A bank manager, who is responsible for a branch of business, usually begins his career as loan officer and acquires skills and experience going through several jobs. Bank loan offices make initial contacts with new customers, accept their loan application and assist them how to fill out a loan request.
Managers of the accounting and operation division control and direct one of the leading business areas concerned with financial planning through the interpretation and use of financial data for one thing. They are in charge of processing checks and clearing on behalf of their customers for another. Managers of the operations division of a bank supervise the work of tellers and handle customers’ problem with their checking accounts. The maintaining and improving the bank’s facilities are also in their line of business as well as security problems. The scope of their business demands that manager in the bank’s accounting and operations division should have solid training in the field of business and financial management and sufficient knowledge in up-to-date computer network system.
1. To become a bank manager one should:
1. go through several jobs in a bank to acquire necessary skills;
2. graduate from a special university;
3. to be a loan officer.
2. A bank manager usually starts his career with:
1. managing a new branch of business;
2. helping new clients to fill in applications for loan;
3. making important decisions.
3. The leading business area in a bank concerns:
1.handling customers’ problems;
2. analyzing financial data, executing financial planning and forecasting;
3. interpreting customers’ attitude.
4. Managers of the accounting and operation divisions:
1. tell the customers about their problems;
2. make initial contacts with new customers;
3. are in charge of financial planning and the work of tellers.
5. The scope of business of a bank manager demands:
1. a vast education in financial sphere and information technologies;
2. sufficient knowledge in computer programming;
3. solid training in the field of boxing.
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One of the first effects of inflation is directly to affect the level of personal saving, which, in turn, impacts on the amount of money that can be syphoned back into the economy. In an inflationary situation capital and any interest or dividend on it falls in value, because the same amount of money buys less as prices rise. Savers may be forced to withdraw some of their capital to maintain their standard of living. If inflation is extremely high, the true rate of interest may be negative and thereal value of the capital asset plus interest falls.
At the same time, during inflation, people tend to reduce the amount of savings they make because their money does not go so far. If, say, rents rise by 20% before individuals have a chance to negotiate a wage increase to cover the rise, they may be forced to cut their savings to help pay the increased rent. As prices rise, people may prefer to invest in items they expect to keep their value, rather than in savings, the value of which will fall. Gold and other precious metals (or property, for example) may be preferred to bank deposits when inflation is high.
1. The text is about:
- different prices for goods;
- the impact of inflation;
- gold and other precious metals.
2. In the inflationary situation the interest rate:
1. increases;
2. decreases;
3. remains the same.
3. As prices rise people prefer to save money:
- in bank deposits;
- at home;
- in precious metals or property.
4.During inflation people:
1. increase their savings;
2. reduce their savings;
3. don’t touch their savings
5. People are forced to cut their savings because:
1. they may need money to pay the increased rent;
2. they spend them on luxuries;
3.they don’t need deposits.
