banking essay

Essay On Bank

Essay on Bank

500+ words essay on bank.

Banks are an integral part of the modern economy. They play a major role in the economic growth and development of a country. The idea of banking evolved with the idea of money. In India, public sector banks (PSBs) have been working to provide banking services in urban and rural areas since 1970. These public sector banks account for nearly 70% of banking activity in India. With the help of this essay on banks, students will get to know the functions performed by banks and their importance for individuals and the country. To help students in improving their essay-writing skills, we have also compiled a list of CBSE Essays on different topics. By practising these essays, they can boost their writing skills and also score good marks on the English exam.

Meaning of Bank

Banks are mainly linked to depositing and lending money. In Indian society, moneylenders used to give money to people in ancient times. They charged a high rate of interest to people as there were no banks or banking systems available at that time. But, with the change in time, the banking system was introduced in India. Now, we have public sector banks and private banks.

A bank is a financial institution that deals with deposits, withdrawals and other related banking services. Bank receives money from those who want to save in the form of deposits, and it lends money to those who need it. A bank is a financial institution that works as an intermediary to accept deposits and channels those deposits into various lending activities. It does so through loans or capital markets. A bank establishes the connection between the customers who have capital surpluses and those with capital deficits. In India, all banks operate under the guidelines of the Reserve Bank of India, which is known as the banker’s bank.

Functions of Bank

Banking is the lifeline of the modern economy. It has played a very important role in the economic development of all the nations of the world. We can not think of modern commerce without banking. Banking is a business which seeks profits like any other business. The banking business mainly constitutes borrowing and lending as their basic functions. Now, banks are providing many other services to people, such as net banking, online shopping, mobile banking, granting loans and advances, short-term credit, pension payments, acting as a dealer in foreign currency etc. A common person can safely deposit their money in the banks.

How Important are Banks for Development?

Banks are the most important financial pillars. They play a vital role in the economic development of a country. The financing requirements of industries, trades, agriculture and other business are met with the help of banks. Therefore, if the banking system of a country becomes strong, then the development of the country will also be at a faster rate. In today’s economy, banks are not only dealing with money, but they are also contributing to the development of the nation. They play a crucial role in the disbursement of credit and the mobilisation of deposits to various sectors of the economy. Banks also represent the economic health of the country. The strength of a nation’s economy depends on the strength of the financial system, which depends on the banking system.

In India, banks play a crucial role in the social and economic growth of the country after independence. The banking sector in India accounts for more than half the assets of the financial sector. The Indian banks have shown much growth after the implementation of financial sector reforms.

Banks are the backbone of any country’s economy. They are responsible for running the economy and controlling the price of the markets. They perform various important functions. However, there are default NPAs, cases of corruption and security threat-related issues, but these can be resolved by implementing strict laws and rules by the government.

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107 Banking Essay Topic Ideas & Examples

Inside This Article

Banking is a fundamental aspect of the modern economy, serving as the backbone of financial systems worldwide. As a result, there is a vast array of topics to explore within the field of banking. Whether you are a student looking for inspiration or a banking professional seeking to expand your knowledge, this article presents 107 essay topic ideas and examples to help you get started.

The impact of digital banking on traditional banking services.
The role of central banks in regulating the economy.
The benefits and drawbacks of using mobile banking applications.
The future of cryptocurrencies and their impact on traditional banking systems.
The role of commercial banks in fostering economic growth.
The impact of interest rates on consumer borrowing behavior.
The ethical implications of banks investing in controversial industries.
The challenges faced by small and medium-sized banks in an era of consolidation.
The impact of globalization on the banking industry.
The role of banks in promoting financial inclusion.
The impact of technology on fraud prevention in banking.
The effectiveness of stress tests in assessing bank resilience.
The role of banks in financing infrastructure projects.
The impact of banking regulations on lending practices.
The benefits and challenges of open banking.
The role of banks in supporting entrepreneurship and innovation.
The impact of fintech startups on traditional banking institutions.
The role of banks in addressing income inequality.
The impact of banking crises on economic stability.
The future of branch banking in a digital world.
The role of banks in facilitating international trade.
The impact of artificial intelligence on banking operations.
The challenges and opportunities of sustainable banking practices.
The role of banks in promoting financial literacy.
The impact of bank mergers and acquisitions on customers.
The challenges of implementing anti-money laundering regulations in the banking sector.
The role of banks in supporting the United Nations Sustainable Development Goals.
The impact of financial technology on banking job opportunities.
The challenges of managing cybersecurity risks in the banking industry.
The role of banks in financing renewable energy projects.
The impact of demographic changes on banking services.
The challenges of implementing digital identity verification in banking.
The role of banks in facilitating financial intermediation.
The impact of economic sanctions on banking operations.
The challenges of implementing Basel III regulations in emerging markets.
The role of banks in supporting the growth of small and medium-sized enterprises.
The impact of consumer behavior on retail banking strategies.
The challenges of implementing real-time payments in the banking sector.
The role of banks in promoting financial stability.
The impact of banking regulations on the cost of credit.
The challenges of implementing sustainable finance practices in the banking industry.
The role of banks in supporting affordable housing initiatives.
The impact of banking innovations on financial inclusion in developing countries.
The challenges of implementing instant payments in cross-border transactions.
The role of banks in addressing climate change risks.
The impact of online banking on branch closures.
The challenges of implementing data protection regulations in the banking sector.
The role of banks in financing education and healthcare.
The impact of banking regulations on the profitability of small banks.
The challenges of implementing real-time fraud detection in banking.
The role of banks in promoting gender equality in access to finance.
The impact of customer trust on banking relationships.
The challenges of implementing blockchain technology in the banking industry.
The role of banks in supporting disaster recovery efforts.
The impact of banking regulations on cross-border capital flows.
The challenges of implementing biometric authentication in banking services.
The role of banks in supporting financial resilience.
The impact of banking innovations on customer loyalty.
The challenges of implementing sustainable supply chain finance in the banking sector.
The role of banks in promoting responsible lending practices.
The impact of banking regulations on financial innovation.
The challenges of implementing real-time liquidity management in banking.
The role of banks in supporting cultural and creative industries.
The impact of banking crises on bank lending behavior.
The challenges of implementing instant payments in the gig economy.
The role of banks in promoting social impact investing.
The impact of banking regulations on bank profitability.
The challenges of implementing artificial intelligence in customer service in banking.
The role of banks in supporting financial education in schools.
The impact of banking innovations on financial risk management.
The challenges of implementing sustainable procurement practices in the banking sector.
The role of banks in promoting responsible investment.
The impact of banking regulations on financial stability in emerging markets.
The challenges of implementing real-time customer onboarding in banking.
The role of banks in supporting cultural heritage preservation.
The impact of banking crises on bank lending to small businesses.
The challenges of implementing instant payments in government transactions.
The role of banks in supporting impact entrepreneurship.
The impact of banking regulations on cross-border banking activities.
The challenges of implementing artificial intelligence in credit risk assessment in banking.
The role of banks in promoting financial literacy among vulnerable populations.
The impact of banking innovations on financial crime prevention.
The challenges of implementing sustainable insurance products in the banking sector.
The role of banks in supporting sustainable agriculture and food security.
The impact of banking regulations on financial inclusion in rural areas.
The challenges of implementing real-time transaction monitoring in banking.
The role of banks in promoting responsible corporate governance.
The impact of banking crises on bank lending to households.
The challenges of implementing instant payments in the healthcare sector.
The role of banks in supporting social entrepreneurship.
The impact of banking regulations on cross-border payment systems.
The challenges of implementing artificial intelligence in anti-money laundering in banking.
The role of banks in promoting financial literacy among young people.
The impact of banking innovations on sustainable finance.
The challenges of implementing sustainable supply chain finance in global banking networks.
The role of banks in supporting renewable energy investments.
The impact of banking regulations on financial stability in post-conflict countries.
The challenges of implementing real-time fraud prevention in mobile banking.
The role of banks in promoting responsible investment in emerging markets.
The impact of banking crises on bank lending to the real estate sector.
The challenges of implementing instant payments in the education sector.
The role of banks in supporting social impact bonds.
The impact of banking regulations on cross-border remittances.
The challenges of implementing artificial intelligence in customer relationship management in banking.
The role of banks in promoting financial literacy among senior citizens.
The impact of banking innovations on sustainable development finance.
The challenges of implementing sustainable supply chain finance in the global fashion industry.

