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This is our Padlet page of Global Banking around world , we have included some websites, videos, pictures and explanations on Global Banking. Hopefully any questions you may have will be answered by the end of this. We want to provide more information of International banking Service World wide. It is a great service to connect many different countries to each other.

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Picture#1-Global Institutional companies in Canada's  

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Picture#1-Global Institutional companies in Canada's  

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This is a picture which shows  different institutional, multinational clients working under government relationships, they all provide services to clients to increase their sales and business.

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This picture shows international trading happening. These trades would be nothing without banks. This is why Global Banking is very important in the global market and in the success of the different countries working with each other.

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Video#1-Capital Marketing in investing Banking

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Video#1-Capital Marketing in investing Banking

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In this video i found few points that  are very interesting about Capital Markets. They describe Between Companies and Government Debt capital marketing (DCM), this shows how public investors are dealing debt securities into bonds with public.
An issue they explain about going public for any company is a major issue and how they are dealing with increasing business from small scale to large scale to increase their interest in investors and to decide to select the board of director to run their business at the right moment. As soon as the investment goes on the potential of growth likely to be high. So in this video these are the main types like a equity and debt offering by the bank marketing.

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Investment Banking Areas Explained: Capital Markets

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In this video, is explaining how the Global Financial Crisis, and how their systems  work to get more money from people who are not well known about their system. Its shows how much are we paying mortgage to a bank for a housing pricing and how much they get profit from us. There are few points   in this video which is based on the whole topic : Sub-prime Mortgage:- is a loan granted with a poor score credit very less, because of their deficient credit histories and unsecured job, which stopping getting from conventional mortgages. Another one is  Debt Obligation: this system defined as a structured product that rises through capital to issuance of dept or equity security and invest the fund in pooled credit assets. Credit default swap: The Protection seller recives a periodic premium from the protection buyer in exchange for a contingent payment if there id a Credit event of reference entity. Over all the role of this video is show Economics of the Financial Crisis: Everyone is Affected, The credit crsis brings two groups of people together, the homeowner and investor. Because homeowner borrowed money from investor for their mortgages.

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Debt Crisis of United States of America Explained

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The Financial Crisis & Public Debts Explained In Detail

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The Short and Simple Story of the Credit Crisis. By Jonathan Jarvis. Crisisofcredit.com The goal of giving form to a complex situation like the credit crisis is to quickly supply the essence of the situation to those unfamiliar and uninitiated.

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The video explains how the virus can essentially collapse the entire global market. Since this virus is spreading all over the world. The global markets went into a downward spiral. If this collapse carries on for longer, the global banks will fail and that will cause the entire global markets and banks will collapse. If these banks collapse no one will be able to deposit, withdraw money, stocks, futures etc.

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How coronavirus could FREEZE the global banking system

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Offshore banks are banks that allow you to diversify your options on where to put your money. A study was done after the global recession in 07/08 which said many banks around the globe did not fail. These banks allow you to make investments in those countries and it also helps in benefiting those countries. You can put money in an American bank account and not be an American citizen and earn interest on that money and not have to report it to the country you reside in. If you like to invest globally these accounts are for you. For example if you would want to purchase an apartment in Egypt, a bank in Dubai would be easier to make the purchase rather than a bank in Canada. I chose this video because it interested me in international investing that it would be easier to invest in other countries while using the banks in their countries. The interest rates in some countries are much higher than Canada. So if you are willing to take the risk that the economy in that certain country will be stable, then you can capitalize on the higher interest rates.

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Website#2-Global Banking and marketing in Canada

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Website#2-Global Banking and marketing in Canada

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While you travel anywhere in Canada or out of Canada this is international bank website can help you provide your needs by best options you choose but now a days people are afraid to go out of their houses, so the best way to use via Phone Application online and fast, so no need to panic on. There are many options for service provided for their clients and i am sure people will be satisfied once  using this  international website of banking.

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HSBC Global Banking and Markets provides financial services and products to corporates, governments and financial institutions.

We offer a full range of banking services to support clients and continue to invest in digital capabilities to serve them effectively.

High-quality relationships are at the heart of what we do. As the pace of change increases across the world, we help our clients maintain a competitive edge over the long term and make the most of commercial opportunities in both developing and developed markets.

Underpinning this is our commitment to ensuring we have the highest conduct and compliance standards in our industry.

