Final Test

Name:_______________________ Date:__________ Score_________/ 80

Grammar / 20 Vocabulary / 20 Listening / 20 Reading / 20

Grammar

A Fill in the gaps with the correct words.

/ 10 points

continues has will host are is working

---------------------- ------------------ --------------------- ------------------ --------------------
emphasizes offers made published
approved

Yesterday, the bank (1_________) its quarterly financial report. Currently, the finance team (2___________)

on analyzing the data to identify key trends. The CEO recently (3_________) an announcement about the

upcoming expansion plans. In the meantime, customers (4__________) encouraged to explore the new mobile

banking app, which (5_________) a variety of features. Next month, the bank (6__________) a series of

financial literacy workshops for the community. As technology advances, the institution (7_________) its

commitment to providing innovative and secure financial services. The board of directors (8__________)

already (9_______) the budget for the next fiscal year. Additionally, the marketing team (10________) to

develop strategies to promote the bank's services.

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B Read and choose the correct answers
/ 10 points

1. When _____________ new customers, the 6. The loan officer _____________ financial advice
bank representative always provides a warm to clients regularly.
welcome.
gives
are meeting
is giving
meets
giving
meeting
2. What _____________ right now? Is the loan 7. Excuse me, but I _____my account details
officer reviewing the application forms? online. Can you help me with that?

does she am checking

is she doing check
she does. checks
3. The bank usually _____________ its doors at 8
AM every weekday. 8. The bank tellers _____________ their cash
registers at the end of each business day.
opening
counting
opens
count
is opening
is counting
9. The bank manager often _____________
4. As we speak, the financial advisor
reports to the head office on the branch's
_____________ a presentation on the latest
performance.
investment opportunities.

giving submit

gives is submitting

is giving submits

5. Last month, the bank _____________ a new 10. Next year, the bank _____________ its
customer service hotline. digital banking infrastructure.

is launching upgrades

launched upgraded

launches will upgrade

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 Vocabulary
A Match the words to their definitions.
/ 10 points

A. The action or process of making money by producing or buying

1. Bankruptcy and selling goods.

B. An individual or business that uses the services or advice of a

2. Deposit
professional or company.

3. Bank C. A financial institution that provides various financial services,

including accepting deposits and providing loans.

4. Client
D. A sum of money placed or kept in a bank account, usually to

5. Loan gain interest.

E. A financial arrangement in which a person borrows money to

6. Transaction
buy a property and pays back the money over a period.

7. Investment product F. The action of taking out money from a bank account.

G. A financial product that allows individuals to invest in various

8. Withdrawal
securities such as stocks and bonds.

9. Wealth management H. A record summarizing all the transactions pertaining to a

single item in the accounting cycle.

10. Investment
I. The process of increasing the wealth of an individual or

business through careful management of financial assets.

J. The state of being unable to pay debts, resulting in a legal

declaration that one is incapable of paying one's creditors

B Fill in the gaps with the correct words.

/ 10 points

1. The customer requested a __________ to access online banking services.

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 a. password b. withdrawal c. statement
2. Before applying for a mortgage, it's essential to understand the __________ and conditions.
a. fees b. assets c. terms
3. The bank offers a range of __________ options, including savings and fixed deposits.
a. loans b. accounts c. transactions
4. To secure a loan, customers may need to provide __________ such as pay stubs and tax returns.
a. assets b. collateral c. liabilities
5. The teller asked the customer to __________ a deposit slip for the cash transaction.
a. complete b. withdraw c. sign
6. The financial advisor discussed the potential __________ of various investment portfolios.
a. returns b. withdrawals c. expenses
7. The bank manager assured the client that the online platform has robust __________ measures.
a. security b. interest c. fees
8. The new credit card offers various __________, including cashback and travel rewards.
a. liabilities b. transactions c. benefits
9. The bank provides a detailed __________ of the account's activity each month.
a. overdraft b. statement c. interest
10. Before making a significant financial decision, it's advisable to seek advice from a __________.
a. lender b. debtor c. financial advisor

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Listening
A Listen and match
/ 5 points

a) for online banking on the bank’s every day website.

1 Mr Osman can’t go to the bank

b) when he gets his user ID and banking password.

2 When Mr Osman starts online

c) to something he can remember

3 Mr Osman can register

d) until he registers.
4 He can start online banking easily.

e) because he is very busy.

5 He can change his password

f) he can check his balance and make payments online

6 He can’t start online banking

B Listen and state true or false!

