Here you can find the list of all New Zealand banks.

ANZ National Bank

ANZ National Bank (ANZ Bank).
Registration date: April 1, 1987.
Moody's credit rating: AA3.
Phones: +61 3 9683 9999
Website: http://www.anz.co.nz/.
ANZ National Bank Limited was opened 1 April 1987 in New Zealand. Today it is located in diffirent cities of Australia and New Zealand. The telephone of call-center is +61 3 9683 9999. This bank remains afloat in 2008-2009, and in 2010 it has a big increase of profit. The goal of this Bank today is to became the largest bank in Pacific region of Asia.
The clients of ANZ can make everyday accounts, term deposits and saving accounts. There are following everyday accounts: «Access Advantage», «Extras Package», «Access Select». The ANZ bank offers to clients Visa Debit card, by means of which clients can use their everyday accounts. With the first type of account clients have unlimited access to Phone and internet banking, different constituent companies and cheques. The month fee is $5. With Extras Package clients have access to the same services that are in the «Access Advantage», but beside it they have non-banking benefits, such as 20% discount in different restaurants, 10% discount in online buyings, 10% discount in the buying of wines ($ 50 from first purchase, if the price is more than $ 200). and premium ticketing service. The value of month fee account is $ 18. The third service everyday account is called «Access select», which costs $ 2 per month and leads clients to make 6 free electronic transactions per month.
The bank offers deposits with the rate from 3 to 60 months. The deposit with 3 months period have an interest of 5,60% p.a., 5 months — 5,80% p.a, 12% -6,00% p.a., 36 months — 6,2% p.a and 60 months 6,2% p.a. There are no any monthly fees and a big choice of different variants of investment. The value of minimal deposit is $ 5,000, clients can get the interest every month, every year or half- year. Every time they can reinvest their money. All the deposits are protected by Australian Government Deposit Guarantee Scheme.
Also ANZ bank offers the saving accounts. There are four types of them: «Online saver», «SmartyPig account», «Progress saver» and «Saver plus». The «Online saver» account can be open by person is age of 16 years or more or for the child, then it is opened in the name of adult in trust for child. There are no any monthly fees and no limitations for balance. It has interest rate of 7,8% p.a and comparison rate 7,9% p.a. The account «Smarty pig» is made specially for families and its needs. The person who opens this account must be more than 16 years old and he should tell the aim of opening this account. The minimal balance is $ 10, the value of minimal sending is $ 10, and maximal $ 10 000 per month. The cost of account list is $ 2,5. The interest rate is 5,5% p.a. The «Progress saver» account is made for children, who wants to have skills in the management of their finances. The minimum balance is $ 10. The deposit can be directed into another account, which is made on the name of client. If the age of client is less than 18, than all the additional transaction fees are denied. This account has base rate 0,01% p.a. and bonus rate 6,00% p.a. There is no any monthly account fee, additional transaction fee is $ 2,50.
The account «Saver plus» was firstly opened in 2003, and today there are more than 5 000 people who use it. The clients can buy educational instruments, books and computers or school uniform. This account can be opened by parents or guardian of pupils, which should tell the purpose of opening of this account, Beside all, bank makes a special program for children of clients, where they can learn the basic financial education.
ANZ Bank is one of the famous banks in New Zealand. It works with large corporations, families and individuals. Here works about 9 000 people. It has 1% of New Zealand GDP, and the third of all New Zealand lendings are made in this bank. It leads a very big sponsor's activity: it's a sponsor of Daffodil day, and it helps people who sick of a cancer. It provides support for patients and their families, puts up money into research of cancer, and finances the treatment. It has allocated about $ 13 millions for New Zealand Cancer society since 1990. It is also the biggest bank in agriculture, having a market share 39%.

ASB Bank Limited

ASB Bank Limited (ASB Bank).
Registration date: May 11, 1989.
Moody's credit rating: AA3.
Phones: 0800 803 804
Website: https://www.asb.co.nz/.
ASB Bank was founded 5 June 1847 and today it has the branches in the most cities of New Zealand. Today Bank has 135 branches in New Zealand and more than a million personal, business and rural customers. . In 1969 it became a first bank, operated an online real-time computer system. In 2007 ASB Bank became «Bank of the year». It was awarded for six consecutive year from 2002 to 2007. The telephone of call-center is 0800 803 804.
ASB bank has following transaction accounts: «Streamline», «Omni» and «Unlimited». The account «Streamline» is made for those clients, who does not want to use cheques but lives in electronic world. There are no any fees of online transactions, but monthly fee of transactions with paper statements is $ 3 and fee of manual transaction (cheques and staff-assisted transactions) is also $ 3. The account «Omni» is made for those people, who uses manual and electronic payments. There are no any monthly pees, but 40 cents are substracted from every electronic transaction and 80 cents from manual. The account «Unlimited» is made for those people who makes everyday payments. Every month $ 12 are subtracted as a monthly fee, and beside it an interest rate 1 % p.a. is made, if the balance is les than $ 100 000 and 3,15 % p.a., if the balance is more than this sum.
There a 4 saving accounts: «Fast Saver», «Prize Saver», «ASB Cash Fund» and «ASB Term Fund». Account «Fast Saver» is made for those clients, who uses internet and make electronic transactions. Clients can deposit money using automatic payments and direct credit, also they can transfer their money between different accounts. The interest rate is 3.15 % p.a., and there no any fees. Account «Prize Saver» allows the clients to win every month the additional sum to their balance $ 20,000, $ 1, 000 or $ 200. 71 winners every month receive their money. The draw is made at the end of each calendar month between clients with positive balance. The interest rate is 1.50% p.a, the electronic transaction fee is $ 0.50 and manual transaction fee is $ 2.00. Account «ASB Cash Fund» allows clients to deposit money using automatic payments and direct credit. The interest rate is 3.15 % p.a., and there are no any fees. At the end of the tax year clients receive a PIE tax certificate. Account «ASB Term Fund» can be opened for term from 30 days to 5 year. The minimal balance is $ 5, 000. The interest is paid at the end of term, quarterly or annually. Clients can choose the optimum variant. Today clients of ASB bank can manage their account wheneve they go with special iphone application or receive the information about their account on email, if they choose this function.
ASB bank offers some actions for kids and students. Clients can open special account for their children «Headstart» without any transaction fees and with iтterest rate of 2.25 %. If children are more than 15 years old, they can manage and open their account themselves. The bank organizes games and activities for children, which help them to know more about money and their saving. It has ASB GetWise Programme for schools has taught 85, 000 kids their financies and the value of saving. International students studying in New Zeland can open an account with some befits, such as discounted rates and opportunity to open a foreign currency account. For the students from New Zeland bank offers to get a credit card without any fees in the first year of studying.
The property finance team provides specialist advice and support to property development and commercial investment clients. ASB bank offers an insurance programme for business. The aim of it is to protect the business against the problems caused by illness, disability or death. It can provide a financial support if client is unable to work due to ill health or injury.

