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It is a banking services refer to banking transactions and services that do not require a customer to visit a bank branch and interact with a teller or banker in person.
It is a banking services refer to banking transactions and services that do not require a customer to visit a bank branch and interact with a teller or banker in person.
Non-OTC banking/Non-Over-the-Counter banking
Banking services accessed through the bank's website or mobile app
Banking services accessed through the bank's website or mobile app
Online Banking
Banking services accessed via a mobile banking app on a smartphone or tablet
Banking services accessed via a mobile banking app on a smartphone or tablet
Mobile Banking
Banking services provided via automated phone systems or by speaking to a customer service representative
Banking services provided via automated phone systems or by speaking to a customer service representative
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Banking services accessed through text messaging (SMS) on a mobile phone.
Banking services accessed through text messaging (SMS) on a mobile phone.
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Banking services provided through ATMs.
Banking services provided through ATMs.
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Self service terminals placed in public places or bank branches for customers to access online banking services
Self service terminals placed in public places or bank branches for customers to access online banking services
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Payments made using debit or credit cards at retail locations
Payments made using debit or credit cards at retail locations
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Cards preloaded with funds that can be used for purchases or withdrawals
Cards preloaded with funds that can be used for purchases or withdrawals
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Digital wallets that store payment information for easy transactions via mobile devices . PayPal, Apple Pay, Google Pay, GCash(Philippines)
Digital wallets that store payment information for easy transactions via mobile devices . PayPal, Apple Pay, Google Pay, GCash(Philippines)
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Banking services provided through AI powered chatbots integrated into websites, apps, or messaging platforms
Banking services provided through AI powered chatbots integrated into websites, apps, or messaging platforms
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Banking services accessed through wearable devices like smartwatches
Banking services accessed through wearable devices like smartwatches
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These are essential to the effective functioning of financial systems worldwide. They provide the channels through which funds are transferred among banks and other institutions to discharge payment obligations arising from economic and financial transactions across the entire economy. An efficient, secure and reliable payment system
These are essential to the effective functioning of financial systems worldwide. They provide the channels through which funds are transferred among banks and other institutions to discharge payment obligations arising from economic and financial transactions across the entire economy. An efficient, secure and reliable payment system
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It is specialized branch of banking services designed to cater to the financial needs of large corporations and institutions , sometimes government entities .
It is specialized branch of banking services designed to cater to the financial needs of large corporations and institutions , sometimes government entities .
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It provides complex financial products and services that address the unique challenges faced by large organizations.
It provides complex financial products and services that address the unique challenges faced by large organizations.
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Corporate banking plays a vital role in ensuring the financial stability of large companies by providing tailored financial solutions, including credit facilities, risk management products, and cash management services. These services help corporations manage their finances efficiently and mitigate risks associated with market volatility.
Corporate banking plays a vital role in ensuring the financial stability of large companies by providing tailored financial solutions, including credit facilities, risk management products, and cash management services. These services help corporations manage their finances efficiently and mitigate risks associated with market volatility.
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Corporate banks facilitate large scale transactions, such as mergers and acquisitions (M&A), by offering specialized services like advisory, structuring, and financing. These banks have the expertise and resources to handle complex financial deals that are beyond the scope of retail banks.
Corporate banks facilitate large scale transactions, such as mergers and acquisitions (M&A), by offering specialized services like advisory, structuring, and financing. These banks have the expertise and resources to handle complex financial deals that are beyond the scope of retail banks.
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By providing financing to corporations, corporate banks indirectly support economic growth. They help companies expand operations, invest in new projects, and enter new markets, which in turn creates jobs and stimulates economic activity.
By providing financing to corporations, corporate banks indirectly support economic growth. They help companies expand operations, invest in new projects, and enter new markets, which in turn creates jobs and stimulates economic activity.
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Corporate banks offer a range of risk management products, such as derivatives and foreign exchange services, to help corporations hedge against risks like currency fluctuations, interest rate changes, and commodity price volatility. This is crucial for companies operating in international markets.
Corporate banks offer a range of risk management products, such as derivatives and foreign exchange services, to help corporations hedge against risks like currency fluctuations, interest rate changes, and commodity price volatility. This is crucial for companies operating in international markets.
