Тесты СинергияАртём Хелп
Артём Help онлайнПолучить расчёт
Бесплатно оценим сроки и стоимостьОтправить задание в Telegram
Без привязки к предмету

Без привязки к предмету — вариант 477

Просмотрите все вопросы и варианты бесплатно. Правильные ответы скрыты и открываются только после получения доступа.

147 вопросов Вариант 477 Доступ 7 дней
Содержание теста

Вопросы и варианты

Без отметок и подсказок к правильным ответам

Вопрос 1

What does the client need to do to set up internet banking?

  1. Visit the bank branch and fill out an application form
  2. Call the bank to request internet banking
  3. Send an email to the bank requesting internet banking
  4. Use the bank's website to set up internet banking
Вопрос 2

What additional step is required to set up cash settlement services for the organization?

  1. Signing a service agreement for the current account
  2. Providing a questionnaire for the organization
  3. Signing an agreement between the bank and the company
  4. Providing a list of participants in the organization
Вопрос 3

What happens after signing the service agreement for the current account?

  1. The client needs to pay a commission fee for the agreement
  2. The client signs the back of the bank card in front of a bank employee
  3. The client fills out the card with sample signatures and seal impressions
  4. The client is assigned a personal operator
Вопрос 4

Match the term with its definition:

  1. A document provided by a bank to an account holder, detailing all transactions, balances, and other relevant information related to their account over a specific period.
  2. The process of preparing and submitting documents or forms to government authorities to report income, expenses, and other financial activities for taxation purposes.
  3. A set of documents, including the balance sheet, income statement, and cash flow statement, that provide a snapshot of a company's financial performance and position.
  4. Measures or techniques used to safeguard cryptocurrency assets, such as encryption, multi-factor authentication, and hardware wallets, to prevent unauthorized access or theft.
  5. Financial statements
  6. Tax reporting
  7. Bank statement
  8. Crypto protection
Вопрос 5

Match the term with its definition:

  1. Browser
  2. Counterparty
  3. Internet banking
  4. Mobile banking
  5. A financial institution or individual with whom another party enters into a financial transaction or agreement, typically involving the exchange of goods, services, or funds.
  6. A service provided by banks that allows customers to perform various financial transactions and services over the internet, such as checking account balances, paying bills, and transferring funds.
  7. A software application used to access and navigate the World Wide Web, allowing users to view websites, download files, and interact with online content.
  8. A banking service that enables customers to perform financial transactions using a mobile device, such as a smartphone or tablet, through a mobile app or web browser.
Вопрос 6

After you submit the ... and documents, we'll process your request. You'll receive a confirmation once your internet banking account is activated.

  1. application
Вопрос 7

Our employee will also sign and stamp the card with our bank's seal. The account opening process incurs a fee according to our bank's policies. Once that's done, you'll receive a ... confirming the opening of your current account, and you're all set!

  1. certificate
Вопрос 8

Put the words in the correct order to form a sentence:

  1. which is the classic way
  2. you might use it
  3. or in the special program
  4. from the bank
  5. on your computer,
Вопрос 9

Put the words in the correct order to form a sentence:

  1. instructions on
  2. also receive
  3. how to log
  4. in securely
  5. typically, you'll
Вопрос 10

What type of transactions does the accountant-operator execute as part of conducting account operations?

  1. Only currency exchanges
  2. Only issuing checkbooks
  3. Various transactions resulting in funds being debited from customer accounts
  4. Only cashing checks
Вопрос 11

What is one of the duties of the accountant-operator related to cash management?

  1. Only issuing duplicate documents when required
  2. Only assisting with the acceptance of cash deposits at the bank's cash desk
  3. Only monitoring cash discipline among customers to prevent fraud or misuse
  4. Only generating account statements for both rouble and foreign currency accounts
Вопрос 12

Match the term with its definition:

  1. Candidate
  2. Responsibilities
  3. Analytical report
  4. Employer
  5. A document that presents data, findings, and conclusions resulting from the analysis of a specific topic or issue.
  6. The entity or individual who hires employees to work for a company or organization.
  7. A person who applies for a job or position within a company or organization.
  8. The duties, tasks, or obligations assigned to an individual or a position within a company or organization.
Вопрос 13

Match the term with its definition:

  1. Evaluation criterion
  2. Training
  3. Optimization
  4. Colleague
  5. The process of improving efficiency, effectiveness, or performance by making adjustments or modifications to existing systems, processes, or methods.
  6. A standard or measure used to assess or judge the quality, performance, or suitability of something, such as a product, service, or individual.
  7. A person who works alongside others in the same organization or department.
  8. The process of providing instruction, education, or skill development to individuals or groups to improve their knowledge, capabilities, or performance in a particular area.
Вопрос 14

Keeping records is crucial in banking. You'll manage ... cabinets, ensuring that all documents and records are properly organized and easily accessible as needed.

  1. file
Вопрос 15

As part of customer service, you'll generate account ... for both rouble and foreign currency accounts, ensuring accuracy and completeness in line with customer needs.

  1. statements
Вопрос 16

Put the words in the correct order to form a sentence:

  1. this involves executing
  2. being debited
  3. result in funds
  4. from customer accounts
  5. various transactions that
Вопрос 17

Put the words in the correct order to form a sentence:

  1. they should
  2. also be friendly
  3. organized
  4. and good at problem-solving
Вопрос 18

Read the dialogue below and answer the question. There's only one correct answer. Dialogue: Bank Teller: Good morning! How can I assist you today? Customer: Hi, I'd like to inquire about opening a savings account, please. Bank Teller: Certainly! ... . Question: Which option best completes the dialogue?

