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4.1. Find the Russian equivalents for the following:

слияние банков, издержки, решающие сделки, ограниче-ния на количество чеков, начальный высокий процент, требо-вание о минимальном балансе, множество сделок по банков-ским счетам, процентные ставки, перевести деньги с одного счёта на другой, приносящий убыток, обслуживать специаль-ные группы.

Match the words with their Russian equivalents. Make up your own sentences with them:

1) bank of issue

a) акционерный банк

2) bank account

b) кредитный билет

3) bank-rate

c) банкноты

4) bank-book

d) тратта, выставленная банком на другой банк

5) bank currency

e) учётная ставка банка

6) bank draft

f) эмиссионный банк

7) joint-stock bank

g) счет в банке

8) bank-note

h) лицевой счет

5. Banking and Local Currency

Text 5

Read the text and write its plan according to the numbers given below:

Banking and Local Currency

Credit cards can now be used in hotels and some restaurants and shops in St. Petersburg, although cash is normally used every-where else. Roubles are the only legal currency. There are many cash-points in the city where you can use credit cards, or exchange your currency or traveller’s cheques to get roubles, but commission rates vary. Bank rates are very good and money should never be changed on the streets.

1. …

You cannot obtain roubles outside Russia, but there are many exchange offices in St. Petersburg. You have to show your passport when you change money. Make sure that any notes brought into Russia are in good condition and that any US dollars were issued

20

after 1990. When you complete an exchange transaction, you are given a receipt slip. Travellers have to keep these slips because they will be attached to the customs declaration form on arrival in Russia and returned to customs on departure.

2. …

The most reliable Russian banks are Inkombank and Prom-stroybank. Exchange offices are often branches of banks where you can change money or take out cash using a credit or debit card. Ex-change offices often work long hours: the branches of Inkombank at the Europe and Nevskij Palace hotels are open twenty-four hours.

3. …

It is possible to obtain cash, both roubles and US dollars, with a credit card at larger banks and from automatic cash dispens-ers. The most commonly accepted card is Visa. If you take out rou-bles, you will be charged less commission.

4. …

Banks charge at least 3 percent if you need to cash traveller’s cheques, but only the large banks offer this service. The cheapest alternative is American Express. The commission is only 2 percent if these cheques are cashed at the American Express office. Travel-ler’s cheques can only be used in the largest hotels. Dollar cheques are always preferred.

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