Banking is an industry that handles cash, credit, and other financial transactions. Banks provide a safe place to store extra cash and credit.  A bank is a financial institution that accepts deposits from the public and creates credit. They have a variety of accounts tro offer for common people as well as businessmen and businesses in general. A bank is a financial institution licensed to receive deposits and make loans. Accounts which they generally have to offer consists of savings accounts, certificates of deposit and checking accounts etc. Banks use these deposits to make loans for a lot of purposes. It provides the liquidity needed for families and businesses to invest for the future. Bank loans and credit mean families don't have to save up before going to college or buying a house. These loans include home mortgages through which a normal person or any person for that matter can invest their money intro personal housing in the long term, business loans for business related propogandas and car loans for individuals who seek luxury but want to pay for it on a long term or extended basis. Banking is considered as one of the most essential and important key driving force within a country in terms of economy. Companies can start hiring immediately to build for future demand and expansion. Banks may also provide financial services, such as wealth management, currency exchange and safe deposit boxes. In today's world there are two types of banks which consist of commercial banks also known as retail banks and investment banks. In most countries, banks are regulated by the national government or central bank of their own country. Finance is something that is considered as the life blood of the trading sector, commercial sector and the industrial sector. For a lot of industries and countries as well banking sector has become something of even more importance and acts for them as the backbone of the modern business. Development of any country within any economically relatable area mainly depends upon the banking system and how much efficient or backed up the banking system is. A bank is a financial institution which deals with deposits and advances and other related services. It receives money from those who want to save in the form of deposits and it lends money to those who need it. Banks are considered as a safe place to deposit excess cash. Banks also pay a small percent of deposits made in ways of interest rates. There is a certain amount of threshold requirement that banks need to maintain as a reserve for their banks tro function. That regulation is called as the reserve requirement. Banks lend the other part of that threshold out. They make money by charging higher interest rates on their loans than they pay for deposits. Lending activities can be performed either directly or indirectly through capital markets. Due to their importance in the financial stability of a country, banks are highly regulated in most countries. Most nations have institutionalized a system known as fractional reserve banking under which banks hold liquid assets equal to only a portion of their current liabilities. For the most part of it this is what banking and finance in the general terminology means and also how they function as well as help create sustenance and sustain themselves.
 
Considering the topic of banking and financing as an elongated topic there is a lot to its history than there is to its functionality. The history of banking goes back to eras during the barter system and according to the books there is a reasonable truth behind its origination since that era. With the exception of the extremely wealthy, very few people buy their homes in all-cash transactions. Most of us need a mortgage, or some form of credit, to make such a large purchase. In fact, many people use credit in the form of credit cards to pay for everyday items.  The world as we know it wouldn't run smoothly without credit or without banks to issue credit. The term bank is either derived from an old Italian word banca or from a French word banque both mean a Bench or money exchange table. In olden days, European money lenders or money changers used to display coins of different countries in big heaps on benches or tables for the purpose of lending or exchanging. The history of banking began with the first prototype banks which were the merchants of the world, who made grain loans to farmers and traders who carried goods between cities. This was around 2000 BC in Assyria, India and Sumeria. Later, in ancient Greece and during the Roman Empire, lenders based in temples made loans, while accepting deposits and performing the change of money. This was where the concept of money lending had possibly originated according to the archaeology. Banking in the United Kingdom can be considered to have started in the Kingdom of England in the 17th century. The first activity in what later came to be known as banking was by goldsmiths who, after the dissolution of English monasteries by Henry VIII, began to accumulate significant stocks of gold. Goldsmiths came to be known as the keepers of running cash and they accepted gold in exchange for a receipt as well as accepting written instructions to pay back, even to third parties. During this period, services offered by banks gradually increased. Clearing facilities, security investments and overdraft protections were introduced. Joint stock investment companies were already well established, but joint stock banks did not become well established until the following century. The Industrial Revolution and growing international trade increased the number of banks, especially in London. These new merchant banks facilitated trade growth, profiting from England's emerging dominance in seaborne shipping. Banking became dominating in the mid 18th century by a family within the country who had invested into the concept early on. Many merchant banks were also established outside London, especially in growing industrial and port cities. By the 18th century there were more than hundred provincial banks. Gradually the goldsmiths began to lend the money out on behalf of the depositor, which led to the development of the modern banking practices promissory notes which later then evolved into banknotes and were issued for money deposited as a loan to the goldsmith  These practices created a new kind of money that was actually debt. And later on became the norm for daily functionality and sustenance as well as to be used for literally quote about everything in the world of today.