  1. Could you please provide some form of identification and proof of address?
  2. Our savings accounts offer competitive interest rates and convenient features.
  3. I'm sorry, but the bank is closed for lunch right now.
Вопрос 19

Read the text and answer the question. There's only one correct answer. Text: With this service, you can access your bank accounts using a computer or laptop connected to the internet. You can view your account balances, monitor transaction history, transfer money between accounts, and even set up automatic bill payments. This service offers convenience and accessibility, allowing you to manage your finances from the comfort of your own home. Question: What type of banking service is being described?

  1. Mobile banking
  2. Internet banking
  3. Traditional branch banking
Вопрос 20

Read the text below and answer the question. There's only one correct answer. Text: Your boss has asked you to create a job posting for a new person for your team – a customer service manager. You ask your boss some questions about the new job position to make sure you can find a suitable person. Question: What is one of the questions that you don't really need to ask your boss?

  1. What are the requirements to their work experience?
  2. What kind of hobbies should this person have?
  3. When does this job posting need to be ready?
Вопрос 21

Read the job description and answer the question. There's only one correct answer. Job Description: We're looking for an addition to our team. Your main job will be to help keep track of the money coming in and going out of the company. You'll use computer programs to record financial transactions and make sure everything adds up correctly. Attention to detail and good math skills are important for this job. Question: What job position does this description best match?

  1. Accountant-operator
  2. Financial Analyst
  3. Personal Banker
Вопрос 22

Which factor has contributed to a surge in innovation and technology-driven sectors in the UK, particularly in hubs like London, Cambridge, and Manchester?

  1. The decline of manufacturing industries
  2. The increase in agricultural productivity
  3. Significant investment and talent attraction
  4. Government initiatives promoting traditional sectors
Вопрос 23

How does incorporating Information Technology (IT) in language learning contribute to accessibility to learning resources?

  1. By limiting access to a narrow range of materials
  2. By providing personalized learning pathways only
  3. By expanding access to texts, audio recordings, videos, and interactive exercises
  4. By offering generic learning materials
Вопрос 24

How do language learning apps like Duolingo, Babbel, and Rosetta Stone enhance language learning experiences?

  1. By offering traditional classroom-based learning
  2. By providing interactive exercises and gamified lessons
  3. By restricting access to vocabulary drills
  4. By focusing solely on grammar instruction
Вопрос 25

The decision of the United Kingdom to leave the European Union, commonly referred to as ..., has had profound implications for the UK economy.

  1. brexit
Вопрос 26

Put the word in brackets in the correct form. A downturn in the market ... (expect) by the economist soon.

  1. is expected
Вопрос 27

Put the word in brackets in the correct form. If the exchange rate changes too much, import and export businesses ... (struggle) to plan budgets effectively.

  1. will struggle
Вопрос 28

Put the word in brackets in the correct form. If the bank ... (offer) better loan terms, more people would be able to afford to buy homes.

  1. offered
Вопрос 29

Match the term to its definition:

  1. Conditionals
  2. Passive voice
  3. Active voice
  4. Infinitive
  5. Verb form where the subject receives the action of the verb.
  6. Verb form where the subject performs the action of the verb.
  7. Base form of a verb, often used with "to" as in "to run" or "to jump."
  8. Verb form that expresses possibility or hypothetical situations.
Вопрос 30

Match the term to its definition:

  1. Past participle
  2. Gerund
  3. Infinitive
  4. Imperative
  5. Verb form that functions as a noun and ends in "-ing."
  6. Verb form used to indicate past or completed actions or states.
  7. Base form of a verb, often used with "to" as in "to run" or "to jump."
  8. Verb form used to give commands or make requests.
Вопрос 31

Put the words in the correct order to form a sentence:

  1. expands access to a wealth of learning resources and materials.
  2. including texts, audio recordings, videos, and interactive exercises,
  3. incorporating Information Technology in language learning
Вопрос 32

Put the words in the correct order to form a sentence:

  1. promotes competition in markets,
  2. the CMA,
  3. independent competition regulator,
  4. and investigates anti-competitive behavior.
  5. protects consumer interests,
Вопрос 33

What is the role of administrative employees in a bank?

  1. Handling consumer loans
  2. Developing growth strategies
  3. Coordinating and planning the work of other employees
  4. Providing advice and drawing up contracts
Вопрос 34

What is the primary responsibility of cashiers or operators in a bank?

  1. Managing investments
  2. Analyzing financial statements
  3. Servicing customers directly
  4. Developing growth strategies
Вопрос 35

Why is knowing English important in the banking industry according to the text?

  1. It helps in analyzing financial data
  2. It assists in technical problem-solving
  3. It enables effective communication with international clients and partners
  4. It enhances creative thinking and innovation
Вопрос 36

What is the importance of time and priority management in banking according to the text?

  1. It helps in analyzing financial statements
  2. It assists in understanding cultural differences
  3. It ensures reaching goals on time and managing tasks effectively
  4. It fosters effective teamwork and cooperation
Вопрос 37

Match each phrase to its corresponding section:

  1. Starting Phrases
  2. Main Content
  3. Closing the Letter
  4. Saying Goodbye
  5. Thank you for your attention to this matter.
  6. We believe that the best solution would be...
  7. I am writing to inquire about...
  8. Best regards/Kind regards, [Name & Last name]
Вопрос 38

Fill in the blank using the correct form of the verb in brackets. She wishes she ... (save) more money when she was younger.

  1. had saved
Вопрос 39

... is a formal written message that is used to exchange information between organizations, businesses, clients and partners.

  1. business writing
Вопрос 40

... analyze clients' activities, prepare summaries, and advocate for potential borrowers at credit committee meetings.

