Banking as a field of study is connected to the concepts of finance, credit, and crisis management systems.
Students frequently write essays about the latest trends in fintech. For example, they could discuss the influence of data science on the banking sector. Another common essay topic is recent banking reforms and service policies. Finally, there is the option to examine the banking system as an element of the international economy.
Below is a helpful collection of free essay samples on banking. A+ students have shared these works to help you overcome your writing crisis.
Introduction This report provides information on the financial services sectors in the UK and the US focusing on banking. The financial services field contributed to 8.59% of the total UK economic output. The sector is concentrated in London, where 50% of the sector’s output was derived (Ozili, 2020). According to...
Lehman Brothers was among the leading financial institutions in the United States before it collapsed. Although the organization survived various challenges for more than a century, it was unable to withstand the difficulties caused by the credit crisis of 2008. According to Wiggins et al. (2019), the financial organization filed...
Why was the Federal Reserve created? There were chains of bank failures in 1907. Congress felt that the nation required a government institution mainly to supervise the banking system and to police the quantum of monetary supply in the financial system. Hence, Fed was established in the year 1914. What...
Are credit cards or debit cards money? Credit cards and debit cards are not considered as a form of money. Money is defined as a medium of exchange, which represents an asset given in place of goods and services between two or more parties. Money is regarded as an asset...
Introduction The Federal Reserve is an important financial institution in America. Most commercial banks in the country are subject to its control. Even though the main objectives of the institution are stabilizing prices, maximizing employment, and regulating interest rates, the Federal Reserve has recently acquired new duties, including supervising and...
The quality of customer service and the satisfaction of the latter play a big role in the success of the banking system. A study of banks A, B, and C showed that all three are actively working on integrating the paths provided by artificial intelligence for their advancement and also...
Executive Summary In 2007, Northern Rock, a bank in the United Kingdom crashed. The reason behind northern bank crash was their reliance in securitisation. The steep interest rates in the United States made it hard for most homeowner to pay their mortgage loans. The problem of mortgage payment in the...
Observing the flow of financial news, an investor may notice that special attention is paid to information on interest rates of the central banks of various states and the US Federal Reserve. Without exception, all markets react not only to rate changes but also to expectations of its increase or...
The stability of the financial system of a modern country heavily depends on the proper functioning of the banking system. Banks are often referred to as “financial intermediaries” as they lend money to companies, individuals, and sometimes governmental agencies (Kling, 2013, para. 7). Some of the major functions of banks...
Since 2009, Chase had been issuing Chase Sapphire Preferred credit cards, but in 2016 it launched a new card, the Chase Sapphire Reserve. This indicates that the Sapphire Reserve would be a means of payment and loan extension. However, as the firm later realized, this novel card’s popularity was the...
Over the years, the popularity of checking accounts and credit cards has increased significantly due to the associated advantages. The two provide numerous beneficial conveniences to consumers, including facilitating easy payment of bills, accessing finances across multiple platforms, and allowing an unlimited number of transactions. For instance, a checking account...
Overall, banks do not have universal guidelines on what makes potential borrowers creditworthy. Instead, they are led by general principles, which are commonly referred to as the 5C’s. These include capacity, character, capital, conditions, and collateral. These 5C’s are often used by lenders to evaluate the borrowers’ creditworthiness and capability...
In their daily operations, financial institutions need to navigate risky environments. Companies and governmental agencies initiate measures as a part of efforts to mitigate various risks. For instance, financial institutions are required to adopt the Equator Principles (EPs) to help in the management of social and environmental risks during project...
Introduction Islamic banking developed in the United Arab Emirates (UAE) after the formulation of laws that govern Islamic banking. In 1985, articles 1, 2 and 3 of the laws were established to control Islamic banks as well as other fiscal institutions operating in UAE. The laws are formulated in accordance...
Introduction The concept of Islamic banking originated from the Arabs in ancient times as they engaged in their trading activities. It later came to be adopted by the Muslims as an acceptable form of financing their trade. Its commercial application began in 1970 (Akram, Rafique & Alam, 2011, p. 125)....
During the past few decades, bank terms has become so famous and secure. For the safety and security of money people usually visit banks. Owning a loan has also become so easy by banks. Most of the UK banks offer heavy loans on flexible terms and conditions. Interest mark up...
