- •Reading Practice in English for Students of Finance
- •Block 1. Functions of the Financial System and the Financial Markets a. Functions of the Financial System
- •Savings Function
- •Wealth Function
- •Liquidity Function
- •Credit Function
- •Payments Function
- •Policy Function
- •B. The Financial Markets and Financial System
- •Vocabulary Notes
- •Block 2. The Study of Money and Capital Markets
- •A. The Money Market versus the Capital Market
- •B. Divisions of the Money and Capital Markets
- •Vocabulary Notes
- •A. Money and Functions
- •The Medium of Exchange
- •Other Functions of Money
- •B. Central Banking. The Bank and the Money Supply
- •Reserved Requirements
- •C. The Discount Rate
- •D. A Plain Man's Guide to Investment
- •Vocabulary Notes
- •Exercises
- •Block 4. The Central Bank of the Russian Federation
- •Open-market Operations
- •Monetary and Exchange-Rate Policy Central-bank Policy
- •Vocabulare Notes
- •Exercises
- •Block 5. British Banking
- •Overseas Banks
- •Foreign Banks
- •The Merchant Banks
- •The Stock Exchange
- •Vocabulary Notes
- •Block 6. Barclays Bank Account Why a Bank Account Makes Sense
- •A Current Account with Three Options to Choose from
- •The Options in Brief
- •Interest Option
- •Instant Option
- •Bank Charges
- •Your Statement
- •Using Barclays Cheque Book What is a Cheque?
- •How to Pay for Goods and Services by Cheque
- •How to Obtain Cash with a Cheque
- •How to Get a New Cheque Book
- •How to Stop a Cheque
- •If you have used a Barclays cheque guarantee card to issue a cheque, it cannot be stopped. Using your Barclays plastic cards
- •How to pay for goods and services using Barclays connect
- •How to obtain cash using your Barclays connect or Barclaybank card
- •Making regular payments
- •Standing orders
- •1. Dialogue
- •Brokerage services
- •2. Dialogue
- •Governmental controls 3. Dialogue
- •Structure and functions of a bank in the u.S.
- •4. Dialogue
- •Currency and other forms of exchange in the u.S.
- •5. Dialogue
- •Block 8. Financial Reports Consolidated financial report of the large financial holding company
- •1. Consolidated statements of income of Citicorp and subsidiaries
- •Vocabulary Notes
- •2. Consolidated balance sheets of Citicorp and subsidiaries
- •Vocabulary Notes
- •3. Consolidated statement of cash flows of Citicorp and subsidiaries
- •Income taxes
- •4. Financial report of the small enterprise. 'Balance sheet of HiFi Sounds'
- •Vocabulary Notes
- •5. Income Statement of HiFi Sounds
- •Vocabulary Notes
- •Grammar Reference Грамматический справочник Личные формы глагола в предложении.
- •1. Времена глагола в действительном и страдательном залогах. Изъявительное наклонение.
- •Сводная таблица
- •Образование времен в страдательном залоге
- •Перевод сказуемого в страдательном залоге
- •Сводная таблица
- •2. Сослагательное наклонение
- •Формы сослагательного наклонения
- •Употребление сослагательного наклонения
- •3. Модальные глаголы и их эквиваленты
- •Сочетание модальных глаголов с Perfect Infinitive
- •Сочетание модальных глаголов с infinitive passive
- •4. Многофункциональные глаголы Функции глаголов should и would
- •Функции глагола то do в предложении
- •Функции глагола то have в предложении
- •Функции глагола то be в предложении
- •Он, она, оно (о неодушевленных предметах)
- •Указательное местоимение «это»
- •Наиболее употребительные составные союзы и предлоги и сочетания с as
- •What is a bank?
- •Bank Services: Old and New
- •Payments
- •Intermediation
- •Figure 1.2. Bank Goals and Constraints
- •Interest Rate Risk
- •Risk management
- •Importance of capital budgeting
- •Generating ideas for capital projects
- •Oject classifications
- •Increasing importance of financial management
- •The financial manager's responsibilities
Your Statement
As a Barclays customer you will be sent a regular statement, enabling you to keep track of your spending. It is a record of all the payments that have gone in and out of your account. Your statement may not reflect all payments that you may have made to date. Please bear these payments in mind when you receive your statement.
Using Barclays Cheque Book What is a Cheque?
In very simple terms, a cheque is a written instruction by you (the drawer) to the Bank to pay money to someone (the payee]; Generally, a cheque which is presented more than six months after the date on it is treated as out of date.
Barclays standard cheques are non-transferable and have the words 'Account Payee' printed within the crossing (the two parallel lines through the middle). Put simply, this helps to ensure that each of your cheques can only be paid into the account of the party to whom you have made it payable -thereby helping to prevent stolen cheques from being paid into a thief's account. Please bear in mind that any payee without a current/deposit account will find it difficult to withdraw funds against such a cheque.
How to Pay for Goods and Services by Cheque
Most retailers will accept your cheque as payment for goods and services, provided it is supported by a valid cheque guarantee card.
Barclays Connect or Barclaycard Visa act as cheque guarantee cards. They can be used to guarantee personal cheques issued within the United Kingdom for amounts up to the guarantee limit shown on the reverse of the card for any one transaction.
You simply present the card with your cheque and then the payee writes your card number on the back of the cheque.
Of course, you should not issue a cheque for more than the funds available in your account unless previously agreed with your branch.
How to Obtain Cash with a Cheque
When you want to withdraw money from your own branch, all you need to do is to write a cheque payable to 'cash' and hand it to the cashier.
There may be times when you want to withdraw money from other branches of Barclays. If you have a Barclays Connect card or Barclaycard Visa, you can use it as identification to cash your personal Barclays cheques for up to $100 per day. Present the card with your cheque book and sign the cheque in front of the cashier.
How to Get a New Cheque Book
We monitor how many of your cheques have been processed, and you should automatically receive a new cheque book before you run out.
If one doesn't arrive, however, you'll find a page in your cheque book which is a re-order form. Just send or hand over the completed form to your account holding branch.
How to Stop a Cheque
If you want to stop the payment of a cheque that has been issued from your account, simply telephone or call into your branch. You will need to quote your account number, the cheque number, the amount and date on the cheque and the name of the payee. Your branch will stop payment of the cheque providing it has not already been paid prior to you contacting them. If you telephone the details through to your branch, you must confirm your instruction immediately in writing. A charge will be made to stop a cheque unless it has been lost or stolen.