  1. loan officers;; corporate department experts
Вопрос 41

Put the words in the correct order to form a sentence:

  1. share ideas, and
  2. they can communicate better,
  3. solve tricky problems together.
  4. that teamwork matters,
  5. when everyone understands
Вопрос 42

Put the words in the correct order to form a sentence:

  1. being good at interacting
  2. opens up opportunities
  3. and work on international projects.
  4. with people from other countries
  5. to do business abroad
Вопрос 43

What caused multi-billion dollar losses for many banks during the COVID-19 pandemic?

  1. Increase in short-term bond prices
  2. Decrease in inflation
  3. Investment in short-term bonds
  4. Expansion of reliable income sources
Вопрос 44

Which sector has the smallest share in the UK's GDP among developed countries?

  1. Manufacturing
  2. Agriculture
  3. Energy
  4. Transportation
Вопрос 45

What is the primary role of the Central Bank of the Russian Federation?

  1. Personal banking services
  2. Managing individual savings accounts
  3. Overseeing the financial system's stability
  4. Facilitating transactions for individuals
Вопрос 46

Which of the following is NOT a function of the Central Bank?

  1. Managing currency issuance
  2. Providing loans to individuals
  3. Managing reserves
  4. Shaping domestic credit policy
Вопрос 47

What is one of the responsibilities of commercial banks in Russia?

  1. Issuing currency
  2. Managing the country's gold reserves
  3. Providing loans and deposit accounts to individuals
  4. Implementing monetary policy
Вопрос 48

Match the industry with its products:

  1. Transport engineering
  2. General mechanical engineering
  3. Electronics and electrical engineering
  4. Chemical industry
  5. Involves the production of agricultural machinery, machine tools, and textile equipment.
  6. Encompasses computers, software, processors, telecommunications means, medical equipment, and appliances.
  7. Includes the automotive industry, shipbuilding, and the aerospace industry.
  8. Comprises pharmaceuticals, agrochemistry, perfumery, new materials, and biotechnologies.
Вопрос 49

Match the advantage of the US economy with its explanation:

  1. Huge economic potential
  2. Large capacity of the domestic market
  3. Significant scale of concentration and centralization of production and capital
  4. Large-scale research and development
  5. Extensive investment in research and development fosters innovation, technological advancements, and the emergence of new industries, driving long-term economic growth and global competitiveness.
  6. Natural resources, demographic factors, production capabilities, and scientific and technical expertise contribute to the overall economic strength of the United States.
  7. Concentration and centralization of production and capital allow for efficient resource allocation and the realization of economies of scale, boosting productivity and competitiveness.
  8. The sizable domestic market in the United States provides ample opportunities for businesses to sell their products and services, driving economic growth.
Вопрос 50

... banks are the ones you typically deal with for everyday banking needs.

  1. commercial
Вопрос 51

A ... is a rule or regulation made by a local authority, like a city or town, to help govern things within their area. It's like a smaller law that applies only to a specific place.

  1. by-law;; by law
Вопрос 52

Put the words in the correct order to form a sentence:

  1. balance between economic growth
  2. they use various
  3. and price stability
  4. aiming for a
  5. tools and instruments
  6. to achieve these goals
Вопрос 53

Put the words in the correct order to form a sentence:

  1. banks facilitate non-cash payments
  2. between
  3. and convenient
  4. for
  5. clients, making transactions smooth
  6. individuals and businesses alike
Вопрос 54

Read the text below and answer the question. There's only one correct answer. Text: Your request for documents has been processed. It has been moved to the "Processed" column. All additional information has been provided. The documents that have been requested are now available for pick up. Question: Which of the three answers below is NOT a valid reason to use the passive voice so extensively in this paragraph?

  1. it's unclear who did the action
  2. It's a formal document
  3. It's a personal opinion of a specific person
Вопрос 55

Read the sentence below and answer the question. There's only one correct answer. Sentence: If the bank had invested in biometric technology sooner, it would have already become a leader in this segment. Question: What conditional was used in this sentence and why?

  1. second conditional, because the outcome will not happen in the future and is not very likely
  2. third conditional, because the sentence is talking about something that could have happened, but didn't
  3. third conditional, because it shows clear cause and effect and actual possibility of something happening
Вопрос 56

Read the business letter below and answer the question. There's only one correct answer. Business letter: [Sender] John Smith Senior Loan Officer ABC Bank 123 Main Street Anytown, USA March 7, 2024 [Receiver] Jane Doe Chief Financial Officer XYZ Corporation 456 Elm Street Othertown, USA Hey Jane, What's up? I have reviewed your reports and I find them detailed enough. Could you please print them out for a meeting next week? Kind regards, John Question: What rule of business writing is not followed here?

  1. do not use "can" or "will" in questions
  2. check letter for errors
  3. avoid slang or informal expressions
Вопрос 57

Read the sentence below and answer the question. There's only one correct answer. Sentence: I wish the bank manager would approve my loan application so I can get mortgage for a new home. Question: Why was "I wish" and "would + infinitive" used in the sentence?

  1. The sentence talks about the future potential outcome
  2. The sentence expresses regret about a situation in the future
  3. The sentences talks about current desires and plans
Вопрос 58

Read the text below and answer the question. There's only one correct answer. Text: When commercial banks find themselves short of funds, they can turn to the Central Bank for help. The Central Bank provides loans to these banks to help them meet their obligations, thus ensuring the smooth functioning of the financial system. Question: What is the name of the Central Bank function described in the text?

