Finance, Forex and Investments
Commercial Banks Knowledge Base
Besides most commercial banks where can I go to exchange foreign currency? Besides most commercial banks where can I go to exchange foreign currency? I traveled to Niagara Falls, Canada in 2005. On the way out of the country I had an impaitent bus driver who would not allow me to stop off at the Duty Free shop to exchange the currency. So I came home with just under $20 in Canadian Currency. I've held onto this money since last year. Every commercial bank I've called require you to be a customer. My credit union doesn't accept foreign currency for deposits. So I feel like I'm stuck with this money I can't use. If I knew someone going to Canada perhaps I could offer to "sell" it to them but in lieu of that I don't what to do with this money.
What is the Labour government doing to British commercial banks,what happened if the banking system collapsed? The Bank of England is at odds with the Treasury over the future of commercial banks.The FSA wants bank to write living will. PM Brown wants banks to withhold their bonuses and use that money to lend it the citizens.
Why does the Federal Reserve require commercial banks to have reserves? Explain why reserves are an asset to? Why does the Federal Reserve require commercial banks to have reserves? Explain why reserves are an asset to commercial banks but a liability to the Federal Reserve Banks. What are excess reserves? How do you calculate the amount of excess reserves held by a bank? What is the significance of excess reserves?
What money commercial banks use to invest? How can commercial banks invest in equity? I mean what money do they use to buy commodities or, in particular, government bonds? Is it excess reserve money at the Fed or what? Could you explain the whole idea in detail?
Will a massive move for taking out money from commercial banks be harmful to the economy? Let's say that millions of people take out billions of dollars out of commercial banks and put them in credit unions, or but safer investments... What would happen to the economy and those commercial banks in general?
What is the situation between Credit Unions and Commercial Banks? In my Principles of Banking and Finance class , my professor wants us to write about the situation and issues going on. I have googled and used yahoo search but cannot find anything that seems relevant. Any ideas on what he is talking about? It is an online class so I can tell you that his question is stated exactly like this: "In this country we have situation between Credit Unions and commercial banks. What is going on? What are the issues? You may have to do a little Web research to answer this question." Please let me know of any ideas you may have. Thank You.
Are interest rates adjusted by the central bank the same as that of commercial banks? When central banks (like the Fed) adjust interest rates, are these the same rates used by Commercial Banks? Do Commercial Banks give the same interest rates as the Central Bank?
Is financing obtained from commercial banks better than the one obtained from the government? As a fund manager of a small and medium sized company, i am considering to get extra financing but i don't know which is better. Does commercial banks offer better package, as in lower interest rates than those offered by the government schemes?
What services does the Fed provide to commercial banks? What services does the Fed provide to commercial banks? I really need help with this question please!
What are disadvantages of commercial banks acquiring non-financial businesses? In my opinion, this would cause a reduction of economic competition from newly formed monopolies and inefficiencies related with the new conglomerate firm. What do you think? And what specifically about non-financial businesses merging with commercial banks do you think would be bad?
is the difference between commercial banks and investment banks getting less? the difference between commercial banks and investment banks is getting less i want detail about it how is it happening .
When the interest rates increase, what effect does it have on commercial banks? Do commercial banks make more profit? What is the effect on interest rates on commercial banks?
what is the difference between financing a car through commercial banks or credit union? what is the difference between financing a car through commercial banks or credit union? I am planing to buy a new car but i will like to know the differences of financing via banks or credit union, and also what is dealership finance compare to bank finance.
What are the major risks faced by commercial banks? I can only think of three, regulatory, currency and fraud? are there any other risks faced by commercial banks?
What is the 'relationship' between central banks and commercial banks? What do they deal with commercial banks and how do they deal it?
