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## A. my money - my responsibility:

A bank is simply the agent that keeps your money safe and performs transactions as requested by a client. It remains your responsibility to manage your money.

When you open an account at a bank, the bank will send you a monthly bank statement to inform you of what you did with your money during the previous month and what your balance was at the end of that month.

With the help of your friend, study the following bank statement and decide whether Mr De Klerk has managed his money responsibly.

H DE KLERK SA BANK

5 GREEN STREET CAPE TOWN

CAPE TOWN ACCOUNT NUMBER: 777756

8001

PRESENT BALANCE : 2 056,11

STATEMENT FOR PERIOD : 18/09/2004 – 25//09/2004

 DATE TRAN. DESCRIPTION CHARGES AMOUNT BALANCE 180904 CHEQUE : 22 1 052,66 180904 CASH WITHDRAWAL 4,50 234,56 818,10 180904 DEPOSIT: CHEQUE 2,40 150,00 668,10 190904 DEPOSIT: CASH 0,59 278,90 947,00 190904 CHEQUE: 24 1,20 250,76 1 197,76 220904 CHEQUE: 25 2,80 166,80 1 030,96 220904 DEPOSIT: CHEQUE 1,60 89,99 940,97 230904 CASH WITHDRAWAL 5,80 1 958,60 2 899,57 230904 BANK CHARGES 5,60 1 000,00 1 899,57 240904 CHEQUE: 23 0,00 24,49 1 875,08 240904 ACB CREDIT 7,80 1 278,60 596,48 250904 CHEQUE: 26 0,00 3 500,00 4 096,48 250904 CASH WITHDRAWAL 7,80 1 875,99 2 220,49 250904 CHEQUE: 22 2,80 164,38 2 056,11

END OF QUERY 25/09/2004 11:23:20

Have you calculated the final balance?

Do you think that Mr de Klerk has sufficient money in his account to buy Christmas presents?

Our conclusion:

Use the following list of transactions to compile a bank statement for the month of September. Remember to subtract amounts paid out from the balance and to add amounts received.

 1 Sept. Bought toys Cheque no. 66 R 215,99 3 Sept. Paid for Gardening Cheque no. 67 R 150,00 3 Sept. Paid telephone Cheque no. 68 R 347,56 4 Sept. Municipality Cheque no. 69 R 287,90 5 Sept. Withdrew cash R 500,00 7 Sept. Petrol Cheque no. 70 R 185,47 10 Sept. Food Cheque no. 71 R 1 245,67 15 Sept. Received salary R 6 899,00 17 Sept. Received gift R 250,00 21 Sept. Motor car service Cheque no. 72 R 1 085,00 25 Sept. Petrol Cheque no. 73 R 165,80 28 Sept. Children’s pocket money (cash) R 170,00 30 Sept. School fees Cheque no. 74 R 855,00 30 Sept. Hotel (long weekend) Cheque no. 75 R 2 068,00

[LO 3.4]

## B. a bank – a business

Have you ever thought of a bank as a business?

A bank not only sells money, but also a service to its clients. They are in competition daily with other banks. As in any business, they have to attract the attention of potential clients.

The “product”, money, cannot be improved or made more attractive. Money remains money. A bank cannot suddenly decide to print money with colourful borders in order to attract the attention of young people. For that reason banks must concentrate on the other aspect, namely SERVICE. How is money made available to the client, and what is the quality of the attention a bank offers its clients?

1. Information brochures

Most commercial banks offer a large selection of colourful brochures that explain the facilities available to their clients. There are brochures or pamphlets that tell the clients more about:

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