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BANKING

BANKING. Content. bank and banking; the clients of the Central banks; the functions of the C entral banks; bank services; modern trends in banking; negotiating for favourable services, credits and loans.

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BANKING

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  1. BANKING

  2. Content • bank and banking; • the clients of the Central banks; • the functions of the Central banks; • bank services; • modern trends in banking; • negotiating for favourable services, credits and loans.

  3. A bank is a business that keeps and lends money and provides other financial services. The business of a bank is called banking.

  4. The clients of the Central bank government commercial banks other Central banks

  5. The functions of the Central bank Formulation of monetary policy through Printing and distribution of banknotes Ensuring the stability of the financial system supervising other banks to meet the requirements Setting interest rates in short-term period Competent management Adequacy of capital Keeping inflation and price levelin long-term period Adequacy of cash flow Proper risk management

  6. Bank services DEPOSIT operations (transactions) CREDIT operations (transactions) PAYMENT operations (transactions) CASH operations (transactions) ADDITIONAL operations

  7. DEPOSIT operations interest rates money Bank Client

  8. CREDIT operations money interest rates Bank Client • Bank considers the reliability of Client, i.e.: • the credit history; • the availability of a steady source of income for individual; • enough collateral or security to use as a guarantee; • perspectives of business etc.

  9. PAYMENT operations Transferring money from one account to another.

  10. CASH operations Giving out cash money to the clients. Exchanging currency.

  11. ADDITIONAL operations • intermediary services; • services directed to the companies’ development (inculcation of the stock exchange, placing shares, juridical help, information services etc.); • giving guaranties and collateral; • trusting operations (including consultations and help in the management of the clients’ property); • providing accounting help to the companies; • presenting the clients’ interests in the court.

  12. Modern trends in banking On-line banking + - • round-the-clock service; • immediate service; • wide variety of options. security

  13. Negotiating for favourable services, credits and loans To negotiate use FIRST and SECOND conditionals: FIRST conditional If-clause present tense Main clause future tense If you open an account with our bank, you will benefit from favourable interest rates. SECOND conditional Main clause would+infinitive If-clause past tense If a bank failure occurred, you would lose only interest rates.

  14. Basic glossary

  15. Thank you for your attention

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