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Corporate banks offer customized financial solutions tailored to the specific needs of each client. This personalization is essential for large organizations with complex financial structures and diverse needs
Corporate banks offer customized financial solutions tailored to the specific needs of each client. This personalization is essential for large organizations with complex financial structures and diverse needs
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Give the importance of Corporate or Institutional Banking
Give the importance of Corporate or Institutional Banking
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Give the sample Products and Services of Corporate or Institutional Banking
Give the sample Products and Services of Corporate or Institutional Banking
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These services help corporations manage their cash flow efficiently. They include services like electronic fund transfers, payment
processing, and liquidity management. Cash management is crucial for ensuring that a company has sufficient cash on hand to meet its obligations.
These services help corporations manage their cash flow efficiently. They include services like electronic fund transfers, payment processing, and liquidity management. Cash management is crucial for ensuring that a company has sufficient cash on hand to meet its obligations.
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Corporate banks offer long term loans to finance capital expenditures, such as purchasing equipment or real estate. These loans have fixed or variable interest rates and are usually secured by the assets being financed.
Corporate banks offer long term loans to finance capital expenditures, such as purchasing equipment or real estate. These loans have fixed or variable interest rates and are usually secured by the assets being financed.
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These are short term loans used to finance the day to day operations of a company, such as paying suppliers or managing inventory. They ensure that a company has sufficient liquidity to operate smoothly.
These are short term loans used to finance the day to day operations of a company, such as paying suppliers or managing inventory. They ensure that a company has sufficient liquidity to operate smoothly.
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A revolving credit facility allows a company to borrow, repay, and re borrow funds up to a specified limit. This is useful for companies with fluctuating cash flow needs.
A revolving credit facility allows a company to borrow, repay, and re borrow funds up to a specified limit. This is useful for companies with fluctuating cash flow needs.
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Corporate banks provide trade finance services to facilitate international trade. This includes products like letters of credit, which guarantee payment to suppliers, and trade finance loans, which provide working capital for import and export activities.
Corporate banks provide trade finance services to facilitate international trade. This includes products like letters of credit, which guarantee payment to suppliers, and trade finance loans, which provide working capital for import and export activities.
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These services include foreign exchange (FX) services, interest rate swaps, and commodity hedging. They help corporations manage the financial risks associated with international operations and market volatility.
These services include foreign exchange (FX) services, interest rate swaps, and commodity hedging. They help corporations manage the financial risks associated with international operations and market volatility.
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Some corporate banks also offer investment banking services, such as underwriting, mergers and acquisitions advisory, and capital raising. These services help corporations access capital markets, raise funds through debt or equity offerings, and execute strategic transactions.
Some corporate banks also offer investment banking services, such as underwriting, mergers and acquisitions advisory, and capital raising. These services help corporations access capital markets, raise funds through debt or equity offerings, and execute strategic transactions.
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Corporate banks provide credit and debit card solutions tailored to the needs of large organizations. These cards can be used for business expenses, travel, and entertainment, and offer features like detailed reporting and expense management tools.
Corporate banks provide credit and debit card solutions tailored to the needs of large organizations. These cards can be used for business expenses, travel, and entertainment, and offer features like detailed reporting and expense management tools.
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Specialized financial services provided by banks and financial institutions to high net worth individuals (HNWIs), families, and sometimes institutions. These services are designed to address the complex financial needs of affluent clients by offering personalized investment strategies, financial planning, and a wide range of financial products.
Specialized financial services provided by banks and financial institutions to high net worth individuals (HNWIs), families, and sometimes institutions. These services are designed to address the complex financial needs of affluent clients by offering personalized investment strategies, financial planning, and a wide range of financial products.
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Give the Key Components of Wealth Management and Advisory Services
Give the Key Components of Wealth Management and Advisory Services
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Wealth managers create and manage a diversified investment portfolio tailored to the client’s risk tolerance, time horizon, and financial goals. This involves selecting a mix of assets, including stocks, bonds, real estate, and alternative investments.
Wealth managers create and manage a diversified investment portfolio tailored to the client’s risk tolerance, time horizon, and financial goals. This involves selecting a mix of assets, including stocks, bonds, real estate, and alternative investments.
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Strategic asset allocation is a critical component of investment management, where the wealth manager determines the optimal allocation of assets to achieve the desired balance between risk and return.
Strategic asset allocation is a critical component of investment management, where the wealth manager determines the optimal allocation of assets to achieve the desired balance between risk and return.