Banking and finance within the united kingdom has ben quite prominent in terms of economic growth scaling and overall GDP and poverty levels(which is going forward with a diminishing value). Banking and finance as a field of work may be the most optimistic for individuals seeking to venture within it. The Bank of England had been founded in 1694 as a private institution and developed a role for itself as lender of last resort to the banking system over the course of the nineteenth century. In general, it provided financial support for failing banks only when those banks were deemed to be suffering from liquidity, not solvency problems. Thus there was no general belief that a bank would be saved, and a number were allowed to collapse following panic withdrawals and these did result in losses for depositors. By the late nineteenth century Britain possessed a central bank that was experienced in supporting the stability of the banking system, and operated selectively, so avoiding moral hazard. Over the course of the nineteenth century the British banking system was also transformed. In the first half of the century England was a country populated by numerous small banks. Until 1825 when joint-stock banking was permitted for the first time, apart from the Bank of England itself, other English banks had been restricted to small partnerships. Either through fraud or mismanagement many banks failed, while every local or national crisis led to a spate of collapses. The ideal banking system is one that is both stable and competitive. If that is achieved financial crises are avoided, savers receive satisfactory rates of interest, and borrowers obtain the funds they require on the terms and conditions they want. Such an ideal is probably unobtainable and no degree of intervention by governments can make it happen. Successful banking involves a constant compromise between the opposing needs of savers and borrowers. Savers want low risk products that can be instantly converted into cash but yield a high rate of return. Borrowers want banks to lend them money for long periods at low rates of interest and accept a high degree of risk that a default may occur. A balance must always be struck between the two, while also generating sufficient income for banks to cover their costs, and make a profit. These principles apply to all banks at all times in all countries but can be achieved in many different ways. At no time in any country has the perfect solution been found. Even if it was temporarily achieved it would be unlikely to last long since banking must continuously evolve to meet the changing needs of society and economy. In Britain the banking system largely evolved without active government intervention. These banks, unlike the Bank of England, lacked the capacity to withstand any adverse circumstances. Scotland, where the legislation did not apply, had created a much more stable banking system by the beginning of the nineteenth century, populated by a small number of large banks. The counter-point of being too big to fail is being too small to survive. Once English banks were permitted to organise themselves as companies they became increasingly stable. The greatly increased scale of operation allowed banks to recruit, train and monitor their staff so that they became better aware of the risks involved in financing long-term loans with short-term deposits. Banks could also raise large amounts of capital as they had access to the resources of the investing public and this provided a much more secure basis for their operations than the funds possessed by a few partners. The development of a branch system managed from a central head office also allowed banks to spread themselves geographically and by business activity, so reducing the risks they ran. Finally, the existence of an active inter-bank money market allowed banks within the United Kingdom to maximise the resources they had available as surplus funds could be easily lent out overnight and temporary scarcity met. The result was the emergence of a small group of banks that both competed with each other in attracting  deposits and making loans and co-operated in re-distributing temporary funds. After all of this there was a sudden surge of boost within the economy and the demand for workers within the field increased and has been on a constant rise. More and more smart and capable individuals for financing and banking are required by a lot of companies and institutions.

Most individuals who have invested themselves into this career path are are enough to get a job but in order to get a graduate job without actually holding a degree in financial services individuals need to convince recruiters that they possess or have the skills to do the job well. Some of the attributive skill set requirement by most companies within this sector are easily achievable and they are skills which require a decent level of communication skills along with  problem solving skills which will help individuals handle situations in a much better and viable way without causing much collateral damage. The first priority for the individuals must be inclined towards being able to serve the customer in a proper and polite manner. Customer service is one of the factors which will decide how much further an individual can go in his or her career within the financial world. Being thorough with the concept of mathematics and numerology skills involve being able to understand and work with numerical and graphical information and process information at a considerably faster rate. Individuals must be resolute in their understanding of the situations and the facts. They should be able to draw out conclusions quickly and without any hesitations, and explain the reasoning behind their justified decision Some employers, particularly those in the actual profession, will require you to have a specific degree such as mathematics, statistics or economics, as well as maths all of this being top notch in terms of overall use of these aspects within the field. Teamwork is another essential element most of the individuals lack within this field. Teamwork is all about being able to operate smoothly and efficiently within a group or a set of a people united to finish a particular task within a given time frame. This also includes encouraging others within the field or are while also being able to compromise and put the individuals own interests aside, and being able to communicate with, negotiate, influence and advise the team. An individual's ability to work within a team will typically be put to the test during the group exercise at the assessment centre. Organisation and time management is also one of the greater aspects most recruiters overlook but eventually require to judge upon for an individual. Organisational skills and time management go hand in hand, this means having good organisational skills is about making the best use of the time to reach a specific goal. Most individuals should try to prove how they are able to manage their time and commitments in the organisation if asked upon by a recruiter based on the resumes that individuals have provided. Leadership and team management are all about being able to direct a team to do the best that it can do. In many ways leadership is similar to teamwork, although it also involves taking responsibility for your team and maintaining your influence global outlook. People who are capable of operating within the given context of prerequisite skills as per the field requirements are the ones considered suitable for this field.

 
We are consistently aiming for individuals to achieve their goals and do so by helping these individuals to meet prominent recruiters in the relevant fields depending on what they are seeking. We can ensure that individuals will be getting jobs based on their individual merits and credibility as well as ensuring that job recruiters are presented with the resumes best suited in their interest. Our main agenda is to get individuals the exposure they need which they otherwise wouldn't have, we try to make sure that the individuals are seen within the industry by the companies that they are interested to work in and in doing so we expect that their potential will be picked up by these companies. Reaching out to companies within the major cities of U.K is one of the ideals we wish to pursue and hope that our endeavors bring out the prosperity that many of the individuals seek.