Bank of Baroda (NZ)

Bank of Baroda (NZ) (Bank of Baroda).
Registration date: Sept. 1, 2009.
Moody's credit rating: -.
Phones: +6496321020
Website: http://www.barodanzltd.co.nz/.
Bank of Baroda in New Zealand is wholly owned by India's international bank. In New Zealand this is the first Indian bank.. It was incorporated on 27th May 2007, but in India this bank was opened in 1908. All liabilities of this bank are guaranteed by its parent Bank of Baroda in India. The network of this bank exists in 25 countries. In India, Bank of Baroda is the third bank. There are 28 branches (for example, in London, Dubai, Hong Kong), 8 subsidiaries and 3 representative offices in Malaysia, Thailand and Australia. In the next year it considers to open 400 branches. Bank's logo is called «Baroda Sun». It consists of two letterforms «B», that hold the rays of rising sun. The sun is a sign of bank's goals: to be source of energy and dispel darkness. Bank wants to be a sustainable partner to its customers and help to disolve their financial needs. The telephone of call-center is +6496321020. In New Zealand it is located in Auckland, Dominion Road 114. This branch was opened during the current year.
There are 3 types of deposits: saving accounts, current accounts and fixed deposits. The saving accounts may be made in NZ or US dollars. The minimal sum is $500. There are no any maximal and minimal terms of deposit periods. The following documents are required for the opening of deposit: a passport size photograph, proof of residence, an introduction as per Bank's norms and IT declaration. The interest rate may be calculated and paid every month. It can reach 5% if the term of deposit is more than 3 years. The monthly fee is $10, and the fee of transaction is $0.50 when the numbers of payments is more than 100 per month. The current accounts can be opened by companies, institutions and individuals. There is no any minimum balance and interest fees for individual clients, all the transactions can be made in internet. The minimal balance for corporate clients is $500 for personal accounts and $5000 for corporative. The quarterly service fee is $10 for personal accounts and $25 for corporative. The premium business current account requires minimum balance of $25000 and monthly fee of $150. The inoperative account pee is $20. The fixed deposits are made for customers, who wants to get a big interest rate. The minimal balance is $1000, the minimal period is 1 month, maximal — 36 months. The monthly deposits allows clients to earn interest every month. It can be opened from 1 to 3 years, and the interest is paid every month after the day of opening this deposit. In the annual deposits interest is paid every year after the day of opening the deposit and it can be automatically renewed. Clients can manage their accounts in internet or in the branches of Bank. By means Baroda internet banking clients can view the account balance, transfer from one account to another, pay the bills and make the booking of air tickets for travel in India.
All transactions can be made not only with India, but also with any other country in the world. The currency of transaction can be Australian dollar, Euro, Great Britain pound, US dollar and Indian rupees. Making an international transaction by means of this bank is very simple. If the clients want to make the transaction with other country, he must indicate the name and address of beneficiary, the number of his account and the name of his bank.

Bank of New Zealand

Bank of New Zealand (BNZ).
Registration date: April 1, 1987.
Moody's credit rating: AA3.
Phones: 0800275269
Website: http://www.bnz.co.nz/.
Bank of New Zealand was founded in 60s years of XIX century. Today it is a subsidiary of Australia Bank Group of companies. Over 5 000 people work here in New Zealand. The top management is located in Wellington and Auckland. It has a network of 180 stores in New Zealand. This bank works with companies, institutions and peoples, especially farmers and agricultural businessmans. It helps its client to dissolve their problems and satisfy the financial requirements. The aims of the bank, which are declared by its management, is to help the development of business, to create new jobs and sustain the families. The telephone of call-center is 0800 275 269 (or +64 4 924 2424 from overseas). Also the clients can communicate with bank in Internet by means of facebook and twitter. If some problems arises, clients can use the help of banking ombudsman. This is absolutely free of charge.
Bank offers transaction accounts and saving accounts for its individual clients. There are following transaction accounts: «Total money», «Smart Money», «My money» and «Ready money». The account «Total money» allows the clients to combine all the accounts, that they have, using this accounts for different aims. The interest rate is 1.50% when the balance is less than $100,000 and 3.00% when the it is more than this sum. The monthly fee is $10.00. The overdraft established fee is $30.00. The account «Smart Money» is made for the adults under 30 years old. For these clients there is no monthly fee. The manual transaction fee is 75 cents, and electronic transaction fee is 35 cents. The fee of overdraft is $30.00. Account «My Money» allows not to pay any credit balance interest rates, the monthly base fee is $5.00, overdraft established fee is $30.00. Account «Ready money» is useful when the client wants to withdraw the sum, more than balance. There is no credit balance interest rate and the monthly base fee is $3.50. Manual transaction fee is 75 cents and electronic transaction fee is 35 cents. Overdraft established fee is $30.00.
There are following saving accounts: «Rapid save», «Total money» and «Achiever savings». Account «Rapid save» has not any fees. The credit interest rate is 1.05% (base rate) and 2.5% bonus rate. Account :Total money» allows clients to make account for all members of their family. The credit balance interest rate is 1.5% when the balance is less than $100.000 and 3.00% when it is more than this sum. The monthly fee is $10.00. Overdraft fee is $30.00. Account «Achiever savings» allows to get bonus every month. The credit interest rate is 0% (base rate) and 1.00% (bonus rate), when the balance is less than $1,000, and if the balance is more then $1,000 than base interest rate is 0.25% and bonus rate is 1.00%. The monthly fee is absent, and fee of electronic transactions is $2.50.
The students can open a Campus Pack account and get a free Student Card. It allows to save $20 and get discount for fast food, movies, power bills, clothes and taxis. A limit of this credit card is $500 and interest-free overdraft is $2,000. There are no any credit balance interest rates and monthly fee. Account «Graduate pack» is made for those clients who begins the carrier. The credit limit is $2,000 and there are no any monthly fee and credit balance rates. Manual and electronic transactions are absolutely free of charge. Account «Dynamic money» is made for clients younger than 19 years old. The credit balance interest rates is 2.25%. There are no any additional fees for electronic, manual transactions and m monthly based fees. The interest is paid every month, and if the money are not spent, the balance grows.
Also the bank offers some insurance programs: home insurance, content insurance and vehicle insurance. The clients may be covered from sickness and earthquake, protect their auto, lands, travel and tenants.
Foreign citizens can also be clients of this bank and open account. They don't need to present the copies of ID documents before arriving to New Zealand. They can make an application online using the bank's official website from any country of the world. When they move to New Zealand, all necessary documentation will
be complete and account will be activated.

