TUGAS BAHASA INGGRIS

RETAIL BANKING

By : Group Eight

Name of group member : 1. Lidia Grasella Kadja Rihi

2. Yeni Evrit Selfrda Tio

3. Obertho Kia Haga

4. Febryanti Lulu Lena

5. Mersi Kana Dagi

6. Rafael Ojario Anggara Putra Tungga

POLITEKNIK NEGERI KUPANG

2019
Reading 2 : The future of bank Branches

1. Read the article about retail banking from the financial times. What belifedoes the
research show to be unture?
Answer: It shows that it not true that more alfluent and sophisticated customers
prefer not to use bank branches
2. Which of the highlighted words and pharases in the article could be replaced with the
following?
Answer:
a. drive future growth
b. allfuent
c. a decade of under –investment
d. ahead of the game
e. inves substantially
f. reshaping
g. staffing
3. Read the rticle again and answer the following questions.
a. What have the banks not done during the past ten years?
b. What are banks expected to do in the future?
c. What has helped one bank to increase product sales in some branches
Answer:
a) They have not investeed enaughtin their branches
b) They are expected to concentrate more on their branches than telephone
and internet banking, and offer new services in them
c) The bank ( abbey national) has introduced coffee shops into some
branches
4. Label the pie chart below
Answer: 1. No Preference
2. Internet
3. Telephone
4. Branches
Discussion

1. In the financial times article, there are some predictions about retail banking trends in the
future. Look at the following senteces,whichuse phrases to show likelihood and
probability. Put the sentences (a-1) on the scale (1-5), and underling the word of phrase
that states the probability. One sentence has been done as an example.
Answer: 1. Certain e. our profits will definitely increase this year
(100%)
g. small regional banks are bound to join together

2. probable b. I mey will decide to change banks

(>70%)
h. they’ll probably move their call centere to india
i. universal banks are likely to speread

k. we expect all banks to invests substantially in

their branch networks

3. Possible f. perhaps we need to hiremore financial advisors

(-50%) 1. We night increasw our commission chargers

4. improbable a. E-banking is unlikely to decrease over the next 10

(<30%) yeaers

d. There could be a takeover , but I think it’s

improbable.

5.impossible c. interest rates can’tpossibly stay so low

j. we certainly won’t reduce the size of our

counseling as

2. Can you think of any other prases we can use for describing likekihood and
probability?

Answer: other common ways ofexpressing probability include :

Certain willdefinitely/will certainly / is certain to/ is sure to/ must/ has it

(100%)
Probable it is (very/highly/extreinely) probable that

(>70%)

Possible it is possible that….

(-50%) Will possible/ maybe/ may/ could

Improbable it is (very/ highly/extremely)

(<30%) unlikely that

Impossible there’s no way that…

(0%) definitely will not (won’t)/can’t possibly

Vocabulary

1.assets:harta/aktiva

2.currency:uang kartal

3.income:pendapatan

4.national income:pendapatan nasional

5.liabilities:hutang/passiva

6.retail:pengecer

7.current account:rekening koran

8.traveller's cheques:cek bepergian

9.customer:nasabah

10.interest:bunga

11.cheque:cek

12.loan:kredit/pinjaman