Essay Bank

Bank Regulation Essay
Bank Regulation Before the advent of the Federal Deposit Insurance Corporation (FDIC) in 1933
and the general conception of government safety nets, the United States banking industry was quite
different than it is today. Depositors assumed substantial default risk and even the slightest changes
in consumer confidence could result in complete turmoil within the banking world. In addition, bank
managers had almost complete discretion over operations. However, today the financial system is
among the most heavily government– regulated sectors of the U.S. economy. This drastic change in
public policy resulted directly from the industry's numerous pre–regulatory failures and major
disruptions that produced severe economic and social...show more content...
Differences in banking regulations across borders permit the most efficient channeling of funds from
lenders to borrowers, leading to increased investment and thus increased GDP. Therefore it is
imperative that policy makers prudently evaluate the possible consequences and benefits of
harmonized banking regulations, as demonstrated by similar regulations instituted domestically,
before any such endeavor is embarked upon. During the 1930s, the most prominent reason for U.S.
banking regulation was to prevent bank panics and more economic disaster like those that had been
experienced during the Great Depression. Later deregulation and financial innovation in
industrialized countries during the 1980s eroded banks monopoly power, thus weakening their
banking systems and seeming to embody the fears of post–Depression policy makers who instituted
regulation in the first place. Fear that individual bank failures could spread across international
borders creates pressure to harmonize bank regulation worldwide. One advocate suggests that
universal banking, at least for industrialized countries with internationally active banks, would "level
the playing field" by eliminating competitive advantages created by government subsidies. Although
this is a valid point, one of the major driving forces behind the globalization of the banking world is
the ability of banks to take
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Financial institutions Introduction Financial institutions are establishments that conduct financial
transactions like investments loans and deposits. Many people all over the world depend on
financial institutions on a regular basis through depositing money and exchange of currencies. This
paper will critically analyze the financial institutions that we have and how they are helpful in day to
day operations Literature review There are different financial institutions today and each performs its
role in the financial system. They are grouped according to the services they offer to consumers. The
financial institutions that have been highlighted here are both banking and non banking institutions,
profit and nonprofit financial institutions which serve the roles of reducing the loss of money which
can be through thefts and accidents since. Loans that people and organizations use to purchase or
expand business operations. They serve as agents to payments inside a nation and between different
countries and act as an intermediary between issuer of securities and the investors Body
Commercial banks do accept deposits and ensure security and convenience to the funds of their
customers. Through this the customers are ensured that their money is safely kept. It is very risky
for individuals to keep large amounts liquid cash at home or in their wallets. Banks take the role of
reducing the loss of money which can be through thefts and accidents since consumers need not to
keep

The Operation Of Bank Operation Essay
Bank's operation is like bloods, which as it facilitates liquidity across the financial system, and
affects wider economy and market in the world. On one hand, a good operation is one of factors of
becoming a successful bank, and let a bank make more profit and get high credit quality. On the
other hand, bad operations for a bank will loss more customers, and increases a bank's cost and
budget. The present paper provides simple model of retail banking operation of 500 millions
dollars. It based on a structure model of bank operation included by some financial accounts
featuring households, corporates, and general bank. The operation volume of bank intermediation
between household and corporates is shown to reflect structural parameters starts with $ 500
million. This operation model will spread three parts of bank, they are processing, quality, and
control. The simple model of operation will provide some parameter to tell how a bank operation
works.
Bank's operation processing is set up assets account and liabilities account. Base on Asset=
Liabilities +Equity. The bank begins $500 million assets, and $500 million liability. In asset
accounts, the bank will provide some basic service in the beginning of operation, there is offering
saving deposit, loan, card, checking account and credit lines (Peter S. and Sylvia C., 2011,6, 9–11).
While the bank sets up the accounts, it should maintain all the accounts, and administer credit.
Further more, the very last part in processing

