Banking

Capitalism is an economic system based on the private ownership of the means of production and its use for the purpose of obtaining profit. This socioeconomic system has developed historically in several stages, and is defined by a number of constituent elements: private property, profit motive, capital accumulation, competitive markets, commodification, wage labor, and an emphasis on innovation and economic growth. Capitalist economies may experience business cycles of economic expansion followed by recessions.

A bank is a financial institution that accepts deposits from the public and creates a demand deposit while making loans. Lending activities can be directly performed by the bank or indirectly through capital markets.

thumb|right|upright=1.3|A bank sign in Malawi listing the interest rates for deposit accounts at the institution and the base rate for lending money to its customers In finance and economics, interest is payment from a debtor or deposit-taking financial institution to a lender or depositor of an amount above repayment of the principal sum (that is, the amount borrowed), at a particular rate. It is distinct from a fee which the borrower may pay to the lender or some third party. It is also distinct from dividend which is paid by a company to its shareholders (owners) from its profit or reserve,

thumb|upright=1.3|A South African cheque from 1933

a financial account maintained by a bank or other financial institution

Hypothec (; from Lat. hypotheca, from Gk. : hypothēkē), sometimes tacit hypothec, is a term used in civil law systems (e.g. the law of most of Continental Europe) to refer to a registered real security of a creditor over real estate, but under some jurisdictions it may additionally cover ships only (ship hypothec), as opposed to other collaterals, including corporeal movables other than ships, securities or intangible assets such as intellectual property rights, covered by a different type of right (pledge). Common law has two main equivalents to the term: mortgages and non-possessory lien.

banking and finance activity compliant with Islamic law

banking crisis when many clients withdraw their money from a bank, because they believe the bank may cease to function in the near future

thumb|upright=1.2|Libor gets its name from the City of London.

banking system where bank holds reserves equal to fraction of deposit liabilities

system that allows the transfer of money between savers (and investors) and borrowers

process of creating new money

type of regulation on commercial banks

financial product

banking services for very wealthy people

the agreement between a financial institution and its client

financial product; payment transfer from one current bank account to another bank account and initiated by the payer (not the payee)

An intermediary, also known as a middleman or go-between, is defined in various ways, according to context. In law or diplomacy, an intermediary is a third party who offers intermediation services between two parties. In trade or barter, an intermediary acts as a conduit for goods or services offered by a supplier to a consumer, which may include wholesalers, resellers, brokers, and various other services. "Intermediation" refers to a process matching two sides of a market, such as buyers and sellers by a third party such as a broker, agent, or wholesaler. One common example of intermediation

person who offered loans with extremely high interest rates, often with strict terms of collection

set of institutions by which a government provides money in a country's economy

non-bank financial intermediaries providiving services similar to banks outside banking

provision of services by a bank to individual consumers

economic system

government regulation which subjects banks to certain requirements, restrictions and guidelines

interest rate for a whole year

secure room within a bank where money, valuables, records, and documents are stored

measures of managing short-term cash in the company

project of the European Central Bank (ECB), for the possible introduction of a digital currency

organization responsible for safeguarding a firm's or individual's financial assets

type of bank that solely offers services remotely through telephone, online, or with ATMs

financial agency that gathers account information to predict a consumer's creditworthiness

market in which banks extend loans to one another for a short term

financial guarantee from a lender

type of bank that provides many kinds of banking services as both a commercial and investment bank

thumb|500px|Course of EONIA 1999–2009 Eonia (Euro Overnight Index Average) was computed as a weighted average of all overnight unsecured lending transactions in the interbank market, undertaken in the European Union and European Free Trade Association (EFTA) countries by a Panel of banks (the same as for Euribor) subject to the Eonia Code of Conduct.

interest rates to maintain banks' Federal Reserve balance in the U.S.

opportunities to access financial services

interest rate of overnight loans between banks

unfair and deceptive loan origination

non-fixed interest rate over the term of a debt

offering of loans exclusively from time deposits

financial institution below zero net worth

interest rate at which banks lend to customers with good credit

Euro Short-Term Rate is a reference rate for the currency Euro

financial services accessed through the telephone

instruction to a bank to pay a set amount at regular intervals

practice of managing financial risks that arise due to mismatches between the assets and liabilities as part of an investment strategy in financial accounting

a brief account of Indian banking

insolvency crisis for a bank institution, ending in failure or refinancing

economic model of bank runs and financial crises

noncallable regular coupon paying debt instrument

security representing ownership of an underlying number of shares of a foreign company

Financial ratio

international banking and financial conference

financial regulation requirement

Togolese finance minister

a single position job class having primary responsibility for the development, coordination, and production of economic and financial analysis.

Ratio of losses to gains

Belkart () is a Belarusian domestic payment system based on bank payment cards. The Belkart system is an integral part of the payment systems of the Republic of Belarus and is managed by the central bank of Belarus.

method of implementing microcredits