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VARIANT IV

1. Match each word on the left with the correct definition on the right:

2. Choose the correct word to complete the sentences:

We’ll have to economize ____ luxuries in the future.

a) for b) at

c) of d) on

2. They went to get young people to open a bank ____.

a) count b) account

c) counter d) deposit

3. Could you give me an ____ of how much it will cost?

a) income b) estimate

c) invoice d) expenditure

4. You have to pay a ____ now to reserve your holiday.

a) deposit b) security

c) credit d) surplus

5. As the car is small, it’s much more ____ on petrol.

a) expensive b) poor

c) economical d) economic

6. All employees had to cut down on travelling ____.

a) expenses b) savings

c) stoppages d) wages

1. Choose the correct words to complete the definitions:

secretariesclerksreps

quality controllersbuyers

1. The employees responsible for carrying out general office duties, filling in forms and keeping statistics are _____.

2. The employees who sell a company’s products are the sales representatives, usually known as _____.

3. The employees who decide what to purchase, and who make the purchases of finished goods or components to be made into goods, are the _____.

4. The employees who are responsible for seeing that the finished goods are well made are the _____.

5. The clerical workers who use typewriters or word processors and who produce letters, memos or other documents, are ______.

1. Suggest Ukrainian equivalents to the following words and word-combinations and make up sentences of your own:

- incompatible;

- contractual price;

- debenture;

- majority interest;

- insolvency;

- income tax.

1. a) Read and translate the text in a written form:

LIABILITIES

A bank acquires funds by issuing (selling) liabilities, which are consequently also referred to as sources of funds. The funds obtained from issuing liabilities are used to purchase income-earning assets.

Checkable Deposits. These are bank accounts that allow the owner of the account to write cheques to third parties. Checkable deposits include all accounts on which cheques can be drawn: non-interest-bearing check­ing accounts (demand deposits), interest-bearing NOW (negotiable order of withdrawal) accounts, and money market deposit accounts (MMDAs). Introduced in 1982, MMDAs have similar features to market money mutual bonds and are included into checkable deposits category. However, MMDAs differ from checkable deposits in that they are not subject to reserve requirements like checkable deposits. Once checkable deposits were the most important source of bank funds, but with the appearance of the new, more attractive financial instruments (such as money market mutual funds), the share of checkable deposits in total bank liabilities has shrunk over time.

Checkable deposits and money market deposit accounts are payable on demand, that is, if a depositor shows up at the bank and requests payment by making a withdrawal, the bank must pay the depositor immediately.

b) Answer the following questions:

1. What do checkable deposits allow the owner to do?

2. What do checkable deposits include?

3. What do money market deposit accounts differ from checkable deposits in?

1. Translate into English:

1. Звіт про прибутки та збитки показує доходи та витрати компанії за рік. За допомогою цієї таблиці ми робимо звіт про прибутки, які були отримані компанією від продажу, процентів та інших джерел.

2. Після відрахувань з доходу, заробітної плати, витрати на рекламу, експлуатацію обладнання отримують прибуток або збиток.

3. Балансовий звіт – це таблиця, яка включає активи та пасиви компанії. В ньому представляється картина фінансового стану компанії за минулій рік.

4. Ці попередні підрахунки дадуть нам можливість розпочати роботу.

5. Чи включені які-небудь статистичні дані про діяльність компанії у цей розділ річного звіту?

6. Річний звіт – це повідомлення керівництва корпорації акціонерам, який повідомляє їм про фінансовий стан компанії та про те, що планується керівництвом компанії.

1. What do you think about the problem of bankruptcy of banks in Ukraine?