  1. refinancing
  2. loan issuance
  3. domestic credit policy
Вопрос 59

Read the dialogue and answer the question. There's only one correct answer. Dialogue: Bank Clerk: Hello there! How can I assist you today? Client: Hello! I'm thinking of opening a bank account, but I'm worried about all the paperwork I might need. Can you tell me what I'll need? Bank Clerk: Sure thing. To open an account, we need to make sure you're acting on your own behalf. Do you have your passport with you? Client: Yep, here it is. Bank Clerk: Perfect. We'll need copies of your ID documents, for example, your passport, and any other relevant details. If your documents are in a foreign language, we'll need their Russian translation Client: All my papers are from Russian authorities. Bank Clerk: Great. You'll need to provide your Russian passport and your individual pension insurance account number. Client: Got it, here are all my documents. Oh, and I'd like to get a debit card too, if possible. Bank Clerk: No problem. I'll just need to take a quick photo of you for our records. Client: Okay, sure. Bank Clerk: Besides your documents, we'll also need to sign a couple of agreements for your account and debit card. Client: Sounds good. (Customer and bank clerk sign the documents) Client: Thanks for all your help! Bank Clerk: Anytime! Let me know if you have any other questions. Question: There's one document missing from the list of documents needed for opening a bank account. What document is that?

  1. medical certificate
  2. individual taxpayer identification
  3. certificate of birth
Вопрос 60

Read the text below and answer the question. There's only one correct answer. Text: You are working at a bank as a bank teller. A customer approaches you with a request to transfer funds their account in another country. The customer only has Russian roubles. Question: What would be the correct order of steps you would take?

  1. ask the customer for an ID document; get cash from them; follow the procedure to send the funds
  2. exchange the Russian roubles for the desired currency; follow the procedure to send the funds
  3. ask the customer for an ID document; ask the customer to visit a cash desk to exchange the Russian roubles for the desired currency; follow the procedure to send the funds
Вопрос 61

Read the text and answer the question. There's only one correct answer. Text: Мы согласны, что при возникновении комиссий сторонних банков, эти комиссии могут быть удержаны сторонними банками из суммы перевода, либо списаны Банком с любого из наших расчетных счетов в валюте РФ или иностранной валюте, открытых в Банке, при поступлении соответствующих документов сторонних банков. Question: What is the correct translation of this sentence into English?

  1. We agree that the commissions of intermediary banks, if there are some, can be deducted by these banks from the amount of transfer, or be deducted by the bank from any of our accounts / current accounts upon receipt the relevant documents from intermediary banks.
  2. All the commission of side banks, if there are some, can be reduced by these banks from the amount of transfer, or reduced by the bank from any of our accounts / current accounts upon receipt the relevant documents from intermediary banks.
  3. We agree that that commissions of intermediary banks, if there are some, can be deduced by these banks from the transfer sum, or be deduced by the bank from any our accounts / current accounts before receiving relevant documents from other banks.
Вопрос 62

Read the dialogue below and answer the question. There's only one correct answer. Dialogue: Client: Hi, I'm interested in opening a new account. Can you help me with that? Bank Employee: Of course! We offer a variety of accounts for different needs. Could you tell me a bit more about your business and what you're looking for? Client: Certainly, I'm the owner of a small digital marketing agency. We often have various cash flow due to project-based work, and I'm looking for ways to streamline our financial operations. Question: Based on the dialogue, what kind of bank services would you recommend?

  1. Deposit operations: ideal for managing fluctuating cash flow and organizing finances efficiently.
  2. Settlement transactions: suited for managing client payments and invoices effectively.
  3. Credit operations: best for short-term financing needs or managing cash flow during lean periods.
Вопрос 63

Read the text below and answer the question. There's only one correct answer. Text: You want to set up trade acquiring for your business. But the fees in banks that you have contacted are too high. Question: Is there anything you can do to decrease the fees? And if there is, what is it exactly?

  1. No, you can't do anything, this is what it is.
  2. Yes, you can decrease your turnover, or focus on cash payments, this will help.
  3. Yes, you can increase your turnover, by selling more, this will help.
Вопрос 64

What service do banks provide related to foreign currency transactions?

  1. Only accepting and withdrawing foreign currency cash
  2. Only transferring funds within Russia
  3. Both accepting and withdrawing foreign currency cash and transferring abroad
  4. Only transferring funds abroad
Вопрос 65

What steps are involved in transferring money to a foreign bank account using Russian roubles?

  1. Exchanging currency and withdrawing funds
  2. Withdrawing foreign currency cash and transferring funds abroad
  3. Exchanging currency and transferring funds
  4. Exchanging currency and transferring funds to a current account in the foreign bank
Вопрос 66

What is the first step the client needs to take to deposit money into their account at the bank branch?

  1. Exchange currency at the cash desk
  2. Present their passport
  3. Hand the bills to the cashier
  4. Receive a signed receipt and a copy of the cash receipt order
Вопрос 67

What details about the correspondent bank of the recipient's bank do you need to provide?

  1. Only the name of the correspondent bank
  2. Only the address of the correspondent bank
  3. Both the name and address of the correspondent bank, and the SWIFT code of the correspondent bank
  4. Only the SWIFT code of the correspondent bank
Вопрос 68

Who can pay the bank commissions for making the transfer?

