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Bank
* All banks are breeding and nursery areas for many tropical reef fish species
  - exchange foreign currency
* Many banks also offer financial record keeping
  - own finance companies
  - provide merchant services for online retailing
  - are based in Frankfurt, and the city has some of the tallest buildings in Europe
* Many banks have branch offices in small towns and some rural stations
  - departments to service small businesses
  - shorter hours for transferring foreign money or travelers' checks to pesos
* Many banks offer special savings programs for children
  - youth savings accounts
  - post privacy policies on their Internet sites or in their branches
  - require parents to be joint account holders with their children
* Most banks allow customers to authorise direct withdrawal from a checking account
  - belong to state and national organizations
  - change foreign currencies and deal in traveler's cheques
  - handle travellers' cheques and change foreign currencies
* Most banks have automatic teller machines
  - several different kinds of checking accounts
* Most banks offer a number of different types of checking accounts
  - checking accounts that have no limits on the number of withdrawals each month
  - credit cards with reasonable interest rates
  - euro accounts for businesses
  - special savings accounts for children and teenagers
* Most banks provide debt financing for existing and start-up businesses
  - financial services
* Most banks require companies to submit financial statements before they extend credit
  - tellers to have a minimum of a high school diploma
* Some banks also allow banking by computer and by telephone
  - give secured credit cards to people with no credit history
* Some banks are community gathering places
  - federally chartered and others are chartered by the states
* Some banks contribute to regeneration
  - sedimentation
* Some banks describe specific ways in which information sharing benefits their customers
  - that information sharing benefits customers
  - do have mainframe computers for computing purposes
* Some banks have a central phone number
  - automatic cashiers for money in cash
  - nearly half of their loans tied up in speculative property and equity markets
* Some banks have special mortgages designed for non-resident borrowers
  - youth accounts
  - invest in shares and unit trusts
  - issue passbooks to record all transactions
  - make capital loans to support the operations of subprime mortgage companies
  - offer low-interest loans or credit lines for adoptive parents
  - pay different levels of interest for saving accounts
  - primarily work to help people who have had credit problems in the past
  - publish information about business and economic conditions
  - segment their customers by profitability
  - sell annuities
  - specialize in big business
* Some banks use computer systems that give tellers quick access to information on customer accounts
  - security personnel to invite homeless people to leave
* accounts, stocks, bonds, mortgages, or notes.
* acquire capital by selling capital stock to shareholders.
* act as financial intermediaries between the buyer and seller in export transactions
  - middlemen between savers and borrowers
  - the financial arm of large enterprises or groups of enterprises
* actively shift wealth out of poor communities and into wealthier ones.
* actually create money through demand deposits.
* allow borrowers and lenders of different sizes to meet.
* already have a stronghold on the financial services market.
* also hold capital as a sign of strength to their customers
  - lend money to people and businesses
  - lose out when companies become insolvent
  - offer a variety of other types of accounts and financial services
  - play important role in monetary transmission of monetary policy
  - see private banking as a way to capture more of a client's total wealth for life
  - sell insurance in certain states
  - tend to consider their total exposure when lending to small businesses
  - trade traveler's cheques
* analyze electronic payments to detect buying patterns.
