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  • Bank Dictionary

Banking Dictionary

Banking is an industry that deals with cash, credit, and other forms of money. Banks provide a secure environment for storing excess cash and credit. Savings accounts, certificates of deposit, and checking accounts are all available. These deposits are used by banks to provide loans. Home mortgages, business loans, and auto loans are all examples of these types of loans.

Even native speakers may find financial words unfamiliar, although they are useful to everyone. You might wish to work in a bank. It's possible that you'll need to travel for business or conduct business in another country and need to know a few banking-related terms.

Shape Shape
    Safe harbor lease
    Safekeep
    Safety cushion
    Safety-net return
    Sale and lease-back
    Sale
    Sales charge
    Sales forecast
    Sales-type lease
    Salvage value
    Salvage
    Samurai bond
    Samurai market
    Savings and
    Savings deposits
    SBIC
    Scale
    Scale Economies
    Scale enhancing
    Scale in
    Scalp
    Scalping
    Scenario analysis
    Scenario testing
    Scheduled cash flows
    Scheduled Termination Date
    Scrittura?
    Search costs
    Seasoned datings
    Seasoned issue
    Seasoned new issue
    SEBI
    SEBs
    SEC
    Second pass regression
    Secondary issue (1)
    Secondary market
    Secondary market
    Section 1256 Contracts
    Section 482
    Section 988 Transaction
    Sector
    Secured debt
    Securities & Exchange Commission
    Securities analysts
    Securities and Exchange Commission (SEC)
    Securities and Exchange Surveillance Commission (SESC)
    Securities Industry and Financial Markets Association
    Securitisation
    Securitization
    Security
    Security
    Security characteristic line
    Security deposit (initial)
    Security interest/Pledge
    Security market line
    Security market plane
    Security selection
    Security selection decision
    Seeding
    Segregation
    Selective Credit Control (SCC)
    Self-liquidating loan
    Self-selection
    Sell hedge
    Sell limit order
    Selling group
    Sell-side analyst
    Semi-strong form efficiency
    Senior debt
    Senior Debt
    Seniority
    Sensitivity analysis
    Separation property
    Separation theorem
    Serial bonds
    Serial Bonds
    Serial covariance
    Series (of options)
    Series bond
    Series Bond
    Series Options
    Service Charge
    Service Provider
    Serving notice
    Set of contracts perspective
    Settlement
    Settlement
    Settlement date
    Settlement method election
    Settlement pre-matching
    Settlement price
    Settlement Price
    Settlement rate
    Settlement risk
    Seykota, Ed
    SEZ
    SFC
    Share repurchase
    Shareholders
    Shareholders' equity
    Shareholders' letter
    Shares
    Sharpe benchmark
    Sharpe ratio
    Sharpe ratio
    Shipper
    Shirking
    Shock absorber
    Shogun bond
    Shop Wall
    Shopping
    Short
    Short bonds
    Short book
    Short form (Transaction supplement)
    Short hedge
    Short interest
    Short position
    Short Position
    Short sale
    Short selling
    Short squeeze
    Short straddle
    Short
    Shortage cost
    Shortfall risk
    Short-run operating activities
    Short-term financial plan
    Short-term investment services
    Short-term Loan
    Short-term solvency ratios
    Short-term tax exempts
    Shout option
    SIC
    SICA
    Side effects
    Sight draft
    Signal
    Signaling approach
    Signaling view (on dividend policy)
    SIMEX (Singapore International Monetary
    Simple compound growth method
    Simple interest
    Simple linear regression
    Simple linear trend model
    Simple moving average
    Simple prospect
    Simulation
    Single country fund
    Single factor model
    Single index model
    Single-index model
    Single-premium deferred annuity
    Sinker
    Sinking fund requirement
    Sinking Fund
    Size
    Skewed distribution
    Skip-day settlement
    Sleeve
    Slippage
    Small and Medium-Sized Enterprises (SME)
    Small Bang Protocol
    Small issues exemption
    Small-firm effect
    Smithsonian agreement
    Snowballs
    Snowblades
    Society for Worldwide Interbank Financial Telecommunications (SWIFT)
    Soft Capital
    Soft Credit Event
    Soft currency
    Soft dollars
    Sole proprietorship
    Sovereign
    Sovereign risk
    Span
    Spark spread
    Special dividend
    Special drawing rights (SDR)
    Special Purpose Vehicle (SPV)
    Special Purpose Vehicle
    Specialist
    Specific issues market
    Specific risk
    Specific risk
    Spectail
    Speculative demand (for money)
    Speculative grade bond
    Speculative motive
    Speculator
    Speed
    Spin off
    Spinning reserves
    Split
    Split-fee option
    Split-rate tax system
    Spot exchange rates
    Spot futures parity theorem
    Spot interest rate
    Spot lending
    Spot markets
    Spot month
    Spot price
    Spot price/rate
    Spot rate
    Spot rate curve
    Spot trade
    Spread
    Spread (bid /offer)
    Spread (credit)
    Spread income
    Spread strategy
    Spreadsheet
    Stakeholder
    Stakeholders
    Stand-alone principle
    Standard deviation
    Standard error
    Standard Settlement Instructions (SSIs)
    Standardized normal distribution
    Standardized value
    Standby agreement
    Standby fee
    Standby Letter of Credit
    Standstill agreements
    Stated annual interest rate
    Stated conversion price
    Stated maturity
    Statement billing
    Statement of cash flows
    Statement of Financial Accounting Standards No. 8
    Statement of Financial Accounting Standards No.52
    Statement
    Statement-of-cash-flows method
    Static theory of capital structure
    Statutory Audit
    Statutory surplus
    Steady state
    Steepening of the yield curve
    Stepping in
    Stepping out
    Step-up
    Step-up bond
    Stochastic models
    Stock
    Stock Borrow Loan (SBL)
    Stock consolidation
    Stock dividend
    Stock exchanges
    Stock Index
    Stock Index futures/options
    Stock index option
    Stock market
    Stock market
    Stock option
    Stock replacement strategy
    Stock repurchase
    Stock selection
    Stock split
    Stock split
    Stock ticker
    Stockholder
    Stockholder equity
    Stockholder's books
    Stockholder's equity
    Stockout
    Stocks
    Stop limit order
    Stop order
    Stop order (or stop)
    Stop-loss order
    Stopping curve
    Stopping curve refunding
    Storage certificate
    Straddle
    Straddle
    Straight value
    Straight voting
    Strangle
    Strategic Petroleum Reserve (SPR)
    Stratified equity indexing
    Stratified sampling approach to indexing
    Stratified sampling bond indexing
    Street name
    Strike index
    Strike price
    Strike price differential
    Strip mortgage participation certificate (strip PC)
    Stripped bond
    Stripped mortgage-backed securities (SMBSs)
    Strong-form efficiency
    Structured debt
    Structured portfolio strategy
    Structured settlement
    Subject
    Subject to opinion
    Subjective probabilities
    Subordinated debenture bond
    Subordinated debt
    Subordination clause
    Subpart F
    Subperiod return
    Subprime
    Subscription price
    Subsidiary
    Substitute sale
    Substitution swap
    Sum-of-the-years'-digits depreciation
    Sunk costs
    Super senior
    Supermajority
    Supply shock
    Support level
    Surplus funds
    Surplus management
    Sustainable growth rate
    Swap
    Swap 1)
    Swap assignment
    Swap buy-back
    Swap Data Repository (SDR)
    Swap Execution Facility (SEF)
    Swap option
    Swap rate
    Swap reversal
    Swap sale
    Swap
    SwapClear (LCH)
    Swaption
    Swaption
    Sweep account
    Swing (gas) 1)
    Swingline facility
    Swissy
    Switch
    Switching
    SWOT
    Symmetric cash matching
    Synchronous data
    Syndicate
    Syndicate
    Syndicated Loans
    Synergistic effect
    Synergy
    Synthetic CDO (Collateralised Debt Obligation)
    Synthetics
    System price
    Systematic
    Systematic Internaliser
    Systematic risk
    Systematic risk principle
    Systematic risk
    Systematic Risk
    Systemic risk
    Systemically Important Financial Institutions (SIFIs)