  1. Only the sender of the funds
  2. Only the recipient of the funds
  3. Both the sender and the recipient of the funds
  4. Only the bank
Вопрос 69

Match the term with its definition:

  1. Correspondent bank
  2. Receiver’s bank
  3. Sender's bank
  4. Commission of the bank
  5. The bank that initiates or sends a financial transaction, typically on behalf of a customer or account holder.
  6. The bank that receives funds on behalf of a beneficiary or recipient in a financial transaction.
  7. A fee charged by a bank for providing various financial services, such as account maintenance, transactions, or advisory services.
  8. A financial institution that provides services to another bank, such as facilitating international payments, clearing checks, or providing liquidity.
Вопрос 70

Match the term with its definition:

  1. Purpose of payment
  2. An identification number
  3. Code of the country
  4. Payment receiver
  5. A unique set of digits or characters used to identify and differentiate specific entities, accounts, or transactions in a system.
  6. A code assigned to a country according to international standards, typically used in financial transactions to specify the country of origin or destination.
  7. The individual or entity to whom a payment is directed or who receives funds in a financial transaction.
  8. A description or explanation provided by the payer to indicate the reason or intended use of a payment, such as for goods, services, or contractual obligations.
Вопрос 71

Banks handle cash ... between countries, allowing individuals to send and receive money in foreign currencies.

  1. transfers;; transactions; wires
Вопрос 72

Banks help people ... one type of money for another. This could be switching between different currencies for travel or business.

  1. exchange
Вопрос 73

Put the words in the correct order to form a sentence:

  1. matches the cash receipt document
  2. and sign all copies
  3. after accepting the cash,
  4. the cashier
  5. will ensure that it
Вопрос 74

Put the words in the correct order to form a sentence:

  1. these steps
  2. transfer goes smoothly
  3. that your money
  4. by following
  5. you can ensure
Вопрос 75

What electronic banking services does the bank provide?

  1. Bill payment services, fund transfers, access to accounts
  2. Fund transfer services, access to accounts, automated payments set up
  3. Access to accounts, transaction history, fund transfer, bill payment, automated payments
  4. Access to accounts, fund transfer, bill payment
Вопрос 76

Why is drawing up a supply order important for businesses?

  1. To increase capital
  2. To decrease customer satisfaction
  3. To ensure necessary materials and resources are available
  4. To limit operational efficiency
Вопрос 77

What are the potential risks for businesses without a carefully planned supply order?

  1. Increased productivity and customer satisfaction
  2. Decreased workflow disruptions
  3. Delays, shortages, and disruptions in workflow
  4. Higher storage space
Вопрос 78

What is one of the first steps businesses need to take when preparing a supply order?

  1. Negotiating delivery schedules
  2. Identifying specific items required
  3. Determining excessive inventory
  4. Decreasing capital
Вопрос 79

Match the term with its description:

  1. Insurance of collateral
  2. Currency transactions
  3. Cash-in-transit
  4. Settlement transactions
  5. Ensuring protection for both the borrower and the bank by insuring property used as collateral against damage or destruction.
  6. Facilitating the safe transport of cash between different locations to ensure secure handling and delivery.
  7. Covering actions like opening accounts for payroll and tax transfers, among others, to settle financial transactions.
  8. Activities related to the transfer of currency ownership, foreign currency exchanges, and money transfers.
Вопрос 80

Match the term with its description:

  1. Service
  2. Client deposit
  3. Type of ownership
  4. Legal entity
  5. An entity recognized by law as having legal rights and obligations, such as a corporation or partnership.
  6. The form of possession or control over property or assets, such as sole proprietorship, partnership, or corporation.
  7. Offered assistance or activity provided by a business or organization to fulfill customer needs or desires.
  8. Money placed in a bank or financial institution by a client for safekeeping or investment purposes.
Вопрос 81

... serves as a roadmap for ensuring that the necessary materials and resources are available to support operations efficiently.

  1. supply order
Вопрос 82

The supply order should include details such as preferred suppliers, pricing information, and ... schedules.

  1. delivery
Вопрос 83

Put the words in the correct order to form a sentence:

  1. we can discuss your specific requirements and
  2. to customize a loan package
  3. that best suits your business goals
  4. your financial situation
Вопрос 84

Put the words in the correct order to form a sentence:

  1. various pieces of information
  2. businesses typically need
  3. when preparing a supply order,
  4. to gather
Вопрос 85

What is the purpose of the client data form mentioned in the text?

  1. To collect feedback on employee performance and decide who to fire
  2. To analyze competitor data and see who is buying what
  3. To obtain necessary information about customers and analyze their satisfaction
  4. To track inventory levels and see what is being sold for the most part
Вопрос 86

What is the purpose of asking about the customer's satisfaction with their last purchase?

  1. To collect demographic information about the customers
  2. To identify potential cross-sales with the customers
  3. To understand how well the product suits the customer
  4. To evaluate the quality of customer service
Вопрос 87

Why is it important to ask about what additional services customers would like to see?

  1. To evaluate the effectiveness of marketing campaigns
  2. To identify potential areas for development
  3. To track inventory levels
  4. To measure customer satisfaction
Вопрос 88

What does asking about what functionality customers think should be part of the product help with?

  1. Identifying potential cross-sales
  2. Understanding customer priorities
  3. Identifying potential areas for development
  4. Evaluating the quality of service
Вопрос 89

Why is it important to ask about the likelihood of recommending the company to friends and colleagues?

  1. To measure customer satisfaction
  2. To collect demographic information
  3. To evaluate the effectiveness of marketing campaigns
  4. To identify potential areas for development
Вопрос 90

Match the term with its description:

  1. Internet acquiring
  2. Trade acquiring
  3. ATM acquiring
  4. Mobile acquiring
  5. Using a card to pay at a physical store or an online shop.
  6. Making payments using a mobile device such as a smartphone or tablet.
  7. A system for non-cash payments between a seller and a buyer in an online setting.
  8. Making payments using an automated teller machine.
Вопрос 91

Match the term with its description:

  1. Receipts
  2. Acquiring
  3. Turnover
  4. Rate
  5. Documents issued as proof of a transaction, typically indicating the items purchased and the amount paid.
  6. The total amount of money generated by a business through sales of goods or services during a specific period.
  7. The process of enabling merchants to accept electronic payments from customers via various channels.
  8. The percentage charged or paid on the principal amount of a loan or deposit over a certain period, usually expressed as an annual percentage rate.
Вопрос 92

When a business sets up Internet acquiring, it means they can accept ... payments on their website, making it easier for customers to buy things.