Introduction The value of currencies is determined by the market fundamentals of demand and supply (Mahr, 2008). Otherwise, the value of the dollar will drop. This paper assesses the exchange rate trends between the British Pound, the U.S. dollar and the Euro. The analysis will examine the factors behind the...
Introduction Banks play a vital role in setting the agenda for sustainable environmental and social development. Their investments in the mining industry and other sectors connected to climate change are under constant scrutiny. The institutions they choose to finance will determine the severity of negative consequences associated with the earth’s...
Siti Rochmah Ika and Norhayati Abdullah conducted a study of performance comparing Islamic banks and conventional banks in Indonesia. Their study which is titled “a Comparative Study of Financial Performance of Islamic Banks and Conventional Banks in Indonesia” was printed in the international journal of business and social studies in...
Company profile Union National Bank is one of the leading banks in the United Arab Emirates. It is a locally based bank headquartered in Abu Dhabi. The chairman of the board of directors of the bank is H.H. Sheikh Nahayan Mabarak Al Nahayan. He is the Minister of Education and...
The Saudi Arabian Agency (SAMA) which was established in 1952 was assigned a duty, responsibility, or obligation to chiefly follow written contract or certificate of insurance which would reasonably fluctuate the value of the Riyal. Over the past three decades, the duties and powers of SAMA have gradually increased. In...
Introduction Northern Rock is British Bank wholly owned by the British Government. The bank is located in New Castle, UK. , and was formerly identified as the Northern Rock Building Society. Creation of the society was in 1997 after being listed on the London Stock Exchange. The Northern Rock society...
Introduction The main intention of this report is to find out data regarding the Commercial Bank of Ceylon Plc. These data are obtained from both primary as well as secondary means. The analysis data includes Qualitative Analysis, Quantitative Analysis, and Content Analysis. Main text The analysis includes interviews done based...
KSA Financial Market Introduction Essayyad and Madani argued that the financial market of KSA has evidenced massive change by two intergovernmental expansions that would influence competition in the Saudi capital market as well as the banking sector. The first one is the government’s decision to uphold the unified financial market...
A customer is the most important thing that a business can have. Customers are the ones who determine the destiny of the business as well as the success of the business. A customer-sensitive business makes deliberate measures to ensure that their customers’ needs are met. Best practice model of business...
Introduction Canada is one of the richest the second largest countries in the world, situated in the North America. It has a population of 32.5 million. The capital of Canada is Ottawa. It has a dynamic nature of business environment. After the great depression, it has recovered its productivity quickly...
Definition International Corporate Finance also known as investment banking is a branch of finance that is concerned with financial activities and decisions that international business organizations or multinational corporations make regarding budgeting and spending of money. It also deals with the tools these firms use to make and spend funds...
Introduction: Mobile banking services This is a kind of banking service that is done through the mobile phone. The mobile phone here is used in performing the services that would have otherwise been performed by a bank. These services are such as; payments transactions of the account and as well...
The Banking industry is one of the most growing service sectors in the world. The concept of banking was not as similar as now it is. From the very beginning, the banking sector has been enlightened with various types of innovations. There are lots of new dimensions, which added some...
Introduction The rise of the central banking system in the United States of American is one of the most significant economic developments; this is the Federal Reserve System. The bank has a most significant influence on the nation’s financial direction since its main purpose is to ensure the stability of...
All business firms are conscious of the requirements of the customers and they always consider meeting the customers’ requirements. Then only they can make maximum earnings from their business. The marketing manager aims to identify the current trends in sales in the field of marketing by analyzing the current market...
Introduction The recent economic recession has caused a lot of financial damage to every sector of our society making it very important for us to review each and every aspect of our society so that its major causes can be identified and rectified in order to prevent any future recessions....
Introduction The current global financial crisis has affected the lending and performance of businesses in various ways. Banking institutions have been affected in varying degrees; depending on their lending policies and also on their future strategies. The financial crisis has hit the financial institutions in three areas which include dollar...
Introduction A bank is an institution – whose debts are commonly accepted in the final settlement of others people’s debts. (R. S. Sayers) Nowadays, the banking business has created a great revolution in the world economy. Every country’s banking business creates a great impact on the economy. Here we have...
Introduction This essay aims to discuss the functions of a central bank and takes the example of the Federal Reserve of the US as a central bank, and attempts to outline how it tried to solve the macro-economic problems arising out of the credit crunch and to what extent it...