Citibank NZ

Citibank in New Zealand was opened in 1974. In 1990 this bank became a participant of New Zealand Clearing system. It is located in Auckland, telephone of call-center is (+64) 9 307 1902. The aim declared by this bank is to make the local communities in every country a better place. In New Zealand it works with leading companies and provide some consulting services, global transaction banking, trade finance, equities, income trading and investment research. It helps to trade in over 100 currencies and has financial relations with companies all over the world.
1 200 people in New Zealand and more than 300,000 people in the world work here. This bank makes the transaction in all important markets in the world. Today it is the biggest supplier of corporative finances. Analytics have the leading technologies of studying benchmarking, global indices and product development. It delivers always timely reporting information. The clients can get an access to all the transaction reports online to manage their cash forecast. It has three leading business Institutional Clients Group, Global Consumer Banking and Global Wealth Management, which are the first in their own right.
It covers all secondary debt markets in every place of the world. Also the bank can make an expertise in metals (zink and copper) and in gas and oil. It is a main abandonee of international and local issues in the New Zealand and global market. Today it is a leader of corporate credit research in Australia and New Zealand. It makes a big credit research at all spheres of New Zealand and Australian economy. The quality of these research is recognized in the world. Also bank provides devices on acquisitions, structure finance reconstructuring, divestitures and mergers. It provides a comlpex securisation and syndication of loans.
The clients can manage their invoices, taxes and payroll. The have online access to the information and integration with Treasury systems. The companies with low transaction volumes can choose system Paylink. Citibank allows to print on-site cheques and transmissions by means a big variety of delivery options. They can print the cheques in 16 currencies by means their own back-end system. The cheques printed in different parts of the world can be sent directly to the customers. Companies using this bank can make payments to suppliers or employers. Clients can use a large variety of currencies for their transactions. Clients can choose their type of investing according to the risk appetite. The bank offers an efficient processing ol high transaction volumes and maximal operational efficiency.
Citibank is a one custodian bank in Asia Pacific, which offers a single instruction for all markets. The international investors can use this bank for outsorsing service, local market expertise and investment administration. Citibank helps clients remain focused on their core activities, to attract investors and expand their business. The integrated fund accounting package of bank is counted by superior service standards. This bank supports the development or separate countries, therefore it work closely with regulators of market standards.

Deutsche Bank AG (NZ)

Deutsche bank was established in 1877. In 1974 the first branch in Australia was founded. In 1996 this bank was granted a banking license in New Zealand. Today it is a leading global investment bank with a strong and profitable private clients franchise and provider of fully integrated investment banking service in New Zealand. It has 80,000 employees and about 2,000 branches in 70 countries. In 2010 it was awarded of Kamga News as debt research house of the year. In Australia and New Zealand this bank is involved in wide range of cultural and educational activities. It declares its mission to be a leading global provider of financial solutions for demanding clients and creates exceptional value to its shareholders. Clients can have access to a sophisticated services, that are not available in Australia and New Zealand.
The products of Deutsche bank are following: direct equities, margin lending, term deposits, discretionary portfolio management, foreign exchange, access to placements and IPO's. Bank provides private wealth management, asset management and global banking. The clients of this bank are family offices, entrepreneurs, family trusts, investors, foundations. In New Zealand it offers a wide range of investment banking and private client advice service. For families, bank offers custom-tailored advisers, such as inheritance and estate planning or another financial solutions for family. This bank makes consulting of leading New Zealand companies in the sphere of divestments, mergers, acquisitions, debt products and capital raisings.
This bank is a provider of equity and equity-linked products to institutional, corporate and retail clients. The equities platform is built on four product lines: equity trading, global prime finance, global equity derivatives and convertibles trading. It offers access to a variety sophisticated services that are not widely available in New Zealand. Its worldwide network of investment experts covers every major international market. Its services has defined the investment strategy of thousand private clients all over the world. Bank offers a team of specialists which works with every client. The work of this team includes a customized investment portfolio, development investment strategies, risk management and hedging strategies. The investment process begins with informed opinion and ends with consistent implementation. Investment process originates with Global Investment Committee which is comprised of chief investment officers and strategies from each region. This committee gives a more local perspective to the global asset allocation. It makes quantitative and qualitative work based on the RIC results of researches. The investment team has responsibility for formulating and implementing a client's strategy. Also investment team dedicates time to understand financial positions of client and to define short and long-time aims.
Bank offers its clients solutions about IPOs, right issues and block trades. It delivers innovative global products to institutional investors through its advisors. It works with analysts and economists in different countries and connects local knowledge with global perspectives. It leads research of global industry. It makes multi-asset researches, country research, sector and quantitative researches.
Deutsche bank has automatic electronic system called «Autobahn» since 1996. It provides electronic access to services harnessing bank's sales, trading and research expertise. It allows clients to gain access to Markets and Liquidity, trade electronically quickly and easily, access to bank's analytics and published content. Service «Autobahn» includes market wraps, researches, benchmark, different tools: pricing, analytics and charting. Also it includes Economic Events Calendar for significant company release. Navigating market data allows to compare current levels to history. The instrument menus are organized by product type, geographic location, industry segment and issuer. Service «trade monitor» shows value relationships in real-time. «Curve Analyzer» shows all market data graphically as a curve.

