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Banks;))


D present on May 8, the classes of business we have learned what are the banks, which the commission, and investment and credit.
Bank ... each of us probably more than once he was in the bank, everyone will know about it is, but many of us would be able to provide "expert" to answer the question:

What is the definition of "bank"?

A bank is a company operating the business of receiving deposits, granting loans, issuing money instruments electronic and other activities prescribed by law and listed in the statutes of the bank.

And what are the banking and what it really is?

services provided by banks to the banking law known as bank transactions. Banking operations are divided into:

• activities reserved exclusively for banks (the so-called banking activities in the strict sense):
  • accepting cash deposits payable on demand or on a specified date and keeping deposit accounts
  • creating and maintaining bank accounts;
  • lending;
  • provision of guarantees and letters of credit confirmation;
  • of bank securities;
  • organizing settlements;
  • issuance of electronic money instruments;
  • other actions that effect the law has been reserved exclusively for banks ;
• activities also allowed some non-bank entities (so-called banking activities in the broad sense):
  • lending money;
  • sureties;
  • bill and check operations, which are the subject of warrants;
  • term financial operations;
  • purchase and sale of debt (debt due may be sold by tender or by public offering);
  • outsourced activities in connection with the issuance of securities ;
  • safekeeping, securities, service of providing access to safe deposit boxes;
  • others mentioned in the Act;

And as we share the banks?

main types of banks in the banking system are:

• central bank
  
• operating banks (commercial, so-called service providers. massive customer)
  

There is also a breakdown of the banks because of the legal form of business:

• state banks (state-owned enterprises);
• co-operatives banks
  
• banks in the form of joint stock companies,

Banks are not co-operatives and credit unions (credit unions), but are often with them (and especially with cooperative banks) confused.

Everyone was curious to know which bank is the largest in the world, so we started to pry the Internet. And as it turned out, the world's largest bank by equity, it is an American bank, "CITIGROUP", while the largest bank by total assets is a Swiss "UBS". The largest banks in Poland are "PEKAO", "Pekao BP" and "BPH".

learned that the bank loan is to bring the bank to cash available to the borrower who undertakes return it together with interest at the contractual period. Basic features of the loan are:

• advisability, means financing using a bank loan a specific project,
• reflexivity, means an obligation to repay the loan amount together with interest at a fixed date,

Deposit is a contract between the customer and the bank, in which the customer provides the bank the money (assuming deposit in the bank) for a specified period of time. In exchange for remuneration in the form of interest.