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Finance · Topic
Banking
Expert guides on retail banking, commercial banking, investment banking, and central bank monetary policy. Learn how banks make money, how credit scoring works, net interest margin, Basel III capital requirements, digital banking, neobanks, and the mechanics of the global banking system. In-depth articles for finance professionals, students, and business owners navigating modern banking.
- 128 guides
- 6 subtopics
- Updated Sep 6, 2026
Latest in Banking
All guides
Borrowing Base Explained: Calculate Availability and Avoid a Cash Shortfall
Understand borrowing-base eligibility, advance rates, reserves and available credit with a worked example and practical reporting controls.
Interbank Deposits: How They Work and Why Businesses Care
Understand interbank deposits, bank funding risk and the practical questions business treasurers should ask about liquidity and banking concentration.
Agentic AI in Banking: How Banks Are Turning AI Into Digital Co-Workers
Banks in 2026 are giving AI agents real transactional authority — settling trades, running compliance checks, and executing payments — moving agentic AI in banking from passive assistant to semi-autonomous digital co-worker.
UK Green Finance and Transition Plans: Disclosure, Labels and Capital Allocation
A practical map of the UK’s sustainable-finance architecture: corporate disclosure, transition plans, fund labels, greenwashing controls and capital.
UK Insurance Distribution and InsurTech: Brokers, MGAs and Embedded Cover
A system map of UK insurance distribution: carriers, brokers, MGAs, Lloyd’s coverholders, comparison sites, embedded cover, client money and fair value.
UK Card Acquiring and Scheme Fees: How Merchant Payments Economics Work
A line-by-line guide to UK merchant card economics: authorisation, clearing, interchange, scheme fees, acquirer margin, pricing models and PSR remedies.
UK Payment Institutions and E-Money: Safeguarding, Failure and Special Administration
A practical guide to UK payment institutions and e-money firms: permissions, CASS 15 safeguarding, reconciliations, audits, failure and customer recovery.
UK Bank Ring-Fencing: How Retail Deposits Are Separated from Investment Banking
A guide to UK bank ring-fencing: the £35 billion threshold, ring-fenced entities, prohibited activities, group separation and the 2026 reform package.
UK Repo, Securities Lending and Collateral Markets: How Secured Funding Works
A system map of UK secured funding: repo, stock lending, collateral reuse, haircuts, dealer intermediation, SFTR, clearing and central-bank facilities.
UK Custody, Fund Administration and Depositaries: How Assets Are Held and Controlled
A practical map of UK custody and fund operations: legal title, nominee chains, CASS safeguards, depositary oversight, NAV production, CREST and T+1.
UK Bank Resolution and Insolvency: How Depositors and Critical Services Are Protected
A system map of how the Bank of England, PRA, Treasury and FSCS handle bank failure while protecting deposits, payments and financial stability.