks,..."
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suggests that
Barclays is ranked first by total assets ($ 1590 billion) - can anyone explain the discrepancy?
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the economist rankings are year old in regards to the wrolds biggest banks, the new list for 2006 is here
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There are some other examples; maybe a native speaker with good writing skills should edit this article.
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Incidentally what do people think about taking the US info off here into a new article in the format of
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Neutrality: "Currently, many people consider that various banking policies take advantage of customers"
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Knowledge policy is to maintain differences in spelling as they are written therefore I have reverted.
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It is a very complex subject area but if anyone knows how it works it would be good to know.
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How about "...that provide financial services for profit"? Wouldn't that make more sense? --
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I've rearranged the article a bit, so that it's a bit more themed and easier to digest.
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behind the word "bank". I don't think it's "stale vandalism". Any thoughts on this? --
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Add factual description of cooperative banks under the subtopic "Other types of banks"
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understand the difference between a depository institution and a central bank. Yikes.
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Add factual description of credit unions under the subtopic "Other types of banks"
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Add factual description of ethical banks under the subtopic "Other types of banks"
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have time to straighten this article out as I am out making money off your funds.
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The rankings are old and not very accurate. A recent merger in Japan should make
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If you wish to start a new discussion or revive an old one, please do so on the
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Add factual description of microcredit under the subtopic "Other types of banks"
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The section on public perceptions of banks discusses only negative perceptions:
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http://www.economist.com/markets/indicators/displaystory.cfm?story_id=7141354
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i do not find information on Treasury income or other types of bank incomes
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Regions' assets of US$ 138bn.We also can change other money in other country
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The ranking of banks gives profits, but what currency are the numbers in?
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is it used anywhere else? It used to be an offical type of bank in NZ.
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re: the above--- From the New Oxford American Dictionary, 2nd Edition:
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should be name of the subject. The two articles should be merged.
540:"derived from German language" - this doesn't sound right either.
379:. If you want to support the article, you can vote for it there.--
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Also there is a new bank in the top 10 now in most categories:
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156:) so regions is now in the top 10 and needs to be revised.
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For a sample use of this template refer to the articles
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I agree. Make the change. You don't need permission. //
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http://www.amsouth.com/special/news_release20060525.asp
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dont feel like updating, maybe ill do it tomorow...
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262:). Their 2003 10-K say "Total deposits 474,015" (
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