JPMorgan Chase & Co Bank

JPMorgan Chase & Co Bank (J.P. Morgan Bank).
Registration date: Oct. 7, 2007.
Moody's credit rating: AA1.
Phones: various (depends on purpose)
Website: http://www.jpmorgan.com/pages/jpmorgan/au/home.
J.P. Morgan bank was founded 130 years ago, and today it becomes one of the leading banks in the world in providing products and services to corporations and financial institutions. It has very deep client relationships and broad broduct capabilities in Australia. It provides a big variety of services: mergers, acquisitions, corporate strategy, equities research, custody, fund administration, corporate bankink and securities services. It provides also strategic advice, lend money, raise capital, helps mange risks and extend liquidity. It has service centers in Asia, Europe and North America. About 199 fixed-income professionals and 15 credit analysts in 15 offices around the world work here. It has $16.6 trillion in assets under custody and $7.5 trillion in assets under administration. Every year this bank distributes more than $100 million to the different charities all over the world. The branches of this bank are located in Sydney, Melbourne and Wellington.
J.P. Morgan bank is a supporter of transparency and efficiency in financial service industry. It takes part in the Australian Financial Markets Association's Anti-Money Laundering working groups. The investment professionals of this bank work over the world and provide strategies that span the full variety of asset classes. It offers three ranges of equities strategies: global equities, emerging market or regional and single country. It provides insight into the emerging markets of Africa, Asia, Eastern Europe, Latin America and the Middle East. Fixed income strategies include: global bonds, globale corporate credit, high yield debt, emerging market debt and short and ultra duration. This bank provides also private equity programs in the industry. The team of 45 professionals works in New York, London and Hong Kong. There is big variety of opportunities, such as targeted and first-time partnership. This bank manages currency in 4 areas: «passive currency management», «active currency managemen»t, «pure currency alpha» and «Emerging markets». It has an experience of 20 yeras in providing currency management for global investors. Today it works not only with traditional curency, such as euro and US dollars, but also it develops of new local money market funds in yuan (RMB), japan yen, singapore dollar and australian dollar. It is one of the market leaders in Latin America, Eastern Europe and Asian emerging markets. It gives its clients a competitive advantage for trade through technical researches and value-added strategy recommendations. It publishes every week and month reports about all aspects of foreign exchange markets.
J.P. Morgan bank can act as an agent on behalf of corporate clients to access capital markets and provide financing advisory to buyers of assets. This bank helps clients to dissolve different problemes in the spheres of retail. Diversified industries, energy, financial institutions, healthcare, technology, media and telecom. It provides banking services and unparalleled expertise to large and small clients in retailing of food, drugs, luxury goods or sport goods.It provides fixed-income capital through global syndicated finance, high-grade debt and high-yield finance. It provides risk-controlled solutions for portfolio restructures, helping to reduce risks, cost and administrative burdens.
This bank is a partner of The Bell Shakespeare Company's New South Wales education. Also it supports a youth leadership and development programs. It is a sponsor of Footbal United, soccer development program that helps young people to integrate them into Australian society, and manages a student leadership at Granville South High School. It is also a sponsor of The museum of Contemporary Art's Bella program. It supports programs for teenagers from West of Sydney. The aim of this program is to develop participant's creativity, communication and encourage social interaction. Enployees and volunteers of this bank take part in different activities, such as annual Day of Service.This bank is a member of the Australian Business and Community Network, which helps different students from socioeconomic backgrounds to get an education. Also students with limited opportunity get education according to the Growing Opportunity and Learning Skills (GOALS) programme. Another program of this bank is called «Reading and Literary Support». According to it business professionals spend an hour each week over two terms working with different students.

Hongkong and Shanghai Banking Corporation

Hongkong and Shanghai Banking Corporation (HSBC).
Registration date: July 22, 1987.
Moody's credit rating: AA1.
Phones: 0800802380
Website: http://www.hsbc.co.nz/.
The Hongkong and Shanghai Banking Corporation (HSBC) id one of the world's largest financial service organisations with around 8,000 offices in 87 countries and territories.It was established in 1865 to finance the growing trade between China and Europe. In 1995 was establisged the branch of this bank in New Zealad. In 2000 it was awarded as foreign bank of the year by the New Zealand Banking and Finance Magazine. The telephone of call-center is 0800 80 23 80 (or +6499188350 from overseas).
It provides a comprehensive range of financial services to around 95 million clients: personal financial services, commercial banking, global banking, global private banking. There are following saving accounts: «Online saving account», «Saving cheque» and «Multi currency». «Online saving account» allows not to pay transaction fees , the minimal balance is $15,000, monthly base fee is $15. «Saving cheque» account combines the benefits of cheque account with saving interest rate, it does'not have transaction fees, monthly fee is $15, the minimal balance is $10,000. Also clients get a free cheque book. «Multi Currency account» allows to transact in different currencies or cover expenses of chidren abroad. This account can be opened in euro, US dollars, NZ dollars, Australian dollars, Hong Kong dollars, Japan yen, Canadian dollars or Great Britain pounds. The monthly base fee is $15 and fee of transactions is $0.50. All clients can use internet banking service for more comfortable management of theis accounts. When they register for internet banking they automatically receive eStatements, a secure way to control the information they receive about accounts. They can view their balance, move money between accounts, pay bills, arrange overseas transfers.
Clients can open a term deposit in this bank, The minimal account that they need is $10,000. Interest rat depends from the period of deposit. It can be 2.20% p.a., if the period is from 1 to 2 monthes, 4.40% p.a. when the period is no less than 1 year, or it can be 6.00% p.a. when deposit account is opened for 5 years.
This bank also gives the home loans to its clients. The interest rate of this loan is 5.49% p.a. If client use HSBC home and contents insurance, this rate becomes 2.99% p.a. The term of this loan is 6 years, value of this loan can br $500,000 or more. There are different types of home loans: fixed rate home loan, floating homeloan, home equity home loan. For example when clients choose last type, they access to a pre-approved credit limit and they only pay interest on three amount they use for the number of days they use at competitive. The credit limit is $100,000.00 and interest rate is 6.30% p.a.
HSBC offers clients to invest into the following investment funds: HSBC Asia ex Japan fund, HSBC Bric fund, HSBC China fund, HSBC India fund. There is only $2 entry fee and no any other additional payments. The interest rate is 7% p.a.
Home insurance allows clients to protect their houses against damage. Also the policy includes cover for landscaping up to $2,500 or cover fir gradual damage up to $3,000. Also clients can cover personal belongings for six monthes and up to $20,000. They get 10% discount if their houes are fitted with an alarm. Clients can use car insurance in HSBC. They can cover for a rental car for 14 days, cover for business use for up to 40,00 kms per year, cover to accident costs up to $500.
HSBC offers its clients to open international accounts. The personal of the bank will give advices to clients what account they need to open depending on the country they want to go. An offshore account opening service is also subject to The Hongkong and Shanghai Banking Corporation Limited operating as a bank in choosen country or HSBC holding a Securities Act exemption notice.