Essay On Banking Industry
Banking Industry in 2010–11
During 2010–11, banks improved in terms of asset quality and profitability. Stress test showed that
banks remained reasonably resilient to liquidity and interest rate shocks
There were emerging concerns about banking sector stability related to disproportionate growth in
credit to sectors such as real estate, infrastructure, NBFCs and retail segment, persistent
asset–liability mismatches, higher provisioning requirement and reliance on short–term borrowings
to fund asset growth
Presently, the key issues related to the Indian banking sector include: o prospective migration to
Basel III while upgrading the existing risk management practices under Basel II; o transition to
International Financial Reporting...show more content...
It initiated the policy discussions with regard to providing new bank licenses, designing the
road–ahead for the presence of foreign banks and holding company structure for banks
The process of migration to the advanced approaches under the Basel II regulatory framework
continued during 2010–11, while also facilitating the movement towards the Basel III framework
Financial Inclusion continued to occupy centre stage in banking sector policy with the rolling out of
Board–Approved Financial Inclusion Plans by banks during 2010–11 for a time horizon of next
three years
Operations and Performance of Commercial Banks
The consolidated balance sheet of SCBs recorded higher growth in 2010–11 as compared with the
previous year. This was different from what was observed during the last two years and indicated a
revival from the peripheral effects of the global financial turmoil
Deposits registered higher

Bank Essay
Many people don't know what's the best bank for them in the future, so I am writing this to show
what bank will be best for me in the future. I am going to talk about 4 banks that would be good for
me. The 4 banks are 4Front credit union, Charlevoix State bank, Huntington, and 5/3rd bank. 4Front
credit union will be open Monday through Friday 9:00A.M.–5:00. They are open on Saturday from
9:00A.M. to 1:00P.M. Some of the locations for 4Front are East Jordan, Boyne City, Petoskey, and
Charlevoix. The next bank's hours that I'm talking about is Charlevoix State bank. The Charlevoix
State bank will be open Monday through Thursday 9:00A.M, to 4:00P.M. Friday they are open at
9:00A.M. to 6:00P.M. Saturday they open at 9:00A.M. and close at noon....show more content...
The NCUA covers up to $250,000. 4Front can give you loans. You can get pre–approvals before you
go shopping for what you want. There's no early payoff penalties. Theres the ability to have online
banking. All you need to have it sign up for online banking is the last 4 digits of your social security
and your date of birth.
Secondly bank I am talking about is Charlevoix State bank. The minimum balance for the savings
account is $50. There's no monthly service fee. The opening deposit is $50. You are always going
to need $50 in the savings account so it's a little harder to open an account in their bank. There's a
3 month early closing fee of $10. You can only have 6 pre–authorized transfers or withdrawals per
month, but if you use the ATM or go inside to talk to a person you have unlimited transfers and
withdrawals. The checking account has no minimum balance. There is no monthly service fee.
The opening deposit is $50 dollars, but you only need to have $5 in the checking account. You
can write as many checks as you want and you will not get feed for writing them. There's a free
ATM and Debit card. If there is no account activity for a year a monthly dormant account fee of $5
will be assessed. There are mortgage loans, consumer loans, and commercial loans just to name a
few. There's free online banking, and telephone banking. The FDIC insures $250,000 for each
account.
The third bank I am going to talk about is Huntington. The

Ethics in Banking Essay
Banking ethics are the moral or ethical principles that certain banks choose to abide by. There is not
a universal code of ethical conduct, but the banks that vaunt their ethical credentials evaluate the
ethical standing of potential investors and partners. Also, these banks choose the companies that
they in turn invest in with their ethical policy in mind. The number of ethical questions that the
banking industry faces are many and multifaceted. Full service relationships with customers are a
thing of the past while profitability, and its byproduct corporate greed, has become the main goal.
Banking ethics and profitability are not mutually exclusive, but being an ethical bank does sometimes
mean that they maintain their moral rigor...show more content...
Can we blame the retail branch employees or even the retail banking industry? This change in
mentality is just merely an adaptation necessary for survival, which can be explained as "survival of
the fittest". In order to survive banks have been required to change from traditional money handlers
to aggressive sales oriented employees.
The increase in competitiveness among all banks has ballooned so much that these banks are
willing to do anything to retain or add a new customer. The strategy of putting customers in high
pressure sales situations is not unethical. However, the line is drawn when branch employees are
told to sell a certain product so the branch will meet its monthly/quarterly goal. With this type of
leadership, you are enabling employees to sell products to customers that they most likely did not
need in the first place and may not be qualified for. These unethical tendencies led customers to
believe that they needed a product that was only sold for the company's benefit. These situations
only confirm that the banking industry is putting their profit interests above the well–being of the
customers that they provide services for.
When the bank is acting in their own self interest they are taking on an egoistic role. They have an
excessive sense of self importance. An egoist will put profit at the top of the list of importance and
that is exactly what the banks