What are investment banks' opinions on government's interference with Commercial banks' investment activities? Does anyone work in the industry? What are some of the investment banks' general opinions on government's interference/regulations with Commercial banks' investment activities?
how does the reserve bank of australia directly influence interest rates of commercial banks? they call it the cash rate, or the rate which banks charge each other, would I be wrong to assume, that the RBA ensures liquidity in the financial system, by lending cash to commercial banks, that they can use to meet reserve requirements or fund withdrawals, that the RBA in fact creates out of nothing via the printing press?
How Are Commercial Banks Exploiting Us And Our Needs ? What are the negative impacts of commercial banks in our society? How commercial banks socially exploiting our needs?
Is the interest rate that the Federal reserve uses.. what commercial banks have to pay to the reserve? Does the federal reserve charge commercial banks the current rate, which they (commercial banks) have to pay to loan out money at whatever their rate would be to consumers?
Should Central banks require commercial banks to report to them on a monthly basis on non-performing loans? During periods of economic and financial slow downs, in Malaysia in 1980's, our country's central bank, known as Bank Negara Malaysia, requires commercial banks to compiled a report on non-performing loans for three months and more, so that it can formulate monetary and fisical policies to assist and advise banks on their loans problems.
Comparison of services of two local commercial banks for thesis. Will the thesis give an impression of bias? When comparing services provided by two local commercial banks for a thesis and the thesis invariably projects bias by the title itself. Can anyone justify the issue?
42. Commercial bank reserves, most of which are held by the Federal Reserve Banks, are:? 42. Commercial bank reserves, most of which are held by the Federal Reserve Banks, are: A. A liability of the Federal Reserve Banks and commercial banks B. An asset of the Federal Reserve Banks and commercial banks C. A liability of the Federal Reserve Banks and an asset for commercial banks D. An asset of the Federal Reserve Banks and a liability for commercial banks
Why have Investment banks suffered due to subprime crisis? I expected only commercial banks would.? Commercial banks would lend money to borrowers and when these borrowers coudnt return money, these c banks closed but then why have investment banks suffered so much?
Assuming the reserve requirement is 20 percent and commercial banks have no excess reserves initially, the com? Assuming the reserve requirement is 20 percent and commercial banks have no excess reserves initially, the commercial banking system could increase the money supply by a maximum of $1,000,000 if the Federal Reserve Banks would a) buy $250,000 of securities from commercial banks. b) sell $1,000,000 of securities to commercial banks. c) buy $1,000,000 of securities from commercial banks. d) buy $200,000 of securities from commercial banks. e) sell $200,000 of securities to commercial banks.
Do u think commercial banks should be permitted to produce their own currency in competition with Bank Negara? In Malaysia, the government through Bank Negara Malaysia (BNM) is the only bank that is permitted to create and issue the currency. Do you think the commercial banks (i.e. Bumiputra Commerce, Maybank, etc) should be permitted to issue their own private bank notes in competition with Bank Negara?
Why is the commercial banking system distinct from investment banks and savings banks? The commercial bank.... a) lends the savings to public borrowers b) creates money c) pays interest on savings account d) is subject to some government regulation
why do companies now merging with oil, automobiles, telecommunications, electric power, and commercial banks? In particular, how might these reasons apply to companies now merging in the following industries: oil, automobiles, telecommunications, electric power, and commercial banks?
Is it true that, traditionally, when interest rates are low Commercial Banks can make more money?!? Is it true that, traditionally, when interest rates are low Commercial Banks can make more money?! How so?
Assume there is no leakage from the banking system and that all commercial banks are loaned up. The required r? Assume there is no leakage from the banking system and that all commercial banks are loaned up. The required reserve ratio is 10%. If the Fed buys $10 million worth of government securities from the public, the change in money supply will be (a) $10 million (b) $1 million (c) $110 million (d) 100 million
Economics-If the Fed purchases government securities from commercial banks? If the Fed purchases government securities from commercial banks, the reserves of the banking system will immediately?? a)increase by the amount of the purchase. b)increase by more than the amount of the purchase. c)remain constant. d)decrease by the amount of the purchase. e)decrease by more than the amount of the purchase.