These essay topic ideas provide a comprehensive overview of the vast array of issues within the field of banking. Whether you choose to explore the impact of digital banking, the role of banks in promoting sustainability, or the challenges of implementing new technologies, there are countless avenues for research and analysis. By selecting a topic that piques your interest, you can delve deeper into the complexities of the banking industry and contribute to the ongoing development of this crucial sector.

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The Banking System and Its Policies Essay

To find inspiration for your paper and overcome writer’s block
As a source of information (ensure proper referencing)
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Banks are an integral part of the modern financial system, without which the economy cannot fully function. In addition, due to the magnitude of the influence of these organizations, they directly affect the daily life of every person, constantly participating in it. Most people in today’s high-tech world depend on banks and are receptive to even small policy changes. This paper aims to analyze the role of banks in everyday life and the impact of changing banking policies on personal decision-making.

These financial institutions are actively involved in the economy at various levels. However, one of the primary roles of banks is the position of an intermediary (Gobat, n.d.). They accept money from those who want to keep it safe, thus forming deposits, and give money to those who need it, creating a system of loans (Gobat, n.d.). Therefore, one of the most prominent roles of a bank for the average person is a money vault. This financial institution, in this context, can be a reliable safe that will keep existing funds protected, optionally even increasing them in volume by paying interest on deposits. On the other hand, a bank can be a source of loans in cases where a person does not have the opportunity to save up or is in an emergency.

Both of these roles are the most apparent manifestations of banking intermediary functions. However, in today’s world, people are much less likely to go directly to bank buildings with any specific deposit or loan request. Nevertheless, these changes do not reduce the volume of interaction with them. This is actively facilitated by the spread of modern technologies, such as bank cards and contactless payments. These funds allow people to make cashless payments, which is often much more convenient. However, these operations require an individual to constantly contact a bank since all non-cash transactions can only occur through money exchanges in the banking system. Thus, an additional role of banks in the daily life of a person is to maintain the financial system and ensure the smooth operation of all monetary transactions.

The latter factor strongly influences a person’s life, imposing a range of restrictions and financial policies that they must keep in mind. As a consequence, even small policy changes can have a significant impact on important life decisions. The simplest example would be a change in interest rates on loans issued by banks. People often turn to the credit system when they urgently need to acquire a large amount of money to implement a decision. For example, I might need to make a significant purchase that should serve as the basis for a future business. It can be acquiring a new computer or specialized hardware or software with which I plan to earn money. In such a case, an increase in the interest rate would mean a higher final payment on the loan, which I would not be able to afford, forcing me to postpone my plans temporarily. Simultaneously, the opposite situation is also possible – introducing certain credit concessions that can push a person to finally implement long-drawn strategies.

Thus, banks play a significant role in a person’s daily life, ensuring the safety of the financial system and serving as intermediaries in most monetary transactions. Thanks to the development of modern technologies, almost every adult, in one way or another, interacts with banks almost daily, for example, by making cashless payments. As a result, there is a need to monitor changes in banking financial policies closely since they can significantly affect both a person’s routine and their important life decisions.

Gobat, J. (n.d.). Banks: At the heart of the matter . International Monetary Fund. Web.

