Leksjon 3: English for Finance and Banking

Mål og Formål

I denne leksjonen vil du lære ord og uttrykk knyttet til finans og bankvesen.

Du vil øve deg på det følgende:: Beskrive en banks grunnleggende funksjoner *Kjenne til ulike betalingssystemer

Det grammatiske fokuset for denne leksjon er:

Vokabular

Uttrykk

	konto
	kontonummer
	beløp
	minibank
	saldo
	bank
	bankgebyr
	pengeseddel
(U.S.)	regning
	filial
	penger
	kasserer
(U.S.)	sjekk
(U.S.)	sjekkonto
(British)	sjekk
	sjekkhefte
	mynt
	fullmakt, provisjon
	kredittkort
(British)	foliokonto
	sparekonto
	valutakurs
	valuta
	rente
	rentekurs
	investering
	lån
	hovedkontor
	penger
	pant, belåne (bolig)
	profitt
	kurs, takst, verdi
	kvittering
	sparekonto
	aksjer
	signatur
	utskrift
	aksjebørs
	å tjene, innkassere
	å tjene
	å investere
	å låne
	å foreta en overføring
	å betale
	å signere
	å overføre

Fraser

	Fyll ut dette skjemaet, takk
	Jeg vil gjerne veksle penger til euro
	Jeg vil gjerne sette inn penger på min konto
	Jeg vil gjerne ta ut penger fra min konto

Vokabularøvelse

Øvelse 1: Test deg selv

Sett inn den korrekte oversettelsen av hvert uttrykk.

valuta [?]
sparekonto [?]
Fyll ut dette skjemaet, takk [?]
bankgebyr [?]
penger [?]
lån [?]
kvittering [?]
sjekkhefte [?]
å tjene [?]
kurs, takst, verdi [?]
minibank [?]
sjekk [?]
hovedkontor [?]
Jeg vil gjerne sette inn penger på min konto [?]
Jeg vil gjerne ta ut penger fra min konto [?]
kontonummer [?]
fullmakt, provisjon [?]
profitt [?]
aksjer [?]
investering [?]
foliokonto [?]
filial [?]
å foreta en overføring [?]
å signere [?]
å tjene, innkassere [?]
rente [?]
rentekurs [?]
å overføre [?]
kasserer [?]
konto [?]
sparekonto [?]
sjekkonto [?]
sjekk [?]
å låne [?]
mynt [?]
bank [?]
pant, belåne (bolig) [?]
valutakurs [?]
pengeseddel [?]
å investere [?]
regning [?]
penger [?]
aksjebørs [?]
å betale [?]
beløp [?]
utskrift [?]
signatur [?]
kredittkort [?]
saldo [?]
Jeg vil gjerne veksle penger til euro [?]

Høreforståelse

Øvelse 1: Flervalgsoppgaver

Velg det rette svaret.

Opptak:

Transkripsjon:

Cashier	Good morning, madam.
Woman	Good morning. I have a little problem. I'd like to buy some books from America but I don't know the best way to pay for them. What do you recommend?
Cashier	Well, you can give them your credit card number, or you can make a transfer. It's probably better to make a transfer.
Woman	Is a transfer very expensive?

Cashier: No, but there is a small commission.

Denne øvelsen kan også gjøres bare ved å lytte/muntlig:

What does the woman want to buy?
a.
b.
c.

[?]
Where does she want to buy the books from?
a.
b.
c.

[?]
What does the cashier recommend her to do?
a.
b.
c.

[?]

Øvelse 2: Flervalgsoppgaver

Velg det rette svaret.

Opptak:

Transkripsjon:

Cashier	Good afternoon, sir.
Man	Good afternoon. I've just come back from a business trip to Japan and I've got some Japanese currency that I'd like to change into euros. Is that possible?
Cashier	We can take the bank notes, but I'm afraid we can't change the coins.
Man	OK, then could you change these notes for me, please?
Cashier	Certainly, sir. I'll just check today's exchange rate.

Denne øvelsen kan også gjøres bare ved å lytte/muntlig:

Where has the man been?
a.
b.
c.

[?]
Why was he there? Was he:
a.
b.
c.

[?]
What can the cashier change?
a.
b.
c.

[?]
Has the exchange rate gone down, or up?
a.
b.
c.

[?]

Øvelse 3: Flervalgsoppgaver

Velg det rette svaret.

Opptak:

Transkripsjon:

Cashier	Good morning, madam.
Woman	Good morning. I'd like to open an account, please.
Cashier	Certainly, madam. Do you live here in Manchester?
Woman	Yes, I'm studying economics at the university.
Cashier	What sort of account would you like?
Woman	I don't know. A current account, I suppose.
Cashier	Well, we can open a current account for you of course, but we usually recommend students to have a special deposit account.
Woman	Oh, why's that?
Cashier	With a deposit account you get a better rate of interest, and you can still take money out when you want.
Woman	But I can't have a cheque-book, right?
Cashier	Yes, that's right.

Denne øvelsen kan også gjøres bare ved å lytte/muntlig:

Where is the bank?
a.
b.
c.

[?]
What is she studying at university there?
a.
b.
c.

[?]
What kind of account does the cashier recommend?
a.
b.
c.

[?]
What's the disadvantage of a deposit account?
a.
b.
c.

[?]

Øvelse 4: Flervalgsoppgaver

Velg det rette svaret.

