Banking Logbook.
Understanding how the engine of the economy actually works — one module at a time.
FLIGHT BRIEF
Banking is the plumbing of the modern economy. This logbook tracks my self-study through CFI certifications, Udemy courses, and the books that demystify how money, credit, and financial markets actually work.
How Banks Actually Create Money
The textbook story is that banks take deposits and lend them out. The reality is far stranger — banks lend first and find the reserves later.
READ ENTRY →
Fractional Reserve Mechanics: The Plumbing
Reserve requirements, capital ratios, and liquidity coverage — the three constraints that keep the money-creation engine from running away.
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The 5 Cs of Credit: A Framework for Analysis
Character, Capacity, Capital, Collateral, Conditions — the five pillars every credit analyst uses, and why each one matters.
READ →
Financial Markets 101: What I Learned from Udemy
A self-paced course that demystified the connections between bonds, equities, FX, and the banking system.
READ →
The Anatomy of a Bank Run
Why bank runs happen, why deposit insurance exists, and why the 2023 SVB collapse was both a classic run and something entirely new.
READ →"Banking is not about money. It is about trust, time, and the plumbing in between."
— Banking Logbook, Entry 06