<abstract xmlns="http://www.w3.org/1999/xhtml"><p>The offerings of financial products to investors have evolved considerably over the last decades.</p><p>This study was undertaken to understand the importance of financial products in Portugal for banks and private clients. Different financial products can provide to banks an important role on their revenues and liquidity. For clients allows to invest their savings according the risk, complexity and potential return they pretend be exposed. Financial products can be divided into four groups: deposits, investment funds, securities, and insurance banking. The six largest banks with Portuguese headquarters were identified based on an analysis of net asset value, and the products offered were analyzed. It was found that on an overall basis, the offerings of financial products available in banks are rather diverse and, at the same time, uniform. It was also noted that investment decisions are dependent on investors and that there are financial innovations that attract differentiated savings.</p></abstract>

The offerings of financial products to investors have evolved considerably over the last decades.This study was undertaken to understand the importance of financial products in Portugal for banks and private clients. Different financial products can provide to banks an important role on their revenues and liquidity. For clients allows to invest their savings according the risk, complexity and potential return they pretend be exposed. Financial products can be divided into four groups: deposits, investment funds, securities, and insurance banking. The six largest banks with Portuguese headquarters were identified based on an analysis of net asset value, and the products offered were analyzed. It was found that on an overall basis, the offerings of financial products available in banks are rather diverse and, at the same time, uniform. It was also noted that investment decisions are dependent on investors and that there are financial innovations that attract differentiated savings.

Financial Products in Portugal

Journal of Central Banking Theory and Practice

This work is licensed under the Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 License.

{"article-title":"Financial Products in Portugal"}

The offerings of financial products to investors have evolved considerably over the last decades.This study was undertaken to understand the importance of...

Financial Products in Portugal

Published Online: Sep 19, 2019

Page range: 51 - 64

Received: Feb 23, 2018

Accepted: May 25, 2018

DOI: https://doi.org/10.2478/jcbtp-2019-0024

Keywords
Banks, Financial Development, Financial Intermediation, Financial Markets, Savings Investment

© 2019 Gualter Couto et al., published by Sciendo

This work is licensed under the Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 License.

Financial Products in Portugal

Published Online: Sep 19, 2019

Page range: 51 - 64

Received: Feb 23, 2018

Accepted: May 25, 2018

DOI: https://doi.org/10.2478/jcbtp-2019-0024

KeywordsBanks, Financial Development, Financial Intermediation, Financial Markets, Savings Investment

© 2019 Gualter Couto et al., published by Sciendo

This work is licensed under the Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 License.

Keywords
Banks, Financial Development, Financial Intermediation, Financial Markets, Savings Investment