Banking Conclusion And Conclusion
Chapter VIII
Summary, Conclusions and Suggestions
8.1 Summary and Conclusions:
A brief summary to grasp the results and identify important outcomes on the basis of analysis done
in the previous chapters can be presented as follows:
Banks are the life–blood of modern economy. They help in mobilizing the nation's saving and on the
other hand, they channelize these saving into high investment priorities.Indian banking system
comprises of both organized and unorganized banks. Unorganized banking includes indigenous
bankers and village money–lenders. Organized banking includes Commercial Banks, Development
Banks,EXIM Banks, State Cooperative Banks, Regional Rural Banks, NABARAD and Reserve Bank
of India at the top.Public, private and foreign sector banks falls under commercial Banks
category.The process of liberalization of the financial sector was initiated in 1991–92, which aimed
at creating a more diversified, profitable,...show more content...
Banking sector reforms essentially consisted of a two–pronged approach. While nudging the Indian
banking system to better health through the introduction of international best practices in prudential
regulation and supervision early in the reform cycle, the idea was to increase competition in the
system gradually .Special emphasis was placed on building up the risk management capabilities of
the Indian banks, measures were also initiated to ensure flexibility, operational

Bank Accounting Information System And Electronic Banking
Introduction
Information technology has had as much impact on our society as the industrial revolution. In the
information age, companies are finding that success or failure is increasingly dependent on their
management and use of information. Therefore, companies need a good information system that
enabled an efficient and effective use of information to give them more competitive advantage
(Moscove, Simkin, & Bagranoff, 1999).
An information system is a set of interrelated subsystems that work together to collect, process, store,
transform, and distribute information for planning, decisions making, and control. An information
system need not be a computerized...show more content...
The use of computer network has made it possible for the treasury managers to get the information
needed almost at anytime if all of the bank's branches are online. Therefore, the bank's liquidity
management could be performed more timely and efficiently based on accurate information (Deakin,
Goddard & Welch, 1999).
Among reasons why people use a bank's services are to obtain convenient access to cash and to
obtain interest payments and other return on investment. The banks serve the needs of the customers
by providing a system that enables the customers to check their account balance, to deposit and to
withdraw cash, and to make payment in a convenient way. The system must also provide up to date
and accurate information of customers' account. The introduction of information technology had
improved the quality of banks services to the customers. Various new banks' services, which are
made possible by the use of information technology in their AIS, are usually called electronic
banking.
History of Electronic Banking
Banking technology appears to have been applied first at the centre of the United States banking
system. One of the earliest uses of electronic technology was the Federal Reserve Communication
System (Fed Wire), which recorded over 700,000 transfers in

Bank Marketing Essay
I. Introduction
Within our society, financial institutions are becoming more abundant. Along with this present
growth, the field of marketing financial services has also grown in size and scope with new entrants
everyday. The relatively stable banking environment is being altered with innovation, opportunism,
and government intervention. This era, marked by the government's luminous hand of deregulation
(defined as the act of removing regulations or restrictions from a specific entity), has expanded
consumer options to the extent that commercial banking must now become an aggressively
competing member of the financial services industry. In this new era, important marketing areas such
as regulation,...show more content...
The marketing mix is simply terminology describing decisions about product, place, promotion, and
price. Marketing strategies or schemes within a specific bank are planned, organized, directed, and
controlled with the intentions of fulfilling some pre–determined goal. These goals can have various
time spans. For example, a particular bank may want to "introduce a new consumer loan plan" or
"increase the total number of new accounts opened by 10% over an eight month period." An action
of this nature would result in returns to the short run. On the other hand, if the bank wanted to
"improve its image within the community", the bank would have a longer period of time to
accomplish the goal (long run).
Bank marketing serves the role of bringing the product to the consumer or customer in a way that is
understandable and relatively easy to comprehend. Bank marketing also has the duty of responding
appropriately and realistically to externally and internally generated change in the environment. For
example, many financial institutions, including the likes of First Union, Bank of America, and First
Citizens, all offer various products and services to meet the needs of a demanding society full of
varying personalities and values. Without a myriad of varied services and products, these institutions
could stand to lose many customers and bigger than that, profits. In the eyes of many, bank
marketing appears to be a relatively simple process, but when faced

