Bộ Đề Thi Tiếng Anh Chuyên Ngành

BỘ ĐỀ THI TIẾNG ANH CHUYÊN NGÀNH
ĐỀ 01
I. Choose A, B, C or D which would be best
1. My main responsibility is……………..with customers, suppliers and their problems.

A solving B exchanging C dealing D deal
2. Remember to get………………….the bus at the city park and then walk to the office.
A. off B. on C. out of D. of
3. The village is very far from the nearest town, so it is not easily…………., especially in rainy
season.
A. remote B. outstanding C. distant D. accessible
4. VP Bank specializes in providing ………services for corporate sector.

A. constructive B. agricultural C. financial D. managerial
5. One of key points of trade finances is …………

A. Funds may be used to acquire materials, labor, inventory, goods and services for export.
B. Funds may be used to acquire materials, inventory, goods and services for export.
C. Funds may be used to acquire materials, labor, goods and services for export.
D. Funds may be used to acquire materials, labor, inventory, services for export.
6. I am really happy ………our plan because it works as planned.

A. into B. to C. with D. between
7. I think it is…………….to send the report now so I’ll bring it to the head office tomorrow
morning.
A. such late B. much late C. too late D. soon
8. One of the characteristics of an export working capital facility is …………

A. Export working capital financing is used to purchase raw materials, supplies, and
equipment
B. Export working capital financing is used to purchase raw materials, supplies, and equipment to
fulfill a large export sales order or many small export sales orders
C. Export working capital financing is used to purchase raw materials
D. Export working capital financing is to fulfill a large export sales order or many small export sales
orders
9. I am going to climb the Fancipan mount next month. Do you think it……..a successful journey?
A. is B. shall be C. will be D. has been
10. As soon as you finish the meal, the waiter will bring you a………………….
A. B. bill C. credit card D. money
payment
B. TRANSLATION
I. English-Vietnamese translation
1. Compliance with Basel standards is very important to banks in the current context when the SBV
will give priority to higher credit growth quota for banks with abundant equity, high capital
adequacy ratio (CAR) and good risk management through the application of Basel II, Basel III and
international financial reporting standards 9 (IFRS 9).
🡪 Trong bối cảnh hiện nay, việc tuân thủ Basel là rất quan trọng đối với các ngân hàng vì NHNN sẽ
ưu tiên cung cấp hạn ngạch tăng trưởng tín dụng cao hơn cho các ngân hàng có vốn chủ sở hữu đầy
đủ, tỷ lệ an toàn vốn cao (CAR) và quản lý rủi ro tốt bằng cách áp dụng Basel II, Basel III và IFRS
9.
2. Augmenting and superseding parts of the Basel II standards, it was developed in response to the
deficiencies in financial regulation revealed by the financial crisis of 2007-08. It is intended to
strengthen bank capital requirements by increasing minimum capital requirements, holdings of high
quality liquid assets, and decreasing bank leverage.
🡪 Bổ sung và thay thế các phần của tiêu chuẩn Basel II, nó được phát triển để giải quyết những
thiếu sót trong quy định tài chính do cuộc khủng hoảng tài chính 2007-2008. Nó nhằm tăng cường
các yêu cầu về vốn của ngân hàng bằng cách tăng các yêu cầu về vốn tối thiểu, nắm giữ các tài sản
có tính thanh khoản cao và giảm tỷ lệ đòn bẩy của ngân hàng.
3. The State Bank of Viet Nam (SBV) might have to extend credit growth for the whole year 2022
to 16 per cent and grant more credit quotas to commercial banks in the near future as the pressure to
loosen the credit room is strong, analysts forecast.
🡪 Các nhà phân tích dự đoán Ngân hàng Nhà nước Việt Nam (NHNN) có thể phải kéo dài tốc độ
tăng trưởng tín dụng cả năm 2022 lên 16% và cấp hạn ngạch tín dụng nhiều hơn cho các ngân hàng
thương mại trong tương lai gần do áp lực lớn để nới lỏng không gian tín dụng.
II. Vietnamese-English translation
ĐỀ 02
A. READING, VOCABULARY AND GRAMMAR
Read the passages and answer the questions below.
A Giro system is commonly used in Europe. It is a credit transaction since it is initiated by the
debtor making a request to the paying bank that a credit be made to another individual's account.
The undoubted merit of the Giro system is the simplicity that results from the unidirectional flow
of paper and information. Consequently, many of the costs involved in cheque system are avoided.
Additionally, because the transactions' e an initial debit and subsequent credit to account, the default
risk is reduced once the transactions begin.
The drawback of the Giro system is, however, readily apparent. It relies upon the debtor (purchaser)
initiating the transaction. The creditor thus loses control over the implementation of e payment
which the debtor has an obvious incentive to delay and is uncertain about receiving payment until
notification IS given. Consequently, Giro transactions are not suitable for large number of
transactions where the seller of goods has no way of influencing the purchaser's actions, and there
may be a greater use of cash for day-to-day transactions in comparison with countries which use
cheques. The Giro system is particularly suitable for payments where the goods are supplied in
advance of payment on a regular basis. Payments to public utilities for electricity, gas and water are
obvious examples. This commonality in many payments can be exploited in the bill-payment
services offered by some banks, building societies and credit unions, which effectively substitute a
credit for a debit transfer.
I.True or False statements. Correct the False

1. Giro transaction is a credit transaction because it involves initial credit and subsequent debit F
2. Giro system has both advantages and disadvantages. T
3. In Giro system, papers and information are sent in different directions. F
4. With Giro, the creditor is unsure about receiving payment until notification is given. T
5. Bill - payment services offered by banks are normally carried out through Giro system.T
II.Find word/phrase in the passage which have the same meaning as the follows:
6. A certain good point = The undoubted merit
7. Encouragement = incentive
8. Services provided for public such as gas, electricity… = public utilities/ public utility
9. Payment for transactions which are performed regularly = payment on a regular basis
10. An organisation which accept deposits and lends money to customers who want to buy or to rent
houses, flats = Building society
III. Answer the following questions
11. What are the disadvantages of Giro system?
🡪 The creditor loses control over the implementation of e payment which the debtor has an obvious
incentive to delay and is uncertain about receiving payment until notification IS given.
12. Why can’t the creditor control the implementation of the payment?
🡪 The debtor initiates the transaction
13. What kinds of transaction should not be used by Giro credit slips?
🡪 Transactions where the seller of goods has no way of influencing the purchaser's actions
14. Why is default risk in Giro system reduced when the transaction begins?
🡪 Initial debit and subsequent credit
15. What are the examples of bill-based payment service mentioned in the text?
🡪 Gas bills, electricity bills, water bills.
IV. Choose A, B, C or D which would be best

16. Managers need to be………….at observing and asking questions.
A. worried B. interested C. good D. keen
17.Good managers must find out all the information they need to ……the right decisions.
A. do B. come C. go D. make
18 It's important to make a good impression when meeting…….That helps them trust your
company's products.
A. enemies B. clients C. relatives D. friends
19.The position went to a/an ……………candidate. No one in my department can take it over.
A. internal B. external C. lucky D. young
20 In next week's meeting we must agree………………the date of launching our new products and
how to promote it.
A. with B. about C. on D. over
21. He was ………and seriously injured by a gang of youths.
A. played B. cheated C. treated D. attacked
22. There's often ………at our meetings. Everyone has their own opinion and never agrees on a
common point.
A. agreement B. compromise C. conflict D. sympathy
23. He would lend it to you if you……………….everything.
A. lost B. lose C. will lose D. had lost
24.I ……………..these things if I were you.
A. don't buy B. wouldn't buy C. won't buy D. didn't buy
25.I'll get lost if you……………………with me.
A. don't go B. didn't go C. wouldn't go D. won't go
B. TRANSLATION
1. OCB General Director Nguyen Dinh Tung also admitted the settlement of bad debts is currently
more difficult than in the previous period. Currently, although borrowers want to sell their real estate
as mortgages to pay debts to banks, it is difficult to find buyers because of the poor realty market
liquidity. Therefore, bad debt settlement at banks is slower.
🡪 Ông Nguyễn Đình Tùng, Tổng Giám đốc OCB cũng thừa nhận việc xử lý nợ xấu hiện khó khăn
hơn giai đoạn trước. Hiện tại, dù người vay muốn bán bất động sản đang thế chấp để trả nợ cho ngân
hàng nhưng rất khó tìm được người mua do tính thanh khoản của thị trường bất động sản kém. Do
đó, các ngân hàng xử lý nợ xấu chậm hơn.
2. However, the sale of real estate collateral has encountered many difficulties although banks have
actively advertised on media and lowered prices. For example, Sacombank has to drastically reduce
the price of 19 apartments in the Xi Grand Court project from VND100.8 billion to VND79 billion.
These apartments were put for sale for the first time in July 2020, but after two years, Sacombank
could not sell any apartments and had to reduce prices sharply.
🡪 Tuy nhiên, mặc dù các ngân hàng đã tích cực quảng bá và giảm giá trên các phương tiện truyền
thông, việc bán các tài sản thế chấp bất động sản gặp nhiều khó khăn. Chẳng hạn, Sacombank phải
giảm mạnh giá 19 căn hộ thuộc dự án Grand Court Xi từ 100,8 tỷ đồng xuống 79 tỷ đồng. Các căn
hộ được bán lần đầu tiên vào tháng 7/2020, nhưng hai năm sau, Sacombank không thể bán bất kỳ
căn hộ nào và phải giảm giá đáng kể.
3. Banks have been also very enthusiastic about the handling of collateral assets and debt recovery.
They have continuously promoted the sale of NPLs’ collateral. Sacombank, for example, has
recently announced it will continue to auction 19 apartments of the Xi Grand Court project while
BIDV will also put for auction 1ha of land in Chon Thanh Industrial Park.
🡪 Các ngân hàng cũng rất tích cực trong việc xử lý tài sản thế chấp và thu hồi nợ. Họ đã liên tục đẩy
mạnh việc bán tài sản thế chấp cho các khoản vay xấu. Chẳng hạn, Sacombank vừa thông báo sẽ
tiếp tục bán đấu giá 19 căn hộ thuộc dự án Grand Court Xi, trong khi BIDV cũng sẽ bán đấu giá 1ha
đất tại Khu công nghiệp Chon Thanh.
4. Chia sẻ tại Diễn đàn Kinh tế Xã hội Việt Nam 2022, ông Francois Painchaud - Trưởng đại Diện
của IMF tại Việt Nam và Lào cho biết, năm 2022 đã chứng những diễn biến phức tạp, những cú sốc
kinh tế thế giới như lạm phát tăng cao toàn thế giới, các biện pháp thắt chặt tài chính, kỳ vọng thấp
về triển vọng kinh tế Trung Quốc và tình hình địa chính trị phức tạp tại Ukraine.
🡪 Stating inVietnam Econimic and Social Forum 2022, Mr Francois Painchaud IMF’s Head
representative in Vietnam and Laos confirmed that there had been complicated turbulances, world
economic shocks in terms of high inflation worldwide, tightening moneytary policies, low
expectation about China’s Economic outlook and complex politics in Ukraine in 2022.
5. Trên cơ sở đó, Trưởng đại diện của IMF nêu rõ, năm 2022, Việt Nam đã khôi phục kinh tế ấn
tượng, dự báo triển vọng tăng trưởng kinh tế của Việt Nam lên 7 % và đây là mức tăng trưởng tương
đối ấn tượng so với các nền kinh tế phát triển khác trong năm 2023.
🡪 On that basic, IMF’s Head representative clearly stated that Vietnam had restored its economy
dramatically, forecasting Vietnam’s economic growth outlook up to 7%. This is relatively
empressive growth rate compared to other developod economies in 2023.
The end
ĐỀ 03
The gains from growing pains

Alicia Clegg
The best start-up ideas are often the simplest. But entrepreneurs often need to experiment With
business models as their ventures grow. For young retail companies, one of the biggest challenges is
getting the right mix of outlets as they perfect their products. Christian Rucker, founder of The
White Company, which made pre tax profits of £2.2m the year before last, is a classic example.
While working as an editor at fashion magazine Harper’s, Ms Rucker spotted a gap in the market
for stylish white bed linen and accessories priced mid way between designer labels and mass-market
lines. After finding £20,000 from a local government grant and shares inherited from her
grandmother, she launched her business in 1994, initially through mail order. Last year, The White
Company made sales of £49.5m, up by almost £10m on the previous year.
“Offering choice is part of great customer service,” says Ms Rucker, whose company owns 14
shops, plus space in department stores and franchises in Dubai. “One channel feeds another.
Someone might see something in a store then place an order online. Customers will spend more
because you are making it easy for them.”
Having survived the early days the entrepreneur must find ways of sustaining growth in future,
without sacrificing the individuality that attracted their customers in the first place.
Ms Rucker, who aims for sales of £110m by 2011, believes the as solution is to improve quality.
“There comes a point when it's easy to drop the quality a little
and take a higher profit margin. But, as the quantity goes up, you can actually afford to buy
slightly better materials but keep the price [for cus tomers] the same.”
FINANCIAL TIMES
I. Complete this summary with the correct figures from the article
Mr. Rucker started her business in 1…1994.. with just 2…£20,000 ….the year before last, her profit
before tax was 3…£2.2m….And last year, turnover increased by 4… almost £10m …to reach 5…
£49.5m ….She has set a sales target of 6…£110m …..by 2011.
II. True or False

7. Young retail companies have problems finding the right place to sell their products. T
8. Ms Rucker works for a fashion magazine. T
9. She used a bank loan to set up her company. F
10. She believes that customers like choice. T
11. It is important to keep a product's unique features when a company expands. F
12. Ms Rucker says that quality can only be improved when a product is profitable. T
III. Match the words below with their meaning (a-c)
13 experiment a, shop
14 venture b, activity
15 outlet c, try new things
13-C, 14-B, 15-A
16. An LC is useful when …………………………………………………… is difficult to obtain.

