new insights into business ocr small (835551), страница 11
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This programme is nowin the final stages and once complete will8 ________ ‘_______ considerable savings in both costand time. While I am happy in my present position, Iwould welcome the challenge of managing a biggerteam. I firmly 9 _________________ the value ofteamwork and power sharing which I know areimportant elements in the working environment ofyour company. Moreover, I feel sure that on both apersonal and professional level I would be able to10________________ the opportunity of working fora company with such a well-established internationalreputation.55unitBankingKeyV o c a b u l a r y 'r aThe banking sector in the United Kingdom is made up of a variety of institutionssupervised by the country's central bank, The Bank o f England.
This bank looks afterthe government's finance and monetary policy and acts as banker to other banks.However, for the general public and many businesses, banking services are provided bycommercial banks, or clearing banks, which have branches throughout thecountry. These banks offer a wide range of services which include accepting deposits,making loans and managing customers' accounts. M erchant banks, on the otherhand, do not deal with the public but specialise in services for companies or corporatecustomers.
They are particularly active in arranging mergers and acquisitions and inadvising on aspects of corporate finance.In pairs, make a list of the different services that banks in your countryprovide for the general public. Tick the services that you use.Example: current account /HSBC <!►2SListen to Eleanor Stevens, an HSBC Bank branch manager, describing thebank that she manages. Make notes under these headings.LocationNumber of customersOpening hoursServices offeredNumber of employeesRole in the communityHow do the services offered by this bank compare with those available from abank of a similar size in your country?56BankingMatch the banking words with the illustrations below.12345chequebook (US checkbook) jbank statementcredit card or debit cardbill (US check)traveller's cheques(US traveler's checks)678910bank notes (US bills)coinskeyboardscreencash machine or cashpoint(US ATM)12345check how much money you had in your bank account several weeks ago?take money with you for a visit to a foreign country?see how much you have to pay for the electricity you used last month?send payment by post?take money out of your account on a Sunday?57u n it sixIn pairs, make a list of the services that a company would expect from a bank.Read the text which describes the Bank of Scotland's Home and OfficeBanking System (HOBS), and see which points in your list are mentioned.scenei It's 6.30 on Monday morning.
You're on a shuttle en-routeTHE KEY T O ....................................................... (2)for London and a crucial meeting that w ill play a large pa rt5W ith HOBS, you no longer have to devote valuable tim e toIn deciding the future o f your business. You need the mostroutine transactions, or f it your business into banking hours.up-to-date financial Inform ation you can get, includingControl yo u r accounts whenever it suits you, 24 hours a day,details o f cheques presented* today. But it's an hour and a357 days a week.h a lf u n til the bank opens.THE KEY T O .......................................................
(3)Now you can unlock all the inform ation you need for theConnecting to HOBS c o s ts ju s t the price o f a local phone callmeeting quickly and simply. Just boot up your laptop and,from anywhere in the UK. Further b u ilt-in features, such asusing data downloaded from Bank o f Scotland's centralЮ computers, the inform ation is there a t your fingertips. Youo ff-lin e * processing, mean th a t the a m o u n t o f tim e you40need to be connected to HOBS is kept to a m inim um .can group accounts to give you an overall view o f yourbusiness's financial position, focus on the net position o f aTHE KEY T O .......................................................
(4)particular area o f the business - even prepare reports.A series o f advanced, b u ilt-in features m aintained in yo u r PCHOBS, Bank o f Scotland's Home and Office Banking Service,allow you to restrict access to designated users, and to15 is perfect for people like you who are too busy running theirspecify exactly w h a t in fo rm a tio n each individual can accessbusiness to worry about fittin g in to banking hours.THE KEY TO ..., f m a n c c a l . ..c.Qobr.oS45THE KEY T O ....................................................... (5)<1>Corporate HOBS has been designed to dovetail* w ith yourW ith HOBS in your office, you can•existing fin a n cia l softw are, giving you a choice o f accountaccess comprehensive, u p -to -th e -m in u tereporting and paym ent processing fa cilitie s and a sm oothin fo rm a tio n on all yo u r sterling, foreign currency20and credit card accounts.and w h a t transactions th e y may carry out.sotransfer o f acco u nt in fo rm a tio n to and from o th er packagessuch as Sage ® or Pegasus ® .••in itia te BACS* payments to pay salaries, wages,The BACS Direct fa c ility is ideal fo r the d istrib u tio n o f wages,suppliers etc.salaries or expenses, and th e te m p la te fu n c tio n saves youfrom having to re-key sim ilar data each week / m onth.
Ain itia te CHAPS* and Inte rn a tio n al payments.5525•transfer m oney in sta n tly between yo u r accounts.•check all yo u r standing orders and d irect debits.•locate specific transactions quickly using a range o fdatabaseofb e n e ficia rie s[suppliers,em ployees]ism aintained on yo u r PC.THE KEY T O ....................................................... (6)When yousearch criteria.•3058open an exclusive HOBS Investm ent A cco u n t tomake surplus* funds w ork really hard fo r you.* to p r e s e n t a c h e q u e : to pass a cheque from the receiver'sbank to the payer's bank, for payment*s u r p lu s : extra* o ff-lin e : not connected to the Internet* to d o v e ta il: to fit together perfectlyhave u rg e n t paym ents to make, the CHAPSfu n ctio n enables you to send fu n ds fo r sam e-day credit60subject to a c u t- o ff tim e o f 3pm.The Bank o f Scotland* B A C S : Bankers Automated Clearing Services.
