1. What’s this? A place where they lend you an umbrella in fair weather and ask for it back when it begins to rain. Mark Twain

2. Can you guess now? A place where they lend you an umbrella in fair weather and ask for it back when it begins to rain. Mark Twain A place that will “help” you if you can prove that you don't need “help”. Bob Hope

3. A bank is a place where they lend you an umbrella in fair weather and ask for it back when it begins to rain. Mark Twain A bank is a place that will lend you money if you can prove that you don't need it. Bob Hope If you owe the bank $100 that's your problem. If you owe the bank $100 million, that's the bank's problem. John Paul Getty Do you agree?

4. BANKING MK, U 14 RB, pp.56-60

5. MK, p 73: Lead-in Which of the following banking products or services do you find the most useful or necessary?

6. Match definitions with terms in MK, p 73 & discuss 1one that pays interest, but usually cannot be used for paying cheques (GB) or checks (US), and on which notice is often required to withdraw money 2a plastic card which is used instead of money to pay for goods and services. The cost is taken directly from the users bank account. 3a computerized machine that allows bank customers to withdraw money, check their balance and so on 4a fixed sum of money on which interest is paid, lent for a fixed period, and usually for a specific purpose 5one that generally pays little or no interest, but allows the holder to withdraw his or her cash without any restrictions 6a card which guarantees payment for goods and services purchased by the carholder, who pays back the bank or finance company at a later date 7an instruction to a bank to pay fixed sums of money to certain people or organizations at state times

7. 1one that pays interest, but cannot be used for paying cheques (GB) or checks (US), and on which notice is often required to withdraw money – 2a plastic card which is used instead of money to pay for goods and services. The cost is taken directly from the users bank account. – 3a computerized machine that allows bank customers to withdraw money, check their balance and so on - 4a fixed sum of money on which interest is paid, lent for a fixed period, and usually for a specific purpose – 5one that generally pays little or no interest, but allows the holder to withdraw his or her cash without any restrictions 6a card which guarantees payment for goods and services purchased by the carholder, who pays back the bank or finance company at a later date – 7an instruction to a bank to pay fixed sums of money to certain people or organizations at stated times savings / deposit account debit card ATM a loan – current account (GB) – checking account (US) – credit card – standing order

8. Verb + account = o_ _ n an account o_ _ _ d _ _ _ an account c_ _ s _ an account c_ _ _ g _ sth. to an account w_ _ _ d _ _ _ money from an account d _ p _ _ _ t money in an account d _ _ _ t money from an account (take money from) c _ _ d _ t money to an account (add money to) a current account p_ y _ a small interest s _ tt _ _ an account h _ _ d an account (with ZABA)

9. Verb + account = open an accountoverdraw (..) account close an account charge sth. to an account withdraw money from an account deposit money in an account /dı’pozıt/ !!!! debit money from (...) account (take money from) credit money to an account (add money to) a current account pays a small interest (past tense: settle an account paid) hold an account (with ZABA) RB P 57, task III HW: RB pp 56 & 57 (tasks I & II)

10. Sixteen tons http://www.youtube.com/watch?list=RDjIfu2A0ezq0&v=jIfu2A0ezq0 Some people say a man is made outta mud A poor man's made outta muscle and blood Muscle and blood and skin and bones A mind that's a-weak and a back that's strong RE: You load sixteen tons, what do you get Another day older and deeper in debt Saint Peter don't you call me 'cause I can't go I owe my soul to the company store I was born one mornin' when the sun didn't shine I picked up my shovel and I walked to the mine I loaded sixteen tons of number nine coal And the straw boss said "Well, a-bless my soul“...  Handout PRONUNCIATION PRACTICE

11. MK, p 73 Banks and financial institutions Read and fill in 1 commercial banks2 investment banks 3 private banks4 hedge funds 5 stockbrokers6 Islamic banks 7 non-bank financial intermediaries Vocabulary 1 Vocabulary 2  Handout p 1: read a word and ask a colleague to create a word partnership

12. Describing graphs Revision: verbs, nouns, adverbs, adjectives Translate: 1) U ožujku je vrijednost dionica naglo pala. 2) Prihod je potonuo ispod 1.000.000 EUR. 3) Cijene zlata dosegle su najnižu točku 2010. 4) Očekujemo skok cijena nafte. 5) Porezi su postupno rasli. 6) Zabilježili smo dramatičan uzlet cijena nekretnina.

13. Stock value suddenly DROPPED in March. In March the value of stocks FELL rapidly. The revenue SANK below EUR 1.000.000. The revenue PLUNGED below EUR 1.000.000. Gold prices REACHED the trough in 2010. Gold prices BOTTOMED OUT in 2010. We are expecting a JUMP / a SURGE in oil prices. Taxes DROPPED / FELL / DECREASED gradually. We recorded a dramatic SURGE in real estate prices.

14. Describing graphs PREPOSITIONS, RB, 33-34 Exercises I & II

15. Describing movements and prepositions to rise ______ 2 h ___ 5 h to increase _____ 35 % (verb + ?) a decrease ____ 10 % (noun + ?) an increase ____ 15% to decrease ____ 46% to fall _____ 20 % ____ 13 % to fall ____ $3 h ___ $2 h The company expects a 5% increase ___ sales. Sales stood ___ $1 m ___ 1998. The sales figures peaked ___ $1,000. from to by of by from to from to in at in at

16. Describing movements and prepositions to rise from 2 h to 5 h to increase by 35 % / by 3 (from 2 to 5) an increase of 15% a decrease of 10 % to decrease by 46% / by 2 (from 10 to 8) to fall from 20 % to 13 % to fall from $3 h to $2 h The company expects a 5% increase in sales. Sales stood at $1 m in 1998. The sales figures peaked at $1,000. Careful: rast od 5% je an increase of 5% noun + of porasti za 5% nije to increase for 5% nego: to increase by verb + by

17. Prepositions:TO, OF, BY, FROM, IN, AT It will rise.... $5 and go.... $20. The price is stable.... 15$. This is an increase.... $5... the price. This is a $5 rise.... the price. Sales have grown... 2%.

18. Prepositions: TO, OF, BY, FROM, IN, AT It will rise BY $5 and go TO $20. The price is stable AT 15$. This is an increase OF $5 IN the price. This is a $5 rise IN the price. Sales have grown BY 2%. HW: RB, p 34, exercise III

19. Time prepositions onon Monday, on 23 March 2012 inin August / in winter in the morning in 2006 in an hour atat half past nine at night at the weekend sincesince 1980 forfor 2 years ago2 years ago beforebefore 2004 to / till / untilfrom Monday to/till Friday till / untilHe is on holiday until Friday. byI will be back by 6 o’clock. By 11 o'clock, I had read five pages.