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194 Banking Essay Topics

🏆 best essay topics on banking, ✍️ banking essay topics for college, 👍 good banking research topics & essay examples, 🌶️ hot banking ideas to write about, 🎓 most interesting banking research titles, 💡 simple banking essay ideas, ❓ banking essay questions.

Information Systems Evolution in the Banking Industry
Bank Street Curriculum: Implementation and Assessment
Online Banking Fraud Risk Awareness
The Impact of the Internet on Banking
Information Technology and Banking Sector
Risk Management Strategies of Bank of America
Bank Reconciliation: Theft and Control Deficiencies
Banking and Inventory Management This assessment analyses the inventory management as a tool for achieving successful supply chains and resilience in the banking services industry.
Banking Merger, Its Benefits and Consequences The paper seeks to discuss the effects of mergers in the banking industry on the public especially in the United Kingdom.
Starling Bank’s Environment and Resource Analysis Starling Bank turned out to be a promising financial institution that appeared on the market, correctly assessing the main trends and joining them.
DBS Bank’s Digital Transformation Strategy DBS is now one of the best banks to use in Asia. This study will analyze the strategies used and their effectiveness in digitizing the bank.
Bank of Credit and Commerce International Case When the branch offices of the Bank of Credit and Commerce International (BCCI) in seven countries were raided in early July 1991, one of the major bank scams involving billions of dollars was brought to light.
The Bank Robbery Crime Investigation The primary objective of securing the crime scene is to preserve all the evidence that can help trace and identify the bank robbery suspect.
Standard Chartered Bank Managing Human Resources This report is a case study on Standard Chartered, and the strength-based approach in the bank has been discussed with its benefits and also disadvantages.
Barclays Bank’s Strategic Analysis Barclays Bank is among the largest financial services. The paper analyzes the bank’s external business environment, financial position, and recommendations.
TD Canada Trust Bank’s Performance Management The performance management system implemented in the TD Canada Trust Bank corresponds to the international financial sector management standards.
Sustainable Solutions for the Bank of America Tower The following paper analyzes the current constraints present on the bank based on the building usage, the existing construction, the site, and the location.
The Toronto-Dominion Bank in the Industry The Toronto-Dominion Bank measures its effectiveness using a personnel engagement score, optional labor turnover, and industry comparison.
Punjab National Bank Housing Finance Company: Case Analysis Punjab Nation Bank Housing Finance Limited has experienced stagnant growth since its incorporation with other partners in 1988.
The Goals of a Banking Institution The management should ensure that effective structures are in place to align the firm’s resource so that the aims and objectives are met.
Transformational Leadership in Pakistan’s Banking Sector The report tries to explicate the degree of diffusion of transformational and transactional leadership across the banking sector in Pakistan.
Barclays Bank’s Talent Management The Barclays Bank in Stanford has successfully organised its human resource management approach to internalise the aspects of employee equity.
Managing Employees Performance at HSBC Private Bank and Theoretical Analysis of Performance For a better understanding of Managing Employee Performance this paper would go for HSBC, the UK as a case study and then go for theoretical analysis.
Co-operative Banking Group’s Enterprise Software The report illustrates how implementation of ERP system in Co-operative banking group will help in improving the firm’s accounting, inventory as well as logistics practices.
Finance: The Currency School-Banking School Debate The period of the 1840s in the history of the economic thought is characterized by a significant controversy observed between the Currency School and Banking School.
Barclays Bank’s Decision-Making & Risk Management Barclays Bank has a clear and progressive vision of the decision-making process, with risk management being the most elaborate one.
The Structure and Functions of the World Bank The paper highlights the structure and functions of the World Bank and the United Nations in the global arena. It centered on the reasons behind the formation.
The Impact of the COVID-19 Pandemic on the Standard Chartered Bank This paper will explore the impact that the COVID-19 pandemic had on the Standard Chartered bank, the development of technology, and its influence on human resource management.
Impact of Bank Regulation, Market Structure, and Institutions on Cost of Financial Intermediation Through the process of intermediation, the financial institutions are able to ensure that there is an effective flow of funds.
National Australia Bank: Corporate Social Responsibility This paper explores corporate social responsibility through an analysis of a company selected from the database of the world’s most ethical companies.
Bank of America and Financial Analysis Bank of America is a leading US financial institution. An analysis of the Strengths, Weaknesses, Opportunities, and Threats (SWOT) is essential when planning the Bank’s future.
Corporate Social Responsibility in Bangladesh’s Banking Sector CSR practices by banks in Bangladesh not only enhance their accountability but also boost their success and influence the socially responsible behaviors of other firms.
Bank Management and Business Report Analysis This report is prepared in the interest of a bank that is planning to increase their sales performance, with the aim to provide an opinion on how sales should be improved.
Banking, Its Ancient and Modern History The history of banking dates back to Ancient Greece and the Roman Empire. The first prototypes were created by merchants around 2000 BC in Assyria and Sumeria.
HSBC Bank’s Staffing Change: Communication Plan This work shows the communication plan for the change in staffing at HSBC Bank, identifies its key trends, assumptions, and risks, and gives a SWOTT analysis of the organization.
Mobile Banking Development and Analysis Project This research will be discussing the application of a mobile banking application, its effects, and its benefits to the consumers.
Island Banking Services: Cybersecurity Strategy and Implementation Plan This paper aims to describe the cybersecurity strategy and its implementation plan for Island Banking Services that is a firm that works in Financial Transactions Processing.
HSBC Bank and Barclays Bank: Comparison and Risk Exposures This paper focuses on the evaluation of the financial performance of HSBC bank and Barclays bank since the start of the global financial crisis.
Analysis of Abu Dhabi Commercial Bank Abu Dhabi Commercial Bank is a full-service commercial bank that provides a broad range of products and services, for instance, retail banking, management of wealth and others.
Attempted Bank Robbery Criminal Justice Case The suggested case describing the plan to commit a crime of bank robbery is characterized by several elements that are commonly identified in crime attempts.
International Logistics, Business, and Banking Conservative decisions are quite typical in the realm of financial operations for numerous reasons, the high possibility of a failure as a result of the lack of proper testing.
Time Management for Students in Bahrain’s Banking This research is aimed to study the opinions and attitudes towards time management among the students at Bahrain University and the country’s financial sector.
Corporate Governance in the Banking Industry Work utilizes the stakeholder theories and the stewardship presumption to shows how corporate governance contributes to higher standards of accountability in the banking industry.
The Bain & Co. and the Old Family Bank Analysis This paper aims at a holistic and comprehensive analysis of Bain & Co. and the Old Family Bank from the point of view of internal and external aspects.
Bank’s Digital Trends, Opportunities, and Threats The essay demonstrates the most crucial digital opportunities and threats for a commercial bank. The strategies to reduce the number of abandoned baskets are discussed.
Banking Policy Regulation: Lending to Minorities The lenders argue, many minorities take loans which they cannot afford to pay. Some households take mortgage loans with anticipation that the prices for these houses will increase.