Why are commercial banks buying out or merging with Investment banks now? ? I mean I hear about all the financial crises going on but I'm not understanding it totally. I believe some of these investment firms are going belly up due to some bad debt resulting from mortgage payments or people who were not able to pay their part? I thought most of these mortgage payments from commercial or resident loans for home or business were taken from banks and not the investment banks? Why are the commercial banks in the position to purchase these companies? How will it benefit them? Please do explain if you can. Thank you!
A public authority that provides banking services to commercial banks and regulates? financial institutions and markets is called a A) commercial bank. B) thrift institution. C) central bank. D) money market fund. E) mint.
T accounts for Fed Reserve Board and commercial banks? How would the T accounts change for the Federal Reserve Board and for commercial banks if the Federal Reserve Board buys $50 million in bonds, if people choose to hold $5 million more in cash than they did before?
Are you for the increase of required reserves for commercial banks? My Econ teacher told us that by the time I graduate college (2015) the reserve requirement will be .12 rather than .10, do you believe that's going to happen? Why would banks increase it anyway, would that just be a precautionary mechanism? But from what we've learned of monetary policy doesn't increasing RR lead to a decrease of excess reserves which will increase the interest rate, decrease gross private investment, thus lowering RGDP? Thanks in advance.
Outline the contribution of commercial banks in developing small and medium enterprises? The government of Tanzania has decided to develop small and medium enterprises, Commercial banks are one of the major pillars in engineering this endeavor. What should be done for the commercial banks to develop small and medium enterprises?
when commercial banks use excess reserves to buy government securities from the public? A. new money is created B. commercial bank reserves increase C. the money supply falls D. checkable deposits decline
Commercial banks borrowing from Federal Reserve? I have a question on my macroeconomics homework that for some reason is confusing me. Commercial bank borrowing from the Federal Reserve... a) is not permitted because of the Federal Reserve Act b) is permitted but only for banks that are bankrupt. c) decreases the excess reserves of commercial banks and their ability to offer credit d) increases the excess reserves of commercial banks and their ability to offer credit It's C isn't it? Since the loans made from the Federal Reserve would be considered a liability to the commercial bank?
Commercial Banks are now paying about one percent or less on Savings Accounts. That is the lowest payout rate? that I can ever remember in my lifetime. This really hurts seniors who rely on interest for some of their income. Isn't this a kind of gouging by the big banks? I realize that interest rates are low right now but you still have to pay about 7 or 8 percent for a home loan depending upon your credit worthiness. Isn't the spread between what interest the Banks payout and what interest they take in ridiculously large? Aren't the big Banks taking advantage of the situation?
When income per capita is low in a country, what effect does it have on commercial banks? does it mean that people have less money to save, so banks have less reserves and then can only lend less? meaning less profit?
Private Banks, Commercial Banks, Investment Banks - What are they?? Private Banking, Commercial Banking, Investment Banking Those are the types of banks. Can you briefly tell me how they are diffrent from each other and each one's key audience(main customers) and key market?
Whats the difference between commercial banks and thrift institutions? Im in a macroeconomics class and this is a difficult concept for me. Can anyone explain this?
The FED loans money to the commercial banks at a certain interest rate (2%). Where does this money go? Is each one of the 12 banks a private bank? Are there any stockholders or owners? I realize that I can't buy their stocks but I did read on one of their websites something about stockholders, so I am trying to figure out how the system works. I see that these banks have Directors and Officers, but who actually owns them?
When in the past has liquidity been important for commercial banks? ...and how in the past have banks increased their liquidity...some real world examples would be good please. Thanks
The reason that commercial banks have the ability to create money is because of...? The reason that commercial banks have the ability to create money is because of A. the margin requirement. B. the private ownership of commercial banks. C. the Federal Reserve System. D. the fractional reserve system. E. the fact that commercial banks charge interest on loans.