Bank Essay
Fall of 2018,I begin college at NCMC in Petoskey and I will be moved in and ready to start the rest
of my life. As doing so I must have a bank to put all my money in. i've chosen 2 banks that would
be good for me in college and 2 that wouldn't be so good for me. There are many banks that I was
interested in when I attend college and they include the 5th and 3rd bank, 4front, Chase bank and
PNC.
The first bank that I was interested in for college is The 5th 3rd bank. 5th 3rd bank is open 9am to
5pm Monday–Friday and there's one right in Petoskey. With a checking account no credit score is
required to open an account here. If you get feed for using another ATM other than a 5th 3rd ATM
then you can get up to a 50% discount on that fee as long...show more content...
In a 4 front savings account, you must have at least 1 dollar in there at all times to hold your
savings account. 4 front gives you a free debit/ ATM card once you open a bank account. This
bank would be the most efficient because I already have it and it's the best bank for a savings and
checking account since there are not a lot of problems and fees.
The third bank that I was interested in for college is The Chase bank. This bank is open 9 a.m. to
5p.m. on weekdays and 9a.m. to 1p.m. on saturdays. Although the hours maybe good, Chase bank
is not the best bank to choose if you're going to college. At Chase bank you must have 10,000 in
your savings to earn $150 every 90 days and you can not exceed 6 withdraws a month or you will
get feed 5 dollars for ever withdraw you go over. Chase bank has many ATMs, but only 2 are in
Petoskey along with a walk in bank. In a checking account you automatically get a free debit/ATM
card with chip technology. Throughout my research with chase bank I've come to realize that
chase bank is not a good account for a college student because of fees that occur throughout the
process of having a bank account there. If you don't have enough money in your account, the bank
will charge you and if you over withdraw from your account the bank will charge you. I've come to
the conclusion that chase bank is not a good bank for a college student to have.
The last bank I was interested in for college bank account was PNC. This bank has a location in

Essay on Banking
Introduction A bank refers to a financial institution that accepts deposits and channels the money
into lending activities (Lewis, 2009). Ethics refers to the principles of right and wrong that are
accepted by an individual or a social group ((Lewis, 2009).) Conceptually, ethics refers to well base
standards of right and wrong that prescribe what humans ought to do, usually in terms of rights,
obligations, benefits to society, fairness, or specific virtues (Safakli, 2005). It's the integrity measure,
which evaluates the values, norms and rules that constitute the base for individual and social
relationships, from a moral perspective (Smith and Smith, 2002). It consists of choosing the good
over the bad, the right over the wrong and the...show more content...
The banking sector in the modern society, in many areas, play many roles which includes unifying
and intermediary roles between the fund supplying and fund demanding sides of the society, helping
accomplish investment and saving functions. Banking institutions are expected to protect the rights
and interests of depositors, establish stable and trustworthy financial markets, engage in economic
development and more importantly to ethically conduct their operations in compliance with the
principles of integrity, transparency , reliability, impartially, with social responsibility and control
money laundering (Carse, 1999). However, not all banking institutions practice these norms, with
their dishonor leading to adverse effects, for instance; corruption which includes the banking sector
unethical conduct, can cost the poor three times more than the rich, according to a 2002 Word
Development Report. Ethical issues Financial institutions –including banks of all sorts, credit
agencies, private equity firms, pension funds, insurance companies, and the like– have long been
considered by most people to have no other object in view than the creation of wealth. The
performance of financial institutions is therefore measured solely on the basis of their capacity to
maximize financial assets, that is, it has been measured with evaluation factors that review only their
monetary bottom–line results.

