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21-468: FSI may refer to: Economics [ edit ] Financial services industry Financial Secrecy Index , a ranking of secrecy jurisdictions Financial Stability Institute , a body of the Bank for International Settlements Government and politics [ edit ] Federation of Italian Socialists (Italian: Federazione dei Socialisti Italiani ),

42-640: A Unicode character used to support Bidirectional text Flame spread index , a material's propensity to burn Fluid-structure interaction , in fluid dynamics Frequency scanning interferometry , a technique for measuring the distance between two points FRISK Software International , an Icelandic antivirus software developer FRU Support Interface, a simple bus for low-level access to IBM Power -based hardware FSI International , an American equipment manufacturer Fuel stratified injection Full spectral imaging , in spectroscopy Other uses [ edit ] Fédération Ivoirienne du Scoutisme ,

63-481: A business, helps businesses raise money from other firms in the form of bonds (debt) or share capital (equity). The primary operations of commercial banks include: The United States is the largest commercial banking services location. New York City and London are the largest centers of investment banking services. NYC is dominated by U.S. domestic business, while in London international business and commerce make up

84-525: A common misconception known as the "bank analogy". Unlike commercial banks, central banks are not primarily focused on generating profits and cannot become insolvent in the same way as commercial banks in a fiat currency system. The name bank derives from the Italian word banco 'desk/bench', used during the Italian Renaissance era by Florentine bankers, who used to carry out their transactions on

105-534: A defunct political party of Italy Foreign Service Institute , of the United States government Foreign Service Institute, India , an agency of the Indian government Forest Survey of India Fragile States Index , a country ranking method Internal Security Forces (French: Forces de Sécurité Intérieure ), the national security force of Lebanon Technology [ edit ] First strong isolate,

126-609: A desk covered by a green tablecloth. However, traces of banking activity can be found even in ancient times. In the United States, the term commercial bank was often used to distinguish it from an investment bank due to differences in bank regulation. After the Great Depression , through the Glass–Steagall Act , the U.S. Congress required that commercial banks only engage in banking activities, whereas investment banks were limited to capital market activities. This separation

147-463: A fraternal organization IATA code for Henry Post Army Airfield , in Fort Sill, Oklahoma, United States Italian Chess Federation (Italian: Federazione Scacchistica Italiana ) Free-standing insert, a type of advertising: See Sales promotion § Consumer sales promotion types Topics referred to by the same term [REDACTED] This disambiguation page lists articles associated with

168-526: A significant portion of investment banking activity. FX or Foreign exchange services are provided by many banks and specialists foreign exchange brokers around the world. Foreign exchange services include: London handled 36.7% of global currency transactions in 2009 – an average daily turnover of US$ 1.85 trillion – with more US dollars traded in London than New York, and more Euros traded than in every other city in Europe combined. New York City

189-573: A variety of reasons. Some smaller financial centres, such as Bermuda , Luxembourg , and the Cayman Islands , lack sufficient size for a domestic financial services sector and have developed a role providing services to non-residents as offshore financial centres . The increasing competitiveness of financial services has meant that some countries, such as Japan, which were once self-sufficient, have increasingly imported financial services. The leading financial exporter, in terms of exports less imports,

210-495: Is a financial institution that accepts deposits from the public and gives loans for the purposes of consumption and investment to make a profit . It can also refer to a bank or a division of a larger bank that deals with corporations or large or middle-sized businesses, to differentiate from retail banks and investment banks . Commercial banks include private sector banks and public sector banks. However, central banks function differently from commercial banks, despite

231-472: Is different from Wikidata All article disambiguation pages All disambiguation pages Financial services industry The finance industry in its most common sense concerns commercial banks that provide market liquidity , risk instruments , and brokerage for large public companies and multinational corporations at a macroeconomic scale that impacts domestic politics and foreign relations . The extragovernmental power and scale of

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252-804: Is the United Kingdom , which had $ 95 billion of financial exports in 2014. The UK's position is helped by both unique institutions (such as Lloyd's of London for insurance, the Baltic Exchange for shipping etc.) and an environment that attracts foreign firms; many international corporations have global or regional headquarters in the London and are listed on the London Stock Exchange , and many banks and other financial institutions operate there or in Edinburgh . Commercial bank A commercial bank

273-593: Is the largest center of investment services, followed by London. The United States, followed by Japan and the United Kingdom are the largest insurance markets in the world. A financial export is a financial service provided by a domestic firm (regardless of ownership) to a foreign firm or individual. While financial services such as banking, insurance, and investment management are often seen as domestic services, an increasing proportion of financial services are now being handled abroad, in other financial centres , for

294-408: Is traditionally among those to receive government support in times of widespread economic crisis. Such bailouts, however, enjoy less public support than those for other industries. A commercial bank is what is commonly referred to as simply a bank. The term " commercial " is used to distinguish it from an investment bank , a type of financial services entity which instead of lending money directly to

315-527: The United States partly as a result of the Gramm–Leach–Bliley Act of the late 1990s, which enabled different types of companies operating in the U.S. financial services industry at that time to merge. Companies usually have two distinct approaches to this new type of business. One approach would be a bank that simply buys an insurance company or an investment bank , keeps the original brands of

336-656: The Ivorian Scouting Federation Ferrovie dello Stato Italiane , the Italian state-owned railway company FlightSafety International , an American aviation training provider Floor space index Florida Space Institute , of the State University System of Florida FontShop International , a German type foundry Fox Sports International Freeman Spogli Institute for International Studies , at Stanford University Free Sons of Israel ,

357-546: The acquired firm, and adds the acquisition to its holding company simply to diversify its earnings . Outside the U.S. (e.g. Japan ), non-financial services companies are permitted within the holding company. In this scenario, each company still looks independent and has its own customers, etc. In the other style, a bank would simply create its own insurance division or brokerage division and attempt to sell those products to its own existing customers, with incentives for combining all things with one company. The financial sector

378-519: The borrower. Instead, they open a deposit account from which the borrower can withdraw. In other words, while sanctioning a loan, they automatically create deposits. Regulations In most countries, commercial banks are heavily regulated and this is typically done by a country's central bank . They will impose a number of conditions on the banks that they regulate such as keeping bank reserves and to maintain minimum capital requirements . They also require some capital Commercial banks generally provide

399-763: The finance industry remains an ongoing controversy in many industrialized Western economies, as seen in the American Occupy Wall Street civil protest movement of 2011. Styles of financial institution include credit union , bank , savings and loan association , trust company , building society , brokerage firm , payment processor , many types of broker , and some government-sponsored enterprise . Financial services include accountancy , investment banking , investment management , and personal asset management . Financial products include insurance , credit cards , mortgage loans , and pension funds . The term "financial services" became more prevalent in

420-406: The title FSI . If an internal link led you here, you may wish to change the link to point directly to the intended article. Retrieved from " https://en.wikipedia.org/w/index.php?title=FSI&oldid=1216376702 " Category : Disambiguation pages Hidden categories: Articles containing Italian-language text Articles containing French-language text Short description

441-407: Was mostly repealed in 1999 by the Gramm–Leach–Bliley Act . The general role of commercial banks is to provide financial services to the general public and business, ensuring economic and social stability and sustainable growth of the economy. In this respect, credit creation is the most significant function of commercial banks. While sanctioning a loan to a customer, they do not provide cash to

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