Are commercial banks required to use the Federal Reserve System to handle bank to bank transactions for them? Bleh, help! Any type of help would be greatly appreciated.
Why does Th Bank of Tanzania want deposits from the commercial banks. Is there a shortage of cash in the BOT? Globalization has failed. Sir When I read the books on “The Death of Economics: Books: by Paul Ormerod ... all the ego driven, engineering models, that bore people to death of economics. ... Death of Economics , Shopped: The Shocking Power of British Supermarkets: by Joanna Blythman ... 'Shopped' takes the reader on a lively, thought ... Shopped, the super pier of the supermarkets , The World is Flat Thomas L. Friedman Chances are good that Bhavya in Bangalore will read your next x-ray, or as Thomas Friedman learned first hand, "Grandma Betty in The imaginative and, above all, practical vision for a successful and equitable world, Nobel Prize winner Joseph E. Stiglitz’s Making Globalization Work , I see all the controversies diluted . Let me elaborate. The authors have written these books having the rich countries in mind. They do understand that the poor countries do not count as the super power makes the coins roll. Hence they have always harped on the poor countries as the third grade states and never giving any remedies to these countries. The result is now in Tanzania where this letter comes from, The central, Bank Of Tanzania, wants to Commercial banks to deposits of one trillion into the BoT In other term the central bank has no liquidity and begs the commercial bank. This is reported in the local papers CITIZEN ISSN 0856-9754 no 908 A local paper managed by the Nation Media of Kenya. I thank you Firozali A.Mulla MBA PhD P.O.Box 6044 Dar-Es-salaam Tanzania East Africa
The tools of monetary policy for altering the reserves of commercial banks are the? 1 ) The tools of monetary policy for altering the reserves of commercial banks are the: (5pts) Tax rate and level of government spending Consumer price index and unemployment rate Public debt, budget surplus, and budget deficit Discount rate, reserve ratio, and open-market operations 2 ) If Federal Reserve officials attempt to pull the economy out of a recession when the price level is relatively stable, the policies they would most likely use would be to: (5pts) Buy government securities and increase the discount rate Sell government securities and decrease the discount rate Buy government securities and decrease the discount rate Sell government securities and increase the discount rate 3 ) The economy is experiencing a low rate of economic growth and the Fed decides to pursue an expansionary money policy. Which set of actions by the Fed would be most consistent with this policy? Selling government securities and lowering the discount rate Selling government securities and raising the discount rate Buying government securities and raising the discount rate Buying government securities and lowering the discount rate
What effect does inflation have on commercial banks? Does the bank lose? what happens to lending? what happens to bank profits?
What is the best type of bank when it comes to time deposit? Rural banks or commercial banks? I'm sorry I forgot to mention that I'm from the Philippines.
commercial banks that gives loans for college? does anyone know any trusted commercial bank that gives private loans for international student to pay for college ? in England ?? please help !
What is the federal funds rate and who sets it? a. It is the interest rate charged to commercial banks on? What is the federal funds rate and who sets it? a. It is the interest rate charged to commercial banks on loans from Federal Reserve Banks, The Federal Reserve sets this rate. b. It is the interest rate charged to consumers on loans from the Federal Reserve Banks, The commercial banks set this rate. c. It is the interest rate charged between Federal Reserve Banks for short- term loans. The Federal Reserve sets this rate. d. It is the interest rate charged between commercial banks or (Financial Institutions) for short-term loans. The Federal Reserve can influence this rate.
To what extent would you criticise the commercial banks in the UK in the financing of UK industry? Does anyone have any suggestions or places I can look to help me with this statement
contrast commercial banks, credit unions and investment companies. what different services do they offer ? wha? contrast commercial banks, credit unions and investment companies. what different services do they offer ? what makes each unique?
Do you know a source explaining investment banks and commercial banks? I am writing a paper about the two, and though I understand the difference, I need a CREDIBLE source. Thanks!
what happens if the Fed did not grant industry protection to commercial banks? what happens to the availability of credit in economy? how does this affect interest rate?
