FINANCIAL MANAGEMENT

12 ABM-JONAH
MR. RAFFY REY DOMASIAN
GROUP 5
Leader : Janino Solo

• Members: Barbosa , Mark

• Bernal , Lynskey
• Canedo , Dacylyn
• Rioweras, Ronalyn
• Sanchez , Erwin
GROUP 5
• Fund Managers
• Investment banks/ houses companies
• Finance Companies
• Securities brokers/ dealers
• Pawnshops
• Trsut companies / departments
• Lending investors
• Non-finacial instituitions
FUND MANAGERS
 FUND MANAGERS
• an employee or department of a large institution
that manages the investment of money on it's own
behalf or on that of an outside client.
• A fund manager is responsible fo implementing a
funds,investing strategy and managing its portfolio.
The fund manager monitor's market, economic
trends and track securities in order to make informed
investment decision
INVESTMENT BANKS / HOUSES COMPANIES
INVESTMENT BANKS / HOUSES COMPANIES
• An Investment Bank is a financial intermediary
that specializes primarily in selling securities
and underwriting the issuance of
new equity shares to raise capital funds. This is
different from a
commercial bank, which specializes
in deposits and commercial
loans.

• They served as a bridge between demand and

offer between people who had capital and wanted
to invest it and people needed financing for one of
their projects or what we called merger.
INVESTMENT BANKS / HOUSES COMPANIES
• An Investment Bank is a financial intermediary
that specializes primarily in selling securities
and underwriting the issuance of
new equity shares to raise capital funds. This is
different from a
commercial bank, which specializes
in deposits and commercial
loans.

• They served as a bridge between demand and

offer between people who had capital and wanted
to invest it and people needed financing for one of
their projects or what we called merger.
• Investment banks employ investment bankers who help
corporations, governments and other groups plan and
manage large projects, saving their client time and
money by identifying risks associated with the project
before the client moves forward.
• They buy stocks and bonds from the issuer and resold
this securities to a group of investors
FINANCE COMPANIES
 FINANCE COMPANIES
• an organization that makes loans to individuals and businesses.
• Unlike a bank, a finance company does not receive cash deposits
from clients, nor does it provide some other services common to
banks, such as checking accounts.
• Finance companies make a profit from the interest rates (the fees
charged for the use of borrowed money) they charge on their loans,
which are normally higher than the interest rates that banks charge
their clients.ature 2
 FINANCE COMPANIES
• Many finance companies lend to clients who cannot obtain loans
from banks because of a poor credit history (the record of an
individual’s payments to the institutions who have loaned him
money in the past).Such clients secure their loans with finance
companies by offering collateral ( by pledging to give the company a
personal assets ,or possission , of equal value to the loan if
payment on the loan is not made.
• example :
The Ford Motor Company owns Ford Motor Credit Company
(FMCC), and Daimler Chrysler owns a finance company called Daimler
Chrysler Financial Services.
SECURITIES BROKERS AND DEALERS
• a person or firm who arranges transactions
between a buyer and a seller for a commission
when the deal is executed.
• A broker who also acts as a seller or as a
buyer becomes a principal party to the deal.
Neither role should be confused with that of
an agent—one who acts on behalf of a
principal party in a deal Securities brokers, also
called securities, commodities, and financial
services sales agents, advise customers who
want to make financial investments.
LENDING INVESTORS
 LENDING INVESTORS
• These investors also operate on a smaller scale,
having a smaller capital base and operating within
a particular limited area.
• engaged in granting direct loans with interest
and charges, whether on a secured or unsecured
basis. They are the ones that provide credit to
borrowers who are left out of the sophisticated
formal financial system.
 LENDING INVESTORS
• refer to a corporation engaged in granting loans from its own capital
funds or from funds sourced from not more than nineteen (19) persons.
It shall not be deemed to include banking institutions, investment
houses, savings and loan associations, financing companies, pawnshops,
insurance companies, cooperatives and other credit institutions already
regulated by law. The term shall be synonymous with lending investors.

• Finds people with money and matches them with people who need
money and are willing to pay a certain rate of interest for it. Unlike banks
or credit unions, these investors perform only one specific task: they lend
money for profit.
PAWNSHOPS
 PAWNSHOPS
• A pawn shop (also called a pawnshop or pawnbroker) is a shop or
business who loans money to people who bring in valuable items
which they leave with the pawnbroker. Examples of items that a
person may leave are jewellery, gold, watches, cameras, musical
instruments, televisions or computers.

• the loan is secured by something of value. You take in something

you own, and if the pawnbroker is interested, he will offer you a
loan. The pawnbroker then keeps your item until you repay the loan.
TRUST COMPANIES AND DEPARTMENTS
TRUST COMPANIES AND DEPARTMENTS

• Trust Companies
• Legal entity that acts fiduciary, agent, or
trustee on behalf of another person or
business for the purpose of administration
management and the eventual transfer of
assets to a beneficial party.
• Acts as custodian, for trusts, estates,
custodial arrangements, assets management,
stock transfer, beneficial ownership registration
and other related arrangements.
• It makes all investments decisions and act
in the best interests of its clients
TRUST COMPANIES AND DEPARTMENTS

• Also used in Estate planning matters.

Trust Company also offer a variety of Estate-oriented services,

such as guardianship, estate settlement, and non-financial
management asset.

• Example: Philtrust Bank / Philippine Trust Company

• Trust Departments -Unit organized within a commercial bank to

offer sevices provided usually by a trust company such as to
manage
NON-FINANCIAL INSTITUITIONS
 NON-FINANCIAL INSTITUITIONS
• institution that does not have a full banking
license or is not supervised by a national or
international banking regulatory agency.

• provide banking services, but do not hold a

banking license. These institutions are not
allowed to take deposits from the public.
 NON-FINANCIAL INSTITUITIONS
• Businesses such as trading, manufacturing,
extractive industries, construction and genetic
industries. Non-financial institution can also be
the lender and borrowers just like financial
institution.