Chinese Bank’ Human Resources Management The paper analyses HRM through an examination of new approaches, recruitment and selection, monitoring and rewarding at the Industrial and Commercial Bank of China.
Commercial Bank’s Profitability in Austria The analysis done in this paper shows that there is a close relationship between gross domestic product and commercial banks’ profitability in Austria.
Evolution of Modern Banking: Middle Ages to Present The history of banking began around 2000 BCE in Assyria, Sumeria, and India when wealthy families kept gold and silver coins in their homes.
World Bank’s Contribution to Sustainable Development Goals The essay examines the role of the World Bank in bolstering the Sustainable Development Goals measures to combat poverty and promote development.
Banking in the United States of America The banking system of the United States of America is one of the youngest, and banking has its own specifics with a lot of restrictions and even archaic elements.
Mergers and Acquisitions in the Banking Sector This paper discusses mergers in the banking sector, reasons for a wave of mergers between banks, and difficulties that acquiring banks may face in the future.
The Effectiveness of the World Bank The World Bank has been ineffective in its roles because of the poor review of projects, weak implementation of organizational policies, and failure to alleviate extreme poverty.
Problems With Improve Bank Services Some of the problems that banks are likely to encounter while attempting to deliver solid customer service include privacy laws, fair lending policies, and debt securities.
Macroeconomic Theory: Barclays Bank in the UK For purposes of this study, we will analyze how the national economy can affect the performance of Barclays Bank, a major Public Limited Company.
Waiting Lines Situation at Banking Organizations Hiring more personnel could be a solution to address the challenge of long queues at many facilities.
Mountain Bank’s Business Strategy Organizational profits rely on a good business strategic plan. For the case of Mountain Bank, the profits have been declining as a result of the poor business strategic plan.
The Lehman Brothers Bank Collapse The main purpose of this study is to examine the financial crisis of 2008-2010 on public discourse with regard to the collapse of Lehman Brothers.
Barclays Bank’s Innovative Managerial Practices One of the most vivid examples of Barclays’s encouragement of entrepreneurship processes is the LifeSkills program.
Foreign Investment in Chinese Banking Sector: HR Policies China`s banking system and foreign investment policies have to survive numerous changes and improvements using its norms and guidelines in comparison to developing countries.
International Monetary Fund, World Bank, and World Trade Organization This paper studies three international financial organizations: the International Monetary Fund, the World Bank, and the World Trade Organization.
Electronic Banking Services in a Qatar Bank The present research is based on the context of e-banking services in Qatar, a small country with abundant natural assets. Banks in Qatar have not been able to get the majority of customers.
Benefits and the Challenges of Financial Restructuring for Bank Muscat – Oman Bank Muscat is a fiscal services company in Oman that offers retail banking, corporate banking, treasury, investment banking, asset management, and private banking.
Developing the Islamic Banking Cluster in the UAE The report’s mission is to develop the Islamic banking cluster in the UAE in order to be number one in Islamic Banking.
Investment Opportunity Analysis: British Banking Sector The Big Four British banks dominate the UK banking industry for a number of reasons, including their longevity, aggressive marketing, and service variety.
The Effect of Finance as It Relates to Banking in Our Society The purpose of this paper is to analyze the effects of finance as it relates to banking in the Cayman Islands.
Analysis of Islamic Banking and Finance The purpose of this article is to consider the features of Islamic banking, as well as the principles on which the relationship between the bank and customers is built.
Lloyd’s Tsb Bank Is Under Fire for Money Laundering Offense This research article discusses the role of the bank, either knowingly or unknowingly, in laundering the money obtained by cheating.
COVID-19 Effects for Truist Bank With the spread of COVID-19, causing many Americans to lose jobs and see financial hardships, Truist would need to focus on how they can help their customers in their times of need.
St. George Bank: Human Resources and Entrepreneurship St. George Bank should also come up with new methods to access their customers and also new channels on which the customers can get their services.
Analyzing Bank Performance: Risk Propositions This report points out some of the challenging circumstances that the banks and financial institutions may find themselves in if the crisis goes out of hand.
Doha Bank Qatar’s Strategic Thinking and Leadership Doha Bank Qatar involves its departments together with external agencies and customer firms to incorporate innovation and focus on change to achieve success in its operations.
National Australia Bank Analysis The national Australia bank has many programs which help it to adhere to the ethical regulations which govern all businesses in Australia.
The Central Bank Currency in the Monetary System The article examines the central bank currency in the monetary system. The people’s need to have control over money is the reason for the need for the central bank currency.
Key Learnings for Banking Sector During COVID-19 The changing nature of the modern business environment requires considering organizational development (OD) practices.
Information Gain in the Banking Sphere Information gain can be determined as a methodology that can be practically applied to the digitalization of payments in the banking sphere.
Customer Analysis via Entropy and Information Gain in Banking The introduction of big data analytics in the financial sector has provided bankers with countless opportunities to improve the quality of their services.
CNP Bank Card: Case Analysis This paper focuses on the CNP bank card case, which aims to create a method for forecasting credit-card defaults and identifying potential client bases for various credit instruments.
The Basel III Agreement in Banking The paper discusses Basel III. It is a global regulatory agreement that mandates banks to maintain particular leverage ratios and reserve capital levels.
Information Gain and Entropy Methods in Banking The paper reviews the methods of information gain and entropy used by banking companies and critically analyzes some alternatives that are possible to use.
Moroccan Central Bank’s Ethics and Systems The banking sector in the last two years has been impacted greatly by the COVID-19 pandemic. The situation led to the emergence of various innovations.
A Bank, a Grocery Store, and a Restaurant: The Cultural Features This paper analyzes the available cultural features of a bank, a grocery store, and a restaurant to determine the distinctive features of these public places.
America’s Banking Industry: Past, Present, and Future Banks are critical to the economic stability of a country. Banks are the primary option for borrowing, saving, and investing for millions of Americans in the United States.
People Analytics of the Qatar National Bank One of the biggest challenges in conducting people analytics research for the Qatar National Bank is working with unstructured data.
The National Banking Crisis Analysis The recent crisis at a national bank has attracted nationwide coverage due to its massive effect on the economy.
Qatar National Bank’s General Information Bank groups that have already developed the most efficient business models and managed to expand their operations globally are in a comfortable position.
The Community Reinvestment Act and the Banking Systems This paper aims to study the impact of the Community Reinvestment Act (CRA) on banking in communities of Arkansas, California, and Boston.
Islamic Banking and Its Development Problems Islamic banking’s main purpose is to perform the function of making payments and working with a considerable amount of money.
JPMorgan Chase Bank and Big Data The purpose of this paper is to analyze big data as technology concerning JPMorgan Chase and consider how it can be used shortly by this company.