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Wealth management services help clients plan for retirement by estimating future financial needs, setting retirement goals, and creating a savings and investment strategy to achieve those goals.
Wealth management services help clients plan for retirement by estimating future financial needs, setting retirement goals, and creating a savings and investment strategy to achieve those goals.
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Tax efficiency is a major concern for HNWIs. Wealth managers provide strategies to minimize tax liabilities through investments in tax advantaged accounts, charitable giving, and other tax saving techniques.
Tax efficiency is a major concern for HNWIs. Wealth managers provide strategies to minimize tax liabilities through investments in tax advantaged accounts, charitable giving, and other tax saving techniques.
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Wealth managers assist clients in creating wills and trusts to ensure that their assets are distributed according to their wishes. Trusts can also be used to manage and protect assets during the client’s lifetime.
Wealth managers assist clients in creating wills and trusts to ensure that their assets are distributed according to their wishes. Trusts can also be used to manage and protect assets during the client’s lifetime.
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For business owners, wealth management services include succession planning to ensure the smooth transition of business ownership and management to the next generation or to external buyers.
For business owners, wealth management services include succession planning to ensure the smooth transition of business ownership and management to the next generation or to external buyers.
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Wealth managers evaluate the client’s insurance needs and recommend life and health insurance policies to protect against unforeseen events. These policies are crucial for maintaining financial stability in the face of emergencies.
Wealth managers evaluate the client’s insurance needs and recommend life and health insurance policies to protect against unforeseen events. These policies are crucial for maintaining financial stability in the face of emergencies.
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As part of estate planning, wealth managers may recommend long term care insurance to cover the costs of extended medical care, which can deplete retirement savings if not properly planned for
As part of estate planning, wealth managers may recommend long term care insurance to cover the costs of extended medical care, which can deplete retirement savings if not properly planned for
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Wealth management services often include strategies for charitable giving, including the establishment of donor advised funds or charitable trusts. These strategies help clients support causes they care about while also providing tax benefits.
Wealth management services often include strategies for charitable giving, including the establishment of donor advised funds or charitable trusts. These strategies help clients support causes they care about while also providing tax benefits.
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Specialized segment of banking operations that helps organizations raise capital and provides financial consultancy services to them. It is more concerned with creating capital for other companies, governments, and other entities
Specialized segment of banking operations that helps organizations raise capital and provides financial consultancy services to them. It is more concerned with creating capital for other companies, governments, and other entities
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Key Services Offered of Investment Banking Services
Key Services Offered of Investment Banking Services
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Investment banks provide advisory services for companies looking to merge, acquire, or divest. They help in deal structuring, negotiation, and closing, ensuring that the transaction aligns with the strategic goals of the clients.
Investment banks provide advisory services for companies looking to merge, acquire, or divest. They help in deal structuring, negotiation, and closing, ensuring that the transaction aligns with the strategic goals of the clients.
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In situations where a company is facing financial difficulties or wants to optimize its operations, investment banks offer restructuring services. This includes reorganizing the company’s debt, operations, or legal structure to improve efficiency and profitability
In situations where a company is facing financial difficulties or wants to optimize its operations, investment banks offer restructuring services. This includes reorganizing the company’s debt, operations, or legal structure to improve efficiency and profitability
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Investment banks help companies raise capital by issuing stocks. This includes Initial Public Offerings (IPOs), follow on offerings, and private placements. The banks advise on the timing, pricing, and structure of the offering.
Investment banks help companies raise capital by issuing stocks. This includes Initial Public Offerings (IPOs), follow on offerings, and private placements. The banks advise on the timing, pricing, and structure of the offering.
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For companies needing to raise capital through debt, investment banks assist in issuing bonds and other debt securities. They provide advisory services on the optimal debt structure and help in marketing the debt instruments to investors.
For companies needing to raise capital through debt, investment banks assist in issuing bonds and other debt securities. They provide advisory services on the optimal debt structure and help in marketing the debt instruments to investors.
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Investment banks underwrite equity issues by purchasing securities from the issuer and selling them to investors. They take on the risk of selling the securities at the agreed price, ensuring that the issuing company raises the desired amount of capital.
Investment banks underwrite equity issues by purchasing securities from the issuer and selling them to investors. They take on the risk of selling the securities at the agreed price, ensuring that the issuing company raises the desired amount of capital.