Bank Accounting Essay
gaining importance that most of the bank's income is earned from its non–core activities which are
treasury operations, corporate services and so on. So we try to assess the quality of income in
terms of income generated by core income activities like income from lending, advances etc.
The factors considered by the supervisory and regulatory authorities to assess the quality of assets are
To evaluate the undistributed profits and reserves, retained earnings, profits, and their authentication
whether an adequate capital are generated through this channel or not.
To determine the quality sources of earnings and incomes, budgeting policies and Management
Information Systems (MIS).
Ratings Criteria for Earnings:–
A rating of A+ or 1...show more content...
1.5.5 Liquidity Management: –As we all know that the liquidity ratio states the level or limit up to
which a bank is able of satisfying its respective liabilities. Banks generate money by mobilizing
short–term savings of the people converting into deposits at lower interest rate, and then lending
these funds in long–term loans at higher rates of interest, so it is quite risky for banks to mismatch
their lending interest rate. Liquidity is measured by the level of earnings, the fifth component of
CAMEL Framework is liquidity (stability of customer, whether loans and deposits are well
matched and overall liquidity position), and it is an important element for both good and bad
banks. All banks are highly concerned for their liquidity risk; i.e., the problem which arise due to
the bank failure in meeting its current financial obligations (e.g., depositors) because of
inadequate current assets such as cash and quickly cash type marketable securities, Specifically at
the time of economic recession and to avoid these type of problems every bank tries to analysis its
liquidity position regularly and make arrangements to avoid such problem..Laruccia and Revoltella
(2000) found that banks with low net loans to assets ratio (good liquidity position) tend to obtain
better BFSRs assigned by Moody's. Poon and Firth (2005) and Pasiouras et al. (2006)

The Future Of The Bank Essay
Future of Bangladeshi bank
1. Introduction
Bank can be defined as the life of an economy. It plays an important role for the up gradation of an
economy. The prime or main job of the bank is to collect deposit from the savers and providing
loans to the defecator's .Banking sector makes the financial infrastructure of a country. Today
banking has become an important part of our modern economy. It is also a driving force of our
economy. Generally we make our transaction through bank. In whole world banking sector has
become the main point of the economy & in our country there is no exception. Banks play an
important role in the country. So modern banking is important. The main concern of this paper is to
analyze the future of Bangladeshi Bank.
Early banking system involves only collecting deposits & providing credit to lenders. But it is the
era of modern banking. Modern banking is involved with many other activities. It has FX
departments, provides lease financing, helps in M & A, serves as investment bankers and also
provides advisory services.
The main policy to successful banking is the ability of balance many activities in the same time.
The bank has to try to keep a positive and impressive growth rate. On the other hand it must take
action to minimize the risks it faces. The bank has to try to keep enough liquidity to meet all its
liability. All of these are related to sound performance of a bank. The financial performance shows
the strengths and weaknesses of bank

Persuasive Essay About Food Bank
Food banks are a terrible solution to a terrible issue. Hunger is one of the biggest issues the
human race experiences. One in nine people in the world, or 795 million people, out of the 7.4
billion people go hungry every day because they do not have enough to eat. Every 10 seconds, a
child dies from hunger–related diseases (The Hunger Project, 2017). The way lots of organizations
try to help these people in need are through food banks. A foodbank is a non–profit, charitable
organization that distributes to those who have difficulty purchasing enough food to avoid hunger.
Food banks are inefficient in aspects of time, money, and effort because so much more can be done
through donations of money, not non–perishable foods and items....show more content...
Another issue arises though, it needs to be transported from the warehouse to the appropriate
drop–off place, which is most likely in a high–density residential area, not an industrial area. The
time it takes for all this to happen is simply too much and non–efficient. We are in an era where time
is valuable. Everyone is so busy with their lives, be it for work, school, family, or hobbies, it is
unnecessary to spend all this time just to donate something that not even the buyer would eat. To
show an example, let's say a donator's name is David. David works a 9–5 job which pays $20 per
hour and has three kids, two of which have swimming practice after school. David picks up his
kids at 5:30, and goes home right in time for dinner. On his dinner table, he has high quality foods
that are packed with nutrients. David remembers there's a food drive raffle near his workplace that
is looking for donations for a chance to win a grand prize. David now has to go out of his way to go
to a grocery store to buy non–perishable foods. Instead of wasting his time going, he can go to the
food bank and simply donate money. If David was planning on spending $5 and 45 minutes for
the whole process, from purchasing the items to dropping them off, he actually spent $20 plus a
few extra dollars for gas. Instead of wasting 45 minutes of his time to get $5 worth of food, he could
easily have donated $25, which go a long way. This will be explained later, but

