Demystifying Investment Banking: An introduction
Setting the scene
What’s the difference between Investment Banking, Corporate Finance, IBD, Advisory and Global Banking? Of course, this is a trick question – they are all terms for (roughly) the same thing.
In finance we have tend to find as many ways as possible to confuse the uninitiated.
So, over the next six weeks we are going to attempt to demystify Investment Banking, taking you on a jargon-free journey through this exciting, highly competitive area of the bank.
What’s the difference between Investment Banking, Corporate Finance, IBD, Advisory and Global Banking? Of course, this is a trick question – they are all terms for (roughly) the same thing.
In finance we have tend to find as many ways as possible to confuse the uninitiated.
So, over the next six weeks we will demystify Investment Banking, taking you on a jargon-free journey through this exciting, highly competitive area of the bank.
Defining our terms and busting the jargon
Investment Banking is the catch-all term for a division within a bank that helps facilitate, or broker, transactions between companies and investors, companies and other companies or investors and other investors. In return for this service, they get (lots of) fees.
Investment banking can be roughly split in two: Global
Banking and Global Markets. The fundamental difference between the two is who
pays you – in Global Banking, your client is a company looking to raise
funds, or buy another company, or restructure.
In Global Markets (also known as
Sales and Trading), your clients are investors (asset managers, hedge funds)
looking to buy and sell investments at the best price.
In reality, these two divisions are very different and, by law, should not interact with each other (for example, Global Bankers might hold non-public information about a company that the Sales and Trading teams are not allowed to know about).
Frustratingly, when people talk about Investment Banking, or IBD, they often mean Global Banking – the division of the bank that serves companies seeking to undertake significant and strategic initiatives.
For the remainder of the series therefore, we will use
Investment Banking and IBD (Investment Banking Division) interchangeably – our
clients are companies, and we are doing fun things like capital raising,
Mergers and Acquisitions and restructuring.
As Investment Bankers, you are brokers, helping to
facilitate transactions, be it between a buyer of a company, and a seller (Mergers
and Acquisitions), the issuer of a bond and an investor (Debt Capital Markets),
or an issuer of Equity and an investor (Equity Capital Markets).
Moreover, you quickly become trusted advisors to the leadership teams of companies. You are operating on a strategic level, helping companies execute sometimes transformational (and often risky) transactions. You do a lot of ‘free’ strategic work, helping company management set and execute their corporate strategy, providing industry updates and insight on a competitor’s strategy in the hope that you will land a mandate for some big, fee-paying business (for example, as a bookrunner on a company’s Initial Public Offering).
Investment Banking is the catch-all term for a division
within a bank that helps facilitate, or broker, transactions between companies
and investors, companies and other companies or investors and other investors. In
return for this service, they get (lots of) fees.
Investment banking can be roughly split in two: Global
Banking and Global Markets.
The fundamental difference between the two is who
pays you – in Global Banking, your client is a company looking to raise
funds, or buy another company, or restructure.
In Global Markets (also known as
Sales and Trading), your clients are investors (asset managers, hedge funds)
looking to buy and sell investments at the best price.
In reality, these two divisions are very different and, by
law, should not interact with each other (for example, Global Bankers might
hold non-public information about a company that the Sales and Trading teams
are not allowed to know about).
Frustratingly, when people talk about Investment Banking, or IBD, they often mean Global Banking – the division of the bank that serves companies seeking to undertake significant and strategic initiatives.
For the remainder of the series therefore, we will use
Investment Banking and IBD (Investment Banking Division) interchangeably – our
clients are companies, and we are doing fun things like capital raising,
Mergers and Acquisitions and restructuring.
As Investment Bankers, you are brokers, helping to
facilitate transactions, be it between a buyer of a company, and a seller (Mergers
and Acquisitions), the issuer of a bond and an investor (Debt Capital Markets),
or an issuer of Equity and an investor (Equity Capital Markets).
Moreover, you quickly become trusted advisors to the
leadership teams of companies. You are operating on a strategic level, helping
companies execute sometimes transformational (and often risky) transactions.
You do a lot of ‘free’ strategic work, helping company management set and
execute their corporate strategy, providing industry updates and insight on a competitor’s
strategy in the hope that you will land a mandate for some big, fee-paying
business (for example, as a bookrunner on a company’s Initial Public Offering).
The structure of investment banks
All investment banks are different, however the big ones
tend to follow a similar organisational structure. A typical IBD ‘floor’ will
consist of product teams and sector teams.
The main product teams are:
- Mergers & Acquisitions – helping companies buy, sell, dispose and spin off (covered in week 1).
- Equity Capital Markets – helping companies raise capital through the issuance of new equity (week 2).
- Debt Capital Markets – helping companies raise capital through the issuance of new debt (week 3).
- Leveraged Finance – helping non-investment grade companies raise capital through debt issuance (often as part of a Private Equity backed Buyout) (week 4).
- Restructuring – helping companies and government restructure their debt and organisational structure if they get into trouble (week 5).
Sector teams are a little bit different. They are
specialists in a particular sector (Industrials, Real Estate, Healthcare etc.)
and maintain strong relationships with companies within that sector, advising
on corporate strategy, including capital raising and mergers and acquisitions.
We will cover sector teams in week 6.
All investment banks are different, however the big ones
tend to follow a similar organisational structure. A typical IBD ‘floor’ will
consist of product teams and sector teams.
The main product teams are:
- Mergers & Acquisitions – helping companies buy, sell, dispose and spin off (covered in week 1).
- Equity Capital Markets – helping companies raise capital through the issuance of new equity (week 2).
- Debt Capital Markets – helping companies raise capital through the issuance of new debt (week 3).
- Leveraged Finance – helping non-investment grade companies raise capital through debt issuance (often as part of a Private Equity backed Buyout) (week 4).
- Restructuring – helping companies and government restructure their debt and organisational structure if they get into trouble (week 5).
Sector teams are a little bit different. They are
specialists in a particular sector (Industrials, Real Estate, Healthcare etc.)
and maintain strong relationships with companies within that sector, advising
on corporate strategy, including capital raising and mergers and acquisitions.
We will cover sector teams in week 6.
Ready to put theory into practice?
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