AMZ Bank’s Main Problems and Their Solution As a result of the analysis of the AMZ bank and its activities, it was found that the main problem is a toxic culture and the resulting social and economic structure.
Banking: A Balance Sheet and an Income Statement The paper indicates that when compared to a balance sheet, an income statement presents a less defined and incomplete type of analysis.
Wells Fargo Bank Scandal in Southern California The scandal in Wells Fargo Bank emerged after the customers started receiving the cards in their mail and others noticed accumulating bank fees.
An Overview of Risks in Banking and Investments Credit ratings serve as vital tools for the investor, especially when they need a precise analysis of the organization’s position at a glance.
Green Initiatives of the Toronto-Dominion Bank The paper will assess the actions taken by Toronto-Dominion Bank in order to reduce its impact on the environment.
Organizational and National Culture in Banking The most important feature of commercial bank management is the continuous search for a productive compromise between the organizational and the national cultures.
Current Dynamics and Trends in Corporate Banking Sustainable financing is one of the emerging trends in corporate banking due to the consequences of the COVID-19 pandemic.
Banking Regulations Undermining Financial Crisis Traces of financial crisis and negative externalities have been present across the banking sector for the last several decades.
East Bank Regional Hospital System The paper presents reasons to support East Bank Regional Hospital’s decision to expand its services. The consideration of the diseases will meet the medical needs.
Change in Composition of Bank Funding Since 2008 The main components of bank funding are deposits, short-term debts, and long-term debts. Over 50% of bank funding originates from retail deposits.
Banks and Banking in Spain The Spanish legal framework has transformed banking and insurance services due to the creation of the EU single market.
Hull vs. Bank Case Study This case reflects the issue that occurred between the property tenants and the North Adams Hoosac Savings Bank. Harry transferred his interests in East Quincy and to his wife.
Competition in Islamic Banking Systems The main purpose of the research will be to investigate the effect of competition on profitability and the market power in the Islamic banking system.
Bank of Credit and Commerce International’s Criminal Activity This case provides adequate information on how BCCI bank was involved in a global financial crime of laundering billions of dollars globally.
Islamic Banking: Risk Management, Operations and Barriers Islamic banks have been opened all over the world and they have their own unique operations that depend on the rules and regulations of Islamic law.
National Bank of Bahrain Analysis This report attempts to analyze the characteristics that determine the attractiveness of the NBB to investors, namely its financial structure and corporate governance framework.
HSBC Bank Balance Sheet Analysis Financial accounts have different users; each user has specific needs they require from the accounts. Financial account users can be defined into two main segments.
Piggy Bank’s Sample Size to Estimate Mean Dollars To estimate a single population mean, the sample size should be the same as the population size. So, all the customers of Piggy Bank will have to be included in the sample.
Islamic Banking Features Analysis The purpose of the research will explore specific features within Islamic banking that impede the free flow of capital.
Improving the American International Bank Situation The research is targeted at offering several ways to better the American International Bank (AIB) current situation as well as outline its future opportunities.
Opening a Bank Office in Lithuania This paper will discuss the viability of opening a bank office in Lithuania. Opening a new office usually involves many risks, especially if the new area is not researched properly.
Information Age, Future, and Medical Banking Medical banking organized following the concept of patient-centered care can facilitate the shift from logical considerations to the particular needs of patients.
DuPont Analysis of the Chinese Bank of Communications The present report aims at applying DuPont analysis to evaluate the performance of the Chinese Bank of Communications (BoCom) against its competitor, China Merchants Bank (CMB).
Corporate Governance Against Financial Risk Up to Date With Banking Crisis The essay discusses financial problems, especially the financial banking crisis and how to deal with it and its risks, as well as the impact of corporate governance on it.
Opening a Bank Branch in Lithuania Lithuania is a perfect country to open a new branch of the regional bank. It is a highly developed state with significant achievements in economics and international trade.
The Bank of America on the Verge of Substantial Changes It is essential to find the right balance between the desire to improve the growth margins and the risk of losing everything through bankruptcy to profit and raise capital.
To Loan or Not to Loan: Taggert’s Bank Plans Taggert’s bank plans to extend its subprime loans and is exploring new lending methods that will increase its competitive edge.
The Crisis in UK Banking of 2007-2008 The combination of major economic shocks and the unprecedented global policy response to the banking crisis has generated exceptional uncertainties for household,
Wachovia Bank Financial Report Wachovia bank, which is now a part of Wells Fargo bank, was regarded as the fourth-largest bank holding company in the USA, the financial system of which was based on total assets.
Best Big Bank in Australia & Principal Agent Theory The paper reviewed the possible problems that occurred while the “Nucleus” referral system implementation in the Best Big Bank located in Australia.
The Analysis of Wells Fargo Bank Actions The Wells Fargo Bank was helping the mining companies to raise enough money to enhance their efficient exploitation of minerals on mountain tops.
Financial Market Regulation and Bank Activity Limitations The limitations on bank activity vary in countries, there are some similar processes: policies on bank’s capital, and the policies on the connection between banking and business.
Financial Management and Investment Banking This paper will focus on the primary markets, analyze the functions that investment bankers perform in the traditional process for issuing new securities.
Mobile Telephony Services Investing in Real-Time Banking Investing in new smartphone technology is a waste of time in poor markets. Investing in services through mobile telephone services seems to be the next big thing.
Improving Workplace Learning for the Bank Tellers Improving workplace learning for the bank tellers by first identifying the weaknesses or obstacles then developing a strategy towards addressing the weaknesses.
The Ethical Issues of Western Bank and Trust and Bobby’s Bagels Managers In this paper I am going to examine ethical issues in two companies: Western Bank and Trust and Bobby’s Bagel.
Geithner’s Bank Plan: Winners and Losers Joshua Zumbrun in his article “Geithner’s Bank Plan: Winners and Losers” in the “Forbes” offers banks to sell their bad assets – the loans and securities they cannot unload in the market.
The Grew of Financial World Crisis: Global Central Bank As Michael Mandel writes in his article, the financial world crisis flows out of the absence of a global central bank, which could have regulated the world financial movements.
Banking Bail-Outs and the Housing Market This paper focuses on the impact of the banking bail-out on the housing sector. The US banking bail-outs elicited spirited criticism and resistance from thousands of Americans.
St. George Bank. Profits and Perspectives. The financial statements of St. George Bank Ltd are legitimately prepared in accordance with Australian Accounting Standards, the Corporation Act of 2001.
Bank of America Launching New Online Services Bank of America successfully tested its new mobile banking service on a small-scale basis to determine the acceptability level among customers.
Abu Dhabi Islamic Bank’s Online Banking Services The purpose of this paper is to analyze modern online banking practices in the UAE, using Abu Dhabi Islamic Bank (ADIB) as an example.
Macroeconomics Interest Rates and Aggregated Supply: Demand in the Federal Reserve Bank The Federal Reserve Bank makes a decision to increase interest rates regardless of the fact that real wages do not rise.
