Here is an inside look at the mechanics of banking for the business person who deals with banks on a regular basis. The many-faceted role of banks is explained, primarily as it relates to small and medium-sized businesses. Attention is given to matters such as business loans, international banking, account analysis, evaluating a bank's health, how banks analyze financial statements, and more.
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How Banks Work 7
Choosing the Right Bank
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account analysis accounts receivable activity amount Automated Clearing House balance sheet bank bank's banker bonds borrower Borrower's capital cash flow certificates of deposit CHAPTER PERSPECTIVE charge collateral commercial loan company's cost customers default deposit accounts depositors dollars draft earnings equipment expense fees figure financial statements going guarantee Guarantors important interest income interest rates INTRODUCTION AND MAIN inventory investment lend letter of credit liabilities liquidation loan committee loan officer loan officer's loan request look maturity ment normally Obligations overdrafts owners paid payable payment percent POINTS This chapter prime rate principal profit ratios real estate regulations relationship risk securities sell someone studying the material subordinated debt sweep account term loan terms and conditions there's things total assets transactions trust department turndown uncollected understand usually worth