This companyworks with the banks to initiate computerised payments.* C H A P S : Clearing House Automated Payment System. This isa system for dealing with high-value payments.BankingComplete the headings in the text with these words.a Securityb Cost-effectivenessc Financial Controld Flexibilitye Conveniencef Priority PaymentsRead the text again and decide if the following statements are true (T) orfalse (F).1 You can only use HOBS during normal banking hours.2 HOBS cannot provide information about accounts in dollars.3 The telephone charges for using HOBS are the same all over the UK.4 You can control who can obtain information from the system.5 Using CHAPS, you can make a payment to someone andthey will always receive it on the same day.Complete the crossword using words from the text.CLUESAcross1 (ri) Regular paymentsfrom a bank accountto an organisation.{line 26) (2 words)4 (n) Money youremployer pays youevery month, (line 22)6 (adj) The amount thatremains aftereverything else hasbeen deducted, (line12)91012171820(n) Money you makewhen you work,usually paid weekly, incash, (line 22)(adj) Ordinary andboring, (line 33)(v) The calls are cheap;they don't _______much, (line 37)(и) The currency unitof the UnitedKingdom, based onthe pound, (line 20)(v) To find the space ortime for something.(line 33)(ri) Money used inanother country.
(line20) (2 words)Down1 (n) Giving things to alarge group of people.(line 52)2 (n) The business oflooking after people'smoney, (line 33)3 (ri) Movements ofmoney into or out ofcustomers' accounts.(line 33)5 (ri) Givinginformation. (line 49)7 (adj) Very important,needed very quickly,(line 58)8 (ri) Information orfacts, (line 9)11 (v) To make somethingdo what you want itto. (line 34)13 (v) To move somethingfrom one place toanother, (line 25)14 (и) Amounts ofmoney, (line 30)15 (n) The amount ofmoney for whichsomething is sold orbought, (line 37)16 (v) First you need to________ an account.(line 29)19 (v) To give money.(line 22)59Complete the passage using words from the box and the information in thebank statement below.creditpaymentchequeaccountbalancedebitcashdepositdebit cardtransactionsJane Sadler opened h e r1 account, with the Medway Bank on 28th January witha cash 2__________of £300.
On 15th February she wrote a 3__________for£53.25 and this appeared as a 4__________on the bank statement on 20thFebruary. On 22nd February she took out £60 in 5__________from a cashpointmachine. On the following day the bank debited £33.50 from her account for a6_________ she had made using her7_________ . Her monthly salary was paiddirectly into her account and this appeared as a 8_________ of £802.20 on 26thFebruary. There were no further9_________ on her account and she finished themonth with a 10_________ of £955.45.Underline all the words and expressions related to computers in the text onpage 58. Match the words and expressions with the definitions below.1 to make a computer ready to be used2 a small computer that you can carry with you3 to move information or programs from one part ofa computer system to another4 the key words used to find information in a database5 the analysis of information by a computer program6 the sets of programs in a computer7 to type information into a computer againb ooL_____ u p1________d_________s________ c__p________s________r________BankingVocabularydevelopment:abbreviationsA number of abbreviations are used in the text, for example PC (line 56) for personalcomputer.1 Put each business abbreviation below into one of these categories.time2moneypeoplecompaniesotherVATi.e.L tdp.a.asapIO UMDACMSFrCorpN/AAOBPAYECEOpicGMTa.m.e-g-What other abbreviations do you know for each category?Language FocusAllow, enable, letThe verbs allow and enable can be used to express possibility.
Look at thefollowing examples from the text on page 58.Features maintained in your PC allow you to restrict access to designated users,(line 43)The CHAPS function enables you to send funds, (line 59)The same idea can be expressed using the verb let.HOBS lets you group information from different accounts.While allow and enable are followed by an object and an infinitive with to, let isfollowed by an object and an infinitive without to.PracticeW rite a sentence about each in v e n tio n using allow, enable, let. Use each verbtw ice.Example: A credit card allows you to buy goods and pay for them later.1 A fax machine2 A laptop computer3 A mobile phone4 A modem5 A credit card6 E-mailunit sixFirst and secondconditionalLook at these sentences, then complete the explanations that follow, using thewords in the box.A If you transfer your money to a deposit account, you'll (you will) earn moreinterest.В If I had more money, I'd (I would) invest it on the Stock Exchange.second conditionalmay possibly happenfirst conditionalis unrealis unlikely to happen1 Sentence A is an example of t h e ________________ .
The conditional clause (if...)refers to a situation t h a t ___________________.2 Sentence В is an example of t h e ____________________ . The conditional clause(if...) refers to a situation t h a t_________________ o r ___________________ .►► For more information on the first and second conditional, turn to page 166.PracticeDecide which of these things may happen to you and which are unlikely tohappen. Write complete sentences using the appropriate verb forms.1 If / go abroad next summer / change / some money into traveller's cheques.I f I go abroad nex.L Summer I ' ch an g iA s o m e m oney I n t otraveller's chequesorI f I usent abroad ne>ct Summer I 'd c h a n g e s o m e m oney L n totraveller's cheques23456If /If /If /If /If /lose / credit card / inform / the bank immediately.need some money / ask / the bank manager for a loan.find / mistakes on my bank statement / change / to a different bank.earn / more money / be able to / save more.order / chequebook / get / it before the end of the week?Read the problems below.
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