Banking business website template

Banking business can be divided into two parts based on business complexity and dependence on outlets: one part is traditional business, including general loans, simple foreign exchange transactions, trade financing, etc., which are mainly supported by a large branch network and business volume. In addition, there are complex businesses, such as derivatives, structured financing, leasing, introduction of strategic investors, mergers and acquisitions, listings, etc. These are not very dependent on the branch network, but are high-tech and high-profit business areas.
According to the composition of its balance sheet, banking business is mainly divided into three categories: liability business, asset business, and intermediary business.
Liability business is the business that forms the source of funds for commercial banks and is an important basis for commercial banks’ intermediary businesses and assets. The liability business of commercial banks mainly consists of deposit business, loan business, interbank business, etc. Liabilities are debts that a bank assumes as a result of credit and will be repaid with assets or capital and can be measured in currency. Deposits and derivative deposits are the bank's main liabilities, accounting for more than 80% of its funding sources. In addition, interbank deposits, interbank deposits, borrowed or placed funds, or bond issuances also constitute the bank's liabilities.
Asset business is the business of commercial banks using funds, including loan business, securities investment business, and cash asset business.
Intermediary business refers to the business that does not constitute the assets on the commercial bank's balance sheet or the liabilities on the balance sheet that form the non-interest income of the bank, including transaction business, clearing business, payment and settlement business, bank card business, agency business, custody business, guarantee business, commitment business, Financial management business, electronic banking business.