Our products and services include:

Banking and financing solutions, including corporate banking, capital markets, and leveraged acquisition finance

Services in credit and rates, foreign exchange, equities and money markets

Global transaction banking services, including trade services and global liquidity and cash management

Fund administration, global custody and direct custody and clearing, and corporate trust and loan agency

A broad range of research services including macro, sector and company coverage complemented by trade ideas and investment strategies

Expertise in sustainable financing and strategies to support the transition to a low-carbon economy

Investment solutions for institutions, financial intermediaries and private investors worldwide

24-hour coverage and knowledge of local and international markets

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Global Banking and Markets | HSBC Holdings plc

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HSBC Global Banking and Markets provides financial services and products to corporates, governments and financial institutions. We offer a full range of banking services to support clients and continue to invest in digital capabilities to serve them effectively. High-quality relationships are at the heart of what we do.

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This bank is the number one credit rating in the world.  in the page can help you stick with your Financing plans for future.  You will get best service as investing into anything you want, and insurances plans and international banking. Now a days the situation is so tough as CONVID-19 Hits on, so many people have many issue to be solved base on financially and there in page they have 24/7 help line is available for best guideline to make their client safe.

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1.       Something that surprised me the most is that offshore banking. The fact that some countries can give you much higher interest rates for keeping your money there compared to here at home in Canada. I learned the financial crisis and how they betrayed their clients to make profit. Another thing is getting currency from bank while travelling. When travelling one needs the currencies of different countries.

2.      Learning about Global Banking will come into relevance to me when I am able to invest more heavily so that I can invest in other countries and take advantage of higher interest rates and growing economies.

3.       I think the most important thing to pass on is to be wary of the global marketplace. As there is a lot of money to be made out there, in many ways. It’s also important to be informed of the global economy as to see when to cash out and when to invest.

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Website #4 History of International Banking

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Website #4 History of International Banking

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In the 11th Century Italy was the center of trading in Europe. Merchants from across Europe came to Italy to buy and sell goods. There problem was too many currencies (coins) to keep up with. So they had some people who would exchange coins for them to get the desired coins. Which then turned into banks where people could get credit to buy and sell goods.

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If you've ever felt out of your depth while your friends discuss the economic collapse, or the rise of crowdfunding, or just about the banking system itself, we've something that will help you. The international banking system is an enigma. There are more than 30,000 different banks worldwide and they hold unbelievable amounts of assets. The top ten banks alone account for roughly 25 trillion U.S. dollars. Today, banking can seem very complex; but, originally, the idea was to make life simpler. This excellent explainer video from the team at Kurzgesagt will give you everything you need to know in a light, entertaining way. Let's get into it . . . Below are the details mentioned in this excellent video.

The International Banking System Made Simple

11th century Italy was the center of European trading. Merchants from all over the continent met to trade their goods, but there was one problem - too many currencies in circulation. In Pisa, merchants had to deal with seven different types of coins and had to exchange their money constantly. This exchange business, which commonly took place outdoors on benches, is where we get the word from - banco, Italian for bench. The dangers of traveling, counterfeit money, and the difficulty of getting a loan got people thinking. It was time for a new business model. Pawnbrokers started to give credit to businessmen while Genovese merchants developed cashless payments. Networks of banks spread allover Europe handing out credit, even to the church or European kings.

What about today?