A reliable credit B reliable credit C inreliable credit D unreliable credit
information about information about a information about a information about a
a foreign buyer foreign seller seller foreign buyer
17. I wonder ……………the tickets are on sales yet.

A. what B. when C. where D. whether
18. Someone………………there's been an accident on the motorway.

A. asked B. said C. spoke D. told
19. Remittance is …………………………

A. a method of transfer B. a method of payment C. type of account D. an account
20. My girlfriend always wants to get on her own. She doesn't like compromise. My friends say
she's a very……… negotiator.
A. weak B. formal C. informal D. strong
21. There are two………….to consider: first, outsourcing the cleaning and second, hiring a full time
cleaner.
A. method B. ways C. options D. models
22. Inflation rate is the speed at which…………….increases.
A. population B. pollution C. productivity D. price
23. One of the benefits of trading forex on the internet is …………
A. low transaction B. high transaction C. lower transaction D. higher transaction
costs costs costs costs
24. The basic systems and services, such as transport and power supplies, that a country or
organization uses in order to work effectively is called………………..
A. construction site B. infrastructure C. complex D. block
25. If you need to borrow more money from your bank, you can ask them to increase
your………………
A. overdraft level B. overdraft C. overdraft supplement D. overdraft supply
limit
B. TRANSLATION
1. According to a recent report by SSI analysts, this compulsory acquisition has positive long-term
implications for HDBank. Meanwhile, international investors received this news with excitement
and decided to increase their investment in HDBank.In the first half of the year HDBank continued
to maintain high growth in terms of both scale and quality, with profit before tax going up by 26.5
per cent over the same period last year to 54 per cent of the full-year target.
🡪 Theo một báo cáo gần đây của các nhà phân tích SSI, việc mua lại bắt buộc này có tác động tích
cực trong dài hạn đối với HDBank. Trong khi đó, các nhà đầu tư quốc tế rất phấn khởi khi nhận
được tin này và quyết định tăng đầu tư vào HDBank. Trong nửa đầu năm nay, HDBank tiếp tục duy
trì mức tăng trưởng cao về quy mô và chất lượng, lợi nhuận trước thuế tăng 26,5% so với cùng kỳ
năm ngoái và đạt 54% mục tiêu cả năm.
2. The local banking sector, currently undergoing drastic restructuring, will have more opportunities
to improve its financial capacity as well as learn modern business models and management from UK
partners after the UK-Vietnam Free Trade Agreement (UKEVFTA) takes effect, according to
banking insiders.
🡪 Ngành ngân hàng trong nước, hiện đang được tái cấu trúc mạnh mẽ, sẽ có nhiều cơ hội hơn để
nâng cao năng lực tài chính cũng như học hỏi các mô hình kinh doanh và quản lý hiện đại từ các đối
tác Vương quốc Anh sau khi Hiệp định Thương mại Tự do Anh - Việt Nam (UKEVFTA) có hiệu
lực, theo những người trong ngành ngân hàng.
3. Until 1 August 2025, UK financial institutions may solicitate the approval of Viet Nam’s
competent authority (State Bank of Vietnam) to buy shares in one joint-stock commercial bank of
Viet Nam, up to 49 per cent of that enterprise’s chartered capital, except for four commercial banks
of which the Government of Viet Nam currently holds the majority of equity.
🡪 Trước ngày 1 tháng 8 năm 2025, các tổ chức tài chính Anh có thể xin phép cơ quan có thẩm
quyền của Việt Nam (Ngân hàng Nhà nước Việt Nam) để mua cổ phần của một ngân hàng thương
mại cổ phần tại Việt Nam với tối đa 49% vốn điều lệ của doanh nghiệp đó, ngoại trừ bốn ngân hàng
thương mại mà Chính phủ Việt Nam hiện đang nắm giữ phần lớn cổ phần.
4. Cũng tại Hội nghị về công tác điều hành tín dụng tuần qua, Thống đốc Nguyễn Thị Hồng cho biết
đã có sự đồng thuận trong đánh giá về bối cảnh kinh tế có nhiều khó khăn, hệ thống ngân hàng chịu
nhiều áp lực. Các ý kiến tại Hội nghị đều đánh giá công cụ kiểm soát tín dụng là một công cụ hữu
ích, phù hợp với điều kiện Việt Nam.
🡪 During the last-week conference on credit management, the bank’s Governer Nguyen Thi Hong
stated that there was agreement the economic contex with a lot of difficulties, under-pressure
banking system. The opinions in the conference evaluated that the credit control tool is useful,
suitable for Vietnam’s condition.
5. Theo số liệu của Ngân hàng Nhà nước (NHNN), tính đến ngày 26/8, tín dụng đã tăng 9,91% so
với cuối năm ngoái, đây là mức tăng cao nhất trong 5 năm qua và cao hơn nhiều so với mức tăng
7,9% của thời gian 8 tháng đầu năm 2021. Ngày 7/9 vừa qua, NHNN thông báo đã cấp thêm hạn
mức tăng trưởng tín dụng cho một số ngân hàng thương mại.
🡪 According to the data of the State Bank, up to the 26 of August, credit has increased 9.91%
compared to last year. This is the highest growth in the past 5 years and quite higher compared to
7.9% increase rate of the first 8 months of 2021. On the seventh of September, the State Bank
announced to grant the credit growth limits for some commercial banks.
The end
ĐỀ 04
I. Fill in the blank with a suitable preposition.
Thanks to the increasing use of computers (1) ……in…. banking field, the clearing system has
really developed in respond to meet money transfer (2) ……from…. one bank's account to
another bank's account (3)…by… putting all the deta'ls of the transaction (4)…into…. a magnetic
tape which can be read by computers. BACS, a company (5)…with….a computers centre in
Edgware. Middlesex, is used by banks to make the clearing system simpler and mare convenient
and to reduce the paperwork related to money transfer. To take part in BACS system, banks and
big companies must have magnetic tapes (6) …in.. which the details (7)…of…. transaction are
kept. The magnetic tapes, then. are sent to BACS or the information may be transmitted directly
to BACS (8)…via(through)…. BACSTEL. At BACS, the information is read and the input
information is automatically sorted according to tanks and branches. This data is, then, put into
other tapes to be sent to correct ban These tapes appear (9)…on… each bank's computer system
which gets the detailed statement (10)…banks…. The clearings related to its own bank account.
BACS system is also useful for standing orders and direct debits.
II. Choose one suitable word from the following list to fill in each blank
not risk current have currency
expiration call gives options financial
An option contract is a contract that (11)…gives…..its owner a right- but not an obligation- to sell or
buy an item at a prespecified price, called the strike price, until the option expires. Options trade in
options markets and, like futures, provide a way for individuals to reduce the financial (12)…risk..
of fluctuations in asset prices. Unlike with futures contracts, however, the buyer of an option
contract does (13)…not..have to exercise the option: that is , he or she need not buy the asset. (14)
…options..are bought and sold at an options price, which is distinct from the price of the underlying
financial asset. Options are traded for major stocks, debt instruments, foreign (15)…currency…..
III. Choose A, B, C or D which would be best

16. ………………….is a market in which there is little or no competition for a particular type of
product or service, for which there is limited demand.
A small market B mass market C declining market D smallest market
17. The capital account, includes an economy’s transactions with nonresidents in

…………………… and in capital transfers.
A. produced, B. nonproduced, C. nonproduced, D. productive,
nonfinancial assets financial assets nonfinancial assets nonfinancial assets
18. ………………………the end of the film, we cried a lot.

A. In B. With C. On D. At
19. After the accident, he lost his…………….. for the sport.

A. feeling B. thought C. enthusiasm D. mind
20. They are black market …………………

A. profitable B. profit C. profiteers D. nonprofit
21. Someone ……………….your glasses if you leave them there.
A. is stealing B. would steal C. will steal D. stole
22. In the long term ……….is due to increase in the price of raw materials. This is the situation
where prices rise to keep up with increased production cost.
A. devaluation B. inflation C. recession D. crisis
23. In a accordance with our usual terms, payment will be by …………This is a letter from a bank
authorizing payment of a certain sum to a person or a company.
A. cheque B. banker’s draft C. letter of credit D. cash on delivery
24. We enclose our……….., which is a formal request for payment

A. receipt B. quotation C. commercial D. bill of lading
invoice
25. The industry and construction ………..is facing difficulties due to low efficiency and
competitiveness..
A. set B. sector C. section D. part
B. TRANSLATION
1. Nam A Bank said that in 2022 it will continue to focus on increasing investment and applying
technology, creating new steps in digital transformation, and continue to perfect the digital banking
ecosystem: Robot OPBA, Open Banking and ONEBANK, meeting the needs of transactions
anytime, anywhere.
🡪 Ngân hàng Nam A cho biết, năm 2022 sẽ tiếp tục tập trung tăng cường đầu tư và ứng dụng công
nghệ, tạo bước tiến mới trong chuyển đổi kỹ thuật số và tiếp tục hoàn thiện hệ sinh thái ngân hàng
kỹ thuật số: Robot OPBA, Ngân hàng mở và ONEBANK để đáp ứng nhu cầu giao dịch mọi lúc,
mọi nơi.
2. However, to solve the above problems, banks have to invest up to tens of trillions of dong per
year for digital transformation. Vinh said SHB has invested a lot of resources and budget to upgrade
Core Banking (core bank), upgrade cards, deploy investment banking, loan origination solutions
(LOS), deploy Omni Channel systems and related information technology systems and apply the
most modern solutions.
🡪 Tuy nhiên, để giải quyết những vấn đề trên, các ngân hàng phải đầu tư tới hàng nghìn tỷ đồng mỗi
năm để chuyển đổi số. Ông Vinh cho biết SHB đã dành nguồn lực và ngân sách đáng kể để nâng cấp
các ngân hàng cốt lõi (Core Bank), nâng cấp thẻ, triển khai các ngân hàng đầu tư, giải pháp cho vay
(LOS), triển khai hệ thống đa kênh và các hệ thống công nghệ thông tin liên quan và áp dụng các
giải pháp hiện đại nhất.
3. Through credit packages with preferential interest rates, and products and services customised to
each customer group’s needs, banks focus on helping enterprises access capital to restore production
and business. In May the Government issued Decree 31/2022/ND-CP on interest rate subsidies for
loans given to enterprises, co-operatives and business households.
🡪 Thông qua việc cung cấp các gói tín dụng với lãi suất ưu đãi, cũng như các sản phẩm, dịch vụ phù
hợp với nhu cầu của từng nhóm khách hàng, các ngân hàng tập trung vào việc giúp doanh nghiệp
tiếp cận vốn để phục hồi sản xuất kinh doanh. Tháng 5 vừa qua, Chính phủ đã ban hành Nghị định
31/2022/NĐ-CP về trợ cấp lãi suất cho các khoản vay cấp cho doanh nghiệp, hợp tác xã và hộ gia
đình doanh nghiệp.
4. Trước VnDirect, nhiều tổ chức phân tích khác cũng đưa ra ước tính về lượng room tín dụng được
nới trong đợt vừa qua với quy mô chỉ vào khoảng 175.000 – 200.000 tỷ đồng. Đồng với, các đơn vị
này cũng dự báo NHNN sẽ có thêm đợt nới thêm room tín dụng cho các ngân hàng thương mại
trong thời gian tới.
🡪 Before VnDirect, many analytical organizations also estimated the credit amount expanded with
the scale of about 175,000-200,000 billion VND. At the same time, these organizations forecasted
that the State Bank is going to perform/carry out credit extensiong for commercial banks in the near
future as well.
5. Còn theo Bộ phận Phân tích Chứng khoán SSI, trong đợt điều chỉnh vừa qua, mức tăng trưởng tín
dụng của toàn hệ thống ước tính sẽ tăng thêm khoảng 2%, thấp hơn so với các kỳ vọng của thành
viên trên thị trường. Do đó, dư địa để NHNN sẽ có thêm một đợt điều chỉnh vào cuối năm nay vẫn
còn.
🡪 According to the Department of Securities Analysis, the credit growth rate of the whole system is
expected to increase go up by 2% in the recent last adjustment, lower than the market’s member
expectation the expectation of the market’s members. Therefore, the State Blank still fms remaining
space For another adjustment at the end of me year.
The end
ĐỀ 05
In recent years, lending as'ccjated bank credit cards has been the fastest growth area in consumer
lending. Bank credit cards first became popular nearly 30 years ago. At that time, individual banks
issued the cards to their existing eugtomers and recruited local retailers who agreed to accept them
from the customers. Participating retailers daily presented the bank with sales vouchers signed by
their card-using customers, The retailers' bank accounts then received immediate credit. less the
bank's discount.
This service provided benefits to all three parties: issuing bank, cardholder and retailer. The bank
fee derived from discounting retailers' sales vouchers and charged interest on cardholder riding
balances. Cardholders enjoyed unquestionable credit from participating retailers, avoided the burden
of carrying cash for large purchases, were not worried about uncertain acceptance of written checks.
Retailers expanded their sales appeal to a growing pool of cardholders.
However, the local bank credit card had serious drawbacks. The card's usefulness was restricted
to a participating retailers in the card banks' market areas. Also, there wag strong competition
among local banks that issued credit cards. These drawbacks were overcome in the late 1960s when
two national credit card authorities emerged to replace the local bank cards.
I. Find the words/phrases in the passage having the same meaning as the follows.
1. A note on which the retailer write down the details of the voucher
sale such as date, cardholder's name, the amount and etc.
2. current (present) at a time. existing
3. minus (subtracted) less
4. very bad points drawbacks
5. with no doubt (certain) unquestionable
6) T
7) F
8) F
9) T
10) F
11) Existing customers
12) Present sale vouchers to the bank
13) After the voucher is sent to the bank
14) Bank collected fee and charged interest on the outstandings
15) It solved the drawbacks of local bank credit cards
A. produced, B. nonproduced, C. nonproduced, D. productive, nonfinancial assets
nonfinancial assets financial assets nonfinancial
assets
18. ………………………the end of the film, we cried a lot. (trùng 33)

A. In B. With C. On D.
At
19. After the accident, he lost his…………….. for the sport. (trùng 34)

21. We want people to feel comfortable and relaxed during a negotiation because a(n) ……
atmosphere is very important.
A. formal B. informal C. sympathetic D. enthusiastic
22. The loan is…………….in monthly installments.

