Banking

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Banking

• Alan Unsworth
• Karin Shank
• Larisa Good

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Trivia!

• How many banks are there in the USA?

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Trivia!

• How many checks do Americans write each year?

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Trivia!

• What are banking's total financial assets?

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Trivia!

• How many people are employed in banking?

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Banking Overview and Background

• The Bank of North America became the first
  chartered U.S. bank in 1782
• Banks come in many varieties, including
  community, regional and money center banks and
  holding companies, as well as savings
  institutions, trust companies, and savings banks
• Banks are vital to a healthy, growing economy and
  are a significant part of our nations economy.
  Banks safeguard the countrys deposits and
  provide credit to individuals and businesses.

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Bankings Relevancy to Business and Business
Librarians

• An essential part of the US Economy
• Single most supplier of credit
• 8.9 trillion in assets, over 800 billion in
  capital
• Banks and Small Business
• Loans and Small Business

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Bankings Relevancy to Business and Business
Librarians

• Banks and Big Business
• Loans to large, global corporations
• Often Syndicated Loans (loans made by a group
  of banks)
• Syndicated Loans worldwide totaled almost 2
  trillion at the end of 2002

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Who uses Banking Information?

• General Public- interest rates, loan options,
  financial statements, exchange rates, terminology
  
• Investors- statements, industry information,
  statistics and ratios, key indicators, history,
  mergers, international banking
• Business owners interest rates, loan options,
  bank financial status, history, international
  banking
• Scholars/Researchers- industry information,
  statistics and ratios, history, international
  banking

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Banking Resources Statistical Information

• FDIC Federal Deposit Insurance Corporation
  -http//www.fdic.gov/bank/statistical/
• Provides quarterly and historical statistics for
  all FDIC-insured institutions
• Statistics at a Glance provides banking
  statistics from 2001 to present broken down into
  quarters, along with historical trends for
  comparison. Statistics include number of banking
  institutions, total assets, net income, and
  percent profitability.
• Statistics on Banking allows users to search
  banking statistics by industry, geography, report
  date, assets and liabilities, and income and
  expense.

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Banking Resources Statistical Information

• BIS - Bank for International Settlements -
• http//www.bis.org/statistics/bankstats.htm
• Contains the data published in the BIS Quarterly
  Review
• Provides detailed summaries and statistical
  tables, but is not searchable
• Data covers locational banking statistics,
  consolidated banking statistics, and loan
  statistics.
• Federal Reserve http//www.federalreserve.gov/ba
  nknreg.htm
• Compile quarterly statistics on U.S. chartered
  banks
• Presents statistics by national rank of the bank
• Provides basic statistical information such as
  assets and number of domestic and foreign branches

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Banking Resources Industry Information

• Databases
• Kiplinger Finance Forecasts
• MERGENT Online
• ABI
• BankFocus

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Banking Resources Industry Information

• Associations
• American Bankers Association (ABA)
  http//www.aba.com/default.htm
• Americas Community Bankers (ACB)
  http//www.acbankers.org
• Mortgage Bankers Association (MBA)
  http//www.mbaa.org

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Banking Resources International Banking

• AAAdir World Banks http//www.aaadir.com
• Banks for International Settlements Central
  Banks http//www.bis.org/cbanks.htm

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Banking Resources International Banking

• The Bankers Almanac
• Thomson Global Banking Resource (subscription
  database)
• http//www.tgbr.com

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Banking Information Challenges

• Some information is only available through paid
  subscription services
• Banking information is so entwined with other
  topics, that its hard to see the boundaries
• Terminology can be confusing, and theres a LOT
  of it!
• Multiple government agencies are involved FDIC,
  Federal Reserve board, Treasury department, SEC
• Information is constantly changing, particularly
  current interest rates

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Banking Connections

• General Economy
• Accounting
• Law
• Investing
• International Trade

• Mortgages and Loans
• Housing bureaus
• Business
• Everyday life

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Questions?