Summary: Banking Finances
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Financial markets and institutions
This is a preview. There are 3 more flashcards available for chapter 02/11/2020
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What are the 2 main sources of financing?
Financial markets and financial institutions -
In the debt and equity markets there are 2 ways to obtain funds for firms/ind. Which?
1 issuance of debt instruments 2 issuance of equities -
What is a disadvantage and a advantage of issuances of equities?
Disadv: they are only paid after all the debt holders
adv: the equity of their shares rises with the company, those of the debtors have a fixed rate -
What differs a primary market from a secondary one?
A primary market: issues newsecurities, company receives money
A secondary market: sells previously issuedsecurities, seller receives money -
Difference between a broker and a dealer?
A broker simply matches a buyer and a seller wheras a dealer participates in the trade as a principal, charges a markup or a markdown -
Difference between an exchange and a OTC
In a OTC deals are between buyer and seller directly not via an exhange, where there is a party to organize and secure the deal -
Bank balance sheet
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How does a bank use the money it has collected?
-reserves
-loans (commercial and private loans, interbank debt claims)
- investments (bonds, securities)
-standing facilities (deposit facility)
-other assets (buildings, machinery, car park,...) -
Time value of money
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What is a discount rate?
Interest rate used to compute present values of future cash flows (is when we back track how much interest we should earn now to have a specific amount in the future) -
What is a discounted cash flow (DCF)?
Method ofcalculating present value bydiscounting future cash flows (to know how much money we should have today for a future amount) -
Time value of money part 2
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What is Perpetuity? What is annuity?
perpetuity: stream of regular cash payments that never ends
annuity: A stream of regular cash payments with a finite maturity
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