Kiwibank Limited

Kiwibank Limited (Kiwibank).
Registration date: Nov. 29, 2001.
Moody's credit rating: -.
Phones: 0800113355
Website: http://www.kiwibank.co.nz/.
Kiwibank was founded in 2002. Today it has more than 650,000 customers, staff of 800 people and 300 Postshops in New Zealand. It offers the service of personal and business banking. Every time the clients of bank can communicate with it ny means of «online help» in internet or connecting with call-center 24 hours a day. The telephone of call-center is 0800 11 33 55 (or +64 4 473 11 33 from overseas).
There are following accounts or everyday banking: «Now Account», «Free up», «Front runner», «Bill blaster» and «Fast forward saver», «Online call». «Now account» allow the client to choose fees, that they can pay. They can choose option «flat monthly fee» with monthly fee of $5 or option «pay as you go» without monthly fee but with fees of electronic and transactions $0.30 and $0.50 of manual. Account «Free up» is available for individual clients. It does not have any fees of transactions and monthly fees. Account «Front runner» does not have any fees if the balance is more than $4,000. If the balance is lesы than this sum, a monthly fee is $15. There are no any fees in account «Bill baster». The interest rate us 0.50% when the balance is more than $100. The clients choosing this account can get text alerts for free. Account «Fast forward saver allows clients not to have any fees if the balance is more than $20 and they don't have any withdrawals during the month. If clients have more than one withdrawal, the fee of one transaction is $4. Account «Online call» does not have any fees, interest rate is 3.15% when the balance is more than $2,000. There are special programs for young people, which allow them to learn how to manage their finances, Clients who are younger than 18 years old can open an account without any fees. Graduates of universities can open an account with personal loan of $15,000 at a competitive interest rate.
Kiwibank offers different investment options. Clients can choose the term of deposit from 30 days to 5 years. The balance can be varied from $1,000 to $1 million. When clients invest longer than 1 year, they can choose receiving the interest rate every month or every quarter. Clients can also choose the type of investor they want to be. There are two options: «Classic» and «Self managed». When clients choose first type they leave some decisions to bank, when they choose second type, they get full control over their finances. All clients can know their investment type, when they are tested on bank official web-site.
Bank offers different loans for clients. Clients can borrow from $3,000 for many their purposes. Avery day before 4 p.m. they can come to the office of bank and apply. The term of loans can be varied from six months to seven years. Clients can get loan if they are residents of New Zealand, older 18 years and have good credit history. The interest rate of personal loan is over 13.10% Also they can get specials vehicle loans. The sum of this loan is more than $5,000. The interest rate is no less than 13.50%.
Beside it bank offers some insurance programs. For example, house insurance, contents insurance, vehicle and life insurance. House insurance has some options as covering house under construction and alteration, loss of rent, landlord's fixtures and fittings. The standard excess for house insurance is $250, but clients can choose another amounts. Clients can get full replacement cover, for example, when house was built before 1950. Within contents insurance clients can cover their jewelry (to $2,500 for item or set), business tools (to $2,000), key and locks (to $1,000). Also clients can cover children's contents, contents in storage or contents in transit. Also clients can use vehicle insurance to protect their vehicle against from accidents, fires or thefts. There are special options for vehicle insurance, such as insurance of new vehicle, covering with market value or special insurance of windscreen and window glass, Clients also can choose the most comfortable way of payment for them: direct debit, credit card or internet banking transfer.
Clients of Kiwibank can make international transfers. They can make it by means of internet banking or coming to the local Kiwibank. It takes from three to five business days for money to arrive depending the country where money are sending. Clients can send money to another international credit cards or accounts. Also they can hold funds in five foreign currencies: US Dollars, Australian Dollars, Euros, British pounds and Japanese Yen.

Kookmin Bank

Kookmin Bank (KB Bank).
Registration date: July 14, 1997.
Moody's credit rating: A1.
Phones: +64 93661000
Website: http://money.kbstar.com/quics?asfilecode=5023&_nextPage=page=eng.
Kookmin bank, established in Korea, began to work in New Zealand at 1 november 2008. At 11 March 2011 it was selected as the «Best Custodian Bank» at the «2011 Asia Inrestor Korea Awards». This bank introduced its anti-money laundering measures in November 2001 and conducted its anti-money activities. The branch of this bank in New Zealand is located in Aukcland, Albert Street, 135. Telephone of call-center is 64-9-366-1000. There are for main principles, declared by bank's management: «establishment of the basis for maximization of group synergy», «solidification of growth basis through strengthening its management», «enhancement of cost-efficiency» and «flexible countermove in market».
This bank offers funds, deposits, loans for its clients. There are following types of funds» «Securities Fund», «Real estate fund», «Special asset fund», «Mixed asset fund» and « MMF (Money Market Fund)». According to the first type of investment collective property is invested in securities. «Real estate fund» means that property is invested into real estate. The third type of funds suggests that the collective property is invested in special asset in excess the ratio which shall be no less than 40% of the collective investment property. «Mixed asset fund» means that restrictions under the provisions of securities fund shall not to be applicable in the collective investment property. Within «Money Market Fund» collective property is invested in whole in short-term financial instrument.
There are following deposits: «Kookmin Super time deposit», «Herb time deposit», «Wine time deposit». «Kookmin Super tine deposit» can be opened only by residents of New Zealand from 1 to 36 months. Interest rate changes every revolving period, that is defined by clients. After 1 month after opening this deposit partial withdrawal is allowed up to three times for each deposit. «Herb time deposit» can be opened for 12, 24 or 36 months. There are 5 types of accounts according to this deposit: «Daisy», «Jasmin», «lavender», «Rosemary» and «Mint». There are 5 types of «Wine time deposits» According to the first type interest is paid maturity, according to the second part interest is paid monthly and automatically renewed up to 10 years, the third type suggests that monthly payment consists of principal part and interest and it is transferred to saving accounts designated by holder every month. The fourth type is the same as type number three, but interest is paid during grace period (from 1 to 10 years).
There are following types of saving deposits: «Family Love installment saving deposits», «Salaryman preferential Installment saving deposit» and «Mutual installment savings deposit». «Family installment savings deposits» can be opened for 1,2 or 3 years. If any of events stated below occurs, account can be terminated before maturity date with base rate. «Salaryman Preferential installment savings deposit» can be opened by clients in the age from 18 to 60 years old. The term of this deposit can be 1,2 or 3 years. If any of events occurs, the deposit can be terminated before maturity date. The mutual deposits can be opened for the term from 6 to 60 months.
There are following demand deposits: «Salaryman Preferential account», «KB Start Savings account» and «Luxury woman saving account». «Salaryman preferential account» allows clients not to pay any fees for electronic transactions and get an interest rate of 0.2% p.a. «KB start saving account» can be opened by clients from 18 to 35 years old, it allows clients to get interest rate 0.1% p.a. «Luxury woman saving account» has an interest rate of 0.2% p.a. without fees of electronic transactions.

