11. Які банки функціонують у вашому місті? у чому їхня відмінність? Виступіть з презентацією для слухачів всеукраїнської конференції.

I want to tell you about the main types of banks in Ukraine, and the banks that operate in our city. My presentation I will begin with the definition of bank.

A bank is a financial institution and a financial intermediary that dealing with money. In developed countries banking systems consist of a central bank, clearing banks and commercial banks.

The central bank is responsible for the monetary policy of the country.

Clearing banks clear cheques and settle the difference in the banks’ accounts with central bank.

Commercial banks constitute the largest group of banks.

There are several types of banks in the world:

1) Retail banks – deal directly with consumers and small business owners.

2) Business banks – provide services to businesses and other organizations.

3) Investment banks – provide services related to financial market, such as mergers and acquisitions.

The retails banks include the offshore, community and savings banks, as well as the community development banks, building societies, postal savings banks and ethical banks.

Banks may be categorized on the basis of their ownership: privately and publicly owned banks.

Privately owned banks are motivated by profit in their business operations. Publicly owned banks are held by the state governments of the individual countries and they serve as a nation’s centralized bank.

There are several types of banking institutions in Chernivtsi:

1. Commercial banks

2. State banks

Commercial banks provide a variety of services to its customers. An example of these banks can be Privatbank, Raiffeisen Bank Aval, UkrSibbank, Ukrsotsbank.

State banks characterized by state-owned and state-operated. Currently, there are two state-owned banks: Savings Bank and Ukreximbank. Savings spetsiaziluyetsya on making savings and deposit transactions from public. The Ukreximbank's main objectives, are to create favourable conditions for the economic development of Ukraine and to support national manufacturers.

In conclusion I would like to say that banks are important financial institutions that perform most operations with money of entities.

12. Banks and banking services.

My task is to tell you about the banking system of Ukraine and banking services that offered to customers of the bank in Ukraine.

First, I want to say that banks are institutions dealing with money.

It should be noted that the banking system of Ukraine it is part of the economic system of the state.

In accordance with the relevant legislation in force, the banking system of Ukraine has two-level structure and is divided into the National bank of Ukraine and commercial banks of different types and forms of ownership.

A Commercial banks is a profit-making organization that receives depósits from individuals and corporations in the form of checking and saving accounts and uses some of these funds to make loans.

The NBU establishes a national register of banks, currency exchange markets and other financial and credit organizations.

In Ukraine a full range of banking services that offered to customers of the bank:

• It is a safe place for your money. You can open saving accounts and earn interest. There are many different term-deposit accounts.

• Bank offer credit services to customers: personal loans and different credit cards.

• Banks provide their customers with such classes of credit as overdraft, mortgages and home improvement loans.

• Banks provide their customers traveling abroad with foreign currencies, traveler’s checks, euro cards.

• Banks open ways to find and invest large amounts of money.

• Banks provide brokerage services.

There are such basic banking services in the USA:

1) Walk-in banking is still a popular type of banking. Consumers must walk into a bank to use this service. The advantage this service is the face-to-face connection between the banker and a teller.

2) Drive-thru banking is the least popular form of banking today. It allows consumers to stay in their vehicle and use banking services.

3) ATM banking gives a person 24-hour access to his bank account.

4) Online banking allows a person to get on the Internet and sign into their bank.

In conclusion, I want to say that today is a great choice of banking services that help us to perform any monetary transactions.

Nowadays, Ukraine has a very large number of banks, namely hundred seventy six. The largest banks are in total assets are Privatbank, Sberbank and Ukrsimbank.