商业银行管理Chap003.pptVIP

EXHIBIT 3–5 U.S. Commercial Banks with Federal versus State Charters, Membership in the Federal Reserve System, and Deposit Insurance from the Federal Government (as of December 31, 2009) The Array of Organizational Structures and Types in the Banking Industry (continued) Unit Banking Organizations Unit banks, one of the oldest kinds, offer all of their services from one office Some services (such as taking deposits, cashing checks, or paying bills) may be offered from limited-service facilities, such as drive-up windows and automated teller machines (ATMs) These organizations are still common today One reason for the large numbers of unit banks is the continuing formation of new banks Many customers still seem to prefer smaller banks, which often seem to know their customers better than larger banks Many new banks start out as unit organizations TABLE 3–1 Entry and Exit in U.S. Banking The Array of Organizational Structures and Types in the Banking Industry (continued) Branching Organizations As a unit financial firm grows larger in size it usually decides at some point to establish a branching organization They offer the full range of services from several locations, including a head office and one or more full-service branch offices Likely to offer limited services through a supporting network of drive-in windows, ATMs, computers networked with the bank’s computers, point-of-sale terminals in stores and shopping centers, the Internet, and other advanced communications systems Senior management of a branching organization is usually located at the home office, though each full-service branch has its own management team with limited authority to make decisions EXHIBIT 3–6 The Branch Banking Organization The Array of Organizational Structures and Types in the Banking Industry (continued) Branching’s Expansion During the Great Depression of the 1930s, only one in five American banks operated a full-service branch office By the beginning of the 21st century, the ave