Lekcia 3: English for Finance and Banking

Ciele a zameranie

V tejto lekcii si osvojíte slovnú zásobu z oblasti financií a bankovníctva.

Precvičíte si nasledujúce schopnosti a znalosti:

Popis základných funkcií banky
Spôsoby platby

Gramatické zameranie tejto lekcie:

Slovná zásoba

Slovíčka

	konto
	číslo účtu
	suma
	bankomat
	konečný stav na účte
	banka
	bankový poplatok
	bankovka
(U.S.)	bankovka
	pobočka
	hotovosť
	pokladník
(U.S.)	pozrieť sa
(U.S.)	bežný účet
(British)	šek
	šeková knižka
	drobná minca
	splnomocnenie
	kreditná karta
(British)	bežný účet
	vkladový účet
	menový kurz
	cudzia mena
	úrok
	úroková sadzba
	investícia
	pôžička
	hlavná kancelária
	peniaze
	hypotéka
	zisk
	sadzba
	príjmový doklad
	sporiteľný účet
	akcie
	podpis
	výpis z účtu
	burza cenných papierov
	preplatiť
	zarobiť
	investovať
	požičať
	urobiť prevod
	(za)platiť
	podpísať
	previesť

Frázy

	Vyplňte tento formulár, prosím.
	Chcel by som, prosím, zameniť nejaké peniaze za eurá.
	Rád by som si uložil nejaké peniaze na konto, prosím.
	Rád by som si vybral nejaké peniaze z účtu, prosím.

Precvičovanie slovnej zásoby

Cvičenie 1: Precvičovanie slovnej zásoby

Doplňte správny preklad pre každý z nasledujúcich výrazov.

cudzia mena [?]
sporiteľný účet [?]
Vyplňte tento formulár, prosím. [?]
bankový poplatok [?]
peniaze [?]
pôžička [?]
príjmový doklad [?]
šeková knižka [?]
zarobiť [?]
sadzba [?]
bankomat [?]
pozrieť sa [?]
hlavná kancelária [?]
Rád by som si uložil nejaké peniaze na konto, prosím. [?]
Rád by som si vybral nejaké peniaze z účtu, prosím. [?]
číslo účtu [?]
splnomocnenie [?]
zisk [?]
akcie [?]
investícia [?]
bežný účet [?]
pobočka [?]
urobiť prevod [?]
podpísať [?]
preplatiť [?]
úrok [?]
úroková sadzba [?]
previesť [?]
pokladník [?]
konto [?]
vkladový účet [?]
bežný účet [?]
šek [?]
požičať [?]
drobná minca [?]
banka [?]
hypotéka [?]
menový kurz [?]
bankovka [?]
investovať [?]
bankovka [?]
hotovosť [?]
burza cenných papierov [?]
(za)platiť [?]
suma [?]
výpis z účtu [?]
podpis [?]
kreditná karta [?]
konečný stav na účte [?]
Chcel by som, prosím, zameniť nejaké peniaze za eurá. [?]

Posluchové cvičenia

Cvičenie 1: Začiarkávací test

Zvoľte správnu odpoveď.

Nahrávka:

Prepis:

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.

Toto cvičenie je k dispozícii tiež v čisto posluchovej/ústnej forme:

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.

[?]

Cvičenie 2: Začiarkávací test

Zvoľte správnu odpoveď.

Nahrávka:

Prepis:

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.

Toto cvičenie je k dispozícii tiež v čisto posluchovej/ústnej forme:

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.

[?]

Cvičenie 3: Začiarkávací test

Zvoľte správnu odpoveď.

Nahrávka:

Prepis:

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.

Toto cvičenie je k dispozícii tiež v čisto posluchovej/ústnej forme:

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.

[?]

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.

Toto cvičenie je k dispozícii tiež v čisto posluchovej/ústnej forme:

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.

[?]

Všeobecné porozumenie

Cvičenie 1: Pravda/nepravda

U každého z nižšie uvedených tvrdení zvoľte, či je pravdivé alebo nie.

Cvičenie 2: Dokončovanie viet

Precvičte si hovorenie. Podľa vzoru dopĺňajte vety, ktoré počujete.

Precvičovanie gramatiky

Cvičenie 1: Nahradzovanie

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

Cvičenie 2: Nahradzovanie

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

Cvičenie 3: Transformácie

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

Cvičenie 4: Čo je správne

Zvoľte správnu odpoveď.

Upevňovanie vedomostí

Cvičenie 1: Pravda/nepravda

U každého z nižšie uvedených tvrdení zvoľte, či je pravdivé alebo nie.

Nahrávka:

Prepis:

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.

Toto cvičenie je k dispozícii tiež v čisto posluchovej/ústnej forme:

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.

[?]

Cvičenie 2: Diktát

Najskôr si raz vypočujte kompletnú nahrávku. Potom prejdite do veľkého textového vstupného poľa nižšie a použite kláves ‘>’ a prehrávajte diktát po častiach. Diktovaný text zapisujte. Viac informácií nájdete v pomocníkovi k cvičeniu.

Cvičenie 3: Doplňovačka

Pozorne si vypočujte nahrávku a potom vyplňte vynechané miesta v nižšie uvedenom texte s použitím rovnakých slov.

Nahrávka:

Prepis:

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.

Cvičenie 4: Doplňovanie s výberom

Vyberte najvhodnejšiu možnosť na doplnenie každej z nasledujúcich viet.

Toto cvičenie je k dispozícii tiež v čisto posluchovej/ústnej forme:

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.

[?]

Kontrolný zoznam

Po dokončení tejto lekcie by ste mali byť schopní:

Používať slovník a termíny z oblasti bankovníctva