Opptak:

Transkripsjon:

Ivan is from Kazakhstan and is now living in Spain. He doesn't know what to do with all his money so he asks his Spanish friend for some information. His friend Pepe tells him that he can put his money in a bank account to earn interest, or he can buy shares on the Stock Exchange. He explains that there are different kinds of account, and that different banks offer different interest rates on the money in your account and also on loans when they lend you money. He also tells him about the most popular credit cards - Visa, Mastercard and American Express - and how you can usually use your credit card to get cash from an ATM.

Denne øvelsen kan også gjøres bare ved å lytte/muntlig:

Where is Ivan from?
a.
b.
c.

[?]
Ivan doesn't know what to do with:
a.
b.
c.

[?]
One of the credit cards that Pepe recommends is:
a.
b.
c.

[?]
When a bank gives you a loan, you have to:
a.
b.
c.

[?]

Generell forståelse

Øvelse 1: Riktig/feil

For hvert av utsagnene nedenfor velg Riktig eller Feil.

Øvelse 2: Fullfør setningene

Taleøvelser. Fullfør setningene du hører ved å følge eksempelet.

Grammatikkøvelse

Øvelse 1: Bytt ut

A polite way to ask for something is with the expression "I'd like ...". Let's practise this.

Øvelse 2: Bytt ut

The question corresponding to "I'd like ..." is "Would you like ...". Let's practise.

Øvelse 3: Transformasjon

In American English, people always use "Do you have ... ?". In British English, people often use "Have you got ...?". Let's practise.

Øvelse 4: Utvalg

Velg det rette svaret.

Konsolidering

Øvelse 1: Riktig/feil

For hvert av utsagnene nedenfor velg Riktig eller Feil.

Opptak:

Transkripsjon:

There are several different kinds of banks. National central banks control and supervise the financial system in their country. In the European Union the national central banks of the euro zone are now controlled and supervised by the European Central Bank in Frankfurt.

Other types of bank specialise in different services or in a particular region or a particular type of economic activity such as agriculture or industry.

Commercial banks and savings banks receive and hold deposits in current accounts, savings accounts and deposit accounts, make payments for their customers, lend money, and offer investment advice, foreign exchange facilities, and so on. Many banks nowadays also offer online banking services.

Some banks only have branches in one region or country; large international banks have branches in many countries.

What they all have in common, however, is that they make a profit from the difference between the interest rates they pay on deposits and the interest rates they charge on loans, and of course from the commissions they charge for their services.

Denne øvelsen kan også gjøres bare ved å lytte/muntlig:

All banks offer the same services.

[?]
Central banks in the euro zone are supervised by the European Central Bank.

[?]
The European Central Bank is in Germany.

[?]
There are no banks that specialise in services to agriculture.

[?]
All banks nowadays offer online banking services.

[?]
Some banks only have branches in one region or country.

[?]
The interest that banks pay a customer is higher than the interest they charge.

[?]
Banks charge their customers for their services.

[?]

Øvelse 2: Diktat

Lytt til hele innspillingen først. Gå deretter til tekstboksen og bruk '>'-tasten for å høre på teksten del for del. Skriv hva du hører inn i tekstboksen. For detaljerte instruksjoner, se i Hjelp-seksjonen.

Øvelse 3: Fyll ut

Lytt godt på opptaket og fyll deretter ut hullene i teksten nedenfor ved å bruke samme ord.

Opptak:

Transkripsjon:

Commercial banks and savings banks receive and hold deposits [?] current accounts, savings accounts and deposit accounts, make payments [?] their customers, lend money, [?] offer investment advice, foreign exchange facilities, and so on. [?] banks nowadays also offer online banking services. [?] banks only have branches in one region or country; large international banks have [?] in many countries.

What they all have in common, [?], is that they make a profit from the difference [?] the interest rates they pay on deposits and the interest rates they charge [?] loans, and of course from the commissions they charge [?] their services.

Øvelse 4: Fyll hullene

Velg den riktige valgmuligheten for å fylle hullene i følgende setninger.

Denne øvelsen kan også gjøres bare ved å lytte/muntlig:

If you want to send money to somebody, you can ____ a transfer.
a.
b.
c.

[?]
John Barker has just come back from a business ____ to Japan.
a.
b.
c.

[?]
Hello. I'd like to change this money ____ euros, please.
a.
b.
c.

[?]
We can change the banknotes, but not the ____ .
a.
b.
c.

[?]
What ____ account would you like to open?
a.
b.
c.

[?]
With a deposit account, you get a better ____ of interest.
a.
b.
c.

[?]
A mortgage is a kind of ____ .
a.
b.
c.

[?]
When a bank gives you a loan, they normally ____ interest.
a.
b.
c.

[?]
Would you like to pay ____ transfer or credit card?
a.
b.
c.

[?]
Has the exchange rate gone ____ , or down?
a.
b.
c.

[?]
Ivan asked his friend for ____ information.
a.
b.
c.

[?]
Pepe ____ him about banks.
a.
b.
c.

[?]
If you put your money in a deposit account, it ____ interest.
a.
b.
c.

[?]
Mary is studying Economics ____ Manchester University.
a.
b.
c.

[?]
Can you use your credit card to get ____ from an ATM?
a.
b.
c.

[?]
You can invest your money by buying ____ on the Stock Exchange.
a.
b.
c.

[?]
Big banks usually have a lot of ____ .
a.
b.
c.

[?]
If you want to check your account, you can ask your bank for a ____ .
a.
b.
c.

[?]
Do you get a ____ when you pay with a credit card?
a.
b.
c.

[?]
The person who can give you cash or take your cash in the bank is called a ____ .
a.
b.
c.

[?]

Sjekkliste

Når du er ferdig med denne leksjonen, skal du være i stand til å:

Bruke ord og uttrykk som har med bankvesen å gjøre