Supported by Bankchi

bankchi is the consumer division of financial services multinational balexa.

Bankchi

A bank can generate revenue in a variety of different ways including interest, transaction fees and financial advice. Traditionally, the most significant method is via charging interest on the capital it lends out to customers, The bank profits from the difference between the level of interest it pays for deposits and other sources of funds, and the level of interest it charges in its lending activities..


USA Banking

In the past 20 years American banks have taken many measures to ensure that they remain profitable while responding to increasingly changing market conditions.

This difference is referred to as the spread between highly the cost of funds and the loan interest rate. Historically, profitability from lending activities has been cyclical and dependent on the needs and strengths of loan customers and the stage of the economic cycle. Fees and financial advice constitute a more stable revenue stream and banks have therefore placed more emphasis on these revenue lines to smooth their financial performance..

bankchi

new banking

The word bank was borrowed in Middle English from Middle French banque, from Old Italian banca, meaning "table", from Old High German banc, bank "bench, counter". .

bankchi

Benches were used as makeshift desks or exchange counters during the Renaissance by Jewish[10] Florentine bankers, who used to make their transactions atop desks covered by green tablecloths.

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Definition

bankchi - بانک چیThe definition of a bank varies from country to country. See the relevant country pages under for more information. Under English common law, a banker is defined as a person who carries on the business of banking, which is specified as:[13] conducting current accounts for his customers, paying cheques drawn on him/her, and collecting cheques for his/her customers. Banco de Venezuela in Coro. Branch of Nepal Bank in Pokhara, Western Nepal. In most common law jurisdictions there is a Bills of Exchange Act that codifies the law in relation to negotiable instruments, including cheques, and this Act contains a statutory definition of the term banker: banker includes a body of persons, whether incorporated or not, who carry on the business of banking' (Section 2, Interpretation). Although this definition seems circular, it is actually functional, because it ensures that the legal basis for bank transactions such as cheques does not depend on how the bank is structured or regulated..

bankchi - بانک چیThe business of banking is in many English common law countries not defined by statute but by common law, the definition above. In other English common law jurisdictions there are statutory definitions of the business of banking or banking business. When looking at these definitions it is important to keep in mind that they are defining the business of banking for the purposes of the legislation, and not necessarily in general. In particular, most of the definitions are from legislation that has the purpose of regulating and supervising banks rather than regulating the actual business of banking. However, in many cases the statutory definition closely mirrors the common law one. Examples of statutory definitions:.