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individual banks vs individual bank

Both phrases are correct, but they are used in different contexts. 'Individual banks' is used when referring to multiple separate banks, while 'individual bank' is used when referring to a single specific bank.

Last updated: March 24, 2024

individual banks

This phrase is correct and commonly used when referring to multiple separate banks.

Use 'individual banks' when talking about multiple separate banks. It emphasizes the distinct nature of each bank.

Examples:

  • Individual banks have different policies regarding loans.
  • The individual banks in the region are all experiencing growth.
  • In fact, the 3 days are default times which can be further improved by individual banks.
  • As various price studies by the European Commission have shown, bank charges and charging principles differ significantly among individual banks and different Member States.
  • The Eurosystem does not believe that it is appropriate to leave the scope of risk management entirely to the discretion of individual banks.
  • This would allow to reflect the risk profiles of individual banks
  • The demise of individual banks and dramatic intervention of governments to shore up the fragile financial sectors has resulted in great public unease about the ability of politicians to protect them against such eventualities.
  • The decision taken yesterday by Europe's Finance Ministers on a common minimum level for deposit guarantees is an important step, as are the rescue operations being undertaken by individual banks.
  • As various price studies by the European Commission have shown, bank charges and the principles used differ significantly between individual banks as well as between different countries.
  • A noteworthy conclusion of this conference was that the correlation between individual banks» risks in Europe appeared to have increased recently, in particular with regard to large banks.
  • This would allow to reflect the risk profiles of individual banks and lead to a fair calculation of contributions and to provide incentives to operate under a less risky business model.
  • To ensure investor protection the supervisory authorities are also required to examine whether the individual banks within a banking group also have sufficient capital by themselves.
  • While these exposures are not very large in terms of GDP, they are likely to be more significant in terms of the balance sheets of individual banks.
  • Coordination among EEA States would only be necessary at a general level and could be achieved while retaining sufficient flexibility to tailor measures to the specific situations of individual banks.
  • So as long as the pricing in question is the result of an independent, uncoordinated decision of individual banks there is no infringement of Article 85.
  • The ECB suggests that this provision should be clarified in order to avoid possible problems of confidentiality in the event of the transmission of supervisory information on individual banks to finance ministries.
  • In its assessment of recapitalisation measures, whether in the form of schemes or support to individual banks, the Commission will therefore pay particular attention to the risk profile of the beneficiaries.
  • monitors and assesses the stability of the financial system as a whole, not individual banks, in the euro area;
  • Such behaviour might be justified from the point of view of individual banks which, after having taken too many risks in the past have now become more prudent, even excessively prudent.
  • Replies were received from various interested parties, including individual banks, associations of market participants and some national and supranational banking associations.
  • This takes account of the risk profiles of individual banks, leads to a more precise calculation of contributions, tailored to market circumstances in the Member States, and provides incentives to operate under a less risky business model.
  • Adjustments to these measures will be based on the information gathered during the observation period, and will address any unintended consequences for individual banks, the banking sector, the financial market and the economy as a whole.

Alternatives:

  • separate banks
  • different banks
  • distinct banks
  • various banks
  • multiple banks

individual bank

This phrase is correct and commonly used when referring to a single specific bank.

Use 'individual bank' when talking about a single specific bank. It highlights the uniqueness or characteristics of that particular bank.

Examples:

  • The individual bank in our town offers excellent customer service.
  • Each individual bank has its own set of services.
  • A capital injection from public sources providing emergency support to an individual bank may also help to avoid short term systemic effects of its possible insolvency.
  • This remuneration is differentiated at the level of an individual bank on the basis of different parameters:
  • Financial crises can inflict enormous damage on society, extending far beyond the costs incurred by an individual bank.
  • To the Authority's knowledge, the German banks benefiting from Anstaltslast are normally established by a separate law regulating the establishment and operation of the individual bank.
  • It has the effect of covering up a capital shortage of an individual bank and amounts hence to a selective advantage to SPM bank.
  • If these procedures are in place, defining a minimum amount for individual bank loans will lose relevance.
  • In that position he directly managed 34 employees at the bank's central office and around 80 employees at individual bank branches.
  • In addition, it should be ensured that the implementation of the XML standard is carried out in the same manner, irrespective of the implementing country, banking community or individual bank.
  • What would constitute an appropriate minimum size for individual bank loans to be accepted as collateral?
  • The conditions shall be governed by an agreement between the Fund and the individual bank, setting out the exact modalities of the recapitalisation (e.g. nominal value, amount, remuneration and exit incentives).3.
  • identification of individual bank capital needs through a comprehensive asset quality review of the banking sector and a bank-by-bank stress test, based on that asset quality review.
  • Permissible borrowing is set for each individual bank as an average borrowing over a period of three months and is calculated on the basis of an average' of banks» liabilities over the previous three end calendar months.

Alternatives:

  • specific bank
  • particular bank
  • unique bank
  • single bank
  • one bank

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