New operations in the Swiss banking system Made by: Abzalov M. Bkt(BI)-90



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New operations in the Swiss banking system

Made by: Abzalov M. BKT(BI)-90

Checked by : Azimbayeva R.

Plan:

The concept of Swiss banks

  • Banks and financial institutions have long played a very important role in the Swiss economy. The Swiss franc remains one of the most stable currencies in the world. Switzerland's money and currency markets have a special place in the world, and two of Switzerland's leading banks, UBS and Credit Suisse, are among the largest banks in the world.
  • The Swiss banking system employs at least 4% of the total employed population.

Types and characteristics of Swiss banks

  • The Swiss banking system is the most stable in the world. This is mainly due to a well-structured system in which each bank is subject to certain laws and operates only in a specific area. The whole banking system of the country can be divided into several types:
  • Universal banks.
  • Private banks.
  • Foreign banks.
  • Cantonal banks.
  • Microbanks.

The Swiss banking system has a number of features:

1. Secret deposit. In Switzerland, bank secrecy is a legally protected right of any person to keep confidential information about the amount and even availability of money in his bank account. That is, if the bank "accepted" you as a customer, then the details of your cooperation with the bank will be kept confidential. Account privacy is a key component of financial business. In 2008, for example, the U.S. requested permission to disclose information on bank deposits of 4,450 Americans suspected of tax evasion. After lengthy proceedings, the Swiss parliament banned banks from disclosing banking secrets about foreign customers.

2. Absence of taxes. The Swiss banking system is not subject to tax legislation, so interest on deposits, income from trust transactions are not taxable. Thus, an investor with an account in an offshore zone does not risk his capital if he does not declare the income received and pay income tax. In other countries, the income tax on banking operations ranges from 10 to 50%.

2. Absence of taxes. The Swiss banking system is not subject to tax legislation, so interest on deposits, income from trust transactions are not taxable. Thus, an investor with an account in an offshore zone does not risk his capital if he does not declare the income received and pay income tax. In other countries, the income tax on banking operations ranges from 10 to 50%.

3. Account numbers. When opening a bank account, we are usually accustomed to opening it in the name of an individual or in the name of a legal entity. Each account is assigned a specific number. The attached account number is linked to the owner's name, but this information is unknown even to bank employees - only

3. Account numbers. When opening a bank account, we are usually accustomed to opening it in the name of an individual or in the name of a legal entity. Each account is assigned a specific number. The attached account number is linked to the owner's name, but this information is unknown even to bank employees - only

  several people (chairman of the board, board members) have access to the database of names. In this way, large corporations and companies can accumulate funds in their accounts for large transactions, mergers and acquisitions without the risk of data dissemination, and prevent their competitors from gaining access to the information.

4. The cost of opening an account in Credit Suisse Group and UBS is around 1000 euros. There are also minimum balance requirements: Credit Suisse is $ 500,000, mandatory growth over the next 2 years is $ 1 million, and UBS is $ 300,000. Swiss residents have the opportunity to have such deposits. According to Credit Suisse, the per capita income in Switzerland is $ 513,000.

4. The cost of opening an account in Credit Suisse Group and UBS is around 1000 euros. There are also minimum balance requirements: Credit Suisse is $ 500,000, mandatory growth over the next 2 years is $ 1 million, and UBS is $ 300,000. Swiss residents have the opportunity to have such deposits. According to Credit Suisse, the per capita income in Switzerland is $ 513,000.

New operations of Swiss banks

  • Launched on November 13, 2019, the EasyRide service allows you to automatically calculate the direction and price of a ticket at the lowest prices on rail, bus, tram and water transport across Switzerland. According to the Swiss publication Bahnonline, more than 1.2 million trips have been completed in the last three months and more than 0.5 million passengers have used the service.

New operations of Swiss banks

  • Residents of the Swiss city of Tsermatt have been allowed to pay for public services with bitcoins.
  • Such an opportunity was first called "Crypto Valley" in Tsug, Switzerland.

New operations of Swiss banks

  • UBS plans to use artificial intelligence to advise its customers. The technology, developed by the Israeli company SQreem Technologies, collects and analyzes transparent information about the client and his financial condition, and based on it, provides the client with investment recommendations via tablet, smartphone or email.

Interesting facts

  • There are currently 400 commercial banks in Switzerland with accounts totaling $ 52 trillion.
  • Swiss banks hold $ 4 billion worth of Nazi gold.
  • In 1713, Switzerland passed a law guaranteeing the confidentiality of banking information. French police have not been able to prove that Swiss citizen Yeslam Bin Laden, Osama bin Laden’s brother, has an account in a local bank.

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