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

10(6). Listening.

Percentages

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

	Matthew (male)	Robyn (female)	Average British person (from the survey pie chart)
Food and drink			22%
Housing		not given	16%
Transport			15.2%
Household goods and services			14%
Leisure goods and services			16%
Tobacco		0%	2%

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 enriching its 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 advances to 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 public and make loans to individuals and businesses and sometimes to governments. Central banks, in contrast, deal mainly with their 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 welfare and 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.