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8b Modern banking services

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8b Modern banking services Powered By Docstoc
					BUSINESS ENGLISH



        MODERN BANKING
           SERVICES
        BASIC BANK SERVICES


   Running an account
   Saving opportunities
   Making loans
   Exchange office
           MODERN SERVICES


   Telephone banking
   Internet banking
   Consultancy services
   Insurance services
   Investment opportunities
            Telephone banking

   You give payment orders or check your
    balance via telephone

   Transferring money between accounts
   Paying bills and invoices
   Checking your balance
   Ordering services
              Internet banking

   Allows you to

   check movements on your account
   make money transfers to other accounts
   make a collecting demand
   get e-statements
   re-charge your telephone credit
              Internet banking

   Allows you to make a contract about:

   building saving
   various types of insurances
   issuing a bank card, credit card
   loans and investments
How does internet banking work?

   Sign a contract in your bank
   Get an access to your account and a
    password
   Open the web page, log in, sometimes you
    get a password via sms
   Make financial operations online
   Confirm the operation with your password
   Log off
          Consultancy services


   Investments
   Insurance
   Mortgages
   Services
            Insurance services


                        INSURANCE




   LIFE      PENSION     ACCIDENT     TRAVEL    HOUSEHOLD
ASSURANCE   INSURANCE   INSURANCE   INSURANCE   INSURANCE
                Life assurance

   Long-term insurance (usually over 20 years)
   A certain amount of money would be paid to
    your family in case of your death
   Can be accompanied with an insurance
    against serious illnesses
   Will be paid to you at the end of the contract
   You can back out of a contract under certain
    conditions.
            Pension insurance


   Long-term saving with a state benefit
   Regular payments
   Saving for the time you retire
   You usually cannot withdraw your savings
            Accident insurance


   Insuring yourself against accidents
   Insuring against damages caused by your
    activities
   In case of an accident (broken arm, leg etc.)
    you get some money
              Travel insurance


   Insuring yourself before journeys abroad
   To avoid high bills at doctors and hospitals in
    case of illnesses, accidents, car crashes etc.
   In case of your hospitalization abroad a
    member of your family can come
   In case of death the conveyance of your
    body will be paid from the insurance
           Household insurance


   Against burglary
   Against fires
   Against floods and other natural disasters
   Part of the loss is covered by this insurance
    and paid to you
                Investments


   Saving accounts, deposit accounts
   Building savings
   Shares
   Bonds
   Stocks

				
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