Vision Bank’s Intercultural Communication: Problems and Recommendations The selected company for this report is Vision Bank. It provides banking, loans, financial advice, and consultancy services to customers in different regions.
Central Bank’s Communications Strategy The set of genres and a wide range of meditating technologies associated with the Central bank’s communications strategy can be perceived as portions of local organization action.
Global Political Economy: World Trade Organization, World Bank, and European Union This essay on global political economy will present answers to the attached questions. The answer to the first question will illuminate the exact functions of World Trade Organization.
Bank Solutions International’s Technology Gaps and Security Strategy Training of information staff and personnel would be done on a quarterly basis and this would reduce the effect of an outdated approach to problem-solving.
Global Financial Crisis and Banking System in Australia The recent global financial crisis affected almost all banks in the world with very few banks shielded from this misfortune.
Human Rights in Israel-Gaza and West Bank Regions The conflict in the Gaza region was a violation of human rights because the sovereignty of the state was not respected by foreign powers.
Veema Banking Company’s Investment in the UAE This report provides an analysis of the general business environment that Veemah Banking Company will meet during the employment of its investment endeavors in the UAE.
Grameen Banking System Alleviating Poverty This paper discusses various aspects of the Grameen banking system and focuses on how it has assisted communities, and evaluate its future success.
Bank’s Performance Financial Regulation Net income which signifies the profits that a bank makes after taxes gives us a direct view of a bank’s performance in terms of its ability to pay dividends as well as retain earnings.
Fraud Perpetrators in Banking Organizations Most of the fraud perpetrators are insiders. This is common among the lowly paid employees who have the feeling that their employers are paying them too less.
Barclays Bank History and Analysis Barclays bank is one of the oldest banks in the world. Its history dates back in the 17th century when, banking services were being introduced in the United Kingdom.
Bank Loan Manager: Job Analysis and Recruitment Bank loan manager is a rather profitable and respectable job, and its popularity and prestige have been growing during the last decade.
Goldman Sachs Group in Investment Banking Industry Goldman Sachs Group has had a long history in the context of the global economy and, therefore, has gained impressive experience over the years of its operations.
Hedging Strategy and Bank Risk Management Strategy for risk management is an essential step for banks. Hedging is a tool managing the financial risks that may emerge in the process of managing forwards and futures.
US Financial and Banking Reforms History The paper reviews articles that analyze the challenges of the US financial institution in 1832 and explain the significance of the US banking reforms under Nicolas Biddle.
Bank of America’s E-Business Challenges The promoters of the Bank of America have not conceded on the matter of going e-business. This problem has a direct relation to the size and financial ability.
The Asian Infrastructure Investment Bank’s Initiative The purpose of this paper is to discuss the implications of the Asian Infrastructure Investment Bank’s initiative and analyze three global connections with regard to the project.
State Bank’s and Real Estate Bank’s Collapse Today, the collapse of state banks is the problematic situation which is often associated with significant economic and political problems in the country.
The Rise of Islamic Banking in a Time of Economic Crisis On the surface, it may seem odd that Islamic banking is in such demand but when looked at from a cultural and religious perspective, it embodies the very essence of Islamic law.
Credit Quality in Banking Lending and Investment This paper analyses the credit quality problems of banking institutions’ lending and investment decisions over the last 30 years.
Barclays Bank’s Decision-Making and Leadership Barclays Bank Board comes up with the vision for the bank. It could be the expansion plans into the Middle East or the African continent.
Eastern Bank and First Bank & Trust Company Merger The Eastern Bank Corporation and the First Bank & Trust Company have different human resources policies. For the merger, a general HR management strategy should be developed.
China’s Asian Infrastructure Investment Bank China’s Asian Infrastructure Investment Bank is an organization intended to support infrastructural development in the region. The US and Japan voiced their disproval of the endeavor.
US Banking Expansion in Emerging Markets U.S. banking has contributed significantly to the development of financial markets of emerging countries such as China, Malaysia, Brazil, and others.
Major British Banking Group and Financial Crisis The purpose of this study is the assess the extent to which financial crisis in the United States of America contributed to the liquidity crash in the Major British banking group.
Bank of Japan’s Unconventional Monetary Policy In Japan, the supply of money is mainly controlled by the Bank of Japan with the help of monetary policy that is focused on inflation and interest rates.
World Bank’s Logistics Performance Index The World Bank’s Logistics Performance Index (LPI) is constructed to assist countries in determining the key challenges and opportunities in logistics.
The National Australia Bank’ Corporate Governance The purpose of this paper is to develop a critical analysis of NAB’s corporate governance in terms of the protocols and practices.
The Lehman Bank: Irregularities and Cybercrimes Henry Lehman had until recently been the head of one of the world’s largest and most successful investment bank. Smith was a professional who had worked for one of the Lehman Bank’s subsidiaries.
United States Banking Merger Relevance In the banking sector, mergers and takeovers have become very common. In this paper, the researcher will look at the relevance of banking mergers in the modern market.
Economics: Currency and Banking Schools Debates This thesis of the paper will be a statement about the importance of the Currency and Banking Schools, especially their influence on the decisions of policy-makers.
Financial Regulation by the IMF and the World Bank The International Monetary Fund and the World Bank use several instruments to regulate the balance of payments problems and other financial crisis that countries might have faced.
Does Customer Relationship Management Matter in the Banking System?
Have More Strictly Regulated Banking Systems Fared Better During the Recent Financial Crisis?
Does Banking Competition Alleviate or Worsen Credit Constraints Faced by Small and Medium Enterprises?
Can Bubble Theory Foresee Banking Crises?
Are Bank Holding Companies a Source of Strength to Their Banking Subsidiaries?
Does Banking Competition Affect Innovation?
Why Fixing the ‘Shadow Banking’ Sector Is Essential for the U.S. Housing Market?
Are Cooperatives the Weakest Link in European Banking?
Has the Global Banking System Become More Fragile Over Time?
Does Banking Regulation Cause Counterproductive Economic Dynamics?
Can Monetary Union Enhance Banking Competition?
How Does Banking Market Power Affect Bank Opacity?
Are Banking Supervisory Data Useful for Macroeconomic Forecasts?
Does Banking Consolidation Worsen Firms’ Access to Credit?
Are Banking Systems Increasingly Fragile?
How Does Banking Sector Globalization Affect the Banking Crisis?
Can Sustainable Banking Help Stimulate Economic Growth in Sub-Sahara Africa?
Are Labor-Saving Technologies Lowering Employment in the Banking Industry?
How Does Competition Affect Efficiency and Soundness in Banking?
Can Central Banking Survive the IT Revolution?
Are More Competitive Banking Systems More Stable?
Does Banking Consolidation Lead to Efficiency Gains?
Are Recoveries From Banking and Financial Crises Really So Different?
What Determines the Banking Sector Performance in Globalized Financial Markets?
Can the Chinese Banking System Continue to Grow Without Sacrificing Loan Quality?
Are Systemic Banking Crises in Developed and Developing Countries Predictable?
What Drives Banking Sector Fragility in the Eurozone?
Can Islamic Banking Increase Financial Inclusion?
Does Banking Sector Development Affect Economic Growth and Inflation?
What Are the Customer Perceptions Towards Banking Industry Marketing?

