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HALLE STEPHENS

Depository and non Depository

Nondespository intermediaries: are those that do not take or hold deposits they earn their money selling specific services and or policies .

An example of non- despository is a privae company, insurance companies, currency exchanges, and loan companies

Mutual saving banks : are similar savings and loan associations.They receive deposits primarily from individuals and concerntrate also on private real- state mortagages

Depository institutions:

  • Always gets there stuff mainly through deposits
  • They also, obtain them from the public

lesson 1.4

halle stephens

some examples : abel deposits, in new york

.The bread and butter of there business are deposits and they get there things from consumers

some examples: is a commercial bank

saving and loan associates, mutual saving banks, and credit unions

The different between commerical banks and other depository institutions is that commercial banks are owned by stock holders, who except a profit on their investments.

Insurance company have cash values that can be redeemed at any time,

and some policies let consumers remove cash gradually.Insurance companies

do not typically make loans, although the cash value of a policy may be used to

secure a loan.

examples : state farm , and all state is a insurance company

Credit Unions are owned by depositors, but there are a couple of differences .1st users of credit union have to be members

some examples:canada credit unions, and the world's

southwire credit unions

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