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Decimals

Look at the bar chart showing annual holidays in eight different countries. Listen and complete the missing figures at the end of the bars.

ANNUAL HOLIDAYS

Czech Republic Hungary UK Greece Italy France Germany

Spain

24,5

24,8

27,9

30,5

5 15 25 35

Days

10(6). Listening.

Percentages

Listen to two people discussing their weekly expenditure on different things and complete the table.

Compare the percentages in the table with yours. Tell about your own weekly expenditure.

11. Reading. Read the text and explain the words in bold.

A Bank

A bank is a financial institution licensed by a government. It provides financial services to customers enrichingits investors.

Banks act as payment agents. They conduct checking or current accounts for customers, pay cheques drawn by customers of the bank,

and collect cheques deposited to customers' current accounts.

Banks borrow money when they accept funds deposited on current accounts or accept term deposits. They also issue debt securities such as

banknotes and bonds.

Banks lend money by making advancesto customers, or installment loans. They invest in marketable debt securities and other forms of

money lending.

Banks provide almost all payment services.

The principal types of banks in the modern industrial world are commercial banks and central banks. Commercial banks accept deposits from the general publicand make loans to individuals and businesses and sometimes to governments. Central banks, in contrast, dealmainly withtheir national governments, with commercial banks,

and with each other. Central banks issue paper currency and are responsible for regulating commercial banks and national money stocks. Central banks operate for the public welfareand not for maximum profit.

There are institutions which are also called banks but they don’t

perform all banking functions. They are classified as financial intermediaries. Such institutions include finance companies, savings

banks, trust companies, insurance companies and so on.

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