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These essay examples and topics on Banking were carefully selected by the StudyCorgi editorial team. They meet our highest standards in terms of grammar, punctuation, style, and fact accuracy. Please ensure you properly reference the materials if you’re using them to write your assignment.

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Banking Essay Topics

The importance of writing an essay on banking.

Writing an essay on banking is important for several reasons. First and foremost, it allows students to gain a deeper understanding of the banking industry and its role in the economy. By researching and writing about banking, students can learn about the various functions of banks, the impact of banking on individuals and businesses, and the regulatory framework that governs the industry.

Additionally, writing an essay on banking can help students develop critical thinking and analytical skills. They will need to gather and evaluate information, form their own opinions, and present their findings in a clear and organized manner. These skills are not only valuable in academia but also in the professional world, where the ability to analyze and communicate complex information is highly sought after.

Writing Tips for an Essay on Banking

Choose a specific topic: Banking is a broad subject, so it's important to narrow down your focus. Consider writing about a specific aspect of banking, such as the role of central banks, the impact of digital banking, or the challenges facing the banking industry.
Conduct thorough research: Use a variety of reputable sources, such as academic journals, books, and industry reports, to gather information for your essay. Make sure to critically evaluate the information and consider multiple perspectives.
Organize your thoughts: Create an outline to help you structure your essay. This will ensure that your arguments flow logically and that you cover all the necessary points.
Support your arguments with evidence: Back up your claims with data, statistics, and examples. This will make your essay more convincing and credible.
Edit and proofread: Once you have written your essay, take the time to revise and edit it. Check for grammar and spelling errors, and make sure your writing is clear and concise.