In a nutshell, banks are in the risk management business. This is a simplified version of the way it works. People keep their money in banks and receive a small amount of interest. The bank takes this money and lends it out at much higher interest rates. It's a calculated risk because some of the vendors will default on their credit. This process is essential for our economic system because it provides resources for people to buy things like houses or for industry to expand their businesses and grow. So, banks take funds that are unused by savers and turn them into funds society can use to do stuff. Other sources of income for banks include accepting saving deposits, the credit card business, buying and selling currencies, custodian business, and cash management services. The main problem with banks nowadays is that a lot of them have abandoned their traditional role as providers of long-term financial products in favor of short-term gains that carry much higher risks. During the financial boom, most major banks adopted financial constructs that were barely comprehensible and did their own trading in a bid to make fast money and earn their executives and traders billions in bonuses. This was nothing short of gambling and damaged whole economies and societies, like back in 2008, when banks like Lehmann Brothers gave credit to basically anyone who wanted to buy a house and, thereby, put the bank in an extremely dangerous risk position. This led to the collapse of the housing market in the U.S. and parts of Europe, causing stock prices to plummet, which eventually led to a global banking crisis and one of the largest financial crises in history. Hundreds of billions of dollars just evaporated. Millions of people lost their jobs and lots of money. Most of the world's major banks had to pay billions in fines and bankers became some of the least trusted professionals. The U.S. government and the European Union had to put together huge bailout packages to purchase bad assets and stop the banks from going bankrupt. New regulations were put into force to govern the banking business. Compulsory bank emergency funds were enforced to absorb shocks in the event of another financial crisis. But, other pieces of tough, new legislation were successfully blocked by the banking lobby. Today, other models of providing financing are gaining ground fast, like new investment banks that charge a yearly fee and do not get commissions on sales, thus, providing the motivation to act in the best interests of their clients. All credit unions, [inaudible] initiatives that were established in the 19th century to circumvent credit charts. In a nutshell, they provide the same financial services as banks, but focus on shared value rather than profit maximization. Their self-proclaimed goal is to help members create opportunities like starting small businesses, expanding farms, or building family homes while investing back into communities. They are controlled by their members, who also elect the Board of Directors democratically. Worldwide, credit union systems vary significantly, ranging from a handful of members to organizations worth several billion U.S. dollars and hundreds of thousands of members. The focus on benefits for their members impacts the risk credit unions are willing to take, which explains why credit unions, although also hurting, survived the last financial crisis way better than traditional banks. Not to forget the explosion of crowdfunding in recent years. Aside from making awesome video games possible, platforms arose that enabled people to get loans from large groups of small investors, circumventing the bank as a middleman. But, it also works for industry. Lots of new technology companies started out on Kickstarter or Indiegogo. The funding individual gets the satisfaction of being part of a bigger thing and can invest in ideas they believe in, while spreading the risk so widely that, if the project fails, the damage is limited. And, last but not least, microcredit, lots of very small loans mostly handed out in developing countries that help people escape poverty, people who were previously unable to get access to the money they needed to start a business because they weren't deemed worth the time. Nowadays, the granting of microcredits has evolved into a multi-billion dollar business. So, banking might not be up your street, but the bank's role of providing funds to people and businesses is crucial for our society and has to be done. Who will do it and how it will be done in the future is up for us to decide though.

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The International Banking System Made Simple | CurrencyFair

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If you've ever felt out of your depth while your friends discuss the economic collapse, or the rise of crowdfunding, or just about the banking system itself, we've something that will help you. The international banking system is an enigma. There are more than 30,000 different banks worldwide and they hold unbelievable amounts of assets.

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Website #3 Global Banking Regulations in Canada

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Website #3 Global Banking Regulations in Canada

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During the 2007/2008 financial crisis many banks and institutions around the world were bailed out by their respective governments. While the Canadian banks had no need for a bailout, as they were not failing. From 2008-2018 Canada's banks were ranked among the soundest banks in the world by the World Economic Forum. While Canadian banks are very unlikely to fail, they created "recovery and resolution plans", which would help the banks recover from from financial distress and they would adhere to an orderly resolution if needed. After the global economic crisis (07/08) many rules were put it and even though the rules are not enforced internationally, the domestic regulators can decide whether or not to enforce the rules. Financial markets are globally integrated so the aim is to implement these changes to better all the economies globally. I found that adhering to these rules would benefit many economies globally.

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Canada's prudent banks, combined with effective regulation and supervision, form a model of stability in the global financial system.

Fast facts

During the 2007/08 global financial crisis, unlike banks in many other countries, no Canadian banks were bailed out or in danger of failing.

The 2007/08 crisis resulted in a series of significant regulatory changes for the international banking sector.

The COVID‑19 pandemic of 2020/21 presented a new set of challenges that required governments and regulators to adopt measures to preserve financial stability.

Canadians understand this: When asked to rate the performance of banks in Canada on stability and security, 75 per cent of Canadians provided a favourable rating.

The bottom line

The World Economic Forum has consistently ranked Canada's banks as among the soundest in the world. Canada's prudent banks, combined with effective regulation and supervision, form a model of stability in the global financial system.

