Lição 3: English for Finance and Banking

Finalidades e objectivos

Neste capítulo irá aprender e praticar vocabulário relacionado com o setor financeiro e bancário.

Irá praticar as seguintes competências e funções::

descrever funções bancárias básicas
sistema de pagamento

Foco gramatical desta lição:

Vocabulário

	conta
	número de conta
	montante
	multibanco
	saldo
	banco
	despesas bancárias
	cédula
(U.S.)	nota
	filial
	dinheiro
	caixa
(U.S.)	cheque
(U.S.)	conta corrente
(British)	cheque
	livro de cheques
	moeda
	comissão
	cartão de crédito
(British)	conta a ordem
	conta a prazo
	taxa de câmbio
	moeda estrangeira
	interesse
	taxa de interesse
	investmento
	empréstimo
	sede
	dinheiro
	hipoteca
	lucro
	taxa
	recibo
	conta a ordem
	partes
	assinatura
	indicação
	bolsa de valores
	depositar
	lucrar
	investir
	emprestar
	fazer uma trasnferência
	pagar
	assinar
	transferir

Frazes

	preencha este formulário por favor.
	gostaria de trocar algum dinheiro para euros, por favor.
	gostaria de depositar algum dinheiro an minha conta, por favor.*
	gostaria de levantar algum dinheiro da minha conta, por favor.*

Exercícios de vocabulário

Exercício1: Exercícios de vocabulário

Completem a tradução certa para cada expressão que segue.

moeda estrangeira [?]
conta a ordem [?]
preencha este formulário por favor. [?]
despesas bancárias [?]
dinheiro [?]
empréstimo [?]
recibo [?]
livro de cheques [?]
lucrar [?]
taxa [?]
multibanco [?]
cheque [?]
sede [?]
gostaria de depositar algum dinheiro an minha conta, por favor.* [?]
gostaria de levantar algum dinheiro da minha conta, por favor.* [?]
número de conta [?]
comissão [?]
lucro [?]
partes [?]
investmento [?]
conta a ordem [?]
filial [?]
fazer uma trasnferência [?]
assinar [?]
depositar [?]
interesse [?]
taxa de interesse [?]
transferir [?]
caixa [?]
conta [?]
conta a prazo [?]
conta corrente [?]
cheque [?]
emprestar [?]
moeda [?]
banco [?]
hipoteca [?]
taxa de câmbio [?]
cédula [?]
investir [?]
nota [?]
dinheiro [?]
bolsa de valores [?]
pagar [?]
montante [?]
indicação [?]
assinatura [?]
cartão de crédito [?]
saldo [?]
gostaria de trocar algum dinheiro para euros, por favor. [?]

Exercícios auditivos

Exercício1: Questões da escolha múltipla

Escolham a resposta correcta.

Gravaçaõ:

Transcriçaõ:

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.

Este exercício é disponível também na forma puramente audio/oral:

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.

[?]

Exercício2: Questões da escolha múltipla

Escolham a resposta correcta.

Gravaçaõ:

Transcriçaõ:

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.

Este exercício é disponível também na forma puramente audio/oral:

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.

[?]

Exercício3: Questões da escolha múltipla

Escolham a resposta correcta.

Gravaçaõ:

Transcriçaõ:

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.

Este exercício é disponível também na forma puramente audio/oral:

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.

[?]

Exercício4: Questões da escolha múltipla

Escolham a resposta correcta.

Gravaçaõ:

Transcriçaõ:

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.

Este exercício é disponível também na forma puramente audio/oral:

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.

[?]

Compreenção geral

Exercício1: Certa/errada

Para cada afirmação em baixo escolham se é certa ou errada.

Exercício2: Completaçaõ das frazes

Exercitem a fala. Completem as frazes que ouvem na gravaçaõ, conforme o modelo.

Exercícios gramaticais

Exercício1: Substituição

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

Exercício2: Substituição

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

Exercício3: Transformação

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

Exercício4: O que é correcto

Escolham a resposta correcta.

Consolidação

Exercício1: Certa/errada

Para cada afirmação em baixo escolham se é certa ou errada.

Gravaçaõ:

Transcriçaõ:

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.

Este exercício é disponível também na forma puramente audio/oral:

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.

[?]

Exercício2: Dictado

Escutem a gravação completa. Depois passem à casa de entrada ao usar a tecla „>“ para passar o dictado aos partes e escrevam o texto dictado. Mais informações a procurar no apontamento para os exercícios.

Exercício3: Jogo de completo

Escutem atentivamente a gravação e depois completem os espaços vazios no texto abaixo ao usar as mesmas palavras.

Gravaçaõ:

Transcriçaõ:

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.

Exercício4: Completação com a escolha

Escolham a possibilidade mais conveniente para completar as frazes seguintes.

Este exercício é disponível também na forma puramente audio/oral:

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.

[?]

Lista de controle

Utilize a seguinte lista para saber se tirou o máximo partido desta unidade. Deveria ser capaz de:

utilizar vocabulário e termos relacionados com o setor bancário