Rabobank (NZ) Limited

Rabobank (NZ) Limited (Rabobank).
Registration date: July 7, 1999.
Moody's credit rating: -.
Phones: 0800224433
Website: http://www.rabobank.co.nz/.
Rabobank is the world's leading food and agribusiness bank, and is one of the largest financial institutions in the world, Rabobank was founded in 1898 in the Netherlands as a rural credit cooperative by farmers who sought to provide their rural communities and today it has branches in 45 countries. The declared goal of Rabobank is to produce customer's satisfaction and loyalty. It is considered among the top 10 safest banks in the world having AAA credit rating. It is only privately owned bank having triple A rating from Standard and Poors. Rabobank international is established in 1996, but it leads its history from XIX century. The first branch in New Zealand was opened in 1994. Today iot has 9 million customers and 60,000 employers all over the world. In New Zealand it has 30 branches, and 50 branches it has in Australia. All the clients can call to bank's call-center 0800 22 44 33 from monday to friday from 8 am to 7 p.m.
Clients can open a simple account in this bank without any fees or minimum balance and with interest rate 3.60% p.a. This interest is paid every month. Clients can compare this conditions with account conditions of other banks on Rabobank official web-site and see their future income naturally in the form of graphics. Clients can open a special account for their children without any additional fees. This account allows children to learn how to manage their finances. The minimal balance is $1 for this account and interest rate is 3.60% p.a. The account «Business savings» does not have any fees or tax salaries, interest rate is 3.35% p.a., which is paid monthly. Account «Trust savings» also does nit have any additional fees and is easy to be managed by clients. The interest rate is 3.60%. Term deposit allows clients to open an account for the period from 1 month to 5 years. Interest rate is 5.90%. p.a. Minimum balance of account is $1000. There are no any additional fees. Clients can apply online on official web-site and open account. Also clients can open a cash advantage fund (CAF), a manage fund, where a number of investors pool money into one fund. The minimal balance of this account is $250 and interest rate is 3.82% p.a. Beside it clients can choose over managed funds when a number of investors pool their money into one fund which is invested by an experienced fund manager. There are 40 types of them, which can be combined in four groups: «cash», «fixed interest», «property» and «equities». The minimal balance is $250, low entry fee is 0.75%, regular Investor Plan purchases are 0.50%.
Rabobank has some services for agricultural business. For example, farmer's loans. These loans can be used to purchase or improve property, purchase livestock, refinance existing loans, fund off-farm investments or other worthwhile projects. The period of these loans can be 15 years. Interest payments can be timed to suit peak income periods. There are no any penalties for repaying on the variable rate portion of the loan. Clients can choose that access to funds what they want. Today bank not only gives loans for farmers, but also puts up money in agricultural equipment, for example, tractors, harvesters, on-farm storage, swathing, irrigation and tillage equipment. Equipment finance is becoming an increasingly essential tool for rural businesses looking to make the best of their available resources. Rabobank supports a range of New Zealand organizations – all of them are focused on developing and enriching New Zealand agriculture. The bank also undertakes a range of sponsorships aligned to industry and key commodity groups
This bank provides a full range of financial market products to its clients. It can also offer financial market solutions by securitising and restructuring the specific risks and cash flows of corporations. Rabobank offers a range of products and services to help its client manage the risks. The Rabobank Group's specialists work as advisers to some of our key middle market and corporate clients, with a focus on food, beverage and agribusiness companies. Rabobank has a global network of specialists, which work in New York, Madrid, Milan, Antwerp, Sydney. It can make combining product-expertise with the in-depth sector knowledge.

Southland Building Society Bank

Southland Building Society Bank (SBS Bank).
Registration date: Oct. 7, 2008.
Moody's credit rating: -.
Phones: 0800502442
Website: http://www.sbs.net.nz/.
Southland Building Society bank was founded in 23 March 1869. Today it is a largest building society in New Zealand and one of the buffest building societies in the world. As a bank ut was registrated in 7 october 2008. It has branches in Gore, Queenstone, Cromwell, Timaru and other New Zealand cities. Today 270 people work in head office and branches all over the country. Clients can connect with bank calling to call-center 0800 502 442.
It offers a wide range of services, such as transactional banking, investment, fuds management, insurance. SBS bank has a variety of investment options: «term investment», «i-save», «lifestages deposit portfolio» and «call accounts». Term investmen allows to open an account to a period of time. The minimal balanxe of account is $5,000, maximal is $250,000. The interest rate is 4.7% p.a. It is paid at maturity. «I-save» account can be opened in internet and does not demand any cheques or credit cards. Interest rate is 3.20%. There are no any additional fees and limitations of balance. «Lifestage deposit portfolio» is made for clients who don't want to pay ane fees and want to have competitive rate. The interest rate is 5.25% p.a. and tax rate can be from 0% to 28% , depending of different conditions. «Call accounts» allow to get interest depending on the balance of account. When the balance is more than $1,000 and less than $5,000 the interest rate is 0.75%. Interest rate becomes 2.05% p.a., when the balance is more than $5,000 and less than $10,000. If the balance is more than $10,000 and less than $100,000, it becomes 2.35% p.a. When the balance is more than $250,000 interest rate is 3.20% p.a., if it is less than this sum, interest rate is 2.65% p.a.
SBS bank offers its clients home and personal loans. The maximal period of home loan is 30 years and clients can borrow 95% of the property's value. If the value of property increases, clients can take an additional credit. Loan application fee is $400.00, discharge fee is $100.00, interest rate fix fee is $100.00. The interst rate can be 5.95% p.a., 5.65% p.a. or 6.45% p.a. Also clients can get personal loans for a few minutes. They need to apply online on bank official web-site. SBS bank has special programmes for agricultural business, including agribusiness loans, seasonal finance and term investment.
Also bank makes insurance services, such as loan repayment insurance, term life insurance, payment protection insurance, funeral cover insurance, travel insurance, motor vehicle insurance, content and house insurance. Loan Repayment Insurance is a decreasing cover policy, which means the insured sum of money reduces to a null balance over the specified term of policy, when some accident happens, for example, death or terminal illness. Term live insurance means that family of client can be financially unscathed, when somewhat happens. Payment protection allows to pay all loans by the bank, ehen client becomes incapacitated. Funeral cover insurance is made for people between 55 and 75 years old. The travel insurance is available for travellers under 70 years old and does not provide cover for preexisteng medical conditions. Vehicle insurance allows clients to cover their vehicle private vehicle if it is stolen, or damaged in an accident, fire or natural disaster. By means of contents insurance policy clients can protect their personal belongings, including jewellery up to $2,500. House insurance allows clients to cover their houses for accidental damage, including damage by fire, water, natural disaster or a burglary.
Bank has special international services, such as telegraphic transfers, drafts, such as processing foreign cheques. Telegraphic transfers are the safest and quickest method of transferring money internationally. Clients of the bank need SBS swift code to receive moneyin the branches of the bank.
Today bank is a sponsor of 290 organisations in New Zealand. It has invested more than $3 million in the SBS community. For example, bank is a sponsor of Cancer Society Gala Ball and Otago community hospice.