    What are the fundamentals of banking?

    The concepts and principles linked to the practise of banking are referred to as banking fundamentals. Banking is a business that deals with credit, cash holding, investments, and other types of financial operations. Because it allocates cash to borrowers with productive investments, the banking industry is one of the most important drivers of most economies.

    Deposits and withdrawals, currency exchange, forex trading, and wealth management are all services provided by banks. They also serve as a conduit between depositors and borrowers, using the monies placed by their customers to provide credit to those who need it.

    Banks make money by charging interest on loans, which they benefit from by charging a greater interest rate than they pay on customer deposits. They must, however, follow the rules set down by the central bank or the national government.

    Banks are divided into several categories

    Depending on the type of business they do, banks can be classified into one of several categories. Private persons and enterprises can use commercial banks' services. Individuals and families can use retail banking to get credit, make deposits, and manage their money.

    The size of community banks differs from that of commercial banks. They are solely focused on the local market. They offer more personalised service and cultivate long-term connections with their clients.

    These services are available through the internet banking system. E-banking, online banking, and net banking are all terms used to describe this industry. The majority of other banks now provide internet banking services. There are a lot of banks that exclusively operate online. They may convey cost savings to the customer because they don't have any branches.

    Savings and loans are specialist banking institutions designed to encourage the purchase of a home at a reasonable price. In order to raise money to lend for mortgages, these banks frequently offer higher interest rates to depositors.

    Credit unions are owned by its members. Because of their ownership structure, they may offer low-cost, more personalised services. To join, you must be a member of their membership field. This could include employees of businesses or schools, as well as people within a specific geographic area.

    Investment banking helps companies raise money through initial public stock offerings (IPOs) or bonds. They also make mergers and acquisitions easier.

    Small firms can use merchant banking to get similar services. They offer products such as mezzanine financing, bridge finance, and corporate credit.

    Sharia banking abides with Islam's prohibition on interest rates. Furthermore, Islamic banks do not lend to enterprises that deal in alcohol or gambling. Instead of paying interest, borrowers’ profit-share with the lender. As a result, Islamic banks avoided the hazardous asset classes that contributed to the financial crisis of 2008.

    How to Use Dhanguard's Banking Dictionary to Learn Banking Terms

    First and foremost, take a look at each new word or phrase listed. It's crucial to double-check even if you think you know some of them. We identify words and believe we know them, only to be unable to recall them when we need to utilise them. Always keep a check on our dictionary for the important banking terms.

    Understanding the fundamentals of banking and finance, as well as the terminology used to discuss them, can make a significant difference in your bank account.

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