Significant regulatory change continues

During the 2007/08 global financial crisis there was significant turmoil in the global financial system and a number of banks in other countries became insolvent and either failed or received taxpayer‑funded bailouts. However, no Canadian bank was in danger of failing or needed a government bailout. Canada's banks were well capitalized, well managed, and well regulated going into the global financial crisis, and remain so to this day.

Canada's banks were well‑capitalized, well‑managed, and well‑regulated going into the global financial crisis, and remain so to this day as we emerge from the COVID‑19 crisis. During the pandemic, Canada's banks played a critical role in supporting the Canadian economy and the financial well‑being of Canadians and demonstrated their ongoing resiliency.

While banks in Canada are extremely unlikely to fail, Canadian banks have developed "recovery and resolution plans" that would help the bank recover from financial distress or bring about an orderly resolution in the event of their failure.

However, the global financial crisis led to a series of significant regulatory changes to international banking rules, which are designed to reduce the risk of another financial crisis occurring. While these rules are developed internationally, it is up to domestic regulators to put them in place and enforce them.

There are many important participants - including Canadian policymakers and regulators - involved in shaping and adapting these regulatory changes for Canada's financial system. [See Table of Main Participants below.]

The most significant changes to global banking rules have been in the areas of capital and liquidity. Both the quantity and quality of capital - which helps banks absorb losses - have been increased. In addition, new liquidity requirements have been put in place to help ensure that banks can meet their financial obligations, even in times of stress.

Financial markets are globally integrated. So in the end, the aim is that consistent implementation of these regulatory changes in countries around the world will result in a better functioning global financial system.

Banks in Canada - through and with the Canadian Bankers Association - are working closely with domestic and global regulatory organizations to implement all of the international regulatory changes.

Regulatory Changes

The most significant changes to global banking rules have occurred in the area of capital and liquidity. These changes are described in greater detail below.
1. Capital
"Capital" is the money that bank owners have invested in the bank, either through the purchase of shares or through retained earnings. A bank holds capital to help protect depositors and other stakeholders against losses in the event that borrowers default. Capital is a cushion against the negative impacts of bank‑specific and market‑related activities that could jeopardize a bank's ability to stay solvent and continue to serve Canadians.
Basel III capital rules
There are several categories of rules related to capital under Basel III. Taken together, these rules now require banks to hold enough capital to equal at least 10.5% of their total risk-weighted assets.
Global and domestic systemically important banks

In 2013, the Office of the Superintendent of Financial Institutions (OSFI) named the six largest banks in Canada as "domestic systemically important banks" (D-SIBs). As a result, these six banks are required to hold an additional one per cent of capital as of January 1, 2016 (D‑SIB surcharge), and are also subject to a Domestic Stability Buffer (DSB) that ranges from 0 to 2.5 per cent of capital along with more intense supervision and enhanced disclosure requirements.

The Royal Bank of Canada and Toronto‑Dominion Bank were designated by the Financial Stability Board as "global systemically important banks" (G-SIBs) in 2017 and 2019 respectively, but are not subject to any additional capital requirement beyond the existing D-SIB surcharge and DSB.

The G‑SIBs and D‑SIBs are treated the same by OSFI given the potential impacts that a failure of any one of them would have on global and domestic economies.

For small and mid‑sized banks, OSFI is developing proportional reflecting the more limited systemic risk associated with smaller financial institutions.

What is Basel III?

Basel III was developed and agreed to by members of the Basel Committee on Banking Supervision (BCBS). This is a longstanding committee of the Bank for International Settlements (BIS) that is mandated to review and develop banking guidelines and supervisory standards at a global level.

Basel III is a framework that sets out global regulatory rules for bank capital and liquidity. These rules were originally published in December 2010 in response to the global financial crisis and are subject to ongoing review and updates. In December 2017, the BCBS issued some notable updates entitled ' Basel III: Finalising post-crisis reforms '.

The phase-in of Basel III capital rules began in 2013. Canada implemented these changes in January 2013, well ahead of many other countries and well ahead of the Basel III timeline. The phase-in of Basel III's liquidity rules began in 2015. Canada is now on a path towards implementation of the Basel III reforms starting in November 2022.

For more information, go to http://www.bis.org/.

