Banking

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Блок 4 модуль 1
Banking
Потапова Тамара Михайловна
Старший преподаватель кафедры иностранных языков в сфере
экономики и права
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BANKING
Здесь и далее
https://pixabay.com/ru/images/searc
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Some facts from the history of BANKING -1
• first prototype banks , who gave grain loans to farmers and
traders who carried goods between cities(around 2000 BC
in Assyria or India).
• ancient Greece and the Roman Empire, lenders based in
temples gave loans, while accepting deposits and performing
the change of money
• Banking developed rapidly in medieval and
Renaissance Italy and particularly in the cities
of Florence, Venice and Genoa.
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The oldest and the most famous European BANKS!
The most famous Italian bank the Medici Bank, established
by Giovanni Medici in 1397
Until the end of 2019, the oldest bank
still in operation was the Banco di
Napoli headquartered
in Naples, Italy which has been
operating since 1463.
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The oldest bank still in
existence is in Siena, Italy, which
has been operating continuously
since 1472

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Some facts from the history of banking -2
• Development of banking spread from northern Italy in the
15th and 16th century to northern Europe.
• A number of important innovations in Amsterdam in the
17th century, and in London since the 18th century.
• In the 20th century, developments in telecommunications
and computing caused changes to banks' operations
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Basic vocabulary to the topic -1
Some expressions with Cash – наличные (money); to cash обналичить, платить \получать деньги по счету
free cash flow - свободный денежный поток
payment method cash - способ оплаты наличные
allowance for cash - Пособие за наличные
cash and voucher - денежные средства и ваучеры
fast cash - быстрые деньги
to cash a check - обналичить чек
get some cash - получить наличные деньги
to handle cash (иметь дело, обращаться с)
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Basic vocabulary to the topic -2
Mortgage(n) – ипотечный кредит, (v) – закладывать
to store – хранить (money)
Credit (to give, to ask for, to need, to offer, to decline)
Financial transactions (operations)
Expressions with SAVE
To save money – экономить или копить деньги
Save money for the rainy day – Скопить деньги на ЧЕРНЫЙ ДЕНЬ!
Savings – сбережения – Savings bank – сберегательный банк
Savings account – сберегательный счет
to offer , to open, to run, to close,
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And the final set of expressions
Deposit - депозит
To make a deposit (pay some money) into a savings account положить деньги на счет
To have an interest on a savings account – накопить …некоторую
сумму по процентам на счете
To park some money on the savings account - положить деньги на
сберегательный счет
certificate of deposit – депозитный сертификат
Checking account – чековый счет
Loan – кредит\ссуда\заем (credit, borrowing, lending)
To loan, lend, borrow (money) - одалживать, ссудить
to make loan – предоставлять заем, выдавать кредит
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What do the banks do?
Banks handle cash, credit, and other
financial transactions
Banks provide a safe place to store extra
cash and credit
Banks offer savings accounts, certificates
of deposit, and checking accounts. Banks
use these deposits to make loans.
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Some remarks on the vocabulary – collocations
with ACCOUNT
Adjectives +account ––
bank| current | deposit, investment, savings | personal\ impersonal (счет,
не принадлежащий конкретному лицу) | business | joint, separate |
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Verbs + Account –
to have, to hold, to open, to close, to draw smth. out of ,to withdraw smth,
from, to check, to keep, to be in order,
To deposit a current account – внести деньги на текущий счет
Current account overdraft – задолженность по открытому счету
Status of the account – состояние счета, финансов
Account held in foreign exchange -счет в иностранной валюте
to settle (an account) - расплатиться по счету
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Why is banking important?
•is one of the key drivers of the economy
•provides the liquidity for families and
businesses
•Companies use loans to develop their
business
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Types of banks – words we may need
To implement - to carry out, to perform
To fix - here – install, secure - устанавливать
To provide (give) advice – предоставлять консультации,
консультировать, давать совет
Monetary politics - денежно-кредитная политика
Interest rates – процентная ставка
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And now – what types of banks exist?
•Central banks
•Commercial (clearing) banks
•Investment (corporate) banks
•Internet banking
•Microcredit banks or Micro
financial Institutions (MFIs)
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The most powerful banks – measured by their revenue
To measure – измерять и оценивать (evaluate, estimate)
Revenue (n)–доход (income, profit)
state revenue – государственный доход
total annual revenue – совокупный годовой доход
growth rate of revenue – темп роста доходов
generate additional revenue – получить дополнительный доход
revenues from oil exports – доходы от экспорта нефти
source of government revenue – источник дохода государства
average revenue per user – средний доход на абонента
overall revenue – общая выручка
годовой доход (annual income)
источник дохода (source of revenue)
государственные доходы (public revenues)
as an adjective –доходный -revenue base – доходная база
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Other criteria of evaluating bank performance
Expenses: interest and noninterest. – расходы (процентные и
непроцентные)
Operating Profit: -операционная прибыль
Operating Expenses As A Percentage Of Assets: - операционные
расходы в процентах от активов
Assets Under Management (AUM): -активы под управлением
Percentage Of AUM Above Benchmark: - процент активов под
управлением выше контрольного показателя
Return On Equity: - рентабельность собственного капитала
Return On Assets (ROA): - доходность активов
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And now the list!!!!
the Industrial and Commercial Bank Of China Ltd.
JPMorgan Chase & Co
Then comes - Japan Post Holdings Co. Ltd
China Construction Bank Corp.
Bank of America is a U.S.
Citigroup
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1. https://ru4.ilovetranslation.com/rgo-MMWJQ5u=d/
2. https://www.thebalance.com/what-is-banking-3305812
3. https://www.investopedia.com/articles/investing/122315/worlds-top-10-banks-jpm-wfc.asp
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