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Banking Industry Analysis

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Fifth Third Bank. Purpose of Report. Conduct a Banking Industry Analysis with a focus on: ... by which one can maintain bank accounts outside their country of ... – PowerPoint PPT presentation

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Title: Banking Industry Analysis


1
Banking Industry Analysis
  • Presented To
  • Board of Directors of
  • Fifth Third Bank

2
Purpose of Report
  • Conduct a Banking Industry Analysis with a focus
    on
  • Globalization
  • Deregulation
  • Technology

3
Topics Discussed
  • History of Banking
  • Banking Regulations and Deregulations
  • Effects of Deregulation on Industry
  • Globalization of Industry
  • Banking Technology

4
History of Banking
  • Panic of 1907
  • Federal Reserve Act of 1913
  • The Great Depression
  • 9,000 of 25,000 banks closed
  • Post WWII

5
History of Banking
  • Modern banking
  • Deregulation
  • Bank transformation into supermarket
  • Globalization
  • As the economy has globalized, so has the banking
    industry

6
Regulations and Deregulations
  • Glass Stegall Act 1933
  • Gramm-Leach-Bliley Act 1999
  • Allows the following to merge
  • Banks
  • Brokerages
  • Investment banks
  • Insurance Companies

7
Benefits of Legislation
  • White House estimates it will save consumers 18
    Billion annually
  • Keeps US firms competitive in todays global
    marketplace

8
Regulating Bodies
  • FDIC Insures deposits and promotes safe banking
    practices
  • Federal Reserve Acts as central bank promoting
    a stable monetary system

9
Regulating Bodies
  • SEC Protect investors and maintain integrity of
    securities market
  • OCC Charters, regulates, and supervises all
    national banks

10
Effects of Deregulations
  • Savings and Loan industry no longer profitable
  • Adapt to industry by offering other financial
    services
  • Consolidation

11
Effects of Deregulations
  • Bank fees
  • Banks needed to replace revenue lost due to
    increased competition
  • Common fees
  • ATM, late payment fees, monthly service charges
    and minimum balance fees

12
Common Services
  • Capital markets
  • Asset management
  • Mutual funds
  • Investment banking
  • Credit Cards (bankruptcy)

13
Marketing and Management Evolution
  • Customers seek service
  • vs.
  • Clients are sought to be served
  • Let things happen
  • vs.
  • Make things happen

14
International Banking
  • What is International Banking?
  • Opening of banks outside country of origin
  • Mechanism by which one can maintain bank accounts
    outside their country of residence
  • The competitive global market place requires
    banks to expand internationally

15
Global Marketplace
  • With corporations conducting business overseas,
    banks must help these companies handle
    international business transactions.
  • As banks and businesses work together, they take
    the first step into the heart of the competition
    for the new markets worldwide.

16
Foreign Exchange Market
  • Foreign Market is increasing immensely
  • The foreign exchange market is one of the most
    unpredictable aspects of international business
  • Many banks now offer companies experienced
    foreign exchange traders to help them conduct
    business overseas.

17
International Retail Services
  • Makes international travel easier
  • Foreign Currency
  • International travelers checks
  • Domestic/International wire transfers

18
Banking Technologies
  • The field of banking is experiencing rapid change
    due to developing technologies
  • Traditional banks may become obsolete as less
    costly measures are implemented
  • Internet banking is the wave of the future

19
Individual Technologies
  • WingspanBank seeks to expand upon Bank Ones
    previously established website
  • Intuit offers a comprehensive software package
    that is based on partnerships with numerous
    financial services

20
Individual Technologies
  • Netzee offers community banks the technology
    needed to transform themselves to full service
    financial institutions
  • W-Bank offers a wireless banking option

21
Banking in the Future
  • Banking in the future will focus on offering the
    client fast and full service
  • E-banking will be a major force in shaping the
    banks of the future
  • Constant technological advancements in the field
    of financial services will continue to
    revolutionize the industry

22
Conclusion
  • The financial service industry has undergone
    significant change
  • Deregulation, globalization and technological
    advances have led to the growth and development
    of financial supermarkets
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