Basel III capital rules as they relate to banks in Canada

The Capital Adequacy Requirements (CAR) Guideline reflects how Canadian regulators are implementing the Basel III capital rules in Canada. In December 2012, OSFI issued a revised CAR Guideline to incorporate earlier Basel III reforms and made further updates in subsequent years. OSFI is now in the process of concluding its consultations on the Basel III reforms and expects to publish an updated CAR Guideline in November 2021. In most cases, the updated rules will be implemented starting in November 2022.

Under the CAR Guideline, OSFI already expects banks to meet target capital levels that equal or exceed the 2019 Basel III minimum capital requirements.

Under a separate Leverage Requirements Guideline,¹ OSFI expects institutions to maintain a leverage ratio that meets or exceeds 3 per cent at all times. OSFI also prescribes authorized leverage ratio requirements for individual institutions.

2. Liquidity
"Liquidity" refers to the ease with which assets can be converted into cash (i.e., liquidated) and sold. For banks, good liquidity is important because it bolsters their resilience to internal and external shocks.
Basel III liquidity rules

The Basel Committee on Banking Supervision (BCBS) has developed two minimum rules for liquidity - the Liquidity Coverage Ratio (LCR) that has a 30-day horizon, and the Net Stable Funding Ratio (NSFR) that has a time horizon of one year. Both metrics have now been fully implemented in Canada.

The LCR rules are meant to ensure banks have sufficient, high-quality liquid assets to withstand a period of economic stress.

How OSFI is implementing liquidity rules for banks in Canada

OSFI issued a revised Liquidity Principles Guideline B6 made updates for the liquidity metrics (e.g. LCR/NSFR) in the Liquidity Adequacy Requirements (LAR) Guideline. These guidelines describe how the regulator assesses the strength of a bank's liquidity risk management framework and whether the bank would have adequate liquidity under stressed conditions.

OSFI's approach is consistent with the BCBS's September 2008 Principles for Sound Liquidity Risk Management and Supervision.

3. New forms of risk
As we exit the shadow of the financial crisis, banks and regulators around the world, including OSFI, are shifting focus towards new and evolving forms of non-financial risks such as risks related to COVID-19, technological innovation and climate change.

In relation to COVID-19, OSFI announced the unwinding of the special capital treatment of loans subject to payment deferrals at the end of August 2020. This was followed by the unwinding of other regulatory adjustments that were implemented during the pandemic related to market risk capital requirements and the covered bond limit. In June 2021, OSFI also announced that the DSB would be raised from one per cent to 2.5 per cent effective October 31, 2021.

OSFI is evolving its regulatory and supervisory approach as part of its strategic goal to improve banks preparedness for, and resiliency to, non-financial risks. In doing so, OSFI recognizes the importance of banks providing innovative financial services to Canadians while also fostering trust and confidence in the financial sector.

In 2020, as part of its work on non-financial risks OSFI also sought feedback through a discussion paper on a broad range of issues related to technology risk. These issues included cyber security, third-party risk and advanced analytics. OSFI has subsequently signaled next steps with a proposed schedule setting out upcoming guidance initiatives including developing a new technology and cyber risk guideline and a revised draft guideline on third-party risk.

In January 2021, OSFI issued a Discussion Paper on climate-related risks in the financial sector which considered the impacts of such risks and how banks and other federally regulated financial institutions and pension plans could prepare for and build resilience to these risks. OSFI expects to publish a letter in the coming months that will summarize feedback received and describe their future plans in this area.

As part of its work on non-financial risk, OSFI also plans to seek feedback from the industry on the incorporation of the BCBS' principles for operational resilience and the revised principles on operational risk management into domestic guidance.

Table of Main Participants

A number of organizations are involved in aspects of the regulatory changes underway. The table outlines the main participants and their role(s) in global regulations as it pertains to banks in Canada.

NAME OF PARTICIPANT ROLE(S) IN REGULATION

Global

Domestic

¹ "Leverage Requirements Guideline", October 2014, http://www.osfi-bsif.gc.ca/eng/docs/lr.pdf
² "Basel III: The Liquidity Coverage Ratio and liquidity risk monitoring tools", January 2013, www.bis.org
³ "Basel III: The Net Stable Funding Ratio", October 2014; and "Basel III International framework for liquidity risk measurement, standards and monitoring", December 2010, www.bis.org

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global banking regulations and banks in canada

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Focus: Global Banking Regulations and Banks in Canada

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Canada's prudent banks, combined with effective regulation and supervision, form a model of stability in the global financial system.