The Bank of Tokyo-Mitsubishi UFJ

The Bank of Tokyo-Mitsubishi UFJ (Mitsubishi UFJ Financial Group Bank).
Registration date: March 1, 2004.
Moody's credit rating: AA2.
Phones: +64 93023554
Website: http://www.mufg.jp/english/.
The Bank of Mitsubishi was founded in August, 1919. UFJ bank was established in 2002 by the merger of Sanwa Bank. Bank of Tokyo-Mitsubishi was established in 1994 as a result of amalgamation of Tokyo bank and bank of «Mitsubishi», and Today 34902 people work here. This bank has 772 branches in Japan and 76 overseas. It has an office in Auckland at address 151 Queen street. The telephone of call-center is 64-9-302-3554. Bank of Tokyo-Mitsubishi UFJ provides diverse corporate banking and finance services through a comprehensive network of branches, offices and subsidiaries in the world's commercial centers. This bank is a part of Mitsubishi UFJ Financial Group.
Mitsubishi Financial Group was founded in 2 april 2000. In July 2004 it was integrated with UFJ Grop. MUFG Group includes commercial banks, trust banks, securities companies, credit card companies, consumer finance companies, investment trust companies. This utilizes the integrated business group system comprising three basic business groups; Retail, Corporate and Trust Asset. There are following companies-members of this group: «Bank of Tokyo-Mitsubichi UFJ», «Mitsubishi UFI Trust and Banking», «Mitsubishi UFJ Securities Holdings», «Mitsubishi UFI Morgan Stanley Securities», «Mitsubishi UFJ Lease and Finance», «BOT Lease» and «NBL». The declared aims of this bank are following: to respond quickly to the needs of its clients and stockholders and inspire their trust and confidence, to offer innovative financial services and develop new technologies, to provide the opportunities fir its employees. MUFG Group aims to use its Group strengths to the maximum, leveraging the leading global network amongst Japanese banks. The symbols of this company are overlapping circles signung that new financial services are generated from group's collective efforts. The colors of emblem are red and grey represent the dynamism in changing of financial service.
In 2010 year The Bank has been addressing non-performing loans and other claims as a management issue of importance. It continues to make efforts to reduce these assets through disposals by write-offs and sales or the implementation of turnaround programs for recoverable borrowers.
This bank declares a resolute stance against criminal groups and anti-social elements. It also declares that it alert to the possibility that funds might be used for criminal or terrorist purpose. MUFG Group accepted "Addressing Global Environmental Issues" and "Nurturing Society's Next Generation" as the two priority themes for its CSR activities. In 22 december 2005 the bank has assigned the «Equator Principles». The Equator Principles are principles of action that financial institutions established voluntarily in order to avoid and mitigate the social and environmental impact attributed to the development project. Each financial institution that adopts the Equator Principles should undertake to consult with a borrower in order to adhere to the principles, and will not provide financing to the project where the borrower will not or is unable to comply with its respective policies and procedures. Through its business activities, the bank declares environmental protection efforts by both industry and individuals that contribute to realizing a sustainable society. It aims to reduce environmental risks and support business activities that contribute to the protection of environment. Providing financial advisory services to clients Social and Environmental Risk Assessment Office of this Bank will support from an early stage that the project could adhere to the requirements of the Equator Principles.It makes the education and training to employees aimed at deepening their understanding of social and environmental risks in business and the basic concept and procedure of the Equator Principles.

Westpac (NZ) Limited

Westpac (NZ) Limited (Westpac).
Registration date: April 1, 1987.
Moody's credit rating: AA2.
Phones: 0800400600
Website: http://www.westpac.co.nz/.
Westpac bank was founded in 1861. It was called then «The Bank of new South Wales». First telephones appeared in this bank in 1886, and first machines appeared here in 1920. This bank got the modern name «Westpac» in 1982, in the same year first debit cards were introduced here. In 2006, first Talking Automatic teller Machines (ATMs) were launched in Westpac. Today this bank has over 1.2 million customers and staff of 5,500 people, around 200 branches and 500 ATMs. It supports a broad range of programs and organizations, such as Westpac Rescue Helicopters (a 24-hour service which helps badly injured patients, or quick delivers medics to hospital); free Managing Your Money workshops (there are tools, budgeting calculators, free seminars and workshops to help clients manage their money). Today it has branches in Amberley, Barrington, Bishopdate, Easrgaet, Fendalton Mall, Lincoln Merivale, New Brighton, Papanui, Rangiora and another cities in New Zealand. The telephone of call-center is 0800 400 600.
There are following saving accounts: «Online Saver», «Online bonus Saver», «Simple Saver», «Save and win» and «Bonus Saver». «Online saver» account does not demand any minimal balance. Monthly base fee is 3.00% without depending of balance. Base interest rate is 0.25% p.a., bonus interest rate (when client makes at least one deposit no withdrawals in a month) is 3.25% p.a. «Online bonus Saver» does not demand minimal balance and does not have any fees. Base interest rate is 0.25% p.a. and bonus interest rate is 3.25% p.a. «Simple Saver account» does not have any fees. Interest rate is 2.00% p.a. «Save and win» account allows to take part in monthly prize draws. There are 5 prizes of $10,000 and 500 prizes of $100. Every $1 of balsnce gives clients a chance to win. The interest rate is 0.25% p.a. It is calculated daily and it is paid on the last business day of each month. There are no any additional fees. «Bonus Saver» account does not have any additional fees and the interest rate does not depend on balance. Base interest is 0.25% p.a. and bonus interest is 0.75% p.a. Also clients can open special accounts for children. It is designed for parents, guardians and family members, they can easier pay school fees, buy school uniform or computer. This account does not have any additional fees.
Also bank has following investment options: «Kiwi Saver», «Term deposit», «Term PIE Fund», «Corporate Bond Fund», «Multi-Sector Unit Trust» and «Mortgage Investment Fund». If clients want to use «Kiwi Saver» investment program, they must be New Zealand citizens or live in New Zealand indefinitely, also they must be younger than 65 years. Employees can choose to contribute 2%, 4%, or 8% of their gross salary or wages. If client wants to buy its first home after of 3 years of Kiwi Saver membership, client may withdraw all or part of its contributions. Term deposits allow to open accounts for the term from 30 days to 5 years. The minimal balance is $5,000. The interest rate depends from term. When the period of deposit is 180 days, interest rate is 4.25% p.a., when it is 18 months, interest rate is 4.80% p.a. and if term is 2 year and more interest rate is 4.80% p.a. «Term PIE fund» works in the same way as term deposit with one additional option: client's income is taxed at a lower rate (28%). There are no any additional fees and minimal balance is $5,000. «Muli-Dector Unit Trusts» accounts allow clients to choose three unit trusts with different spread of investment: «Westpac Income Plius Trust» with lower risk level, «Westpac Diversified Trust» with medium risk level and «Westpac Grouth trust» with higher risk level. A weekly administration fee is $1.95, a trust fee is 0.10% p.a., and management fee is 1.75% p.a. «Mortgage investment Fund» is a low-risk group investment. Clients have ability to withdraw all or part of their investment without any charges, the lump sum is $5000.
Bank offers clients some insurance programs: life insurance, home loan insurance, bill protection insurance, income protection insurance, home insurance and contents insurance. With life insurance clients can get money in a case of death or illness. The life insurance policy can be continued to the age of 100. Home loan insurance can help clients to make their mortgage repayments if they die or are unable to work. Income protection insurance is available for clients from 19 tp 60 years old. It protects 75% of income before tax. Bill protection insurance allows to cover housegold bills in case of illness, injury or bankruptcy. Home insurance provides to cover home for accidental damage or burglary. The minimum excess is $250 for each claim. Contents insurance allows to protect belongings from accidental loss, theft or damage. The minimum excess is $250 for each claim, when client lives in his proper house, or $550 for each claim when client lives in rental house.