Introduction The marketing concepts are the concepts that are made by the management of the organizations to ensure that the good marketing decisions are undertaken. The factors that should be taken into consideration when choosing the best marketing concept for an organization are: the consumers’ wants, the company’s requirements and...
Difference between the Official Cash Rate and the Market Rate of Interest The official cash rate is the rate that financial institutions charge one another for overnight lending (loans) within the Australian banking system. Changes in official cash rate results in changes in other rates including the market rate of...
Introduction Money is integral to the successful and efficient operation of a market economy. It facilitates different business undertakings by providing a standard medium of exchange. Governments make use of monetary systems to manage the money supply in their countries. The present system makes use of a central bank, which...
The Peoples Bank of China has carried out the role of a central bank for the past several decades as well as operating credit, savings, commercial and industrial business. But since 1979 China has embraced significant reforms in its financial markets that have propelled its opening to the global market....
Introduction The purpose of this study is to do research on the way property prices have moved in the UK over the last few yrs. The study makes an attempt to bring to light all the factors that are predominantly responsible for the fluctuation in house prices over the last...
Do Customer Loyalty Programs have an impact on customer retention in banks? Banks are increasingly revealing their growing interest in customer loyalty programs in an attempt to enhance their relationships with customers. For a long time, banks have relied on customer loyalty programs in a bid to retain their existing...
The global financial crisis evident from the year 2007 led to the collapse or near-collapse of numerous business entities worldwide. Despite the fact that a sizeable number of the deeply affected institutions were non financial institutions, it is the banks and other non banking financial institutions which were most affected...
Abstract Technological development has become common over the last couple of years, making businesses change the way they operate. The banking business has also changed from the traditional banking system to the online banking system. This paper differentiates the two banking systems by giving the benefits and problems associated with...
Background Information The World Bank previously known as the international bank for reconstruction and development was founded at Bretton Woods. The bank was formed primarily to provide long-term financial assistance to countries affected by the Second World War and push for economic and reconstruction agenda in those countries. Initially, the...
As far as the financial positioning of Abu Dhabi Islamic Bank is concerned, the profitability of the bank has grown on a consistent basis during the past three financial years. Similarly, other financial performance indicators, such as solvency and liquidity position of the bank, have also been satisfactory in the...
Introduction Modern politics calls for states to enter into certain agreements in order to succeed in achieving the national interests, even though their objectives might be different. The increase in the number of international organizations can be explained from two different perspectives, one being a realist perspective while the second...
Introduction The Reserve Bank of Australia from time to time raises and lowers interest rates depending on the prevailing economic conditions. The Reserve Bank of Australia lowers interest rates to encourage credit flow when there is enough evidence of a credit crunch (Baumgarten 2012, p. 98). Reserve banks take such...
Problem Statement The transformation from a conventional bank to an Islamic bank poses numerous problems that need to be overcome for the transformation to succeed. Many of these complications lie in retraining the existing personnel and hiring additional cadres in order to complete the system, as the structure and modus...
Introduction Before the Second World War, banks experienced a stable interest rate environment (Sharifi, Saeidi & Saeidi, 2014). However, post-war, global market events led to the volatile interest rates courtesy of changes in the character of bank liabilities. The latest historically low-interest-rate environment and unfavorable economic circumstances have posed profound...
Takaful Insurance and its difference from conventional insurance Insurance is a cover against loss of insurable interest and hence a need for individuals and businesses to safeguard themselves by mitigating risks and losses so that catastrophic events have a lesser impact on the life of individuals and their wealth. Financial...
Introduction Since the culmination of the financial crisis, the banking system in the globe has witnessed heightened interest rate risk (IRR). The IRR is currently almost reaching the pre-recession levels, thereby calling for the integration of relevant measures that can alleviate the situation. The issue mainly affects small banks compared...
What steps can banks take to retain their major urban customers? Banks can provide Internet banking facilities by sharing data centres with other banks and get into consortium arrangements with other banks. Net banking is the process of conducting banking transactions over the internet by viewing bank statements and the...
For this study, Abu Dhabi Islamic Bank has been chosen for analysis. Supply, Demand, and Elasticity Main Products &general characteristics of Abu Dhabi Islamic Bank Abu Dhabi Islamic Bank (ADIB) carries out its operations in the National commercial bank’s sector. The bank is headquartered in the United Arab Emirates. The...
