2013 Annual Report
HOW DOES A BANK WORK?
SAVERS
Save now; spend later
For the savers, the Bank:Compensates
for the savings deposited (interest),
provides safety, mobility, convenience
and services. As time goes by, those who
have money will have additional cash from
interest they receive.
Deposits
Interest
BANK
GOVERNMENT
Build reserves for
future investment.
$ $ $ $
LEGAL ENTITIES
Save to plan their investments
in order to grow.
$ $ $
PEOPLE
Save to have cash in order
to achieve their dreams in the future.
$ $
INTEREST (%)
The bank compensates the
cash it borrowed from the
savers by paying interest,
as a premium to save
their cash.
14 Annual Report 2013
کے
DEBTORS
Spend now; pay later
For the debtors, the Bank:
Finances expenses these agents cannot
afford. The Bank gives immediate access
to capital for those who have no money
now to spend.
THE MAIN FUNCTION OF THE BANK IS...
to act as the middle person between
the savings generated by agents with a
surplus of cash and agents that need cash
to invest. By turning savings into invest-
ments, Banks accelerate the development
of the country.
Loans
Installments (Interest)
GOVERNMENT
Makes investment in cities, states and in the whole country.
LEGAL ENTITIES
Make investments in plants, stores,
inventories and people.
PEOPLE
They can achieve their dreams now.
Buy a house, study, travel, marry, have children.
$ $ $ $
$ $ $
A
$ $
SPREAD
It's the main compensation paid by
the bank. It is the difference between
the interest rates it charges from
debtors and the interest rates it pays
to savers.
INTEREST (%)
The bank charges interest paid by
debtors as compensation for the
cash borrowed and this allows
debtors to have immediate access
to capital.
$
+A
#A
+A
$
TT
$
15View entire presentation