Overall, writing an essay on banking can be a valuable learning experience that helps students develop a deeper understanding of the industry and build important skills for their academic and professional careers.

The role of banks in the economy
The impact of digital banking on traditional banking
The future of banking: trends and developments
The role of central banks in the financial system
The importance of financial regulation in banking
The impact of globalization on banking
The ethical considerations in banking practices
The role of technology in shaping the future of banking
The challenges and opportunities in the banking industry
The impact of the COVID-19 pandemic on banking
The role of consumer behavior in banking
The importance of financial literacy in banking
The role of banks in promoting financial inclusion
The impact of climate change on banking
The role of risk management in banking
The future of branch banking in a digital world
The impact of artificial intelligence on banking
The role of big data in banking
The importance of cybersecurity in banking
The impact of fintech on traditional banking
The role of banks in supporting small businesses
The impact of interest rates on banking
The role of banks in promoting sustainable finance
The impact of mergers and acquisitions on the banking industry
The role of corporate social responsibility in banking
The impact of monetary policy on banking
The role of investment banking in the financial system
The impact of banking on economic development
The role of banks in managing financial crises
The impact of mobile banking on traditional banking services
The role of banks in wealth management
The impact of demographic changes on banking
The role of banks in the mortgage market
The impact of banking on income inequality
The role of banks in the payment system
The impact of banking on personal finance
The role of banks in the foreign exchange market
The impact of banking on real estate markets
The role of banks in the bond market
The impact of banking on stock markets
The role of banks in the insurance industry
The impact of banking on retirement planning
The role of banks in the derivatives market
The impact of banking on corporate finance
The role of banks in the commodities market
The impact of banking on sovereign wealth funds
The role of banks in the private equity market
The impact of banking on venture capital
The role of banks in the hedge fund industry
The impact of banking on alternative investments

Banks play a crucial role in the economy by providing financial services to individuals, businesses, and governments. They facilitate the flow of funds and credit, which is essential for economic growth and development. Banks also play a key role in the payment system, money transmission, and the allocation of resources in the economy.

One of the primary functions of banks is to accept deposits from individuals and businesses and provide them with a safe place to store their money. This is important because it allows people to save and earn interest on their savings, which encourages thrift and investment. Banks also provide loans and credit to individuals and businesses, which helps to finance consumption and investment.

Banks also play a crucial role in the payment system by providing a means for people to make and receive payments. This is important because it allows for the efficient exchange of goods and services, which is essential for economic activity. Banks also provide money transmission services, which allow people to send and receive funds domestically and internationally.

In addition to providing financial services to individuals and businesses, banks also play a key role in the government's fiscal operations. They help to finance government spending by purchasing government securities and lending money to the government. This is important because it helps to fund public infrastructure and services, which are essential for economic development.

Overall, banks play a crucial role in the economy by providing financial services to individuals, businesses, and governments. They facilitate the flow of funds and credit, which is essential for economic growth and development. Banks also play a key role in the payment system, money transmission, and the allocation of resources in the economy. Without banks, the economy would not be able to function effectively, and economic development would be hindered. Therefore, banks are an essential part of the financial system and play a crucial role in the economy.

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Banking Sector Development in Ethiopia

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Banking Essay Examples

The future of banking industry.

In the future, digital will enable us to be in perfect sync with the world around us. Synchronizing services and products with the data cloud around customers enable them to prosper anytime, anywhere. When the financial crisis shook the world, around ten years ago and...

The Way Credit Card Firms Deceive Cardholders

Making purchases with a credit card can feel as though you are not ever spending money, you do not have to hand over cash nor is the amount taken out of your account. Instead you receive a bill with a total of your purchases at...

The Structure of the Banking Sector: Private Vs. Government Ownership of Banks

Financial systems vary across all countries in the world and range from rudimentary to trailblazing, making some relatively fragile and others much more stout. There is a growing number of literature and empirical analysis that provide a ground of evidence that well- functioning financial systems...

Pros and Cons of International Expansion of the Banking Industry

The banking industry is the economic activities carried by financial institutions using deposits or saving from customers. Banks that capable to provide cross border financial services due to deregulations, technological improvements, increase of trading and foreign investments achieved international expansion for the banking industry as...

The History of Credit Card: from the Beginning to Nowadays

Nicita and Pagano mentioned in their book that the barter system is a methodology of exchange at the beginning of time for transaction payment. It's the system has been used for hundreds of years before cash currency was fabricated as people used it to changed...

The Problem of Credit Risk as the Main Task of the Bank

Banks offer many services but most of them are related to credit, for example, business loans, checking accounts, payment services, cash management. Banks act as brokers between supply and demand of securities, and they transform short-term deposits into medium- and long-term credits. One of the...

Ethical Reasoning Analysis of Wells Fargo Bank Debacle

This essay is an ethical reasoning analysis from a deontology normative theory prospective on what went wrong at Wells Fargo Bank in the years leading up to the debacle in September of 2016, and what they could have done to stop it from happening in...

Reflections on My Career in Banking: Lessons and Challenges

The manipulation of numbers is key in numerous subjects and this is what attracted me to the art of accounting and finance. My Dad helped this passion of mine flourish as we would always play critical thinking games such as Countdown and Sudoku in our...

It Governance in Indian Banking Industry

Banks constitutes a significant bond with a nation’s economic structure and thus their prosperity and wealth is critical for a healthy developing nation. Dramatic shift of financial markets is proof of remarkable makeover of Indian banking industry. Also globalization has added enhanced competition and consequently...

Value Creation Using Big Data Mining in Banking

The banking sector deals with an overwhelming amount of data on a day to day basis. Banks have historical records and customer information data dating back to decades. Manually leveraging such enormous amounts of data for making decisions is not only time consuming but involves...

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