Lecture 3 - Banking Structure & Delivery Channels

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Ch. 3 (Organization and Structure of Banking and the Financial
Services Industry).  Skim the lecture notes for Chapter 3 at the file below. 

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PRINT the two-page article on "Too Big To Fail: The Pros and Cons of Breaking Up Big Banks," at the link below.  KNOW this article.

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The following article discusses merger analysis.  KNOW how to calculate HHI and the threshold for being considered highly concentrated. 

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There are different ways of examing the banking structure.  DO NOT PRINT but click on the files below to see the summary of US deposits by different characteristics.

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Ch. 4 (Establishing New Banks, Branches, ATMs, Telephone Services and Web Sites)  KNOW problems at end of notes.

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KNOW articles on evolving branches and on reducing the number of branches in articles below.

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Branch Closures to 2014.jpg
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OPTIONAL INFORMATION, NOT ON EXAM

For an analysis of the structure of Federal Credit Unions see article below.

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