A. pay B. pays C. paid D. paying
23. One of the roles of the commercial bank is to…………...

A not act as a storehouse of the country or region’s wealth
B act as a storehouse of the country or region’s wealth
C will not act as a storehouse of the country or region’s wealth
D be never act as a storehouse of the country or region’s wealth
24. It' s important to…………………….between business and pleasure.

A. think B. see C. distinguish D. divide
25. Banking experts in developed countries defines a commercial bank as a ……………..
A.oriented financial B.profit-oriented C.nonprofit-oriented D.unprofit-oriented

institution. financial institution. financial institution financial institution
B. TRANSLATION
1) According to experts, the bank's digital transformation journey consists of three steps. The first is
digitisation - converting the traditional process to a digital one; the next is digital transformation -
digitising each part of business, enhancing customer experience; the last is ultimately digital
reinvention - combining technology and digital platforms to generate revenue and results through
innovative strategies, products and services.
🡪 Theo các chuyên gia, hành trình chuyển đổi kỹ thuật số của ngân hàng bao gồm ba bước. Đầu tiên
là kỹ thuật số - chuyển đổi các quy trình truyền thống sang kỹ thuật số; Tiếp theo là chuyển đổi kỹ
thuật số - số hóa tất cả các bộ phận của doanh nghiệp và nâng cao trải nghiệm của khách hàng; Cuối
cùng là tái phát minh kỹ thuật số cuối cùng và kết hợp công nghệ và nền tảng kỹ thuật số để tạo ra
doanh thu và kết quả thông qua các chiến lược, sản phẩm và dịch vụ sáng tạo.
2)UK-based HSBC opened a full-service branch in HCM City and has taken the lead in
implementing digital penetration and new technology solutions which are key focus areas at the
bank for both retail as well as corporate customers, according to an HSBC report.
🡪 HSBC có trụ sở tại Anh đã mở một chi nhánh đầy đủ dịch vụ tại Thành phố Hồ Chí Minh và đi
tiên phong trong việc triển khai thâm nhập kỹ thuật số và các giải pháp công nghệ mới, một lĩnh vực
trọng tâm cho khách hàng bán lẻ và doanh nghiệp của ngân hàng, theo báo cáo của HSBC.
3) “We are very proud to be the first international bank and the fifth market in the world for HSBC
to launch this innovative solution in Viet Nam. This ambitious, holistic and digitalised solution has
proved that banks and Fintech companies can flourish in partnership and will help boost digital
payments as per the Government of Viet Nam’s strategy to encourage cashless transactions,” said
Hanh Nguyen, Country Head of Global Liquidity and Cash Management, HSBC Vietnam.
🡪 “Chúng tôi rất tự hào là ngân hàng quốc tế đầu tiên và là thị trường thứ năm trên thế giới để
HSBC triển khai giải pháp sáng tạo này tại Việt Nam. Giải pháp đầy tham vọng, toàn diện và số hóa
này đã chứng minh rằng các ngân hàng và công ty Fintech có thể hợp tác phát triển và sẽ giúp thúc
đẩy thanh toán kỹ thuật số theo chiến lược của Chính phủ Việt Nam nhằm khuyến khích giao dịch
không dùng tiền mặt,” bà Hạnh Nguyễn, Giám đốc Quốc gia Thanh khoản và Quản lý Tiền mặt
Toàn cầu cho biết. , HSBC Việt Nam.
4) Chứng khoán VnDirect ước tính mức nới room trên đồng nghĩa có khoảng 279.000 tỷ đồng vốn
tín dụng sẽ được bổ sung cho nền kinh tế trong 4 tháng tới, tương đương với tăng trưởng tín dụng
thêm khoảng 2,7%.
🡪 The Securities VnDirect estimates the above expansion means that About 279,000 billion VND of
the credit capital will be added to the economy in the next four months, equal to additional credit
growth of about 2.7%.
5) Mặt khác, VnDirect nhận thấy đà giảm của giá hàng hóa thế giới và lạm phát trong nước được
kiểm soát tốt là điều kiện cho phép NHNN tiếp tục trì hoãn việc tăng lãi suất điều hành trong năm
nay. Bên cạnh đó, Chính phủ cũng đã quyết liệt sử dụng chính sách tài khóa để san sẻ gánh nặng với
chính sách tiền tệ trong mục tiêu quan trọng là kiềm chế lạm phát thông qua việc giảm thuế, phí đối
với một số mặt hàng thiết yếu (điển hình là xăng dầu).
🡪 Besides, VnDirect stated that declining tendency of the world's commodity prices and well-
control measures for domestic inflation are the favourable conditions that enable the State Bank to
continue postponing the increase of operating interest rate this year. The Government also actively
used fiscal policies to share the burden with moneytary oncs for completing the major/important
aims/targets/goals to curbe/decrease/reduce/prevent inflation by/via/through reducing taxes, fees for
some essential commodities. (Petrol is a typical example).
ĐỀ 06
The rapid development of factwing in recent years has proved its importance to all parties (factor,
supplier and buyer) involved, especially to the suppliers, who have to supply goods on credit
because of the tough competition - an inevitability in the free market.
Factoring enables the suppliers to raise money from the unpaid invoices, solving the shortage of
capital for their further oroduction. Another advantage is that they do not have to employ extra staff
to collect payments from their customers and pay interest on the money used by their customers.
Moreover, the suppliers can take advantage of factoring services to regulate their cash flow position.
that is to avoid the negative cash now position by agreeing with a factoring company (usually a
bank) the date they pay money for the unpaid invoices. The suppliers can then, use this money to
settle some fixed payments such as salary and wage payments to employees, business taxes,
insurance premiums and other fixed debts.
However, the factors would provide factoring services for the suppliers only if they were able to
assess the risk of the customers given credit. They need to assess the debtor's credit status and
creditworthiness before they decide to purchase the suppliers accounts receivable. The information
on credit rating is hard to come by in Vietnam at present. The credit bureaus of banks are not
modern enough and do not have the sufficient credit information on necessary customers. It is the
main reason why the etnamese banks have not provided factoring services.
I. Read the passage and fill in the gaps with words/phrases from the above text.
1. It is very tough finding a good job these days.
2. The train was inevitably delayed by the accident.
3. She has taken advantage of my generosity.
4. The amount of money I have to pay for insurance every month is insurance premiums.
5. Sometimes, banks provide finance against a/cs receivable (or unpaid invoices)
II. Answer the following questions
6. How many advantages of factoring to the suppliers according to the text?
🡪 Three
7. How can the suppliers use factoring to regulate their cash flow position?
🡪 Agree with the factor to the date on which he will get paid money for the invoices, use this money
to settle some fixed payments.
8. When does a factoring service become feasible?
🡪 Were able to assess the buyer’s risk.
9. Why is factoring not available in Vietnam?
🡪 The information on credit rating is hard to come by
III. Read the passage. Decide if the following statements are true or false. Write T for TRUE
and F for False
10- T Factoring is advantageous to not only supplier, but factor and buyer as well.
11- F Suppliers have to sell on credit due to the shortage of capital.
12- F It costs the suppliers nothing if their customers delay the payment or do not pay.
13- T Obtaining money from the unpaid invoices will solve the shortage of capital for
the supplier.
14- T Factoring has not been popular in Vietnam because it is very difficult for banks
to carry out the credit management.
15- F The factors do not need to evaluate the debtor's credit status before deciding to
transact the supplier's account receivable.
16. He can ……………a lot of money from this investment.
A earns B earn C earning D earned
17. The foreign exchange market plays an/a …………………….part in the market economy.
A. unnecessary B. indispensable C. unimportant D. needed
18. To fight against poverty, we need to find…………… to serious unemployment problems.

A. solutions B. methods C. ways D. alternatives
19. We can choose either ABB Bank or VP Bank because both have excellent reputation in
……………………service.
A. legal B. financial C. construction D. insurance

A. The exporter B. The importer C. The exporter and D. The exporter
faces significant risk faces significant importer face doesnot face
of non-payment risk of non- significant risk of significant risk of
unless proper risk payment unless non-payment unless non-payment unless
mitigation measures proper risk proper risk proper risk
are used. mitigation mitigation measures mitigation measures
measures are used. are used. are used.
21. The Prime Minister is to meet his European……………to discuss the war against drugs.
A. friends B. counterparts C. enemies D. neighbours
22. Current account includes …………………………………………

A. trade balance, B. trade balance, C. goods, services, D. services, incomes
goods, services, and goods, services, incomes and current and current transfers
current transfers incomes and transfers
current transfers
23. He's got a job………..kitchen equipment in a department store. He explains customers how to
use the equipment.
A. demonstrating B. delivering C. maintaining D. installing
24. Our work is hard, but high salary and big bonus may prove sufficient………….
A. responsibility B. compensation C. toughness D. consistency