The World Bank Essay
The World Bank
Bureaucracy is one of the pillars of modern western society. Although this statement is debatable
from many aspects, most would agree that, at the very least, our lives are greatly affected by
bureaucracy. Bureaucracy is the 'pure form of rational organization' (Newson, Jan 11). Not only is it
a method for achieving goals efficiently and effectively, but it is acclaimed as the most able strategy
to meet objectives. The World Bank is a classic example of a bureaucratic organization. It embodies
all the characteristics necessary to qualify; from its complicated hierarchy and impersonal relations,
to the specialization and career orientation of its employees. However, not everyone agrees on the
competency of the bureaucratic...show more content...
It is a relatively small organization, and immensely respected, which allows it to chose its staff
from the best in the world. However, the Bank's rules and traditions do not allow these top notch
women and men to work at maximum efficiency. It is an organization trapped in its own structure,
stifling the staff which works for it. Lower level employees are silenced by a hierarchy which
provides few methods for the expressing of opinions, and in fact discourages dissent. This
commitment to orthodoxy has caused the Bank to fall behind on its development strategies in
comparison to the rest of the world. Nevertheless it is not an organization composed of stupid
people and is aware –– of at least some –– of its faults.
Although attempts have been made to restructure the Bank, they have only ended up further
focusing the Bank on its orthodox path. Quantity, instead of quality, has become its purpose and is
causing further havoc in the countries to which it loans (part II countries). Instead of dealing with
these problems, it fools itself and others into believing in a positive end result; ignoring the rule
'the ends do not justify the means' not to mention the fact that many do not foresee a positive end.
To deal with the image problem created by its own disasters, the World Bank has attempted to make
itself appear more effective.
Yet it seems to have forgotten that what is important is not the image but the results. This is what has

Benefits Of A Banking Career Essay
Introduction
The impact of skills and availability in choosing a banking career in today's work force can be
demanding yet challenging while also offering rewarding advancement and great accomplishments.
Advantages of a banking career consist of getting to know a bank's products and services, develop
teamwork skills, engage with the community, competitive wages, become a better salesperson, and
opportunity for advancement. (BankingCareersInfo.com) Choosing a career in an entry level
banking field will place me into a fast paced professional setting that will allow me to interact with
the public while handling their private and personal information ad providing for their banking
service needs.
Types of careers in Banking
Banking is a competitive market that offers a broad range of careers. Choosing a career path in
banking more often begins with job availability within your area and in general most first time
banking careers begin at the entry level position and work their way up within the company.
Tellers
Accounts Representatives
Loan Officers
Financial Analysts
Collectors
Treasurers
Budget Analysts
Knowledge, Skill, and Abilities in Entry Level Banking Career,
Considering that the broad range of careers within banking varies, so do the amount of knowledge,
skills and abilities, I may need for the position. The requirements of this position of Customer
Accounts Representative required having: High School Diploma or equivalent, three years plus

