Banks Banks are organizations that

Banks Banks are organizations that carry out the business of banking, taking deposits and then using those deposits to make loans. In essence, a bank aims to make a profit by paying depositors a lower rate of interest than the rate the bank charges borrowers. In accounting terms deposits are considered liabilities(because they have to be repaid), and loans are considered assets Banks in most countries are supervised by a central bank, such as the Bank of England in the United Kingdom, the Bundesbank in Germany, the Federal Reserve System in the United States and Central Bank in Russia There are many different types of bank, and the banking structure varies from one country to another Banks can fall into the following categories: Retail banks are often referred to as commercial banks. In addition to conventional banking services, such as the provision of chequing accounts, they deal in foreign exchange, issue credit cards, provide investment and tax advice, and sell financial products such as insurance. In the United Kingdom the biggest retail banks(by assets) are Barclays Bank, National Westminster Bank, Midland Bank, Abbey National Bank and Lloyds Bank Merchant or investment banks act as intermediaries between investors and private or public concerns seeking medium to long-term funds, often acting as underwriters
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for an issue of shares. Increasingly they have played a fundamental role in advising on mergers and acquisitions, and on management buy-outs. In the United Kingdom, some of the longest established and best-known merchant banks are still privately owned Building societies were set up in the United King dom to take deposits in order to provide long-term loans(mortgages) to homebuyers. They are owned by their members(those who have deposited money with or borrowed money from them) Savings Banks were set up with the aim of attracting small savers. They resemble retail banks in the they provide Credit unions are the equivalents of savings banks and are run as a cooperative nonprofit-making orga nization. Credit unions are widespread in the United States. France's biggest bank, Credit Agricole, is es sentially a federation of more than 3,000 credit unions Universal banks are those, such as Germany's Deut- sche Bank, Dresdner Bank, and Commerzbank, which do everything that the above types of banks do
Banking
What is banking Banking is the transactions carried on by any person or firm engaged in providing financial services to consumers or businesses For these purposes there exist commercial banks central banks, savings banks, trust companies, finance companies and merchant banks. Banking consists of safeguarding and transfer of funds, lending or facil itating loans, guaranteeing creditworthiness and ex- change of money. In other words, banking is the ac ceptance, transfer, and creation of deposits. The depository institutions are central banks, commercial banks, savings and loan associations, building societies and mutual savings banks safeguarding and transfer of funds Vaults and safes are the means for safeguarding of funds. Money is physically stored there. These physical deposits are in most cases insured against theft, and against the bank being bankrupt and unable to repay the funds. In some banks customers can use safety deposit boxes for valuables. To save money in banks is profitable
because bank customers receive interest given on savings accounts, a percentage return on the bank's investment with the money. Transfer of funds can be handled through written instruments contracts cheques, or direct transfers performed electronically. Nowadays banks provide the customers with additional ways of gaining access to their funds and using them. These are credit cards and account debit cards, electronic cash tills, computer on-line banking, and other services Automated clearing houses perform similar services for business customers by handling regular payments, such as wages, for a company banking with the bank Longer-term schemes for providing regular income on savings are often offered through trust funds or other investment schemes
Lending and loans Loans to bank customers are drawn on the funds deposited with the bank and yield interest which pro- vides the profits for the banking industry and the interest on savings accounts. These loans may take the form of mortgages or other, policies. Banks may guarantee credit for customers who wish to obtain loans from other institutions. They also provide foreign exchange facilities for individual customers, as well as handling large international money transfers.

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Banks Banks are organizations that carry out the business of banking, taking deposits and then using those deposits to make loans. In essence, a bank aims to make a profit by paying depositors a lower rate of interest than the rate the bank charges borrowers. In accounting terms deposits are considered liabilities(because they have to be repaid), and loans are considered assets Banks in most countries are supervised by a central bank, such as the Bank of England in the United Kingdom, the Bundesbank in Germany, the Federal Reserve System in the United States and Central Bank in Russia There are many different types of bank, and the banking structure varies from one country to another Banks can fall into the following categories: Retail banks are often referred to as commercial banks. In addition to conventional banking services, such as the provision of chequing accounts, they deal in foreign exchange, issue credit cards, provide investment and tax advice, and sell financial products such as insurance. In the United Kingdom the biggest retail banks(by assets) are Barclays Bank, National Westminster Bank, Midland Bank, Abbey National Bank and Lloyds Bank Merchant or investment banks act as intermediaries between investors and private or public concerns seeking medium to long-term funds, often acting as underwriters15:56:00 для выпуска акций. Все они играют основополагающую роль в консультировании по слияниям и поглощениям и на управление выкупа. В Соединенном Королевстве некоторые из длинного установленных и известных торговых банков являются по-прежнему частных строительных обществ были созданы в Организации короля dom принимать депозиты для того, чтобы обеспечить долгосрочный loans(mortgages) для покупателей жилья. Они являются собственностью их членов, (те, кто на хранение деньги с или заемные деньги от них) сберегательных банков были созданы с целью привлечения мелких вкладчиков. Они напоминают розничных банков в они предоставляют кредитные союзы являются эквивалентами сберегательных банков и запускаются как кооперативные организации orga некоммерческой решений. Кредитные союзы являются широко распространены в Соединенных Штатах Америки. Крупнейший банк Франции, Credit Agricole, является es sentially Федерации более чем 3000 кредитных союзов универсальных банков являются те, как втор sche банк, Дрезднер Банк, Германии и Commerzbank, которые делают все, что выше виды банковБанкиWhat is banking Banking is the transactions carried on by any person or firm engaged in providing financial services to consumers or businesses For these purposes there exist commercial banks central banks, savings banks, trust companies, finance companies and merchant banks. Banking consists of safeguarding and transfer of funds, lending or facil itating loans, guaranteeing creditworthiness and ex- change of money. In other words, banking is the ac ceptance, transfer, and creation of deposits. The depository institutions are central banks, commercial banks, savings and loan associations, building societies and mutual savings banks safeguarding and transfer of funds Vaults and safes are the means for safeguarding of funds. Money is physically stored there. These physical deposits are in most cases insured against theft, and against the bank being bankrupt and unable to repay the funds. In some banks customers can use safety deposit boxes for valuables. To save money in banks is profitablebecause bank customers receive interest given on savings accounts, a percentage return on the bank's investment with the money. Transfer of funds can be handled through written instruments contracts cheques, or direct transfers performed electronically. Nowadays banks provide the customers with additional ways of gaining access to their funds and using them. These are credit cards and account debit cards, electronic cash tills, computer on-line banking, and other services Automated clearing houses perform similar services for business customers by handling regular payments, such as wages, for a company banking with the bank Longer-term schemes for providing regular income on savings are often offered through trust funds or other investment schemesLending and loans Loans to bank customers are drawn on the funds deposited with the bank and yield interest which pro- vides the profits for the banking industry and the interest on savings accounts. These loans may take the form of mortgages or other, policies. Banks may guarantee credit for customers who wish to obtain loans from other institutions. They also provide foreign exchange facilities for individual customers, as well as handling large international money transfers.