B. TRANSLATION
1. The bank meanwhile continues to provide credit and other products and services to customers in
line with its business strategy and growth targets.It is also taking a number of measures to support
other groups of customers and mitigate their difficulties.For instance, it is disbursing a VND10
trillion ($423.48 million) loan package for workers at half the market interest rate through its
finance company HD SAISON.
🡪 Trong khi đó, ngân hàng tiếp tục cung cấp tín dụng và các sản phẩm dịch vụ khác cho khách hàng
phù hợp với chiến lược kinh doanh và mục tiêu tăng trưởng, đồng thời thực hiện một số biện pháp
để hỗ trợ các nhóm khách hàng khác và giảm thiểu khó khăn cho họ. Gói vay 10 nghìn tỷ đồng
(423,48 triệu USD) dành cho công nhân với lãi suất chỉ bằng một nửa thị trường thông qua công ty
tài chính HD SAISON.
2. Moody's has upgraded the long-term local (LC) and foreign currency (FC) deposit and issuer
ratings of eight banks by one notch (Vietcombank, BIDV, OCB, SeABank, TPBank, Agribank, VIB
and VietinBank) and the LC and FC Counterparty Risk Ratings and Counterparty Risk Assessment
of seven banks by one notch (BIDV, Agribank, VietinBank, ABBank, LienVietPostBank, SHB and
MSB).
🡪 Moody's đã nâng xếp hạng nhà phát hành và tiền gửi nội tệ (LC) và ngoại tệ (FC) dài hạn của tám
ngân hàng lên một bậc (Vietcombank, BIDV, OCB, SeABank, TPBank, Agribank, VIB và
VietinBank) và Đối tác LC và FC Xếp hạng rủi ro và Đánh giá rủi ro đối tác của bảy ngân hàng theo
một bậc (BIDV, Agribank, VietinBank, ABBank, LienVietPostBank, SHB và MSB).
3. Amid the complex international situation leading to over 30 rating downgrades globally over the
past eight months, Viet Nam is the only country in the Asia-Pacific and one of the four in the world
to record a rating upgrade by Moody's since the beginning of 2022. The Ministry of Finance said the
upgrade of Viet Nam’s sovereign rating to Ba2 shows the Moody’s recognition of the country’s
increasing economic strength and better resilience to external macroeconomic shocks compared to
others with the same rating.
🡪 Trong 8 tháng qua, tình hình quốc tế phức tạp đã dẫn đến hơn 30 lần hạ xếp hạng trên toàn thế
giới, Việt Nam là quốc gia duy nhất trong khu vực châu Á - Thái Bình Dương và là một trong 4
quốc gia được Moody's nâng xếp hạng kể từ đầu năm 2022. Việc nâng xếp hạng chủ quyền của Việt
Nam lên Ba2 cho thấy Moody's nhận ra sức mạnh kinh tế ngày càng tăng của đất nước và khả năng
chống chọi tốt hơn với các cú sốc kinh tế vĩ mô bên ngoài so với các quốc gia khác có cùng xếp
hạng, Bộ Tài chính cho biết.
4. Theo Chứng khoán ACB, hạn mức tăng trưởng tín dụng toàn ngành vừa được nới khoảng 2%,
tương đương với 200.000 tỷ đồng. ACBS phân tích, tăng trưởng tín dụng đến cuối tháng 8 là 9,9%,
nên để đạt được mục tiêu tăng trưởng tín dụng 14% hàng năm, sẽ cần một đợt điều chỉnh hạn mức
khác trước khi kết thúc năm 2022.
🡪 According to ABC Securities, the credit growth limit of the whole industry has just been
expanded about by 2%, equal to 200,000 billion VND.I ABC Securities analyzed that the credit
growth up to August will be 9.9%; therefore, the State Bank needs another credit limit adjustment
by the end of 2022 to/in order to achieve/obtain/reach the annual goal/target of 14 – percent credit
growth of 14-percent credit growth annually.
5. Cụ thể, Ngân hàng TMCP Công thương Việt Nam - VietinBank (HoSE: CTG ) chi nhánh Nam
Thăng Long thông báo về việc có nhu cầu bán toàn bộ khoản nợ bao gồm cả gốc, lãi và phí của
Công ty TNHH Trường Minh để xử lý thu hồi nợ vay. Theo đó, tính đến 19/9, tổng dư nợ của Công
ty TNHH Trường Minh là hơn 117,7 tỷ đồng. Trong đó, nợ gốc là hơn 85,2 tỷ đồng, còn lại là dư nợ
lãi, lãi phạt.
🡪 Specially, Vietin Bank – Vietnam Joint Stock Commercial Bank, Nam Thanh Long branch
announced/informed (about the need) to sell total debts including Principal/original debt, interest
and fee of Truong Minh Limited Company to deal With/solve/handle the loan recovery. According
to this bank/this information source, the Total debts/loans of Truong Minh Limited Company was
over 117.7 billion VND by the Nineteenth of September. Among these debts, principal debt was
over 85.2 billion VND, While the remaining ones/debts were interest balance and penalty interest
ĐỀ 07
The bank of England is the central bank of the UK. For historical reasons, it is divided into Issue and
Banking Department, each with separate balance sheets.
The Issue Department is responsible for issuing banknotes, shown as liabilities. To introduce notes
into circulation, the Issue Department purchases financial securities: bills and bonds issued by the
government, commercial firms, or local authorities. These are shown as assets of the Issue
Department. The exchange of high powered money for financial securities is called an open market
operation.
The Banking Department acts as banker to the commercial banks and to the government Public
deposits and bankers’ deposits are deposits by government and commercial banking system.
Reserves and other accounts are deposits by central banks of other countries, by domestic local
authorities, and by nationalized industries.
Assets are government securities (loans to the government) and advances. Advances are loans to the
banks. Other assets include physical capital, buildings and equipment, and securities issued by
private firms or local authorities.
In practice, the activities of the Issue Department and the Banking Department are carefully
coordinated. Although much of The Bank’s balance sheet resembles the one of a commercial bank,
there is one crucial difference. There is no possibility that the Bank can go bankrupt. The unique
feature of the central bank’s liabilities is that it can create them in unlimited qualities without fear of
bankruptcy. This was not always so. In the days of the gold standard, notes could be cashed in for
gold and the central bank might not have had sufficient gold to pay. Nowadays there is no such
obligation. The Bank can always meet withdrawals by its depositors by printing new banknotes.
I. Find word/phrase in the text to fill in the blanks, changing its form if necessary
1. A balance sheet consists of assets and liabilities.

2. Bills and bonds issued by the government, commercial firms, or local authorities are financial
securities.
3. Financial securities issued by the government, commercial firms, or local authorities are shown as
assets of the issue department Department
4. ‘in theory’ is the opposite of in practice.
5. We need to coordinate with each other carefully to enhance the business.
6. Our business situation resembles that of Hoa Mai company (similar to)
7. That too many customers ran to withdraw money from the bank some days ago made it go
bankrupt.
8. In the days og the gold standard money is completely guaranteed by gold.
II. Answer the questions
9. What is the name of the central bank in England?

🡪 The bank of England.
10. How many departments does The Bank of England have?
🡪 Two
11. What are the functions of the Issue Department?
🡪 It is responsible for issuing banknotes.
12. What forms the liabilities of the Issue Department?
🡪 Bank notes.
13. What is the crucial difference in the balance sheet between The Bank and a commercial bank?
🡪 There is no possibility that the Bank can go bankrupt.
14. Why can not The Bank go bankrupt?
🡪 Because it can create them in unlimited qualities without fear of bankruotcy.
15. Can the bank meet withdrawals?
🡪 Behalf
16. He can ……………a lot of money from this investment.

A earns B earn C earning D earned
17. The foreign exchange market plays an/a …………………….part in the market economy.
A. unnecessary B. indispensable C. unimportant D. needed
18. To fight against poverty, we need to find…………… to serious unemployment problems.

A. solutions B. methods C. ways D. alternatives
19. We can choose either ABB Bank or VP Bank because both have excellent reputation in
……………………service.
A. legal B. financial C. construction D. insurance

A. The exporter B. The importer C. The exporter and D. The exporter
faces significant faces significant risk importer face doesnot face
risk of non- of non-payment significant risk of significant risk of
payment unless unless proper risk non-payment unless non-payment unless
proper risk mitigation measures proper risk proper risk
mitigation are used. mitigation measures mitigation measures
measures are used. are used. are used.
21. There has been a wild…………….. in dollars in some past days.

A fluctuating B fluctuation C will fluctuate D fluctuate
22. I didn’t have much time yesterday so I only……………..the web to get main information
A browsed B searched C browsing D downloaded
23. The cost of housing, ............. mortgage interest payments has more than doubled from 9% to
20%.
A included B include C not include D including
24. Flight VN 89 is leaving from ………………………..15

A gate B stop C platform D station
25. You must supply documents……accordance…..the terms specified in the contract.

A in/with B with/with C in/of D in/in
B. TRANSLATION
1. The State Bank will continue to adjust credit growth in accordance with Directive No 01/CT-
NHNN dated January 13, 2022 on organising the implementation of key tasks in the banking sector.
In 2022, the central bank has created favourable conditions for people and businesses to access
credit, and support the country’s economic recovery.
🡪 Ngân hàng Nhà nước sẽ tiếp tục điều chỉnh tăng trưởng tín dụng theo Chỉ thị số 01/CT-NHNN
ngày 13/01/2022 về tổ chức thực hiện các nhiệm vụ trọng tâm ngành ngân hàng. Năm 2022, NHNN
tạo mọi điều kiện thuận lợi để người dân, doanh nghiệp tiếp cận tín dụng, hỗ trợ phục hồi kinh tế đất
nước.
2. Since the beginning of this year, global inflation has increased rapidly due to the escalation of
prices of many goods and raw materials caused by the Russia-Ukraine conflict and the disruption of
the global supply chains. High inflation pressure has affected daily life and macroeconomic stability
in many countries. As a result, most central banks globally have taken strong measures to tighten
monetary policy and raise interest rates to control inflation.
🡪 Lạm phát toàn cầu đã tăng nhanh kể từ đầu năm nay do xung đột Nga-Ukraine và gián đoạn chuỗi
cung ứng toàn cầu khiến giá nhiều hàng hóa và nguyên liệu thô tăng cao. Áp lực lạm phát cao ảnh
hưởng đến cuộc sống hàng ngày và ổn định kinh tế vĩ mô ở nhiều quốc gia. Do đó, hầu hết các ngân
hàng trung ương trên thế giới đã thực hiện các biện pháp mạnh mẽ để thắt chặt chính sách tiền tệ và
tăng lãi suất để kiểm soát lạm phát.
3. In order to obtain the country’s GDP growth target of between 6-6.5 per cent and an average
inflation rate of 4 per cent set by the National Assembly and the Government, the SBV has
continued to regulate monetary policies actively, flexibly and strictly cooperate with fiscal policies
and other macroeconomic policies to control average inflation at about 4 per cent according to
objectives in 2022
🡪 Để đạt được mục tiêu tăng trưởng GDP từ 6% đến 6,5% và lạm phát trung bình 4% do Quốc hội
và Chính phủ đề ra, NHNN tiếp tục tích cực điều tiết chính sách tiền tệ, Phối hợp linh hoạt và chặt
chẽ với chính sách tài khóa và các chính sách kinh tế vĩ mô khác theo mục tiêu đến năm 2022, giữ
lạm phát trung bình khoảng 4%.
4. Vào tuần trước, VietinBank chi nhánh Tuyên Quang cũng đã thông báo bán đấu giá tài sản của
Công ty TNHH Vĩnh Hóa (Công ty Vĩnh Hóa). Tài sản đấu giá gồm toàn bộ tài sản gắn liền với đất
là toàn bộ các hạng mục công trình của Dự án nhà máy gạch Tuynel Tân Bắc, công suất 75 triệu
viên/năm được xây dựng tại thôn Nậm Sú, xã Tân Bắc, huyện Quang Bình, tỉnh Hà Giang.
🡪 Last week, VietinBank Tuyen Quang branch also announced the auction of assets of Vinh Hoa
Co., Ltd (Vinh Hoa Company). The auctioned asset includes all assets attached to the land, which
are all work items of the Tan Bac Tuynel brick factory project, with a capacity of 75 million
bricks/year, built in Nam Su village, Tan Bac commune. Quang Binh district, Ha Giang province.
5. Giá khởi điểm đấu giá ngân hàng đưa ra là 70,6 tỷ đồng, người tham gia đấu giá cần đặt cọc trước
10 tỷ đồng. Tài sản dự kiến được đấu giá tại Trung tâm dịch vụ đấu giá tài sản TP Tuyên Quang,
tỉnh Tuyên Quang . Thời gian tiếp nhận hồ sơ tham gia đấu giá từ ngày 8/9 đến ngày 3/10.
🡪 The starting price offered by the bank is 70.6 billion VND, auction participants need to deposit 10
billion VND in advance. The property is expected to be auctioned at the Property Auction Service
Center in Tuyen Quang City, Tuyen Quang Province. The time to receive bids for participation in
the auction is from September 8 to October 3.
ĐỀ 08

A rate of exchange is the rate at which banks sell or buy one currency in exchange for another. The
popular press frequently gives news of rate of exchange between the pound (sterling) and the US
dollar. A rate of $1.54 to £1, for example, may be quoted as the closing rate on a particular day. This
would be a middle rate between the rate at which banks are selling US dollars in exchange for
sterling and the rate at which banks are buying dollars for Sterling, but it gives a rough indication to
the public of how many dollars can be bought for £1 or how many dollars are needed to buy £1. The
banks’ selling rate for a currency will always be lower than their buying rate and you will have to
make a clear distinction between the two.
You are also probably aware that rates of exchange fluctuate so that one currency weakens and the
second currency strengthens in relation to each other. Fluctuating exchange rates presents a serious
business risk to overseas traders and its management is an important aspect of foreign exchange
dealings. Exchange rates fluctuate continuously whenever they are allowed to respond to the
pleasures of supply and demand in the foreign exchange markets. Nowadays, exchanges rate
between all the world’s major currencies are allowed to fluctuate in the market, at least within
certain limits.
There are a number of factors which contribute towards fluctuation in exchange rates, but all of the
factors are associated with supply and demand. Fluctuations in exchange rates are caused by an
excess of supply over demand, or vice versa. For example, if demand to buy US dollars and sell
Sterling exceeds the counterbalancing demand to buy Sterling and sell US dollars, Sterling will lose
value against the US dollar. (here demand for buying and selling refers to demand of customers not
dealers because when a customer buys, a dealer sells.
I. Find words/phrases in the text which means:
1. the rate quoted at the end of business day closingrate

2. popular newspapers, magazines popular press
3. average ration between selling and buying prices middle rate
4. not exact indication rough indication
5. difference distinction
6. the movement of a currency depends on supply and demand
7. a feature aspect
8. USD, FRF, GBP, JPY...are major currencies
9. result from be caused by
10. be over exceed
II. Read the passages. Decide if the following statements are true or false. Write T for TRUE
and F for False
11. From middle rate, customers can know the buying price of a currency. F
12. Closing rate is the same as Middle rate. T
13. The banks in England always buy high and sell low. T
14. Nowadays all currencies in the world are allowed to fluctuate. F
15. The fluctuation of a currency depends on only supply of and demand for that currency. T
16. I just want to make sure everything so please phone them and……….. my flight details.
A find B test C confirm D examine
17. All trains to the city centre leave from………….5.
A gate B platform C station D railway
18. Is the flight……………………or is there a stopover in Rome?

A straight B line C ahead D direct
19. Which of the following verbs doesn’t go with “a reservation ”?