Bank and Essay
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The Bank of the United States Essay
The Bank of the United States
The Bank of the United States is a symbol of the long held American fear of centralization and
government control. The bank was an attempt to bring some stability and control and was successful
at doing this. However, both times the bank was chartered, forces within the economy ultimately
destroyed it. The fear of centralization and control was ultimately detrimental to the U.S. economy.
During the Revolutionary War there was much need for a strong centralized government that would
have been able to collect taxes. The states were able to issue currency and the government accepted
this in exchange for specie. Specie was very hard to come by in the colonies and most states...show
more content...
The stock of the bank was bought and held mainly by the US government and numerous
businessmen among the states of the Union. It paid interest on public debt, issue a national
currency, dealt in foreign exchange, paid government officials, and numerous other tasks. It was
both a private and public institution but if asked by the Treasury, it would have to open its books
to inspection. It appears the bank was a very safe buy in the stock market. It paid steady dividends
put there was rarely any high fluctuation in its stock price. Meanwhile, many of the state banks at
the time had a wild fluctuation in prices. There were eight branches through the states, but originally
Hamiliton thought that branches would be a bad idea because it would cause rivalry with the state
banks. He ended up being right, as this was a contributing reason that the bank eventually failed. The
bank was not a central bank; it just held an account for the government and had little control over the
fiscal policies in each state. However, the state banks still resented the power that the bank had. This
is extremely hard to comprehend when comparing the power of the First Bank and the current
Federal Reserve System.
The First Bank of the United States lasted until 1811. In 1804, President Jefferson, who despised the
bank, removed any money that the government had from its vaults. When the issue of

Bank Management System
Table of Contents
CHAPTER 1.0 INTRODCUTION1
1.1 BACKGROUND1
1.2 EQUATORIAL COMMERCIAL BANK2
1.3 MOTIVATION FOR UNDERTAKING THE PROJECT3
1.4 THE PROBLEM STATEMENT4
1.5 BENEFITS OF THE PROPOSED SYSTEM5
1.5.1 Online Banking – How Is It Different5
1.5.2 Why Use Online Banking5
1.6 PROJECT OBJECTIVES6
1.7 SYSTEM OBJECTIVES7
1.8 SCOPE OF THE SYSTEM7
CHAPTER 2–LITERATURE REVIEW8
2.1 DEFINING E–BANKING/ONLINE BANKING8
2.2 FEATURES OF ONLINE BANKING8
2.3 E–BANKING IN DEVELOPING COUNTRIES9
2.4 E–BANKING IN PAKISTAN10
2.5 E–BANKING IN KENYA12
2.5.1 Current Structure and Developments in the Kenyan Banking Industry12
2.5.2 E–Banking Revolution in the Kenyan Banking Industry14
2.6 REVIEW OF CURRENT SYSTEM15
2.7 REVIEW OF RELATED...show more content...
Initially, after the problem was identified after interviews with the bank loan staff and customers,
requirements were collected and system analysis done through Object Oriented Design and
Methodology (OOAD). More data was collected through a review of the current manual banking
system and documents maintained by the bank.
Unified Modelling Language was used to analyze and organize the design solution. Use Case
diagram, Class Diagram and Sequence diagram were then designed to model the system. A database
schema was then designed to model the database to be used. The system was developed using
mathematical functions for the balancing

Bank Of America Essay
Bank of America Corporation Bank of America is a banking and financial service industry located
in Charlotte, North Carolina. If you would like to access the internet address for Bank of America,
then you can click on this link provided https://www.bankofamerica.com . Its primary SIC Code is
6021 – National Commercial Banks, and its primary NAICS Code is 522110 – Commercial
Banking. The Bank of American provides many goods and services for its customers such as
banking, credit cards, loans, and investments. Every day Bank of America is competing against many
competitors but JPMorgan Chase and Wells Fargo are some of the largest. Bank of America's
stock exchange ticker symbol is NYSE: BAC. The external auditor is PricewaterhouseCoopers
LLP in Charlotte, North Carolina. In 1904, the bank had officially opened for business. The
company was founded by Amadeo Peter Giannini. By the age of 21, he earned half ownership of
the business. Then in 1958, BankAmericard was introduced and licensed to other banks across the
country. In 1998, Bank of America began creating the first coast–to–coast banking franchise. As the
years went by, Bank of America made great progress. Between 2004–2006, the company bought
FleetBosten Financial and MBNA. As of today, the company provides...show more content...
Right now I will be talking about their internal strengths and weaknesses. One of the companies
main strengths is how Bank of America is the leading market in the United States. This company
has always set the standards for other businesses. Bank of America is also an extremely well
planned and thought out product and service innovation corporation. But, Bank of America also has
its weaknesses such as deteriorating asset quality, declining net interest margins and weak wholesale
banking operations. Every business is going to suffer from some weaknesses because no one is
perfect nor going to be

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