  1. card
Вопрос 93

For example, if you have a small business with a turnover of less than 200,000 roubles per month, you might get a plan with a lower ... rate.

  1. interest
Вопрос 94

Put the words in the correct order to form a sentence:

  1. surveys is not only
  2. worthwhile
  3. this confirms that
  4. modern business
  5. but it is vital for
  6. investing in
Вопрос 95

Put the words in the correct order to form a sentence:

  1. the question will help
  2. are most valuable to customers
  3. you understand which aspects
  4. of your
  5. product or service
Вопрос 96

Put the words in the correct order to form a sentence:

  1. involve using
  2. process, but they all
  3. each type has its own
  4. make payments
  5. your card to
Вопрос 97

What is typically, most often, used to calculate interest on savings accounts?

  1. The highest balance in the account during the month.
  2. The lowest balance in the account during the month.
  3. The average monthly balance in the account.
  4. The daily balance in the account.
Вопрос 98

How do interest rates on savings accounts vary?

  1. Interest rates are always fixed for all savings accounts.
  2. Interest rates are always variable for all savings accounts.
  3. Interest rates can be fixed or variable depending on the type of account.
  4. Interest rates are determined solely by the bank clerk.
Вопрос 99

What documents are necessary to confirm the client's identity for opening a savings account?

  1. Driver's license and utility bill.
  2. Russian citizen passport and taxpayer identification number.
  3. Birth certificate and bank statement.
  4. Employment contract and school diploma.
Вопрос 100

Why is it important to clarify the client's permanent address?

  1. To ensure they receive mail from the bank.
  2. To verify their current residential status.
  3. To determine their eligibility for a savings account.
  4. To confirm their identity and contact information.
Вопрос 101

What happens once the application for opening a savings account is completed?

  1. The client receives a debit card immediately.
  2. The bank processes the application and prepares an agreement.
  3. The client must provide additional documents.
  4. The bank representative schedules an appointment with the client.
Вопрос 102

Match the term with its definition:

  1. Place of residence
  2. Document's date of issue
  3. Identity document
  4. Chief accountant
  5. The date when a document was officially issued or created.
  6. A document used to prove a person's identity, often issued by government authorities.
  7. The location where an individual resides or lives permanently.
  8. The person responsible for overseeing a company's financial activities and records.
Вопрос 103

Match the term with its definition:

  1. Currency code
  2. Authorized Officer
  3. Deputy
  4. Chairman of the Board
  5. The highest-ranking officer of a company's board of directors, responsible for leading board meetings and setting the agenda.
  6. An individual granted legal authority to act on behalf of an organization, typically specified in official documents or contracts.
  7. A standardized three-letter code used to represent a specific currency.
  8. An individual appointed to act in the place of another, often with specific delegated responsibilities or authority.
Вопрос 104

The interest rates on our savings accounts can be two types, depending on the type of account you choose. Fixed rates remain constant for a specific period, while ... rates may change over time based on market conditions.

  1. variable
Вопрос 105

A ... account is suitable for situations when you have money but aren't ready for long-term investments.

  1. savings
Вопрос 106

The main difference lies in the flexibility. There are no restrictions on using the money in a savings account - you can withdraw and deposit funds at any time without fines or fees. Unlike regular ... , there's usually no minimum amount to open, and you're not required to maintain a minimum balance.

  1. deposits
Вопрос 107

Put the words in the correct order to form a sentence:

  1. you can always top
  2. up your account later,
  3. with a regular deposit
  4. which isn't possible
  5. all the money,
  6. even if you withdraw
Вопрос 108

Put the words in the correct order to form a sentence:

  1. allows you to do
  2. also, if you want
  3. a savings account
  4. that effectively
  5. to split your savings,
Вопрос 109

What supplementary information might be requested during the process of opening an individual account with a bank?

  1. Client's hobbies and interests.
  2. Client's favorite color and food preferences.
  3. Client's permanent residence address and contact telephone numbers.
  4. Client's preferred mode of transportation and vacation plans.
Вопрос 110

Why is it necessary for the client to decide on the currency for their individual account?

  1. To determine the client's spending habits.
  2. To ensure the client receives the best interest rates.
  3. To make international transactions easier, if applicable.
  4. To limit the client's withdrawal options.
Вопрос 111

What important document must be signed by both the client and the bank representative during the process of opening an individual account?

  1. A client satisfaction survey.
  2. A debit card agreement to end the service.
  3. An agreement for the opening and management of the savings account.
  4. A confidentiality agreement so the client doesn't tell anyone about the rates.
Вопрос 112

Match the term with its definition:

  1. Servicing of the current account
  2. Bank stamp
  3. Identification document
  4. Chief Accountant
  5. The process of managing and maintaining a bank account, including transactions, fees, and customer service.
  6. A mark or impression made by a bank on documents to validate or authenticate them.
  7. The person responsible for overseeing a company's financial activities and records.
  8. A document used to verify a person's identity, often issued by government authorities.
Вопрос 113

Match the term with its definition:

  1. Signature of a bank employee
  2. Notarization
  3. Apostille
  4. Passport
  5. A mark or impression made by a bank employee on documents to validate or authenticate them.
  6. A certification affixed to documents to verify their authenticity for use in foreign countries that are parties to the Hague Convention.
  7. A certification or authentication of a document by a notary public, confirming its authenticity and legality.
  8. An official government-issued document used to verify a person's identity and nationality.
Вопрос 114

To keep your money safe, you need to learn about money management and basics of financial literacy. This means making a plan for how you spend and save your money. You can start by making a ... to see where your money goes each month.