A to make B to change C to do D to confirm
20. Sometimes, I go by bus. That…………………..me about 20 minutes.

A takes B spends C costs D loses
21.Thank you, I have passed the exam. Without your help I ………...
A. would have failed B. failed C. would fail D. had failed
22. ……………..is the most popular bank account.

A. deposit account B. savings account C. current account D. L/C
23. A current account holder can withdraw money from his account………
A. whenever he wants B. at maturity C. after he sends a D. twice a month
notice
24. A deposit account owner is given a ………….

A. cheque book B. passbook C.cash card D. bill of lading
25. Before withdrawing money from a deposit account, the holder needs to send….
A. his passbook B. a notice C. his cheque book D. L/C
B. TRANSLATION
I. Vietnamese-English translation
1) Từ đầu năm, tình hình kinh tế thế giới đang có nhiều dấu hiệu bất ổn, như việc lạm phát trên toàn
cầu liên tục leo thang, các căng thẳng địa chính trị tại khu vực châu Âu, tình hình dịch bệnh vẫn
chưa hoàn toàn được giải quyết.Trong bối cảnh đó, các cơ quan điều hành đã phải có những biện
pháp điều hành chặt chẽ hơn đối với thị trường tài chính ngay từ đầu năm.
🡪 Since the beginning of the year, the world economic situation has shown many signs of
instability, such as the continuous escalation of global inflation, geopolitical tensions in the
European region, the epidemic situation has not been completely resolved. In that context, the
governing bodies had to take stricter measures to regulate the financial market from the beginning of
the year.
2) Bên cạnh đó, thời gian vừa qua đã ghi nhận sự tăng trưởng nhanh ở dòng vốn vào hoạt động kinh
doanh mạo hiểm. Trong khi đó, từ đầu năm nay, nền kinh tế bắt đầu ghi nhận những dấu hiệu phục
hồi sau dịch. Theo các chuyên gia, việc này sẽ khiến cho nhu cầu vốn của có phần cao hơn so với
mọi năm. Thực tế, các báo cáo của Ngân hàng Nhà nước (NHNN) cũng cho thấy điều này, khi mà
chỉ trong 8 tháng đầu năm tín dụng đã tăng 9,91% so với cùng kỳ năm trước.
🡪 In addition, the recent time has recorded a rapid growth in capital inflows into venture business.
Meanwhile, from the beginning of this year, the economy began to show signs of recovery after the
epidemic. According to experts, this will make your capital needs somewhat higher than every year.
In fact, the reports of the State Bank (SBV) also show this, when in the first 8 months of the year
credit increased by 9.91% over the same period last year.
3) Vì vai trò quan trọng của nguồn vốn tín dụng và đảm bảo cho phục hồi cũng như phát triển kinh
tế sau đại dịch, nên từ đầu năm dòng vốn từ các ngân hàng là một trong những nguồn được điều tiết
đầu tiên.Theo báo cáo tài chính gần nhất, hiện lợi nhuận từ hoạt động tín dụng đang chiếm khoảng
70-90% tổng thu nhập của các ngân hàng.
🡪 Because of the important role of credit capital and ensuring economic recovery and development
after the pandemic, from the beginning of the year capital flows from banks were one of the first
regulated sources. In the most recent financial year, currently profits from credit activities account
for about 70-90% of the total income of banks.
II. English-Vietnamese translation
4) HDBank's shareholders have voted in large numbers in favour of all the proposals made by the
board of directors, including participation in the restructuring of a credit institution in the form of
compulsory sale of a specially-controlled joint stock commercial bank, which received approval
from 81.52 per cent of voting shareholders.
🡪 Các cổ đông của HDBank đã bỏ phiếu thuận cho tất cả các đề xuất của Hội đồng quản trị, bao
gồm cả việc tham gia tái cơ cấu tổ chức tín dụng theo hình thức buộc bán một ngân hàng thương mại
cổ phần được kiểm soát đặc biệt, được 81,52% cổ đông có quyền biểu quyết chấp thuận.
5) According to the proposal, the participation in the restructuring of a credit institution aims to
"implement the direction of the Government and the State Bank of Viet Nam on restructuring the
system of credit institutions, contributing to the healthy and stable development of the banking
system and economy, besides creating opportunities to bring benefits and added value to HDBank
and its shareholders.”
Theo đề xuất, việc tham gia cơ cấu lại tổ chức tín dụng nhằm “thực hiện chỉ đạo của Chính phủ,
Ngân hàng Nhà nước Việt Nam về cơ cấu lại hệ thống các tổ chức tín dụng, góp phần vào sự phát
triển lành mạnh, ổn định của hệ thống ngân hàng và kinh tế, bên cạnh việc tạo cơ hội mang lại lợi
ích và giá trị gia tăng cho HDBank và các cổ đông.”
ĐỀ 09
A Giro system system is commonly used in Europe. It is a credit transaction since it is initiated the
debtor making a request to the paying bank that a credit be made to another individual’s account.
The undoubted merit of the Giro system is the simplicity that results from the unidirectional flow of
paper and information. Consequently, many of the costs involved in cheque system are avoided.
Additionally, because the transactions involve an initial debit and subsequent credits to account, the
default risk is reduced once the transactions begin. The drawback of the Giro system is, however,
readily apparent. It relies upon the debtor (purchaser) initiating the transaction. The creditor thus
loses control over the implementation of the payment which the debtor has an obvious incentive to
delay and is uncertain about receiving payment until notification is given. Consequently, Giro
transactions are not suitable for large number of transactions where the seller of goods has no way of
influencing the purchasers actions, and there may be a greater use of cash for day-to-day
transactions in comparison with countries which use cheques. The Giro system is particularly
suitable for payments where the goods are supplied in advance ot payment on a regular basis.
Payments to public utilties for electricity, gas and water are obvious examples. This commonality in
many payments can be exploited in the bill-paying services offered by some banks, building
societies and credit unions, which effectivelv substitute a credit for a debit transfer.
1. a certain positive point Undoubted merit

2. public service Public utility
3. encouragement Incentive
4. payment for transactions which are carried out regularly Paymenton a regular
basis
5. an organization which accepts deposits and lends money to Building society
customer who want to buy or to rent houses, flats
and F for False
6. F Giro transaction is a credit transaction because it involves initial credit and

subsequent debit.
7. T Giro system has both advantages and disadvantages.
8.F In Giro system, papers and information are sent in different directions.
9.T With Giro, the creditor is not certain about receiving payment until notification is
given.
10. T Bill- payment services offered by banks are normally carried out through Giro
system.
III. Answer the following questions.

11. What are the disadvantages of Giro system?
🡪 Creditor loses control over the implementation of payment and not certain about receiving
payment.
12. Why can not the creditor control the implementation of the payment?
🡪 Debtor initiates the transactiomn.
13. What kinds of transaction should not be used by Giro system?
🡪 Transactions where seller has no way of influencing the buyer to pay.
14. Why is default risk in Giro system reduced when transactions begin?
🡪 Initial debit and subsequent credit.
15. Name two bill- paying services mentioned in the passage?
🡪 Paying for electricity and gas.
16. If you want to borrow money form a third party, you may have to supply a…………..
A banker’s support B banker’s promising C banker’s promise D banker’s reference
17. In multinationals, ……………… positions are often for foreigners.

A. manage B. management C. managerial D.B& C
18. She ………….the paper for damages after they wrongly described her as a prostitute.
A. rewarded B. sued C. argued D. negotiated
19. If I had a car, I………………to my parents every week.

A. will go B. went C. would go D. go
20. The foreign exchange market, commonly referred as ………………… is a form of exchange for
the global decentralized trading of international currencies.
A. floating market B. currency market C. forex, FX D. forex, FX, or
currency market
21. I'll get lost if you……………………with me.
A. don't go B. didn't go C. wouldn't go D. won't go
22. Components of balances of payments are ……………………………………..

A. capital and B. current account C. personal account D. current account
financial account and capital account and capital account and capital and
financial account
23. Which of the following do you use to plan your day?
A…………………………..
A. book B. desk diary C. brochure D. poster
24. In the long term………….is due to increase in the price of raw materials. This is the situation
A. devaluation B. inflation C. recession D. deinflation
25. Which of the following is used to memorize new words?

A. making sentences B. writing an article C. practicing yoga D. doing maths
B. TRANSLATION
1. According to VDSC, the SBV is under pressure to loosen credit as the SBV’s statistics showed
credit growth as of August 15 this year reached more than 9.6 per cent, up some 1.5 times compared
to the same period last year. It meant that credit from August 15 to the end of the year will be
allowed to increase by only 4.4 per cent or about VND457.45 trillion, less than half of the credit
demand from the beginning of the year to August 15.
🡪 Theo VDSC, NHNN chịu áp lực nới lỏng tín dụng khi thống kê của NHNN cho thấy tăng trưởng
tín dụng tính đến ngày 15/8 năm nay đạt hơn 9,6%, tăng khoảng 1,5 lần so với cùng kỳ năm trước.
Nghĩa là tín dụng từ 15/8 đến cuối năm chỉ được phép tăng 4,4%, tương đương khoảng 457,45 nghìn
tỷ đồng, chưa bằng một nửa nhu cầu tín dụng từ đầu năm đến 15/8.
2. Capital demand accelerated sharply in the first half of the year. In the first seven months of 2022,
the number of newly established and re-operating enterprises increased by 17.9 per cent and 49.7 per
cent respectively over the same period. This implies that the capital demand for enterprises to return
to operation and their capital need for new investment is still quite large.
🡪 Nhu cầu vốn tăng mạnh trong nửa đầu năm. Bảy tháng đầu năm 2022, số doanh nghiệp thành lập
mới và doanh nghiệp quay trở lại hoạt động tăng lần lượt 17,9% và 49,7% so với cùng kỳ. Điều này
cho thấy nhu cầu vốn để doanh nghiệp quay trở lại hoạt động và nhu cầu vốn để đầu tư mới còn khá
lớn.
3. Besides, the tightening will also affect the implementation of the 2 per cent interest rate support
package in the Government’s economic recovery and development programme. The disbursement of
the VND40 trillion support package has remained limited after nearly three months of
implementation. The central bank reported commercial banks lent nearly VND4.1 trillion to nearly
550 customers under the package.
🡪 Bên cạnh đó, việc thắt chặt cũng sẽ ảnh hưởng đến việc thực hiện gói hỗ trợ lãi suất 2% trong
chương trình phục hồi và phát triển kinh tế của Chính phủ. Sau gần 3 tháng triển khai, việc giải ngân
gói hỗ trợ 40 nghìn tỷ đồng còn hạn chế. Ngân hàng trung ương cho biết các ngân hàng thương mại
đã cho gần 550 khách hàng vay gần 4,1 nghìn tỷ đồng theo gói.
4. Hội đồng Quản trị Ngân hàng TMCP Việt Nam Thịnh Vượng (VPBank) mới đây đã phê duyệt ngày đăng ký cuối
cùng thực hiện quyền của đợt phát hành tăng vốn cổ phần từ nguồn vốn chủ sở hữu.Cụ thể, ngày đăng ký cuối cùng
hưởng quyền là 29/9. Tương ứng ngày giao dịch không hưởng quyền là 28/9.
🡪 The Board of Directors of Vietnam Prosperity Joint Stock Commercial Bank (VPBank) recently
approved the last registration date to exercise the right of the issuance to increase share capital from
equity. Specifically, the last registration date. entitled to 9/29. Correspondingly, the ex-rights date is
September 28.
5. Theo kế hoạch, VPBank dự kiến phát hành hơn 2,237 tỷ cổ phiếu cho cổ đông để tăng vốn. Tỷ lệ thực hiện quyền là
2:1, tức cổ đông sở hữu hai cổ phiếu phổ thông tại ngày chốt quyền sẽ được nhận thêm một cổ phiếu mới. Nguồn phát
hành lấy từ lợi nhuận sau thuế chưa phân phối là 21.002 tỷ đồng và nguồn quỹ dự trữ bổ sung vốn điều lệ là 1.374 tỷ
đồng.
🡪 According to the plan, VPBank plans to issue more than 2,237 billion shares to shareholders to
increase capital. The exercise ratio is 2:1, which means that shareholders owning two common
shares at the closing date will receive one new share. Issuing source from undistributed profit after
tax is VND 21,002 billion and reserve fund to supplement charter capital is VND 1,374 billion.
ĐỀ 10
I. Read the passages and answer the questions below.
An overdraft is a facility (1. grant) granted to a customer whereby he can overdraw his current
account up to an agreed limit.
From the customer's point of view, the overdraft is the cheapest form of (2. borrow) borrowing as
he pays only what he uses. It gives him greater flexibility. He can at any time deposit money into the
account to reduce the outstanding balance or he can draw out money whenever he needs it as long as
he does not exceed the limit. Interest is calculated (3. day) daily on the (4. fluctuate) fluctuating
outstanding balance and is (5. normal) normally charged at the end of each month. From the
bank's point of view the overdraft has the advantage that it is self- (6. liquidate) liquidating by
the normal turnover of the account though it often has a tendency to develop into hard- core (7. lend)
lending.
Whether a banker makes an advance by way of overdraft is usually a matter of the (8. appropriate)
appropriateness of the facility. A (9. satisfy) satisfactory overdraft account is one with a balance
that fluctuates between debit and credit over a (10. reason) reasonable period.
II.Read the passage. Find the words/phrases in the passage to fill in the gaps below
11.There are three main kinds of bank: central, commercial and development banks.
12 Inventory is the same as stock consisting raw materials, unfinished goods and unsold finished
goods.
13. A secured loan means a loan with security.
14. Payables is opposite " receivables "
15. This commercial paper has a maturity of one year (the company will have to pay the principal
and interest in one year's time.)