* are a reliable source of funding for small businesses
  - also unique in that their statistics reflect their total economic value added
  - an important mechanism for transmitting funds both domestically and internationally
  - arrays
  - central to the national economy in the widest sense
  - chartered to be engines of economic growth
  - currently exempt from securities laws that provide a panoply of investor protections
  - different than manufacturing
  - essentially in the business of selling credit
* are famous for being traditional and conservative
  - writing off bad loans during down periods
  - highly sensitive to risk and often reluctant to loan money to small business
  - historic trusted entities
* are in business to lend money and make a profit by charging interest
  - loan money and receive money back as payment
  - the business of accepting risk as financial intermediaries and of making a profit
* are in the business of lending money
  - their customers' deposits
  - managing risks
  - packaging and transferring risk
  - renting money
  - increasingly in direct competition with securities firms and insurance companies
  - institutions that do business with other people's money
  - large, successful, private sector corporations
* are located in cities
  - grocery stores
  - main streets
  - malls
  - parks
  - more likely to make loans to businesses they know and with whom they have a track record
  - natural things
* are one of the most regulated businesses in our economy
  - industries in the United States
  - passive agents and prisoners of the government
  - privately-owned institutions that, generally, accept deposits and make loans
  - public institutions
  - quasi public corporations
  - reserves
  - ridges
  - slopes
  - still the most profitable sector in the Australian economy
  - supermarkets for financial products
* are the biggest owners of cross-held shares
  - dominant suppliers of external financing to small firms
  - inevitable consequence of a limited issue money that becomes a commodity
  - long rows of machines that dominate the casino floors
* are the major financial intermediaries in most countries
  - participants in the market for federal funds
  - players in the financial markets
* are the most common source of financing through debt, though there are some alternatives
  - heavily leveraged businesses in the world
  - unsafe institutions in the world
* are the primary financing vehicle, other than owner's savings, for small businesses
  - source of financing for mainland enterprises
  - principal institutional source of debt capital for small businesses
  - quintessential nameless, faceless bulwarks of capitalism
  - whipping posts of the online financial world
  - used for robberies
  - vital to the health of our nation's economy
* are, by definition, are big sources of loanable funds
  - nature, large conservative organisations
* argue that interest rates are led by monetary policy.
* arise endogenously as an efficient arrangement for sharing risk.
* buy money, so interest expense is like the cost of goods sold.
* call in loans of people who have had heart attacks.
* can also lend money to sustainable farming, or agriculture , projects in the rainforest
  - suffer losses as a result of the acts of dishonest employees
  - create money and expand the money supply by lending out excess reserves to customers
  - detect credit card fraud
  - engage in all financial services, including securities transactions
  - exchange liquidity on the monetary market
  - maintain escrow accounts, but they cost money
  - rely on their big assets in the field of information and risk management
* comprise commercial banks and savings banks.
* continue to fund luxury expenditure by the rich.
* cover credit by discounting bills and letters of credit.
* covered with riprap also are key fishing areas during spawning season.
* create dollar currency by extending credit to their customers.
* create money by making loans up to the amount of their excess reserves
  - every time they make a loan
  - most of the money supply every time they lend money
* depend heavily on computers
  - on public trust
* differ in size, range of products, and complexity of computer systems
  - little in terms of the interest and fees they charge and services they provide
* do keep copious records, backing up files every day.
* dominate the asset management industry.
* employ financial services sales representatives to sell banking and related services.
* expand the money supply by issuing loans and thereby creating credit money
  - lending notes
* focus on business and consumer accounts
  - money management
* form the core of financial systems.
* frequently use different methods to calculate interest.
* grass mite and two-spotted spider mite
  - attacks a wide variety of grasses
  - commonly moves into the margins of newly planted wheat fields from adjacent corn
  - differs considerably in appearance from the other turf-damaging mites
  - female and eggs
  - overwinters on alternate grass hosts
* have a legal responsibility to the people in the communities they serve
  - long tradition of trust with their customers
  - particular stake in addressing the privacy concerns of customers
  - advantage
  - atms
  - branchs
  - coin
  - different loan policies
  - loan officers
  - lower costs of capital
  - no uniform policy when it comes to accounts for minors
  - philosophies and regulations which determine what kinds of loans they make
* help transfer-purchasing power from buyers to sellers and from lenders to borrowers.
* hire lawyers to collect on credit cards and loans through Internet information.
* hold no excess reserves, and the public holds no currency.
* increasingly offer alternative kinds of finance.
* intermediate between households and between the household sector and the government sector.
* issue all credit cards, and maintain all credit card accounts.
