Banking and Finance

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Banking is a key part of the financial system. Banks and financial institutions specialise in the buying and selling of financial instruments such as loans and deposits. They act as intermediaries between the providers of capital (depositors and investors) and the users of capital (borrowers and corporations).

Finance is the systemised movement and management of money. It includes the circulation of money, granting of credit, making of investments, acquisition of capital and provision of financing facilities.

Banking and finance are two areas that undergo continuous change and are expanding in terms of the types of products and services being offered. For example, the superannuation industry is a strong growth area that is expected to grow above the growth rate of the economy due to increasing savings incentives for retirement by the government.

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