16. Over the last month, oil prices have fluctuated wildly ...............$96..............$123
A from/to B to/from C in/of D between/and
17. Prices rocketed ..............the beginning of the month and reached a new peak...........$45
A in/to B at/of C in/of D on/at
18. These three items ................nearly 50% of all family expenditure.

A made of B made up C account to D made in
19. Spending .............alcoholic drinks was at 3%.

A for B to C in D on
20. ……is the place where exchange activities occur.

A exchange market B money market C floating market D floated market
21. Someone ……………….your glasses if you leave them there.

A. is stealing B. would steal C. will steal D. stole
22. In the long term ……….is due to increase in the price of raw materials. This is the situation
A. devaluation B. inflation C. recession D. crisis
23. In a accordance with our usual terms, payment will be by …………This is a letter from a bank
A. cheque B. banker’s draft C. letter of credit D. cash on delivery
24. We enclose our……….., which is a formal request for payment

A. receipt B. quotation C. commercial invoice D. bill of lading
25. The industry and construction ………..is facing difficulties due to low efficiency and
competitiveness..
A. set B. sector C. section D. part
B. TRANSLATION
1. Trade finance and bank guarantees are one of the bank’s most important service offerings, and the
implementation will now enable BIDV to meet current and future demands. Hosted on their own
servers in Ha Noi, the solutions were deployed and supported by Surecomp’s local teams in Asia
and Europe.
🡪 Tài trợ thương mại và bảo lãnh ngân hàng là một trong những dịch vụ quan trọng nhất của ngân
hàng và việc triển khai sẽ giúp BIDV đáp ứng nhu cầu hiện tại và tương lai. Được lưu trữ trên các
máy chủ của họ tại Hà Nội, các giải pháp đã được triển khai và hỗ trợ bởi các nhóm địa phương của
Surecomp ở Châu Á và Châu Âu.
2. This, in turn, will allow customers to manage their import and export activities better. Taking a
pioneering approach to digital innovation, the flexibility of the solutions will also enable the bank to
amend and customise their trade finance instruments as their requirements evolve.
🡪 Điều này sẽ cho phép khách hàng quản lý hoạt động xuất nhập khẩu của họ tốt hơn. Thực hiện
một cách tiếp cận tiên phong để đổi mới kỹ thuật số, tính linh hoạt của các giải pháp cũng sẽ cho
phép ngân hàng sửa đổi và tùy chỉnh các công cụ tài trợ thương mại của họ khi yêu cầu của họ phát
triển.
3. “Thanks to a comprehensive collaboration between BIDV, Surecomp and CMC TS, we are
delighted to be in live production with our new digital trade finance operation. Given its high
priority, we believe in the value and competitive edge this digitalisation path brings BIDV,” said Le
Trung Thanh, BIDV’s Senior Executive Vice President.
🡪 “Nhờ sự hợp tác toàn diện giữa BIDV, Surecomp và CMC TS, chúng tôi rất vui mừng được đưa
vào sản xuất trực tiếp hoạt động tài trợ thương mại kỹ thuật số mới của mình. Với ưu tiên hàng đầu,
chúng tôi tin tưởng vào giá trị và lợi thế cạnh tranh mà con đường số hóa này mang lại cho BIDV,”
ông Lê Trung Thành, Phó Tổng Giám đốc Cấp cao BIDV cho biết.
4. Trước đó, VPBank đã được Ngân hàng Nhà nước (NHNN) đã chấp thuận việc tăng vốn điều lệ
thêm tối đa 22.377 tỷ đồng dưới hình thức phát hành cổ phiếu để tăng vốn điều lệ từ nguồn vốn chủ
sở hữu.Sau khi phát hành thành công, vốn điều lệ của VPBank sẽ đạt 67.433 tỷ đồng, vươn lên trở
thành ngân hàng có vốn điều lệ lớn nhất hệ thống.
🡪 Previously, VPBank had been approved by the State Bank of Vietnam (SBV) to increase its
charter capital by a maximum of VND 22,377 billion in the form of share issuance to increase
charter capital from equity. If successful, VPBank's charter capital will reach VND 67,433 billion,
rising to become the bank with the largest charter capital in the system.
5. Cụ thể, đợt 1, ngân hàng sẽ tăng vốn từ 45.056 tỷ đồng lên 67.434 tỷ đồng thông qua việc phát
hành cổ phiếu từ nguồn vốn chủ sở hữu. Đợt 2, ngân hàng sẽ phát hành riêng lẻ cho nhà đầu tư nước
ngoài tối đa 15% vốn điều lệ, nâng tỷ lệ sở hữu nước ngoài lên tối đa 30%, tương đương phát hành
thêm 1,19 tỷ cổ phiếu mới.
🡪 Specifically, in the first stage, the bank will increase its capital from VND 45.056 billion to VND
67.434 billion by issuing shares from equity sources. In the second stage, the bank will separately
issue up to 15% of the licensed capital to foreign investors and increase the foreign ownership to up
to 30%, equivalent to issuing 1.19 billion new shares.
ĐỀ 11
The factoring companies provide sales-ledger accounting and double-debt protecting services for
their customers. Most of these also offer the guarantee to on-credit buyers.
When a company sells, especially to another company, it usually supplies goods on credit. It means
that the trading is carried out immediately, but payment will take place later. The credit period may
be from one to three months or even longer, depending on the transaction terms concerned. The
capital is, therefore, tied up in unpaid invoices for that period of time, which may hinder the
business in the company. To solve this problem, a factoring company will immediately provide the
company selling on credit with an amount equivalent to the debt. Most major banks offer the
factoring services to corporate customers with the help of their business subsidiaries. The services
vary, depending on each factoring company. However, almost all of them provide help in three main
areas:
Purchasing the claims on sold goods and making immediate payment for the companies selling on
credit. The payment is limited to a certain percentage (usually 80%) of the invoices, which have
been accepted by the factors.
Providing the sales-ledger accounting, taking all the responsibility for sales accounting in a
company.Ensuring payment for the items accepted for sales.
I. Say True or False for the following statements.
1. Most factoring companies offer the guarantee to customers buying on credit. T

2. Unpaid invoices may do harm the business of a company. T
3. Services provided by the factoring companies are the same. F
4. The factors pay 80% of all invoices. F
5. Selling on credit means that the payment will be deferred. T
II. Find word/phrase in the text to fill in the blanks, changing its form if necessary
6. The factoring company provide factoring service to customers.

7. They bought the wine for the party on credit (not paying immediately)
8. When a customer buys something without paying money immediately means that he/she is given
credit period
9. The production was hindered by the lack of materials.
10. They added an Item (a credit or debit) to the account.
III. Answer the following questions
11. Does a company usually supply goods for another company on COD (cash on delivery) or on
credit?
🡪 On credit
12. Why does the selling on credit hinder the business in a company?
🡪 Because capital is tied up in unpaid invoices, which leads to shortage of money for further
production
13. How can major banks offer factoring services to corporate customers?
🡪 Through their subsidiaries
14. What do you mean by ‘purchasing the claims on sold goods’?
🡪 Buying receivables (unpaid invoice) for goods which have been sold
15. Will the factor companies take all the responsibility for sales accounting in a company.
🡪 Yes, they do

16. In accordance with our usual terms, payment will be by……………This is a letter from a bank
A banker's draft B credit C cheque D letter of credit
17. One of the benefits of forex trading vs. equity trading is………….
A. unimportant B. unequal access to C. equality access to D. equal access to
access to market market information market information market information
information
18. These shares …………………me a good return recently.
A. give B. have given C. gave D. are giving
19. Regular automatic payments of the same amount are called…………..

A. standing orders B. standing debits C. direct debits D. direct orders
21. Our bank is now providing ATM card for all existing customers…………….
A charge freely B free charge C free of charge D charge
22. The foreign exchange market plays an/a …………………….part in the market economy
A unnecessary B unimportant C needed D indispensable
23. Banks need to seek new services to meet the…………needs.
A change B changed C changing D unchange
24. The foreign exchange market, commonly referred as ………………… is a form of exchange for
the global decentralized trading of international currencies.
A forex, FX B forex, FX, or C floating market D currency market

currency market
25. …………….will create a positive entry in a trade balance.
A an import B an export C importing D borrowing
B. TRANSLATION
1. “We congratulate BIDV on successfully deploying this new trade finance platform. CMC
Technology and Solution is proud to be BIDV’s technology partner in this project, with Surecomp
delivering a best-in-class solution. We will strive to provide BIDV with industry-leading services
and solutions to support them remaining at the industry forefront,” said Ho Thanh Tung, CEO of
CMC Corporation and CMC TS.
🡪 Ông Hồ Thanh Tùng, Tổng Giám đốc Tập đoàn CMC và CMC TS cho biết “Xin chúc mừng
BIDV đã triển khai thành công nền tảng tài trợ thương mại mới này. Công nghệ và Giải pháp CMC
tự hào là đối tác công nghệ của BIDV trong dự án này, với Surecomp mang đến giải pháp tối ưu
nhất. Chúng tôi sẽ cố gắng cung cấp cho BIDV các dịch vụ và giải pháp đầu ngành để hỗ trợ họ duy
trì vị trí dẫn đầu trong ngành”.
2. In particular, Moody's expects that in 2020, the country's central bank will grant higher limits for
loan growth to banks that have adopted Basel II and maintain good financials. The higher growth
limits will translate into larger gains in earnings and widen the profitability gap between banks that
have and have not adopted the new capital standard.
🡪 Cụ thể, Moody's kỳ vọng vào năm 2020, ngân hàng trung ương nước này sẽ cấp hạn mức tăng
trưởng cho vay cao hơn cho các ngân hàng đã áp dụng Basel II và duy trì tình hình tài chính tốt.
Giới hạn tăng trưởng cao hơn sẽ chuyển thành thu nhập lớn hơn và mở rộng khoảng cách về lợi
nhuận giữa các ngân hàng đã và chưa áp dụng tiêu chuẩn vốn mới.
3. After the State Bank of Vietnam (SBV) approved VPBank to increase charter capital in the form
of share issuance from the equity source, the bank will issue a maximum of 2.23 billion shares at the
rate of 50 per cent to increase its charter capital from VND45.05 trillion to VND67.43 trillion in the
third quarter of 2022.
🡪 Sau khi được Ngân hàng Nhà nước (NHNN) chấp thuận cho VPBank tăng vốn điều lệ theo hình
thức phát hành cổ phiếu từ nguồn vốn chủ sở hữu, ngân hàng sẽ phát hành tối đa 2,23 tỷ cổ phiếu tỷ
lệ 50% để tăng vốn điều lệ từ 45 tỷ đồng. 0,05 nghìn tỷ đồng lên 67,43 nghìn tỷ đồng vào quý 3 năm
2022.
4. Nếu hoàn tất 2 đợt phát hành này, vốn điều lệ của VPBank sẽ tăng lên mức 79.334 tỷ đồng, vượt
xa các ngân hàng quốc doanh như Vietcombank, VietinBank hay BIDV. Năm 2022, VPBank đặt kế
hoạch lợi nhuận trước thuế hợp nhất tăng hơn gấp đôi, lên 29.662 tỷ đồng. Trong đó, lợi nhuận của
ngân hàng mẹ ước đạt trên 23.000 tỷ đồng, tăng trưởng 66% so với năm trước.
🡪 If these two issuances are completed, VPBank's charter capital will increase to VND 79,334
billion, far exceeding state-owned banks such as Vietcombank, VietinBank or BIDV. In 2022,
VPBank plans to more than double its consolidated pre-tax profit to VND 29,662 billion. In which,
the parent bank's profit is estimated at over VND 23,000 billion, up 66% over the previous year.
5. Tổng tài sản đến cuối năm đạt 697,4 nghìn tỷ đồng, tăng trưởng 27,4% so với cuối năm 2021,
trong đó, dư nợ cấp tín dụng dự kiến đạt hơn 518,4 nghìn tỷ đồng, tăng trưởng tới 35%. Tiền gửi
khách hàng và giấy tờ có giá đến cuối năm dự kiến đạt hơn 413 nghìn tỷ đồng, tăng trưởng 27,8%.
Tỷ lệ nợ xấu của ngân hàng riêng lẻ kiểm soát dưới 2%.
🡪 Total assets by the end of the year reached VND 697.4 trillion, an increase of 27.4% compared to
the end of 2021, of which, credit balance is expected to reach more than VND 518.4 trillion, up 35%
. Deposits from customers and valuable papers by the end of the year are expected to reach more
than VND 413 trillion, up 27.8%. The bad debt ratio of individual banks is controlled below 2%.
The end
ĐỀ 12
Passage 1: CURRENT ACCOUNTS
A current account is an account which allows customers to take out or withdraw money, with no
restrictions. Money in the account does not usually earn a high rate of interest: the bank does not pay
much for ‘borrowing’ your money. However, many people also have a savings account or deposit
account which pays more interest but has restrictions on when you can withdraw your money. Banks
usually send monthly statements listing recent sums of money coming in, called credits.
Nearly all customers have a debit card allowing them to make withdrawals and do other transactions
at cash dispensers. Most customers have a credit card which can be used for buying goods and
services as well as for borrowing money. In some countries, people pay bills with cheques. In other
countries, banks do not issue cheque books and people pay bills by bank transfer. These include
standing orders, which are used to pay regular fixed sum of money, and direct debits, which are used
when the amount and payment date varies.
Passage 2: BANKING PRODUCT AND SERVICES