/ 6 points

1. Mr Allen is an existing customer.

2. Mr Allen wants to open a savings account

3. Mr Allen knows a lot about investments

4. The bank offers an investment advice

service.

5. Mr Haddad arranges a meeting for next

Thursday at three o’clock

6. The meeting time is not convenient for Mr

Allen

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 Reading
A Read and answer the questions.
/ 5 points

ESL Banking Reading Comprehension Passage

Banking and banks are very important for the functioning of the modern world. Without banks the way we use
money would not work. Banks enable people to save money, borrow money and to pay for things with ease and
security.

Each country in the world has its own well known banks that have branches in nearly every city so that they
are convenient for people to use. People often have to visit the local branch of the bank when they want
certain services. There are also some very big multinational banks that have branches in most countries in the
world.

As well as the local branches that are in most cities, each bank will also have a head office. This is where all
central tasks are performed that let the local braches function. The people that work in the branches will be
the bank manager, the person in charge, and various tellers who work behind the bank counter and help the
customers. There will also likely be security guards to protect the money, workers and customers.

Most customers will just need to see the tellers when they go to the bank if they are paying money into their
account as either cash or a check. However, they might need to see the bank manager if they want to open an
account or if they have become overdraw, when they have spent more money than there was in the account.
Also if they want to borrow money and get a loan the person will need to see the bank manager who will have
to approve it.

As well as being able to use cash or checks to pay for things, banks also offer their customers the more
convenient methods of using either a debit card or credit card. These methods are very convenient as you just
need to carry a small plastic card to be able to pay for anything. When paying with plastic you will need to
either sign a receipt or enter a PIN number to conform the purchase and that you are authorized to use the
card.

Reading comprehension questions that go with the above reading passage.

1) According to the text, what do banks enable people to do?

A) Buy products
B) Save money for the future
C) Get money now that they have to pay back later
D) All of the above
2) What is the purpose of the head office of a bank?
A) To support the local branches to work properly.
B) To offer services to local customers.
C) To work with other banks.
D) To look impressive.
3) What do bank tellers do?
A) They protect the money.
B) They help the customers.
C) They arrange loans for customers.
D) They are in charge of the bank branch.
4) What happens when a bank customer spend more money than they have in their account?
A) They will need to see the security guard.
B) They will have to go to the police station.

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 C) They will have to have a meeting with the bank manager.
D) They will have to borrow money from the bank.
5) Which of the following methods is more convenient when paying for something than using a check?
A) Using a plastic card
B) Using cash
C) There is not a more convenient method.
D) With an exchange of products.

B Read and choose the correct answers.

/ 5 points

In the early 1800s, wealthy families hired dressmakers to create personalized garments for
them. The dressmakers did not usually create their own designs for clothes or sell them to
the public. Then, in the 1850s, Charles Frederick Worth became the first successful fashion
designer. Worth, who many consider to be the father of the modern fashion industry,
created his own designs and sold them to anyone willing to pay. By the 1870s, women
from all over the world were traveling to Paris to purchase his garments. Other designers,
inspired by Worth’s success, soon established their own fashion companies.

In the 1910s, Coco Chanel revolutionized the fashion industry by rejecting complicated
dress designs that were uncomfortable to wear. Instead, she introduced simple, elegant
dresses that were made from comfortable, light fabrics. Chanel capitalized on her success
as a fashion designer by creating an iconic fragrance, Chanel No. 5, which was first sold at
her boutique in Paris in 1921.

In the 1960s, high fashion was transformed again by designer Yves Saint Laurent. As
well as producing daring and innovative designs, Laurent also produced a ready-to-
wear collection of clothing, which he sold directly to the public. Previously, women had to
order clothing from high-fashion designers, and each piece of clothing was made to fit the
person who ordered it. Saint Laurent’s designs could be purchased by anyone who
visited his Paris store. Today, almost all designers produce ready-to-wear collections that
can be purchased in stores.

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 1. simplified women’s clothing. 4. created a fragrance for women.

Charles Frederick Worth Charles Frederick Worth

Coco Chanel Coco Chanel
Yves Saint Laurent Yves Saint Laurent

2. was the first successful fashion 5. used bold designs.

designer.
Charles Frederick Worth
Charles Frederick Worth Coco Chanel
Coco Chanel Yves Saint Laurent
Yves Saint Laurent

3. helped bring high fashion

to the public.

Charles Frederick Worth

Coco Chanel

Yves Saint Laurent

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