Abstract The purpose of this study is to provide organizational managers insight on the fundamental aspects that they should take into account in promoting the rate of employee retention and commitment. The study adopts the case study approach by evaluating the opinion of Bahrain Bank Employees on the factors that...
Introduction A service is any activity or benefit that one party offers another that is essentially intangible and does not result in ownership of anything (Gilmore 2003, p. 181). It is evident that Barclays bank relies on service provision in their activities and use money as the product during intermediary...
Introduction Many organizations understand that they need to embrace change to remain competitive (Cummings & Worley, 2008). Change management has emerged from this development and it involves processes undertaken by an organization to improve the success of adopting new systems or procedures (Hammoud, Bizri, & El Baba, 2018). The Islamic...
Profile of Commercial Bank of Dubai The Commercial Bank of Dubai (CBI) started in 1969 following an Emiri Decree issued by Shiekh Rashid Bin Al Maktoum, who founded modern Dubai. In its first years, the bank started operating as a joint venture of Commercial Bank of Kuwait, Chase Manhattan Bank,...
Introduction The purpose of the report will be to analyse the concept of quality management and how incorporating this concept into organizational activities will lead to an improvement in organizational performance. Quality management deals with the functions and operations performed by people in managerial positions within an organization. These functions...
Internal Analysis (Traditional and Holistic Approach) The Resource-Based View and value chain analyses are used to understand the internal analysis of Bank of America. Resources These resources include both tangible and intangible ones. Bank of America has a broad global network that it leverages to deliver its services. As such,...
Introduction Several financial institutions including commercial banks, investment banks, insurance companies, lending institutions among others, characterize the Islamic world. Although Islamic financial institutions had earlier provided similar products and services like those offered by conventional banks in western countries and other regions, currently, Islamic banks and other monetary institutions are...
Introduction Founded in 1870, Deutsche Bank has a long history of failure and success throughout meeting its paramount goal of connecting Germany and the rest of the world in the context of financial operations. The crisis of 2008, a striking event that affected all banks, led to the collapse of...
Abstract Sharjah Islamic Bank is one of the prominent financial institutions operating in the U.A.E. banking industry. The bank started as a conventional bank and later converted into an Islamic bank. The bank has a long history of great strategy and success. The financial analysis performed in this report includes...
Introduction The last few decades have been characterized by heated debates and scholarly questions that seek to find answers concerning the persistent predicament witnessed in the financial sector and more so the prevailing conventional banking frameworks. The inquiries not only seek explanations about the root of the crises but also...
Abstract Lebanon faces a problem of high customer turnover rates. Many banks in the country are unable to retain their clients. Customer retention has been found to increase the profitability and increase the success rates of new packages. Banks in Lebanon need to implement CRM in their operations so as...
Introduction Modern organizations thrive in environments that are characterized by unending competition. This situation required them to adopt robust management and leadership styles that are aimed at realizing the accomplishment of goals. Various issues such as leadership and organizational transformation have been noted in the management of the First National...
Introduction According to Lewis and Algaoud, Islamic banking is a financial system anchored on Sharia and related principles (23). In this banking model, profits and losses are shared between the various stakeholders. Accumulation of interests is not allowed. The system appears to operate on the ‘no risk, no gain’ logic....
Introduction Economic hardships witnessed across the world in the last decade have spurred a series of changes in several financial institutions globally (Kota & Kukunuru, 2011). Emanating from the fact that financial institutions have experienced remarkable changes in their practices since the advent of the serious global financial crisis of...
Abstract This essay has two important topics: the role of central banks in stabilizing the economy during a recession and investing during a recession. The first part focused on the possible causes of the Great Depression, the 1990s recession, and the 2008 to 2009 recession also known as the Great...
Abstract Within the UAE as a whole, the financial sector was estimated to have contributed approximately 7.0 percent of real GDP in 2011, according to preliminary estimates published by the National Bureau of Statistics. This finding was way above most of the other financial contributors to the economy of GDP....
Introduction Customer care service refers to “the provision of service to customers by business personnel before, during, and after the purchase of a product or service” (Mittal, Huppertz, and Khare 197). Customers are the businesses most valuable determinants of success. Therefore, businesses have the perception that the quality of customer...