Commercial banks offer loans – fixed sums of money that are lent for a fixed period (e.g. two
years). They also offer overdrafts, which allow customers to overdraw an account. That means
customers can have a debt, up to an agreed limit, on which interest is calculated daily. This is
cheaper than a loan if, for example, you only need to overdraw for a short period. Banks also offer
mortgages to people who want to buy a place to live. These are long-term loans on which the
property acts as collateral or guarantee for the bank. If the borrower does not repay the mortgage,
the bank can repossess the house or flat: the bank takes it back from the buyer, and sells it.
Banks exchange foreign currency for people going abroad, and sell traveler’s cheques which are
protected against loss or theft. They also offer advice about investments and private pension plans –
saving money for when you retire from work. Increasingly, banks also try to sell insurance products
to their customers.
Passage 3: E-BANKING
In the 1990s, many commercial banks thought the future would be in telephone banking, and
internet banking or e-banking, but they discovered that most of their customers preferred to go to the
branches, local offices of the bank – especially ones that had longer opening, and which
conveniently situated in shopping centers.
I. The terms below are taken from the three passages. Use them to complete the
advertisement. Write your answer next to Questions 1-9 below.
credit card current accounts debit card

direct debit statements foreign currency
savings accounts standing order traveler’s cheques
CALLING ALL STUDENTS
ACB Bank now offers 1% interest on (1) … and 2.5% on (2) … We will give you a checkbook and
plastic: a free (3) … for use in cash dispensers, and the possibility to apply for a ( 4) …You can pay
fixed monthly bills by (5) … and other bills by (6) … There are no account charges as long as you
remain in credit, and we send you monthly (7) … We can also sell you (8)… for your next holiday,
or (9)… for greater security. What are you waiting for? Call us today.
1) current accounts 4) credit card 7) statements

2) savings accounts 5) standing order 8) foreign currency
3) debit card 6) direct debit 9) traveler’s cheques
II. Find the terms in Passage 2 with the following meanings. Write the terms next to Questions
10-15.
10) interest what you earn when you leave your money in the bank
11) loan an amount of money borrowed from a bank for a certain length
of time, usually for a specific purpose
12) collateral something that acts as a security or a guarantee for a debt
13) overdraft an arrangement to withdraw more money from a bank account
than you have placed in it
14) mortgage a long-term loan to buy somewhere else to live
15) repossess to take back property that has not been completely paid for.
16. An LC is useful when …………………………………………………… is difficult to obtain.

A reliable credit B reliable credit C inreliable credit D unreliable credit
information about information about a information about a information about a
a foreign buyer foreign seller seller foreign buyer
17. I wonder ……………the tickets are on sales yet.

A. what B. when C. where D. whether
18. Someone………………there's been an accident on the motorway.
A. asked B. said C. spoke D. told
19. Remittance is …………………………

A. a method B. a method of C. type of account D. an account
of transfer payment
20. My girlfriend always wants to get on her own. She doesn't like compromise. My friends say
she's a very……… negotiator.
A. weak B. formal C. informal D. strong

A not act as a B act as a C will not act as a D be never act as a

storehouse of the storehouse of the storehouse of the storehouse of the
country or region’s country or region’s country or region’s country or region’s
wealth wealth wealth wealth

A oriented financial B profit-oriented C nonprofit-oriented D unprofit-oriented

institution. financial financial institution financial institution
institution.
B. TRANSLATION
1) The results are clear. The CPI, after peaking in April, slowed down rapidly and was less than 1
per cent in August. Hopefully, with the persistent implementation of Resolution No 11, inflation will
come down to a single digit in 2013.
🡪 Kết quả là rõ ràng. CPI sau khi đạt đỉnh vào tháng 4 đã giảm nhanh và chỉ còn dưới 1% trong
tháng 8. Hy vọng với việc kiên trì thực hiện Nghị quyết 11, lạm phát sẽ xuống một con số trong năm
2013.
2) In a comprehensive set of proposals about the nation's banking system sent on Tuesday to newly-
appointed Minister of Finance Vuong Dinh Hue and State Bank Governor Nguyen Van Binh, The
Viet Nam Association of Financial Investors also said that the central bank should put a freeze on
the establishment of new insurance and gold trading enterprises.
🡪 Trong một loạt các đề xuất toàn diện về hệ thống ngân hàng của quốc gia được gửi vào thứ ba tới
Bộ trưởng Bộ Tài chính mới được bổ nhiệm Vương Đình Huệ và Thống đốc Ngân hàng Nhà nước
Nguyễn Văn Bình, Hiệp hội các nhà đầu tư tài chính Việt Nam cũng cho rằng ngân hàng trung ương
nên đóng băng thành lập mới doanh nghiệp bảo hiểm và kinh doanh vàng
3) General secretary Nguyen Hoang Hai also said that the central bank needed to consider policies
aimed at lowering lending interest rates, currently averaging a whopping 20-25 per cent per year.
🡪 Tổng thư ký Nguyễn Hoàng Hải cũng cho rằng NHNN cần xem xét các chính sách nhằm hạ lãi
suất cho vay, hiện nay trung bình ở mức cao 20-25%/năm.
4) Đây là đợt giảm lãi suất thứ 3 trong năm của những ngân hàng này. Như vậy, so với hồi đầu năm
thì hiện mức lãi suất tiền gửi kỳ hạn 1 tháng tại những ngân hàng này đã giảm từ 1,3-1,5%/năm.
🡪 This is the third interest rate cut of these banks this year. Thus, compared to the beginning of the
year, the 1-month term deposit interest rate at these banks has decreased from 1.3-1.5%/year.
5) Một số ngân hàng thương mại yếu kém với thanh khoản thấp đã lộ diện và chịu sự kiểm soát đặc
biệt. Hoạt động cơ cấu lại các ngân hàng đã được đẩy mạnh, với sự hợp nhất của ba ngân hàng
thương mại: Đệ Nhất, Tín Nghĩa và Ngân hàng thương mại cổ phần Sài Gòn.
🡪 Some weak commercial banks with low liquidity have been exposed and are under special
control. Bank restructuring activities have been accelerated, with the consolidation of three
commercial banks: De Nhat, Tin Nghia and Saigon Commercial Joint Stock Bank.
The end
ĐỀ 13
B. Translation (5đ)
1. A note on which the retailer write down the details of the voucher
sale such as date, cardholder's name, the amount and etc.
2. current (present) at a time. existing
3. minus (subtracted) less
4. very bad points drawbacks
5. with no doubt (certain) unquestionable
and F for False
6. T Credit given to consumers using credit cards has been the fastest growth in
recent years.
7. F All retailers accepted credit cards issued by banks.
8. F Credit card holders did not have to pay interest.
9. T Accepting credit cards in selling goods or services attracted more customers.
10. F The problems with banks could not be solved.
III. Answer the following questions.
11. What kind of customers did the bank issue credit cards to?
🡪 Existing customers
12. What did the salesperson need to do every day?
🡪 Present sale vouchers to the bank
13. When was he salesperson's account credited?
🡪 After the voucher is sent to the bank
14. Why was a credit card advantageous to the card issuing bank?
🡪 Bank collected fee and charged interest on the outstandings
15. Why was the appearance of two national credit card authorities important?
🡪 It solved the drawbacks of local bank credit cards

A. produced, B. nonproduced, C. nonproduced, D. productive,
nonfinancial assets financial assets nonfinancial assets nonfinancial assets
18. ………………………the end of the film, we cried a lot.
A. In B. With C. On D. At

22. Current account includes …………………………………………
A. trade balance, B. trade balance, C. goods, services, D. services, incomes
goods, services, and goods, services, incomes and current and current transfers
current transfers incomes and transfers
current transfers
use the equipment.

B. TRANSLATION
1) The central bank, in conjunction with the Ministry of Agriculture and Rural Development and the
Ministry of Science and Technology, has been implementing the programme since May this year.
🡪 Ngân hàng Trung ương phối hợp với Bộ Nông nghiệp và Phát triển nông thôn, Bộ Khoa học và
Công nghệ triển khai chương trình từ tháng 5 năm nay.
2) According to the central bank, many of these models have shown their effectiveness in several
areas, such as the large-scale rice field model in An Giang province, the hi-tech vegetable and
flower production model in Lam Dong province and the dairy farming and milk production model in
the central Nghe An province.
🡪 Theo NHNN, nhiều mô hình trong số này đã phát huy hiệu quả trên một số lĩnh vực như mô hình
cánh đồng lúa lớn ở tỉnh An Giang, mô hình sản xuất rau hoa công nghệ cao ở tỉnh Lâm Đồng, mô
hình chăn nuôi bò sữa và chăn nuôi bò sữa. Mô hình sản xuất sữa tại Nghệ An
3) Vietnam has been spending more on imports than it earns from exports. The trade deficit reached
about US$6.6 billion in the first five months of the year, up 23 percent from the same period in
2010.
🡪 Việt Nam đã và đang chi tiêu nhiều hơn cho nhập khẩu so với thu nhập từ xuất khẩu. Nhập siêu
khoảng 6,6 tỷ USD trong 5 tháng đầu năm, tăng 23% so với cùng kỳ năm 2010.
4) Trong tuần qua, chúng tôi nhận thấy các NH nhóm một đã đồng loạt giảm lãi suất huy động tiền
gửi bằng VND đối với hầu hết các kỳ hạn từ 1 đến 12 tháng. Trong đó, Vietcombank đang duy trì
các mức lãi suất tiền gửi thấp nhất ở tất cả các kỳ hạn.
🡪 In the past week, we noticed that group 1 banks simultaneously reduced deposit interest rates in
VND for most terms from 1 to 12 months. In which, Vietcombank is maintaining the lowest deposit
interest rates of all terms.
5) Vậy tại sao các NH liên tiếp hạ lãi suất huy động? Câu trả lời rất dễ dàng là thanh khoản của các
NH này hiện đang rất dồi dào. Tổng số dư đầu tư vào tín phiếu của các NH đã tăng nhanh từ giữa
tháng 9 tới nay.
🡪 So why do banks continuously lower deposit rates? The answer is very easy that the liquidity of
these banks is currently very abundant. Total balance of investment in bills of banks has increased
rapidly since mid-September until now.
The end
ĐỀ 14
Debt financing is classified as short-term or long-term. Short-term debt issues must be repaid within
three to five years. Loans obtained from commercial banks are common form of short-term debt.
Bank lines of credit allow a firm to borrow up to a specified maximum but require that the loan
balance be zero for one or more months during a year. Banks will also provide two or three year
loans, but these are often secured by claim to inventories or accounts receivable if they are not paid
on time.
Three other major types of short-term financing include commercial paper, pledging and factoring.
Commercial paper is a debt of the firm that has maturity of one year or less. It is sold only by large,
financially sound firms and has an interest cost slightly less than the prime rate given to lowest-risk
bank loans. Factoring and pledging are used by smaller, less stable companies. Factoring is the
physical sale of the firm’s receivables due from customers. Pledging is the loan secured by the
firm’s receivables due from customers. Because of their increased risk, pledging and factoring bear
a large interest cost to the firm than commercial paper.
Before the mid-1960s, virtually all debt issues were sold within the country in which the corporation
resided. Since then, international financing has increased dramatically. Much of this international
financing is short-term and takes place in what is referred to as the Eurodollar market. A Eurodollar
market is a US dollar deposited in a foreign bank without being converted to the local currency.
France, German, Japan and Great Britain are major sources of Eurodollar loans.
I. Decide whether the following statements are true or false
1. There are four types of short-term financing mentioned in the text. T
2. The maximum term of short-term debts is five years. T
3. The interest on commercial papers is usually smaller than that on bank loans. T
4. Factoring is the sale by a company of its accounts receivable. T
5. The interest on factoring is often higher than that on commercial papers. F
6. Loans obtained from a commercial bank are common form of long-term debt. F
7. Financing can be domestic and international. T
8. After 1960, international financing has developed so much. T
II. Find words/phrases in the text to fill in the gaps below

9. There are three main kinds of bank: central, commercial and development banks.
10. Inventory is the same as stock consisting raw materials, unfinished goods and unsold finished
goods.
11. A secured loans means a loan with security.
12. Payable is opposite ‘receivables’
13. This commercial paper has a maturity of one year (the company will have to pay the principle
and interest in one year’s time.)
14. The finances of this company is sound at the moment (good)
15. The course of new banking products and services will take place in the Banking Academy in
two month’s time.