When the economy is in a recession, and the Fed buys bonds from commercial banks? On AD/SRAS/LRAS graph, how can I show the effect of that policy on the price level and GDP in the long run? also, how will those changes in price level and GDP affect US trade balance?
Why does the Federal Reserve require commercial banks to have reserves? Explain why reserves are an asset to? Why does the Federal Reserve require commercial banks to have reserves? Explain why reserves are an asset to commercial banks but a liability to the Federal Reserve Banks. What are excess reserves? How do you calculate the amount of excess reserves held by a bank? What is the significance of excess reserves?
What are the different job positions in commercial banks? I am about to do a BBA in Finance....and was thinking of maybe the bank for employment. I would like for you guys to list as many job positions in the bank as possible. Thank you!! :-)
What are the roles of commercial banks in financing small scale businesses in Nigeria? What are the roles of commercial banks in financing small scale industries towards the development of Nigeria economy?
What percentage of America's mortgage debt is currently held by savings & loans versus commercial banks? There was a savings & loan scandal in 1989. Since then I imagine that their portion of the total of American's mortgage loans has declined. Concomitantly have commercial banks increased their share of the total mortgage debt in America?
MacroEconomics: Commercial banks in the United States create money by? Commercial banks in the United States create money by: A. Converting checking accounts to saving accounts B. Printing new currency C. Issuing loans D. Replacing worn-out currency E. Selling bonds
What benefits do note-issuing banks (commercial ones, not Central Bank) get ? In some countries banknote-issuing banks are responsible for putting aside foreign currency (used to be gold, now it's more like to be US dollar, Euro, Japanese Yen) with the central of banks of their respective countries as deposits when they issue money. As these banks are not creating money by issuing banknotes, can anyone please tell me what benefits do these banknotes-issuing banks get, apart from the publicity they get by having their names printed on the banknotes and that they are being trusted by the local governments ?
The role of commercial banks in micro finance with special reference to India? statistical data from all sources relating to the role of commercial banks in micro finance in india for ph d thesis
The intereset rate at which the Federal Reserve Banks lend to commercial banks, is called? a. short-term rate. b. federal funds rate (this one?) c. prime rate d. dicount rate.
After the Great Depression,commercial banks were barred from operating in the stock markets? Why was this done? This is a question for my macro-economics course. I need help!
The reserves of commercial banks must be held against what? The reserves of commercial banks must be held against what
What is the name of the facility that Fed can use to lend money to commercial banks? a. TAF b. Discount window c. Open market operations d. Fed fund rate
Why do commercial banks sometimes increase their standard mortgage rates by more than the increase in the RBA? Why do commercial banks sometimes increase their standard mortgage rates by more than the increase in the RBA's target cash rate. In other words, why do banks set their interest rates higher than the RBA.
What are extended commercial banks? does anyone of you know what extended commercial bank is... Thank you so much in advance..
Why do commercial banks have little interest in helping the poor to build successful businesses in both develo Why do commercial banks have little interest in helping the poor to build successful businesses in both developing and developed countries?
what is the differance between commercial & savings/loan banks? Please provide the names of these banks in Los Angelos area I am aware of Wamu,Wells,B/A,Citi, and what is the differance for services to working people or people on a fixed income. Thank you
Do the creativity of services is a influence factor of a profitability in a banking sector(Commercial Banks)? Is there any relationship between Service creativity & Profitability in a commercial bank? How do the creativity for services in a bank identified as following situations: 1. Creativity as boundary breaking in a bank 2. Creativity as innovative in bank 3. Creativity as boundary pushing ina bank How to Analyze above results by using different models or statisticaly? How to devide banking sector to fullfill above requirements? Above details mentioned about my dissertation topic. I am final year student of University of Colombo. Please help meto collect data According to above topics.
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