TSB Bank Limited

TSB Bank Limited (TSB Bank).
Registration date: June 8, 1989.
Moody's credit rating: -.
Phones: 0800 406 406
Website: http://www.tsb.co.nz/.
TSB bank was founded in 1850 in New Zealand . In 1860, the first branch office in New Plumouth was opened. In 1972, first computers were installed in the bank's office. In 2010, bank deposits became equal $4 billions. Today it has branches in Wellington, Nelson, Palmerston North, Hawke's bay, Taranaki, Hamilton, Auckland and Tauranga. Call-center telephone is 0800 406 406.
There are following transactional accounts: «Premier cheque», «Saver plus», «Horizon plan», «Web saver». «Premier cheque» account allows to get interest rate depending on value of balance. When balance is less than $19,999, interest rate is 3.00%, if balance is more than $20,000 and less than $35,000 interest rate becomes 3,25% p.a. When balance is more than $35,000 interest rate is 3.50% p.a. This account demands minimal balance $25,000. There are no any additional fees, and beside it clients have a chance to win $25,000 every month. Account «Saver plus» has minimal balance $500 and allows clients not to pay any additional fees and to win a monthly prize Toyota FJ cruiser. «Horizon plan» account a Minimal balance is $1,000 and fee of $5 is discounted of every transaction. The interest rate paid quarterly is 3.00% p.a. Account «Web saver» demands minimal balance of $1,000. It allows clients to get interest rate 3.25% every 3 months.
TSB bank offers home credits for clients. To apply these credits they need to get a copy of sale and purchase agreement, copy of recent bank statements or pay slips with household income, a copy with plans and specifications. Interest rate of these loans can be fixed, floating, or combi-loan. Client who wishes to get this loan must be resident or citizen of New Zealand, and doesn't own other houses. It may be from 5.50% p.a. to 5.79% p.a. The term can be varied from 6 moths to 5 years. The credit limit is $200,000, but clients can borrow $280,000 or $350,000 depending where the property clients wants to buy is.
Bank also offers its clients programs of investment. Clients can get interest every six months or at maturity if the term is less than six months. Interest rate depends on term of deposit and sum of balance. If the term is 1 month, interest rate becomes 2.75% p.a. for balance less than $10,000, and 3.00% p.a. for balance more than this sum. Interest rate with a term 12 months becomes 4.25% p.a. for balance less than $10,000, and 4.70% for balance more than this sum. If the term of deposit is 60 months, then interest rate is 5.75% p.a (if the balance is less than $10,000) or 6.00% p.a. (when balance is more than $10,000). The minimal value of deposit is $5,000. For amounts greater than $1 million bank can offer a special rate. If clients use internet services to manage their accounts, all their money will be protected. When they want to make payments in internet that are more than $1,000 or more, they can use TSB Bank Security Token to protect their money. A one-off fee will be charged for the token.
TSB bank also offers service of foreign exchange. Clients can cash in over 28 currencies. Clients can use American Express traveller cheques and Travell Cash Passports too. Bank offers drafts, telegraphic transfers, forward exchange contracts and international trade options. Clients can open accounts in following currencies: US dollars, Great British pounds, Japanese Yen, Euro, Australian Dollars, Hong Kong Dollars, Singapore Dollars and Canadian Dollars. Other currencies may be available too by request.
Also TSB bank offers house, contents and motor insurance. There are two levels of cover: full replacement cover (with this level house could be rebuilt, replaced to a new condition as the same area subscribed in certificate) and present day value (house could be repaired or replaced to the condition no better than new). Both types of insurance allow to protect house from accidental physical loss or damage. There are special conditions for old houses. Contents insurance allows to protect domestic furniture, sporting goods, compact disks, cosmetics an books older than 10 years. Also clients can protect their vehicle from damage and physical loss caused by fire or theft. If vehicle is stolen or becomes a total lost, clients can cover during seven days.

Do you interested in this article? please visit here

Translate

Sabtu, 31 Desember 2011

Selasa, 13 Desember 2011

Sabtu, 10 Desember 2011

Senin, 05 Desember 2011

ANZ National Bank

ASB Bank Limited

Bank of Baroda (NZ)

Bank of New Zealand

Citibank NZ

Deutsche Bank AG (NZ)

JPMorgan Chase & Co Bank

Hongkong and Shanghai Banking Corporation

Kiwibank Limited

Kookmin Bank

Rabobank (NZ) Limited

Southland Building Society Bank

The Bank of Tokyo-Mitsubishi UFJ

Westpac (NZ) Limited

TSB Bank Limited

Minggu, 04 Desember 2011

Social Profiles

Total Tayangan Halaman

Pengunjung Blog

ads

Please Click

all about me

Pengikut

Arsip Blog

Labels

Blogroll

Blogger templates

Sponsor Ads