Corporate and Investment Banking
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Banks have always helped people in the majority of their transactions. These banks were among the first financial institutions ever created by man. These banks protect and multiply the clients\' money while ensuring that they will not get bankrupt in the process

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Corporate and Investment Banking

Ebele Kemery: Banks have always helped people in the majority of their transactions.

These banks were among the first financial institutions ever created by man. These

banks protect and multiply the clients' money while ensuring that they will not get

bankrupt in the process. A bank's general responsibility is to act as the middle agent

for the client and its transactions with other commercial entities. However, due to

the huge scope of banking in the daily transactions in the financial market, it became

necessary to differentiate them according to the activities that they are involved in.

Two of the most specific types of banking are the corporate and investment banking.

Corporate banking is involved in the various transactions of small to large

corporations and business ventures; the focus is on the corporate accounts. On the

other hand, investment banking is involved in the investment transactions of various

financial entities including corporations and governments; the focus is on the aspect

of the investments. Let us differentiate corporate and investment banking.

Investment banks offer to help clients with different transactions based on bonds and

securities. The clients are provided with advice on the proper acquisition of

properties and assets. The clients also purchase from the banks the bonds and

securities that would constitute these investments and would later provide them with

profit without them working to use the investment. With the discretion of these

investment banks, the client's investment will then be used in the market as another

investment, which will provide the client's dividend at the periods specified. The

investment banks do not only guard these assets but also take the risks for the client.

These banks have the biggest loss if the investments fail. These investment banks

usually offer advice to various clients who operate on a small or large scale. They can

cater to the needs of small business ventures, but they can also be adept in helping

large companies.

A corporation is a legal entity that is usually involved in business and financing.

Corporations have shareholders who are co-owners of the company. These

shareholders invested a certain increment of money to own the corporation. If a

corporation succeeds, then its shareholders also succeed. But if the corporation fails,

then all the shareholders-small or big time-will lose the money they had invested.

Therefore, decisions made by the corporation as a whole necessitate a mediator who

is adept in the ways of the financial market. This is where corporate banks come in.

Corporate banking deals with the financial decision-making of corporations. The

corporate banks are the ones who provide their clients-in this case, the corporations-

with tools and analyses used for making correct decisions. The main goal would be to

maximize the earnings and security of the corporation while minimizing the

possibility of financial risks. The more stable and correct the decisions of the

corporate banks would be, the better the corporation would fare.

Banks encompass all aspects of finances. Both corporate and investment banking still

aim to protect the clients and their investments and still manage to ensure that the

clients and banks both profit gainfully.

Ebele Kemery is a member of the Global Fixed Income, Currency & Commodities

(GFICC) Group. Based in New York, Ebele is the head of Energy Investing within the

Commodities team. Prior to this role, she provided institutional client relationship

management and tailored risk management solutions in the Investment Bank’s

Global Commodities Group. And a Member of the Editorial Advisory Board of the

Global Commodities Applied Research Digest, and full-tuition scholar from top-tier

university possessing a Bachelors of Engineering in Electrical Engineering.