  1. budget
Вопрос 115

One problem is inflation, where prices rise and money buys ....

  1. less
Вопрос 116

Put the words in the correct order to form a sentence:

  1. you can save each month, and
  2. analyze your monthly income
  3. determine how much
  4. and expenses
Вопрос 117

Put the words in the correct order to form a sentence:

  1. telephone numbers
  2. should also
  3. the alternate address
  4. be provided,
  5. along with their contact
Вопрос 118

Read the text below and answer the question. There's only one correct answer. Text: There are the following steps to open a savings account for a bank client: Filling out the application form Providing identification documents Providing permanent address and contact information Deciding on the currency Preparing an agreement Signing the agreement Question: What step is missing from the steps involved in opening a savings account?

  1. Certifying the agreement with a seal
  2. Cancelling a previous agreement
  3. Exchanging the client's currency
Вопрос 119

Read the sentence below and answer the question. There's only one correct answer. Sentence: Я, нижеподписавшийся, несу полную ответственность за достоверность представленных мною сведений. С условиями открытия счета и с действующими тарифами Банка РМП (ПАО) ознакомлен(а) и согласен(на). Question: What is the correct English translation of the sentence?

  1. I, the undersigned, bear full responsibility for the accuracy of the information I provided. I have read and agree to the conditions for opening an account and the current rates of RMP Bank (PJSC).
  2. I, the signor of the agreement, am responsible for the accuracy of the information I provided. I have read and agreed to the conditions for opening an account and the current rates of RMP Bank (PJSC).
  3. I, the undersigned, am responsible for the accurate information in the documents. I have read and agree to the conditions for opening an account and the current rates of RMP Bank (PJSC).
Вопрос 120

Read the text below and answer the question. There's only one correct answer. Text: Let's say you have €500 hidden under your mattress. Over the next two years, inflation gradually decreases the value of your money. Let's calculate your losses due to inflation. Question: If the inflation rate for the first year was 2% and the second year it increased to 4%, how much would your €500 cash stash be worth in terms of purchasing power after these two years?

  1. €500 exactly
  2. €520 or more
  3. €480 or less
Вопрос 121

Read the text and answer the question. There's only one correct answer. Text: Suppose you have $2000 deposited into a savings account at a bank. Over the next year, inflation gradually decreases the value of your money. However, your savings account also earns interest, which helps against the effects of inflation. Question: If the inflation rate for the year was 2% and your savings account interest rate was 1.5%, how much would your $2000 in the savings account be worth in terms of purchasing power after one year?

  1. $1987
  2. $1990
  3. $2010
Вопрос 122

What is a credit line for a business compared to in the lecture?

  1. A pot of money for personal use.
  2. A pre-approved loan from a financial institution.
  3. A fixed investment in a project.
  4. A temporary decrease in revenue.
Вопрос 123

What is the maximum amount of money that a business can borrow from a credit line called?

  1. Credit score.
  2. Credit report.
  3. Credit limit.
  4. Credit utilization.
Вопрос 124

How does the lecture describe the flexibility of using a credit line for businesses?

  1. Businesses must use the full credit limit all at once.
  2. Businesses must use the borrowed money immediately.
  3. Businesses can borrow as much or as little as they need, up to the credit limit.
  4. Businesses can borrow more than the credit limit allows.
Вопрос 125

What does a business pay interest on when utilizing a credit line?

  1. The entire credit limit.
  2. The credit limit minus the borrowed amount.
  3. Only the amount of money borrowed from the credit line.
  4. The fluctuating cash flow of the business.
Вопрос 126

Match the term with its definition:

  1. Personal Information
  2. Contact details
  3. Loan application
  4. Guarantee
  5. Means of communication such as phone number, email address, or physical address used to reach an individual.
  6. A formal request submitted to a lender or financial institution seeking approval for a loan, including details about the amount, purpose, and repayment terms.
  7. Information about an individual, including their name, address, date of birth, and other identifying details.
  8. A promise or assurance made by one party to take responsibility for the debt or obligation of another party if they fail to fulfill their obligations.
Вопрос 127

Match the term with its definition:

  1. Debt
  2. Work experience
  3. Status
  4. Job title
  5. The level of seniority or position held by an individual in their employment, often indicating their role and responsibilities.
  6. The accumulation of knowledge, skills, and expertise gained through employment, education, or training.
  7. The amount of money owed by an individual or entity to another party, typically as a result of borrowing or financial obligations.
  8. The condition or state of an individual, often referring to their social, economic, or legal standing in society.
Вопрос 128

Every month, the bank sends you a bill called a credit card .... This document shows all the purchases you've made with the card during that month.

  1. statement
Вопрос 129

You can either pay off the full amount you owe, or you can pay just a part of it. If you pay off the full amount, you won't owe the bank any ....

  1. interest
Вопрос 130

Put the words in the correct order to form a sentence:

  1. as long as you meet
  2. certain conditions
  3. withdrawals
  4. with no interest
  5. you get up to 120 days
  6. on purchases and cash
Вопрос 131

Put the words in the correct order to form a sentence:

  1. it borrows from the credit line
  2. the amount of money
  3. not on the entire amount
  4. interest on
  5. the business only pays
Вопрос 132

What is the difference between the two main ways clients can use safe deposit boxes at banks?

  1. The size of the safe deposit box.
  2. The location of the safe deposit box.
  3. The bank's knowledge of the stored items.
  4. The type of valuables that can be stored.
Вопрос 133

What limitations are mentioned regarding the contents of safe deposit boxes?