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Investment banks underwrite debt issues, assuming the risk of distributing the debt securities to investors. This is essential for companies issuing bonds or other debt instruments
Investment banks underwrite debt issues, assuming the risk of distributing the debt securities to investors. This is essential for companies issuing bonds or other debt instruments
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Investment banks act as market makers by buying and selling securities to provide liquidity to the markets. They help maintain the flow of trading and ensure that buyers and sellers can transact efficiently.
Investment banks act as market makers by buying and selling securities to provide liquidity to the markets. They help maintain the flow of trading and ensure that buyers and sellers can transact efficiently.
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Investment banks also engage in proprietary trading, where they trade stocks, bonds, derivatives, commodities, and other financial instruments with the bank's own money to make a profit.
Investment banks also engage in proprietary trading, where they trade stocks, bonds, derivatives, commodities, and other financial instruments with the bank's own money to make a profit.
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Investment banks provide detailed research reports on public companies, offering insights into their financial performance, market position, and future prospects. These reports help investors make informed decisions.
Investment banks provide detailed research reports on public companies, offering insights into their financial performance, market position, and future prospects. These reports help investors make informed decisions.
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Investment banks also conduct macroeconomic research to provide clients with insights into broader economic trends, interest rates, and market conditions that could impact their investment strategies.
Investment banks also conduct macroeconomic research to provide clients with insights into broader economic trends, interest rates, and market conditions that could impact their investment strategies.
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These involve the bank acting as a trustee, holding and managing assets on behalf of an individual or entity (the trustor) for the benefit of another party (the beneficiary).
These involve the bank acting as a trustee, holding and managing assets on behalf of an individual or entity (the trustor) for the benefit of another party (the beneficiary).
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These encompass a broader range of activities where the bank acts in a fiduciary capacity, managing assets, estates, or financial affairs for clients under a legal obligation to act in their best interest.
These encompass a broader range of activities where the bank acts in a fiduciary capacity, managing assets, estates, or financial affairs for clients under a legal obligation to act in their best interest.
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Give Some of the Fiduciary Services
Give Some of the Fiduciary Services
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Banks manage and distribute the deceased’s assets according to their will or state law if there is no will.
Banks manage and distribute the deceased’s assets according to their will or state law if there is no will.
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Banks may act as guardians for minors or incapacitated individuals, managing their assets until they are capable of doing so themselves.
Banks may act as guardians for minors or incapacitated individuals, managing their assets until they are capable of doing so themselves.
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Fiduciary responsibility in managing and investing assets prudently to meet the client’s financial goals.
Fiduciary responsibility in managing and investing assets prudently to meet the client’s financial goals.
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Managing pension plans, 401(k) plans, and other employee benefit trusts, ensuring compliance with regulatory
Managing pension plans, 401(k) plans, and other employee benefit trusts, ensuring compliance with regulatory
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Safekeeping of assets, handling transactions, and ensuring proper reporting and documentation.
Safekeeping of assets, handling transactions, and ensuring proper reporting and documentation.
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It is a way of protecting yourself from unexpected financial loss
It is a way of protecting yourself from unexpected financial loss
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Give Some Insurance Services Offered by Banks
Give Some Insurance Services Offered by Banks
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The distribution of insurance products through banks, often in partnership with insurance companies. This includes life insurance, health insurance, property insurance, and more.
The distribution of insurance products through banks, often in partnership with insurance companies. This includes life insurance, health insurance, property insurance, and more.
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Protects the bank against the risk of non payment by borrowers, ensuring the bank can recover some or all of the loaned amount in case of default.
Protects the bank against the risk of non payment by borrowers, ensuring the bank can recover some or all of the loaned amount in case of default.
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A service that guarantees a certain amount of depositor funds in case of bank failure, usually provided by a government agency like the
Federal Deposit Insurance Corporation (FDIC) in the U.S.
A service that guarantees a certain amount of depositor funds in case of bank failure, usually provided by a government agency like the Federal Deposit Insurance Corporation (FDIC) in the U.S.
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Coverage for the bank’s physical assets, such as branches and equipment, against risks like fire, theft, or natural disasters.
Coverage for the bank’s physical assets, such as branches and equipment, against risks like fire, theft, or natural disasters.
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Protects the bank against claims of negligence or failure to perform professional duties, covering legal costs and potential settlements.
Protects the bank against claims of negligence or failure to perform professional duties, covering legal costs and potential settlements.
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