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This instructional material, developed as part of an EU-funded project, provides a comprehensive overview of basic banking services, including running an account, savings opportunities, making loans, and using an exchange office. It also covers modern banking services such as telephone banking, internet banking, consultancy services, insurance services, and investment opportunities. The material includes information on how internet banking works and various types of insurance services available.
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Výukový materiál zpracován v rámci projektu EU peníze školám Registrační číslo projektu: CZ.1.07/1.5.00/34.0208
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
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
Použitá literatura: Bočánková, M., Hedvábná, I., Kalina, M. 2004. Anglická obchodní korespondence. Ekopress, s.r.o Dyčková, J., Neumannová, O. 1998. English for bankers. RADIX, s.r.o Henderson, D., Streitwieser, V. 2006. Business English. Grada Publishing Jones, L., Alexander, R. 2003. New International Business English. Cambridge University Press Mackenzie, I. 1995. Financial English. Language Teaching Publications Měšťan, J. 2002. Anglický obchodní dopis se vzorovými dopisy. Nakladatelství JM Písek
Použitá literatura: Radice, F. 1992. English for banking. Macmillan Publishers Skuch, E. 2005. Fit for Business English - Fráze. Grada Publishing Tilley, R. 2005. Fit for Business English – Korespondence. Grada Publishing Treger A. 2008. Inside the European Union. Leda s.r.o Abbs, B., Freebairn, I., Barker, Ch., 2003. New Snapshot Pre-Intermediate, Pearson Education Limited