  1. Only documents and cash are permitted.
  2. Valuables must be declared to the bank.
  3. Certain prohibited items cannot be stored.
  4. Only perishable items are allowed.
Вопрос 134

According to the text, what items are NOT explicitly prohibited from being stored in safe deposit boxes?

  1. Food and clothing.
  2. Jewelry and valuable belongings.
  3. Explosives and firearms.
  4. Radioactive substances.
Вопрос 135

What is the purpose of opening a bank deposit, according to the message?

  1. To earn extra income without financial expertise.
  2. To invest in the stock market.
  3. To participate in financial trading.
  4. To secure loans for businesses.
Вопрос 136

What is the difference between an irrevocable and a revocable bank deposit?

  1. The amount of interest earned.
  2. The type of currency used.
  3. Whether the depositor can withdraw money before a certain period.
  4. The duration of the deposit.
Вопрос 137

What is the purpose of capitalization of interest?

  1. To decrease the interest earned on the deposit.
  2. To add interest earned on the deposit.
  3. To reduce the deposit amount.
  4. To extend the deposit period.
Вопрос 138

Match the term with its definition:

  1. Social security
  2. Bank safe deposit box
  3. Metal safe
  4. Depository
  5. A facility or institution where securities such as stocks, bonds, or other financial instruments are held and administered in safekeeping.
  6. A system of government programs providing financial assistance to individuals who are retired, disabled, or unemployed, or to families with dependent children.
  7. A secure storage container typically located within a bank's vault, used by individuals to store valuable belongings or documents.
  8. A sturdy, secure container made of metal used for storing valuables, documents, or cash.
Вопрос 139

Match the term with its definition:

  1. Checking account
  2. Control
  3. Storage conditions
  4. Service fee
  5. The act or process of directing, regulating, or overseeing something to ensure compliance with rules, standards, or expectations.
  6. The specific requirements or environment necessary for the safekeeping of items or goods, often related to factors such as temperature, humidity, and security.
  7. Some amount of money charged by a bank or financial institution for maintaining an account or providing specific services.
  8. A type of bank account that allows for frequent transactions such as deposits, withdrawals, and payments using checks or electronic transfers.
Вопрос 140

Bank deposit is ... put into a bank by individuals or businesses for safekeeping or to earn interest.

  1. money;; resources
Вопрос 141

... is the person who signs the deposit agreement with the bank.

  1. depositor
Вопрос 142

Put the words in the correct order to form a sentence:

  1. at your nearest branch
  2. send you the
  3. necessary paperwork or
  4. we can
  5. schedule a meeting
Вопрос 143

Put the words in the correct order to form a sentence:

  1. with only the client
  2. a safe deposit box
  3. knowing what's inside
  4. to store their
  5. valuables, with
  6. clients can rent
Вопрос 144

Read the sentence below and answer the question. There's only one correct answer. Text: Я располагаю техническими и иными возможностями для получения сообщений по указанным мною в настоящей анкете номерам телефонов и обязуюсь незамедлительно уведомить Банк об изменении номера мобильного телефона, передаче его третьим лицам, об утере или хищении SIM-карты с номером мобильного телефона. Question: What would be the correct English translation of this sentence?

  1. I own the technical and other capabilities to receive messages at the phone numbers I specified in this form and take to immediately notify the Bank of a change in my mobile phone number, transfer of it to third parties, or loss or theft of a SIM card with a mobile phone number.
  2. I have the technical and other capabilities to receive messages at the phone numbers I specified in this form and undertake to immediately notify the Bank of a change in my mobile phone number, transfer of it to third parties, or loss or theft of a SIM card with a mobile phone number.
  3. I have the technical and other capabilities to sent messages at the phone numbers I received in this form and take to immediately notify the Bank of a change in my mobile phone number, transfer of it to third parties, or loss or theft of a SIM card with a mobile phone number.
Вопрос 145

Read the question below and answer it. There's only one correct answer. Question: Which situation best illustrates how a credit line works for a business?

  1. ABC Corp has a credit line of $100,000 with a financial institution. They borrow $50,000 to renovate their office space. They must repay the entire $50,000 within a month, regardless of how much they've used.
  2. XYZ Company has a credit line of $50,000 with a bank. They use $30,000 to purchase inventory for their store. They pay interest only on the amount they have used, not the entire credit line.
  3. LMN Enterprises has a credit line of $200,000 with a credit union. They use $150,000 to expand their production capacity. They pay back the entire amount plus interest within a year, regardless of their business needs.
Вопрос 146

Read the text below and answer the question. There's only one correct answer. Text: Sarah is saving for a down payment (первоначальный взнос) on a house she plans to buy in the next three years. She wants to earn some interest on her savings while keeping the funds easily available for when she's ready to buy the house. Question: Based on the situation described, which type of deposit account would be the best for Sarah?

  1. A savings account with a high, competitive interest rate.
  2. A certificate of deposit with a fixed interest rate that ends in three years exactly.
  3. A checking account with no interest but unlimited access to funds.
Вопрос 147

Read the text and answer the question. There's only one correct answer. Text: Jack has received a large inheritance (наследство) and wants to set aside a portion of it for his daughter's college education, which she will start in five years. He wants to maximize the return on his savings while making sure that the money is safe and secure. Question: Based on the situation described, which type of deposit account would be the best for Jack?

  1. A traditional savings account with a low interest rate but easy access to funds.
  2. A money market account with a higher interest rate but medium access to funds.
  3. A long-term certificate of deposit with a fixed interest rate and an end date matching his daughter's college start date.