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SPEAKING. A. Useful language: Asking and dealing with questions. Asking questions politely Could you tell me/ explain to us I wonder if /I wonder if you
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A. Useful language: Asking and dealing with questions.
| Asking questions politely Could you tell me/ explain to us … I wonder if…/I wonder if you could tell me… Do you happen to know … I’d like to know what/when/where/why/how/if/ Dealing with questions I’m often asked that question. What I (usually/often) say is … Do you mind if we deal with that later? Dealing with difficult questions I’m not sure if I entirely understand your question. Do you mean …? I’m afraid I don’t have that information at hand, but … I’m sorry, but that’s not really my field/department/sector. |
Ex. 1. Act as a customer who visits a bank and asks a series of questions about the bank services. Use different forms of polite requesting information.
Model. The account has been credited with the dividend.
Can you tell me whether my account has been credited with the dividend?
1) the kinds of current account available;
2) the normal bank charges on overdrawn account;
3) the frequency of sending statements (How often…);
4) interest rate on deposit account;
5) current level of interest they charge on loans;
6) getting an appointment to discuss the cash flow problem with a loan officer;
7) checking whether the cheque paid in last Monday has been cleared.
Ex. 2. Read the dialogue and identify the ways of asking and dealing with the questions politely. Do the tasks that follow.
| Student: | I’d like to know who really owns the bank? |
| Banker: | The stockholders own it. In the beginning, they put up the necessary capital and were granted a charter from the government. |
| Student: | Am I right to say that all the members of the board of directors are stockholders? |
| Banker: | Oh, yes. They are chosen by the other stockholders to operate the bank. |
| Student: | And I wonder if board hires the president and the vice-president to manage it. |
| Banker: | That’s right. Along with the cashier, the tellers and the clerical workers. |
| Student: | I guess most of your work has to do with checking and savings accounts and making loans. |
| Banker: | Yes. But we invest money too. Planning the bank’s investment is also very important. |
| Student: | I wonder if you divide all the profits among the stockholders. |
| Banker: | I’m often asked that question. The stockholders receive regular dividends. But some of our earnings are held in reserve accounts. |
| Student: | I suppose that would be necessary. |
| Banker: | Here is a copy of our last published statement. You see, the reserves are shown here as surplus and undivided profits. |
The dialogue deals with the structure and functions of an American bank. You should keep in mind that there are some differences in American and British terminology. Give the American terms corresponding to the British ones given below.
| British terms (BrE) | American terms (AmE) |
| to run a bank | |
| cheque | |
| current account | |
| deposit account | |
| managing director | |
| shareholder | |
| cashier | |
| banknote |
Role-play the dialogue.
B. Discuss the following issues:
1. What changes have there been in personal banking recently? What further changes do you foresee in future?
2. What is ATM?
3. What is the difference between a credit card and a debit card?
4. What are the advantages of using a debit card instead of cash?
5. What is remote (home) banking? What are its weak and strong points?
6. What are the basic financial institutions in your country?
7. How can you get a loan from a bank in your country?
8. What interest on deposit accounts do Belarusian banks offer?
C. Revise the texts from the unit and be ready to speak on the following issues:
- types of banks and their functions;
- types of the accounts the commercial banks provide;
- the principal functions of the Fed;
- banking system in Belarus.