Jp Morgan Essay

4539 words - 19 pages

Brian Tabb, Duc Nguyen, Haojun Chen, Jingyi Chen, Dan Ning
12/12/2014
Brian Tabb, Duc Nguyen, Haojun Chen, Jingyi Chen, Dan Ning
12/12/2014


FI730 Group Report
Financial Institution Analysis
FI730 Group Report
Financial Institution Analysis

1. Introduction
1.1 JP Morgan & Chase, Co.
JP Morgan & Chase, Co., incorporated under Delaware law in 1968, is now one of the oldest and most influential financial institutions in the world. As of December 31, 2013, the firm’s net assets and stockholders’ equity amounted $2.4 trillion and $211.2 billion, respectively. Currently, the firm is the leading banking institution in various business segments that ...view middle of the document...

Consumer & Community banking (hereinafter referred as CCB) provides personal and business services to consumers and businesses through bank tellers, ATM, online, mobile and telephone banking. The segment of business compromises of services includes investment products, mortgages, personal portfolio management, lending, deposit, and cash management. It also issues credit cards to consumers and small business entities, provides auto and student loan services, and offers payment processing services to small retailers or merchants.
Corporate & Investment Banking (hereinafter referred as CIB) offers a broad range of services that include investment banking, marketing-making, prime brokerage, and treasury and securities products and services worldwide. Furthermore, CIB offers services like strategic consulting and advising, capital-raising in both debt and equity markets, and loan origination and syndication. Also, CIB services Treasury transactions that include cash management and liquidity solutions, and trade finance products.
Commercial Banking (hereinafter referred as CB) provides multinational clients such as International Corporations, municipalities, and nonprofit entities with extensive research knowledge on industries and local expertise. CB also provides real estate investors and owners with domestic and international financing needs.
Asset Management (hereinafter referred as AM) offers personalized services to ultra-high-net-worth individuals and investors in every major market in the world. AM provides customers with investment management in all asset classes that include equity, fixed income, alternatives and money market fund. Additionally, AM offers retirement products, brokerage and investing services that include trusts and estates, loans, and mortgages to its high-net-worth customers.
The Corporate/ Private Equity segment mainly serves business activities within the corporation. Its primary purpose is to manage, measure, monitor, and report the Firm’s liquidity, funding, and structural interest rate and exposure to foreign exchange risks.
1.2 The First National Bank of Central Texas
The First National Bank of Central Texas (hereinafter referred as FNBCT), founded in 1901 in Mart, Texas, was originally the first national bank to serve the agricultural community and consumers and small business owners in Mart. Quick growth followed after the bank changed its leadership and ownership in 1995. Under the leadership of a seasoned management team and CEO, Monte Hulse, the bank expanded rapidly, from a single branch to multiple branches in the area. FNBCT acquired multiple branch locations along its rapid expansion periods, and by the end of 2010 and early 2011, FNBCT amounted a net asset size of $700 million, with only five banking centers. The five branches are located in Waco, Woodway-Hewitt, China Spring, Mart, and Hillsboro, Texas. FNBCT offers traditional banking services such as Personal Banking, Commercial...

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