Die Aktienbanken in Schleswig-HolsteinH. Möller, 1906 - 32 pages |
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Common terms and phrases
Abschreibung Accepte Aktien Aktiva Altonaer Bank Angaben Anleihe Apenrade ausgestellt Avale Bankgeschäft besonders Bestand Betrag bills börsengängige börsengängige Wertpapiere Branderup Brauereien Bürgschaft Büsum Debitoren Deckung von Forderungen discounts Eckernförde Effekten Einzahlung Elmshorn Entwickelung eröffnete die Bank Fehmarn'sche Bank Filiale in Flensburg Filiale in Husum Firma Flensburg Forderungen erworben Friedrichstadt garnicht Gegenwärtiges Aktien-Kapital Geschäfte Geschäftsbericht grosse Grundstücke Hamburger Börse Handelsregister Hanerau-Hademarschen Heide Henstedt Holsten-Bank Husum Hypotheken Itzehoe Jahrbuch der Hamburger Kapital Kellinghusen Kiel Kieler Bank Konkurse Konten Kontokorrentforderungen kostenfrei Kredit Kreditoren Kundschaft Leipzig Loeb Lombard-Darlehen Meldorf namentlich Neumünster Niederlassungen Nordfriesische Bank Nortorf Ökonomist Ottensen Pfandbriefe Rae a. a. rediskontiert Reichsbank Reingewinn Rendsburg Riesser Saldo sämtlichen Geschäftsstellen Schecks Schleswig Schleswig-Holsteinische Bank schleswig-holsteinischen Aktienbanken Simon Sonderburger Sonderburger Bank Spar Stck Stern a. a. Tätigkeit Tondern Tönning übernahm die Bank Umwandlung unserer Vereinsbank Verluste erlitten Vermittlungsagent verschiedenen Vorstandsmitglieder Weber a. a. Wechsel Wertpapieren Wesselburen Westholsteinische Bank Zinsen und Provisionen Zweigniederlassungen
Popular passages
Page 19 - ... these complacencies as with a thunderclap. The losses of Overend, Gurney & Co. were enormous, but they stood eclipsed in the awful shadow of the other failure. Shameful as were some of the figures of the great discount house, they failed to reach the altitude of five millions of loss on four accounts. If it be asked how such evils arise and are developed, the answer is not far to seek — they arise from transactions entered upon, either in sheer ignorance or in reckless violation of the fundamental...
Page 19 - ... never have arisen. When you assume the management in chief, therefore, of the District Union Bank, the homely ways of banking which you have followed in Oxborough with success, will be found of equal soundness, if practised at headquarters ; although you may have to apply them on a larger scale. But let the largeness of the scale be always within the limits of moderation, and let your face be resolutely set against ' big accounts,' no matter how large the apparent profit on them may be, unless...
Page 31 - ... total of a million and a half, in order to replace the deficiency on this ill-starred bill for £5000. A banker's choice of firstclass bills had needs be infallible, when these may be the consequences of a single slip. It has further to be noted, that the risks of a banking business are not measurable by the moneys owing to a bank on its discounts, overdrafts, or advances, on any given day ; because the items which constitute these aggregates as they stand are in the course of perpetual change....
Page 20 - Fischer, 1914. (Sammlung nationalökonomischer und statistischer Abhandlungen des staatswissenschaftlichen Seminars zu Halle, herausgegeben von Conrad, 7o.
Page 22 - I say, if any, because it is to be desired that your Bank may have no such untoward burdens to carry, as a few huge accounts, absorbing a large portion of its capital, and uncovered, or imperfectly covered, by security. Every bank failure which has happened during the last forty years, has been brought about by reason of facilities of scandalous extent granted to three or four favoured accounts. I have before me some particulars, taken from the detailed balance-sheet of a bank, with a paid-up capital...
Page 31 - The bills and advances due and paid to-day, will be succeeded by fresh discounts and advances tomorrow ; so that, to find the true measure of banking risk, we must take the sum turned over in these transactions. Taking your bills of exchange, for example, your investment in them is turned over, on the average, four times in the year. Your banking risks on Bills of Exchange alone, therefore, extend to .£4,760,000 in the course of the twelve months. You discount fresh bills, and consequently incur...
Page 31 - Taking your bills of exchange, for example, which we put at ;£ i, 190,000, your investment in them is turned over, on the average, four times in the year. Your banking risks on bills of exchange alone, therefore, extend to £4,760,000 in the course of the twelve months. You discount fresh bills, and consequently incur fresh risks, to that amount, and thus invest and re-invest, in discounts alone, a sum equal to your entire capital and .;est ten times a year.
Page 26 - Reservefonds"8), gaüz unrichtig, denn reell bedeckt sind beide Arten von Reservefonds und der Unterschied zwischen denselben besteht nur darin, daß im Falle der Verwendung eines speziell bedeckten Reservefonds gerade die diesem Fonds zugewiesenen Aktiven realisiert werden müssen, während im Falle der Heranziehung eines nicht speziell bedeckten Reservefonds die am besten und leichtesten zu verwertenden Aktiven versilbert werden können.
Page 28 - Grattungen und die Bilanzwerte einzeln anzugeben, b) Nichtbörsengängige (Einteilung wie bei a). 7. Konsortialbeteiligungen. Hier sind alle Beteiligungen der Bank an Aktien und Obligationen von Aktiengesellschaften und Beteiligungen bei Gesellschaften mit beschränkter Haftung zu buchen, auf denen noch eine eventuelle Nachzahlungsverpflichtung ruht, oder über welche der Bank das Recht freier Veräußerung nicht zusteht. Die Spezifikation des Konsortialkontos hat in gleicher Weise wie die des Effektenkontos...
Page 31 - ... series of risks run off, they are immediately replaced by others. The bills and advances due and paid to-day, will be succeeded by fresh discounts and advances to-morrow ; so that, to find the true measure of banking risk, we must take the sum turned over in these transactions within a given period, and not their mere aggregates at a given date. Taking your bills of exchange, for example, which we put at £1,190,000, your investment in them is turned over, on the average, four times in the year.