* keep only a small percentage of their assets as currency
  - records of all transactions
* lend far less to firms which are heavily indebted, especially when they are small
  - for profits
* lend money based on relationships
  - when the risk of losing it is very low
  - or deny loans based upon net income
* loan money to individuals and businesses.
* make a living by borrowing short and lending long.
* make loans that are used to create jobs, build businesses, and buy homes
  - to consumers to finance a home, an education, a car, or a major appliance
* make money by borrowing at low rates and lending at higher rates
  - really, really cheaply from depositors
  - charging interest on all loans
  - selling their services
  - profit by offering loans and holding interest bearing assets
* manufacture money the way steel companies manufacture steel
* merge and change their names at least every once every five year.
* naturally believe in keeping all the money.
* now use insurance agents to originate car loans and mortgages in distant territories.
* offer dollar accounts and make loans in dollars
  - financial services that cover a very broad base
  - various types of savings accounts and interest-bearing plans
* often are able to operate more cost effectively by increasing their size
  - charge fees, or points, for the privilege of borrowing money
  - lend money on a piece of real estate
  - sell and buy mortgages from each other
* pay higher taxes than other industries
  - taxes and so do their shareholders
* physically transport millions of paper checks daily, using cars, trains, trucks, and jets.
* play a particularly critical role in the economy.
* play an enormously important role in our economy
  - important role in our society
  - three important roles in the money market
* presently use encryption all around the world to process financial transactions.
* protect the servers that hold the information and programs needed to operate an online bank.
* provide financial services
  - information and financial means to support social activities
  - loans to buy cars, homes, and pay for college tuition
  - services to individuals and corporations
* publicly traded company that offers financial services via the Internet.
* purchase government bonds, augmenting fiscal deposits or public deposits.
* rely heavily on the public and government
  - on electronic fund transfer systems
* remain central to Asian financial markets.
* sell money for profit
  - money, so interest income from loans and investments represents income
* serve as the main conduit for monetary policy between the central bank and the economy.
* sometimes administer trusts which fund scholarships
  - finance companies that have good cash flow but insufficient collateral
* specialize in making loans.
* tend to base the rates charged for business and consumer loans on their own cost of funds
  - be domestic banks
  - value collateral differently from business owners for a reason
* traditionally benefit when their borrowers do well.
* try to guard against fraud by following verification and identification procedures.
* typically are a good source of financial aid assistance in the form of low interest loans
  - active in originating loans to A borrowers
* use a money making scheme called fractional reserve banking
  - deposits as their source of money to make loans
  - encryption software for all their transactions over the Internet
  - risk weighting to calculate the capital adequacy standard to be observed for lending
  - software to identify more-profitable customers
  - the Web to improve relationship with customers
* usually give the best rates on foreign currency exchange
  - lend money to large corporations on no-security basis
  - require condominium and co-op owners to purchase homeowner's insurance
+ Finance, Some simple finance ideas
  * A bank is where many people borrowing money meet people lending money. A bank gets money from lenders, and pays interest. The bank then lends this money to borrowers. Banks allow borrowers and lenders of different sizes to meet.
+ Frankfurt am Main: Cities with more than 500,000 inhabitants :: Urban Districts in Regierungsbezirk Darmstadt
  * Frankfurt is a very international city. Every third inhabitant is not German. Most immigrants come from southeastern Europe, Turkey and North Africa, but there are people from almost every country living in Frankfurt. There are also many international business companies here, and the big airport links Frankfurt with many countries in the world. Many banks are based in Frankfurt, and the city has some of the tallest buildings in Europe.
+ Leeds, Today: Towns in West Yorkshire
  * Today Leeds still has many factories and offices for large companies. The City Centre has attracted many shops, offices, pubs, restaurants and bars. Leeds now has some skyscrapers such as Bridgewater Place. Leeds and Manchester are the most important cities for business in the North of England. Many banks have their offices in Leeds.
+ Object (computer science): Computer programming
  * Banks usually impose a 'credit limit'. Suppose, there are 1000 dollars on the account. So the withdraw method has to do a lot of checks as described above.