5 Questions
Manakah dari layanan berikut yang TIDAK ditawarkan oleh bank?
Akun reksadana
Fungsi utama dari layanan wealth management yang ditawarkan bank adalah untuk:
Membantu pelanggan mengelola, mengembangkan, mempertahankan, dan mentransfer kekayaan mereka
Manakah dari fungsi berikut yang TIDAK dilakukan oleh bank atau perusahaan investasi dalam layanan investments?
Menyimpan aset pelanggan
Mengapa bank dan perusahaan investasi dapat menjalankan fungsi investments?
Karena mereka memiliki akses ke sistem perdagangan
Manakah dari layanan berikut yang TIDAK ditawarkan oleh bank?
Obligasi pemerintah
Study Notes
Banking Services
Banks offer a range of financial services to individuals and businesses alike. Here's a look into some of these services:
Transactional Services
Transactional services allow customers to deposit, withdraw, transfer funds, pay bills, or cash checks. These services can be conducted through various channels such as ATMs, branch lobbies, drive-up windows, mobile phones, online banking, or even by mail.
Cash Management
Cash management involves managing the cash balance and ensuring that there is sufficient cash to cover debits and credits within the bank account. It also includes depositing and withdrawing money from the bank.
Online Banking
Online banking allows customers to view account balances, transfer funds, pay bills, and deposit checks using their computer or mobile device.
Automated Teller Machines (ATMs)
ATMs offer customers 24-hour access to their accounts and allow them to withdraw cash, deposit checks or cash, and transfer funds between accounts.
Loans
Banks offer different types of loans like personal loans, home loans, auto loans, student loans, business loans, etc. Loans help customers finance their needs and wants and can be secured or unsecured depending upon the collateral.
Credit Cards
Credit cards issued by banks serve as payment tools and offer rewards points, cash back, discounts, and other perks. They usually have varying interest rates depending on creditworthiness.
Investments
Customers can invest with banks or investment firms which bring together buyers and sellers, execute trades, manage the flow of funds, and in many cases hold securities in custody because they have access to trading systems.
Wealth Management
Wealth management provides advice, guidance, and services related to managing, growing, preserving, and transferring wealth over time. This involves creating an overall strategy for managing an individual's assets and helping them make informed decisions regarding on how to allocate resources based on their goals, risk tolerance, and tax situation.
Other Services
Other services offered by banks include savings accounts, checking accounts, certificates of deposit (CDs), money market accounts, and insurance products.
In conclusion, banks play a crucial role in facilitating transactions, offering loans, providing investment opportunities, and assisting in wealth management among numerous other services.
Explore the diverse range of financial services offered by banks, including transactional services, loans, credit cards, investments, wealth management, and more. Understand the importance of cash management, online banking, ATMs, and other key services provided by financial institutions.
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