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Упражнение №11. Изучите новые слова.
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1. focus on обратить внимание на ч–л
2. contribution вклад
3. exceed превышать
4. restriction ограничение
5. current текущий
6. participation – участие
7. due to благодаря ч-л, из-за
8. subsidiarу филиал
Упражнение №12. Прочитайте и переведите текст “Sberbank of Russia”.
Текст №3
Sberbank of Russia
Since its foundation, the bank focused on providing services to people. Moreover, during the reign of Nicholas I acted even restrictions: the minimum contribution was only 50 kopeks, maximum — 300 rubles, and make them available for amounts not exceeding 10 times. The idea was a success: 71 client on opening day the 1st of March 1842 turned into 473 thousand contributors to the 1911.
In 1918 this credit organization was nationalized. Later the company worked under the brand State labour savings.
Its current name bank received in 1991 after the privatization. Formally, the "Sberbank of Russia" was established on the 22nd of March 1991. Sberbank of the USSR ceased to exist in January 1992.
50 per cent of shares are traded publicly on the market, including the stock exchange. At the same time, "Sberbank" owns a number of businesses, turned into a kind of holding company with State participation. Among the most important assets of Sberbank can be mantioned the financial sector, "Sberbank investment LTD., "Sberbank Capital LLC, LLC «asset management company «Sberbank». This organization has a number of subsidiaries, specializing evaluation activities, bidding, insurance and so on. It has its own pension fund.
In recent years, Sberbank has taken an interest in the construction field. He owns Securities LLC "Crystal Tower", CJSc «Rublevo-Arkhangelskoe ", JSC
«Krasnaya Polyana", JSC "Sberbankstroj Holding" (the former "Inteco" LTD).
Упражнение №13. Прочитайте и переведите текст “Sberbank Today”. Текст №4
Sberbank Today
Currently, "Sberbank of Russia" remains the largest credit institution in the country. Why is "Sberbank" the most trusted financial institution? The history of crises can answer the question. In 1998 the bank's credit dominated by Government securities, which had defaulted. Nevertheless, due to the fairly high commissions, Sberbank has survived and even increased its client base.
To varying degrees, the situation changed in 2014. Sberbank imposed international sanctions.
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Nowadays this organization does a lot to gain respect of its clients.
Unit III
BANKING PRODUCTS
“A bank is a place that will lend you money if you can prove you don't need it”.
Bob Hope
Reading
Упражнение №1. Прочитайте, переведите и озаглавьте текст. Текст №1
If you work, you will probably get a savings bank account. You can keep the money you earn in a box under your bed. Or you can keep it in the cupboard. You can lend it to your friend, but don’t lose your friend in this case. Some people hide their money in their refrigerator. But these ways aren’t very clever. On the one hand it isn’t very safe. If your house is robbed, you will lose everything you've saved. On the other hand your money will lose its value.
After some time, the money from the cupboard won’t be able to do a lot of things. However money will earn interest if you make a deposit. The interest will help to compensate for the effect of inflation. But banks are more than just safe places for your money.
Speaking
Упражнение №2. Расскажите о следующем:
Think of different ways of keeping money. Say how you keep your money.
Exercises
Упражнение №3. Найдите и подчеркните английские эквиваленты следующих слов в тексте:
Сберегательный счёт в банке, хранить, зарабатывать, давать взаймы (одалживать), безопасный, стоимость (ценность), депозит (депозитный вклад), проценты, компенсировать, инфляция.
Упражнение №4. Ответьте на вопросы:
1. Where is it safer to keep money?
2. Why does money lose its value?
3. What can compensate for the effect of inflation?
4. How can you earn interest?
Упражнение №5. Преобразуйте предложения, используя слова из текста №1:
Can you give me 5 000 rubles for a week? Increase in prices has risen recently.
This savings account gives higher extra money.
Упражнение №6. Заполните пробелы подходящими словами из текста №1 и переведите предложения:
If you , you probably get a bank account.
If your house , you lose everything you've saved. However money earn interest if you a deposit.
Ответьте, к какому времени относятся данные предложения – настоящему, прошедшему или будущему?
Bits of Grammar
First Conditionals
Условные предложения I типа
| First Conditionals (real possibility) – условные предложения I типа выражают реальные, возможные ситуации в настоящем или будущем. Вероятность, что действие произойдет, очень велика.
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| (If + Present Simple), (Future Simple) | |||
| If you work hard, you will succeed. | Если ты будешь усердно работать, то преуспеешь. | ||
| If you ask him, he will help you. | Если ты попросишь его, он тебе поможет. | ||
| If you don’t have money you will go to bank and take a loan. | Если у тебя не будет денег, ты пойдешь в банк и возьмёшь ссуду. | ||
| If you have money you will go to bank and make a deposit and get some interest on it. | Если у тебя будут деньги, ты пойдёшь в банк сделаешь вклад и заработаешь проценты | ||
Упражнение №7. Вставьте глаголы данные в скобках, используя форму Present Indefinite или Future Indefinite Tense.
1. If Peter _(come) to my place, we (go) to play in the yard.
2. If Peter (not come) to my place, I (watch) TV.
3. If I (finish) my homework, I (go) to the cinema.
4. I (lend) you this book if you (ask) me.
5. They (not let) you into the cinema if you (lose) your tickets.
6. If you (finish) your study I (present) you with a new flat.
Speaking
Упражнение №8. Прочитайте и воспроизведите диалог.
Setting up a Bank Account
A: How are you?
B: I'm fine. Thank you for asking.
A: How can I help you?
B: I need to open a bank account.
A: What kind of account?
B: I just need a checking account.
A: You can open a savings account, too. We have a very high interest rate.
B: All right. I will open both of them.
A: You need to deposit at least $50 into both accounts.
B: I will deposit $300 today.
A: I will set your accounts up right now.
B: Please put $150 in each account for me.
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