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a banker is a person who calculate interest rates and find an adequate return of investment deals.
an accountant is a person who register every transaction in its appropriate account to obtain financial statements and reports.
why banking system is specialized system than the general accounting ?
Vast difference
Not every bank employee Accountant
Not every bank accountant
Bank needs of accountants in some business
As needed by the rest of the other companies
While banking may be administrative or accounting or technical
Accountants mostly are dealing with the past by registering, reporting and analyzing transaction already happened, while bankers mainly deal with the current and future, by evaluating investments, credit worthiness, calculating the expected bad debts, and generally taking decision related to the future.
in my view, bankers can be defined as investor or owner who invests in banks...
A banker can be a accountant, performs the functions of accepting deposits from customers, lending it to borrowers, payment of profits to its customers while keeping the margin of their stake holders.
An accountant is the person who records the transactions of day to day business as per IAS/IFRS, make reports on business transactions, perform analysis, report and control variances. Provide suggestions on routine and upcoming business matters, risk analysis and provides investment proposals for excess funds or finds resources to funds the short comings in business needs.
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