HSC Finance, Banking, and Bima Note

HSC Finance, Banking, and Bima Note. Finance is the practice of funds management or the allocation of assets and liabilities over time under conditions of certainty and uncertainty. A key point in finance is the time value of money, which states that a unit of currency today is worth more than the same unit of currency tomorrow. A bank is a financial institution that accepts deposits from the public and creates credit. Lending activities can be performed either directly or indirectly through capital markets.

HSC Finance, Banking, and Bima Note

HSC Finance, Banking, and Bima 1st Paper Note

HSC Finance, Banking, and Bima 2nd Paper Note

Finance aims to price assets based on their risk level and expected the rate of return. Finance can be broken into three different sub categories: public finance, corporate the finance and personal finance. Banking in its modern sense evolved in the 14th century in the prosperous cities of Renaissance Italy but in many ways was a continuation of ideas and concepts of credit and lending that had their roots in the ancient world. In the history of banking, a number of banking dynasties  – notably, the Medicis, the Fuggers, the Welsers, the Berenbergs, and the Rothschilds  – have played a central role over many centuries. The oldest existing retail bank is Banca Monte dei Paschi di Siena, while the oldest existing merchant bank is Berenberg Bank.

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