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How banks work in US?

Chalanachithram.com DB » New TF Industry Related » Archive through July 14, 2019 » How banks work in US? « Previous Next »
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Baatasari
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Username: Baatasari

Post Number: 4648
Registered: 10-2018
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Posted on Sunday, July 14, 2019 - 01:21 pm:       


Kalya:




the point being made - is NOT about how the subprime mtge crisis happened..

when crisis happened.. ALL BAnks got impacted, needed bail out - cos the underlying the books - all banks run on CREDIT .. esp overnight credit..

in layman terms -
instead of saying ur colleague has 500k in the bank ( makes you believe, this is cash, this helps bank etc )
think of it as BANK owes ur colleague 500k..

just like 2000rs note = RBI owes you 2000rs worth..

now the BANK itself can go bankrupt/govt can be bankrupt - cos they run on CREDIT..
brahma satyam jagan-mithyä jivo brahmaiva näparah
 

Kalya
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Username: Kalya

Post Number: 779
Registered: 11-2017
Posted From: 124.123.71.26

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Posted on Sunday, July 14, 2019 - 12:33 pm:       

Subprime ki main reason mortgage industry. US lo loans ni trenches kindha chesi secondary market lo trading chestaru.so US lo loan tisukunnavada secondary market lo invest chesi aa loan ni konukunadu...market bagoledhu ani vadu loan default ayadu kani vadu investchesina equity kuda poyindhi ana vishyalu janalaki teliyaledhu
 

Awesomedber
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Posted on Saturday, July 13, 2019 - 06:51 pm:       


Dma:

for example: maa office lo okayana ki (average person who makes about 100k) - interest on fixed deposits ye 50-60k vastayi anta.



ok nenu general gaa below 40 vallani choosi anariki appuly > deposits ani decide ayya..
 

Baatasari
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Posted on Saturday, July 13, 2019 - 10:03 am:       

Assets liabilities equity
Idi universal accounting equation..is true for even bankrupt companies

Banks in the US run on credit , mostly liquid overnight credit. repo instruments, and china is the one buying majorly on US ctedit, which inturn runs on credit..

Verasi bottomline .. world runs on credit not on real money. Indian econ runs less on credit hence credit mRket has not evolved cos the liquid cash circulation is still high..

Subprime exposure valla crisis toh poyina banks 2 3 .. but if u notice, crisis impacted everyone cos overnight credit market dried up..
brahma satyam jagan-mithyä jivo brahmaiva näparah
 

Dma
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Post Number: 23592
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Posted on Saturday, July 13, 2019 - 08:24 am:       

indians bank lo deposit cheyyaru. anthe.

average american savings lo andarikee fixed deposits vuntay.
banks pay out only 1-2 per annum
but for the loans, they charge 4-20 % per annum

anduke banks are most rich in USA


for example: maa office lo okayana ki (average person who makes about 100k) - interest on fixed deposits ye 50-60k vastayi anta.

banks 2-3% interest iste manodu full kush.

ante asalu principle entha pettado...
Jai Andhra!! Jai Jai Andhra!!!
 

Kalya
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Username: Kalya

Post Number: 778
Registered: 11-2017
Posted From: 157.48.108.57

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Posted on Saturday, July 13, 2019 - 06:37 am:       

Savings account lo vunna money ki federal government responsible oka vela bank default ayita checking account money ki no guarentee from FED
 

Kalya
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Username: Kalya

Post Number: 777
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Posted on Saturday, July 13, 2019 - 06:34 am:       

Asseests=Liabilities vundali lekapotha bank sanka naki poyinatta
Banks deposits(liability) lo vunna money na loan(assets) ga eestadhi. Every day bank balance sheet lo Assets= liability vundali lekapotha federal goverment banks ni hand over chesukuntaru subprime crises deeni valla vachayi
 

Kalya
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Username: Kalya

Post Number: 776
Registered: 11-2017
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Posted on Saturday, July 13, 2019 - 06:30 am:       

Banks ee country lo anna daily ALM maintain cheyali lekapotha central banks mottikayalu pedtayi
 

Kalya
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Username: Kalya

Post Number: 775
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Posted on Saturday, July 13, 2019 - 06:29 am:       

Indians kakurthi is kamandalam kabatti savings lo pettukoru
 

Kalya
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Username: Kalya

Post Number: 774
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Posted on Saturday, July 13, 2019 - 06:28 am:       

Oka sari bank of america quarterly statement chusuko enni trillions vunayo telusyadhi
 

Emc2
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Username: Emc2

Post Number: 79076
Registered: 03-2008
Posted From: 72.83.94.95

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Posted on Saturday, July 13, 2019 - 06:19 am:       

money banks lo kanna market lo ekkuva untadi

rotation is the key...other wise what is the use of paper money?

india lo tons of cash banks lo untadi , at the end scandals lo bad debts lo dobbesthayi, us lo ala kaadu
It's ok

 

Savyasachi
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Username: Savyasachi

Post Number: 3040
Registered: 12-2013
Posted From: 71.203.102.171

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Posted on Saturday, July 13, 2019 - 04:18 am:       

when ever banks need monney they go to one of the feds. they will print and release
 

Awesomedber
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Username: Awesomedber

Post Number: 7250
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Posted on Saturday, July 13, 2019 - 01:09 am:       

cumulative deposits << outstanding loans
Adiginodikalla loans elaa istaayi andedi doubt!
 

Johnwick
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Username: Johnwick

Post Number: 1729
Registered: 06-2018
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Posted on Saturday, July 13, 2019 - 12:44 am:       

credit scores ani okatuntadi.. Daanni vadali
 

Awesomedber
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Posted on Saturday, July 13, 2019 - 12:30 am:       

Almost andariki ikakda bank deposits ye undavu..
Unna..1 month ki saridapdey daani kanna ekkuvey,,

But pratokkadiki credit card balance and more importantly FAT housing mortgage, Assalu ela possible?

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