Banking Systems Book

1. THE BUSINESS OF BANKING. Introduction to Banking. Role of Banks in the Economy. How the Banking System Works. Other Financial Institutions. 2. DEVELOPMENT OF U.S. BANKING. Creation of a National Currency. Banking Before 1913. Banking in the Twentieth Century. 3. THE FEDERAL RESERVE SYSTEM. Structure of the FED. Monetary and Fiscal Policy. Consumer Protection. Role in Determining Status of Bank's Financial Health. International Banking and the FED. 4. MONEY AND INTEREST. The Money Supply. Money Creation and Circulation. Interest and Interest Rates. 5. DEPOSITS IN BANKS. Deposit Accounts. Interest-Bearing Accounts. Flow of Deposits. Deposit Regulations. 6. NEGOTIABLE INSTRUMENTS. Types of Negotiable Instruments. Presenting Checks for Payment. Processing Checks. Changing Forms of Payment. 7. BANK LOANS. Underwriting Loans and Consumer Loan Theory. Bonds Competing with Loans. Granting and Analyzing Credit. Cost of Credit. Bank Loans and Policy. 8. MORTGAGES. Mortgage Lending. Mortgage Loan Processing. Mortgages and the Law. Government-Backed Loans. Predatory Lending. 9. COMMERCIAL LENDING. Commercial Loans. Commercial Credit Analysis. Small Business Loan Programs. 10. FOCUS ON THE BANKING CUSTOMER. Electronic Services offered to Customers. Customer Segmentation. Customer Loyalty. Customer Competition. 11. SPECIALIZED BANK SERVICES. International Banking. Insurance and Brokerage. Cash Management. Trusts. 12. ORGANIZATION OF BUSINESSES, FUNCTIONS AND PEOPLE. Organization Models of Banks. Workforce Demographics Changing. Bank as a Sales Branch for Third Parties. Determining Core Business Focus - Outsource or Partner? 13. PROMOTING THE BANK. Public Relations. Customer Service. Marketing. Security and Ethics. Robbery Prevention. Ethics in Banking. Identity Theft. Faud and Scams.