E.bs 3rd-Unit 14 Banking

SCHOOL OF FOREIGN LANGUAGES FOR ECONOMICS
Designed by Bui My Ngoc
FOR INTERNAL USE

09.2016
UNIT 12
BÙI MỸ NGỌC
TRƯỞNG BỘ MÔN
MOBILE: 0903846785
WHAT IS BANKING?
Banking can be defined as the business activity of accepting and
safeguarding money owned by other individuals and entities, and then
lending out this money in order to earn a profit.
FUNCTIONS OF BANKS
FUNCTION
OF BANKS
PRIMARY SECONDARY
FUNCTIONS FUNCTIONS
1. ACCEPTING 2. GRANTING 1. PUBLIC ULTILITY SERVICE

DEPOSITS LOANS 2. AGENCY SERVICES
PRIMARY
FUNTIONS
ACCEPTING LOANS GRANTING LOANS

 Saving deposits  Overdraft
 Fixed deposits  Credits
 Current deposits  Loans
 Recurring deposits  Discounting bills
SECONDARY
FUNTIONS
AGENCY FUNCTIONS UTILITY FUNCTIONS

 Transfer of funds (TTR)  Lockers
 Periodic payments  Drafts /LC
 Cheque collection  Underwriters of shares
 Portfolio management  Dealing in Foreign Exchange
 Social Welfare Programs
 Other functions
MODERN
FUNCTIONS
EFT (Electric ATM (Automated Credit cards

Funds Transfer) Teller Machines) Debit cards
Collection of Internet Banking

Information
 CENTRAL BANK
 COMMERCIAL BANKS
 INVESTMENT BANKS
 MORTGAGE BANKS
 MERCHANT BANKS
 SAVINGS BANKS
 COOPERATIVE BANKS
 COMMUNITY BANKS
 ISLAMIC BANKS
 PRIVATE BANKS
 FOREIGN BANKS
 JOINT-VENTURE BANKS
 STATE BANKS
DO CENTRAL BANKS HAVE THE SAME FUNCTIONS AS OTHER BANKS?
WHAT DOES IT DO?
THE CENTRAL BANK
BANK BANK
ROLES OF CENTRAL BANK
 manages a state's currency, money supply, and interest

and exchange rates.
 regulates and supervises the commercial banking

system.
 possesses a monopoly on increasing the monetary
base in the country
 prints the national currency and sets monetary policies
 acts as a "lender of last resort" to the banking sector

during times of financial crisis
 serves as advisor to the government

COMMERCIAL BANK
A commercial bank is a financial institution that provides deposit, current (checking)
and saving accounts to individuals, organizations and businesses. It also lends money.
INVESTMENT BANK
It consults on mergers and acquisitions, among other things and works in the
investment markets and do not take customer deposits
STATE OWNED BANKS IN VIETNAM
Global Petro Bank
Vietnam Bank for Agriculture and Rural Development

STOCK AND COMMERCIAL BANKS IN VIETNAM
JOINT VENTURE BANKS
BANKING TERMS
 DEBIT / CREDIT CARDS

 CHEQUE BOOKS
 LOANS
 MORTGAGES
 HEDGE FUNDS
 DEPOSITS
 BONDS
 STOCKS / SHARES
 CONLOMERATES
 RETURNS
 MERGER
 TAKEOVER BID
BANKING TERMS
mortgages cheque book credit cards
debit cards ATM loans

BANKING TERMS
hedge funds
(quỹ đầu cơ) Conglomerates
(tập đoàn đa ngành)
takeover bid
(thâu tóm)
Investment returns Merger

(lợi tức đầu tư) (hợp nhất)
GLASS STEALGALL ACT IN 1934
commercial banks
hedge funds
Investment banks
private banks
Islamic banks
hủy bỏ
non-bank financial
stockbrokers intermediaries
deposits
loan
capital
stocks or shares
bonds
merger
takeover bid
stockbroking
portfolio
returns
bankrupt
deregulation
conglomerate
interest
Offer loans
Pay a deposit
Provide capital
/ loans
Charge interest Make loans Raise capital

Do business Offer advice / services Receive deposits
Give advice Pass laws
Share profits
Issue bonds/ shares Pay interest Make laws
Issue stocks Provide services Make profits
best
kept secret
He worked as a commercial bank manager.
local marketplace
local entrepreneurs
going to see
helping start up
businesses grow
BANKING TERMS
 SUBPRIME CRISIS
 CREDIT CRUNCH
 MBS (MORTGAGE BACKED SECURITIES - TÀI
SẢN ĐẢM BẢO THẾ CHẤP)
 CDO (COLLATERALIZED DEBT OBLIGATIONS –
NGHĨA VỤ NỢ THẾ CHẤP)
ECONOMIC
CYCLES
SUBPRIME BORROWERS – SUBPRIME DEFAULTERS
WAY LEADING TO SUBPRIME CRISIS
Sitting in front of a computer looking at spreadsheets,
doing a lot of dull analysis.
Nghĩa vụ nợ thế chấp (CDO)

Mortgage-Backed Securities
tiền vay thế chấp gốc bị

phân hạng dưới chuẩn
thắt chặt tín dụng

3
1
5
2
4
6
B
C
E
D
A
Social collateral – a group of people help each other to repay the
loan.
Making loan to a group of people who can help each other (rather
than to individuals)
Because the bank makes small loans to a large number of
people, which greatly diversifies the risk.
Because it has been show that poor people do repay their loans,
so microfinance can be a part of normal bank’s business.
Asia, Latin America and Africa
Th.S BÙI MỸ NGỌC
Tel: 0903846785

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SCHOOL OF FOREIGN LANGUAGES FOR ECONOMICS

Designed by Bui My Ngoc

FOR INTERNAL USE

1. ACCEPTING 2. GRANTING 1. PUBLIC ULTILITY SERVICE

ACCEPTING LOANS GRANTING LOANS

AGENCY FUNCTIONS UTILITY FUNCTIONS

EFT (Electric ATM (Automated Credit cards

Collection of Internet Banking

 manages a state's currency, money supply, and interest

 regulates and supervises the commercial banking

 acts as a "lender of last resort" to the banking sector

 serves as advisor to the government

Global Petro Bank

Vietnam Bank for Agriculture and Rural Development

 DEBIT / CREDIT CARDS

mortgages cheque book credit cards

debit cards ATM loans

Investment returns Merger

Charge interest Make loans Raise capital

Nghĩa vụ nợ thế chấp (CDO)

tiền vay thế chấp gốc bị

thắt chặt tín dụng

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