16. The forex market participants include ……..
A central banks, B central banks, C central banks, D central banks,
other banks, other banks, other banks, other banks,
interbank brokers, interbank brokers, interbank brokers, commercial
retail brokers, hedge commercial commercial companies, retail
funds, investors and companies, retail companies, retail brokers, investors
speculators. brokers, hedge brokers, investors and speculators.
funds, investors and speculators.
and speculators.
17. Sofitel hotel has an excellent range of faciltities and no doubt you will be aware…..the fact that
the local area is rich in cultural interest.
A to B of C for D with
18. Revenue represents any increase in owners’ equity resulting…………the operations of a

business.
A with B to C from D in
19. Exchange rate is the value of one currency of one country in relation ………….another.
A at B to C with D in
20. Recently, UK family income……………in real terms.

A doubled B has doubled C was doubled D doubling
21. Everyday millions of people……………….to the Internet to share information, do business and
communicate with each other.
A convince B connect C persuade D concept
22. Vietnam’s economy mainly relies …………exploiting natural resources

A on B with C of D at
23. Commercial banks' functions are to...............

A support smoothly B support payments C create money, D create money,
payments mechanism, help support smoothly support smoothly
mechanism, help community savings, payments payments
community savings, support international mechanism, help mechanism, help
support smoothly transaction,store community savings, community savings,
international valuable goods, store valuable support smoothly
transaction,store provide other goods, provide other international
valuable goods, services services transaction,store
provide other valuable goods,
services provide other
services
24. Current account…………..may apply for a Grimleys Credit Card.
A people B users C holders D owners
25. You will need to ………….your PIN each time you use the card.
A enter B type C typical D put in
B. TRANSLATION
1. The SBV has so far approved charter capital plans of banks such as NamABank, Kienlongbank,
VietBank, VietCapitalBank and OCB.For the group of State-owned banks including Vietcombank,
VietinBank and BIDV, though information has not been published, these banks all expect to pay
dividends in shares this year.
🡪 Đến nay, NHNN đã phê duyệt phương án vốn điều lệ của các ngân hàng như NamABank,
Kienlongbank, VietBank, VietCapitalBank và OCB. Đối với nhóm ngân hàng quốc doanh gồm
Vietcombank, VietinBank và BIDV, dù chưa công bố thông tin nhưng các ngân hàng này đều kỳ
vọng sẽ trả cổ tức bằng cổ phiếu trong năm nay.
2. Shareholders of VietinBank also approved a share dividend payment from the source of
undistributed after-tax profit, and a cash dividend payment plan in 2020. Specifically, the bank will
issue more than 569 million shares to pay dividends, equivalent to a rate of 11.85 per cent.
🡪 Các cổ đông của Vietcombank cũng đã phê duyệt cổ tức cổ phần chưa bao giờ được trả từ nguồn
lợi nhuận sau thuế được phân phối, cũng như kế hoạch trả cổ tức bằng tiền mặt vào năm 2020. Cụ
thể, ngân hàng sẽ phát hành hơn 569 triệu cổ phiếu để trả cổ tức, tương đương với lãi suất 11,85%.
3. This year, all banks will have to continually pay dividends in shares, instead of cash, according to
the SBV’s requirement. Right from the beginning of the year, the SBV’s Governor Nguyen Thi
Hong issued Directive 01/CT-NHNN on organising the implementation of key tasks of the banking
industry in 2022, in which banks are required to not pay dividends in cash in 2022 with an aim to
continually reduce lending interest rates.
🡪 Năm nay, tất cả các ngân hàng sẽ phải liên tục chia cổ tức bằng cổ phiếu thay vì tiền mặt theo yêu
cầu của NHNN. Ngay từ đầu năm, Thống đốc NHNN Nguyễn Thị Hồng đã ban hành Chỉ thị 01/CT-
NHNN về việc tổ chức thực hiện nhiệm vụ trọng tâm của ngành ngân hàng năm 2022, trong đó yêu
cầu các ngân hàng không chia cổ tức bằng tiền năm 2022 với tỷ lệ hướng tới mục tiêu liên tục giảm
lãi suất cho vay.
4. PGBank từng là ngân hàng được rất nhiều “ông lớn” quan tâm, một phần sức hấp dẫn đến từ hệ
sinh thái của cổ đông lớn Petrolimex. Những ngân hàng như VietinBank, MB, HDBank đều đã từng
“tìm hiểu” và thậm chí đã có kế hoạch sáp nhập PGBank. Tuy nhiên, những “mối duyên” này đến
cuối cùng đều không thành công.
🡪 PGBank used to be a bank that many "big men" cared about, part of the attraction came from the
ecosystem of the major shareholder Petrolimex. Banks such as VietinBank, MB, and HDBank have
all "learned" and even planned to merge PGBank. However, these "predestined relationships" were
ultimately unsuccessful.
5. Năm 2018, kế hoạch sáp nhập giữa HDBank và PGBank được công bố và cũng đã được NHNN
chấp thuận nguyên tắc. Dù vậy, đến năm 2021, việc sáp nhập PGBank lần nữa thất bại. Trong trạng
thái chờ sáp nhập, chờ Petrolimex thoái vốn những năm qua, kết quả kinh doanh của PGBank khó
có sự bứt phá và thậm chí còn ảnh hưởng tới đội ngũ nhân sự của nhà băng này.
🡪 In 2018, the merger plan between HDBank and PGBank was announced and was also approved in
principle by the State Bank. However, by 2021, the merger of PGBank again failed. In the state of
waiting for merger, waiting for Petrolimex to divest its capital in recent years, it is difficult for
PGBank's business results to make a breakthrough and even affect the bank's staff.
The end
ĐỀ 15
Passage 1: CURRENT ACCOUNTS

A current account is an account which allows customers to take out or withdraw money, with no
restrictions. Money in the account does not usually earn a high rate of interest: the bank does not pay
much for ‘borrowing’ your money. However, many people also have a savings account or deposit
account which pays more interest but has restrictions on when you can withdraw your money. Banks
usually send monthly statements listing recent sums of money coming in, called credits.
Nearly all customers have a debit card allowing them to make withdrawals and do other transactions
at cash dispensers. Most customers have a credit card which can be used for buying goods and
services as well as for borrowing money. In some countries, people pay bills with cheques. In other
countries, banks do not issue cheque books and people pay bills by bank transfer. These include
standing orders, which are used to pay regular fixed sum of money, and direct debits, which are used
when the amount and payment date varies.
Passage 2: BANKING PRODUCT AND SERVICES
Commercial banks offer loans – fixed sums of money that are lent for a fixed period (e.g. two
years). They also offer overdrafts, which allow customers to overdraw an account. That means
customers can have a debt, up to an agreed limit, on which interest is calculated daily. This is
cheaper than a loan if, for example, you only need to overdraw for a short period. Banks also offer
mortgages to people who want to buy a place to live. These are long-term loans on which the
property acts as collateral or guarantee for the bank. If the borrower does not repay the mortgage,
the bank can repossess the house or flat: the bank takes it back from the buyer, and sells it.
Banks exchange foreign currency for people going abroad, and sell traveler’s cheques which are
protected against loss or theft. They also offer advice about investments and private pension plans –
saving money for when you retire from work. Increasingly, banks also try to sell insurance products
to their customers.
Passage 3: E-BANKING
In the 1990s, many commercial banks thought the future would be in telephone banking, and
internet banking or e-banking, but they discovered that most of their customers preferred to go to the
branches, local offices of the bank – especially ones that had longer opening, and which
conveniently situated in shopping centers.
I. The terms below are taken from the three passages. Use them to complete the
advertisement. Write your answer next to Questions 1-9 below.
credit card current accounts debit card

direct debit statements foreign currency
savings accounts standing order traveler’s cheques
CALLING ALL STUDENTS
ACB Bank now offers 1% interest on (1) … and 2.5% on (2) … We will give you a checkbook and
plastic: a free (3) … for use in cash dispensers, and the possibility to apply for a ( 4) …You can pay
fixed monthly bills by (5) … and other bills by (6) … There are no account charges as long as you
remain in credit, and we send you monthly (7) … We can also sell you (8)… for your next holiday,
or (9)… for greater security. What are you waiting for? Call us today.
1) current accounts 4) credit card 7) statements

2) savings accounts 5) standing order 8) foreign currency
3) debit card 6) direct debit 9) traveler’s cheques
II. Find the terms in Passage 2 with the following meanings. Write the terms next to Questions
10-15.
10) interest what you earn when you leave your money in the bank
11) loan an amount of money borrowed from a bank for a certain length
of time, usually for a specific purpose
12) collateral something that acts as a security or a guarantee for a debt
13) overdraft an arrangement to withdraw more money from a bank account
than you have placed in it
14) mortgage a long-term loan to buy somewhere else to live
15) repossess to take back property that has not been completely paid for.
16.Tomorrow, I’m…………… a presentation to Mrs.Lee’s sales staff on our new products

a. Having b. Doing c. Performing d. making
.
17.Mrs.Ha is our…………buyer in this area. She’s very important to us.
a. Chef b. Chief c. Minor d. valuable
18.The new employee got the sack yesterday because she always……………mistake.
a. Did b. Made c. Got d. caused
19.With important decisions, you need a long time to……………..

a. Do b. Make c. Get d. have
20.………….. is the group of people that you want to sell your products to.
a.Target market b.Sales target c.Consumer profile d.Customer orientation
21. I get an accountant to fill in my tax return for me. I don’t have a very good…………….for
figures.
A mind B head C brain D arm
22. An insolvent company often goes into liquidation. A private individual who cannot pay his/her
debts may be declared …………..by a court.
A bankrupt C pennieless D pence
B indebted
23. The technical meaning of insolvency is that a person or company’s………..exceed their assets.
A payments B liabilities C debt D expenses
24. When all the assets of a company have been used as security for a loan, and the company
defaults on repayments, the lender may force the company to go into………..
A receivership B reception C reciprocation D receipt
25. In the UK, mergers and acquisitions are not..........by the government
A controlled B checked C checked D floated
B. TRANSLATION
1. This is the third consecutive year that the SBV has required banks not to pay dividends in cash. In
2021, the SBV also issued a similar directive requiring banks to switch to share dividends. The only
exception to paying cash dividends is State-owned banks, including Vietcombank, BIDV, and
VietinBank, as required by the State Treasury.
🡪 Đây là năm thứ 3 liên tiếp NHNN yêu cầu các ngân hàng không chia cổ tức bằng tiền. Năm 2021,
NHNN cũng có chỉ đạo tương tự yêu cầu các ngân hàng chuyển sang chia cổ tức. Ngoại lệ duy nhất
trả cổ tức bằng tiền mặt là các ngân hàng Nhà nước gồm Vietcombank, BIDV, VietinBank theo yêu
cầu của Kho bạc Nhà nước.
2. On Tuesday, the State Bank of Việt Nam set the daily reference exchange rate at VNĐ23,206 per
dollar, up five đồng from the previous day. With the current trading band of +/-3 per cent,
commercial banks are allowed to apply the ceiling rate for the dollar during the day at VNĐ23,902
and the floor rate at VNĐ22,509.
🡪 Hôm thứ Ba, Ngân hàng Nhà nước Việt Nam ấn định tỷ giá hối đoái tham chiếu hàng ngày ở mức
23.206 đồng mỗi đô la, tăng 5 đồng so với ngày hôm trước. Với biên độ +/-3% hiện nay, các ngân
hàng thương mại được phép áp trần tỷ giá đồng USD trong ngày ở mức 23.902 đồng và tỷ giá sàn ở
mức 22.509 đồng.
3. According to Fitch Ratings, low capitalisation levels are likely to remain a credit weakness for
Vietnamese banks as rapid loan growth will make it challenging to raise capital adequacy ratios
(CARs) in the next two to three years.
🡪 Theo Fitch Ratings, mức vốn hóa thấp có thể vẫn là điểm yếu tín dụng của các ngân hàng Việt
Nam vì tăng trưởng cho vay nhanh sẽ khiến việc tăng tỷ lệ an toàn vốn (CAR) trong hai hoặc ba
năm tới trở nên khó khăn.
4. Trên thị trường chứng khoán, đóng cửa phiên giao dịch ngày 19/9/2022, giá cổ phiếu PGB của
PGBank đứng ở mức 21.400 đồng/cp. Vốn hoá của nhà băng này là hơn 6.400 tỷ đồng, thuộc nhóm
5 ngân hàng nhỏ nhất trên sàn chứng khoán.
🡪 On the stock market, closing the session on September 19, 2022, PGBank's share price of PGB
stood at VND21,400/share. The market capitalization of this bank is more than 6,400 billion dong,
belonging to the group of 5 smallest banks on the stock exchange.
5. Về kết quả kinh doanh, trong 6 tháng đầu năm 2022, lợi nhuận sau thuế của PGBank đạt 192,2 tỷ
đồng, tăng 40% so với cùng kỳ năm ngoái. Tại ngày 30/6/2022, tổng tài sản ngân hàng đạt 39.636,9
tỷ đồng, giảm 2,1% so với đầu năm. Cho vay khách hàng cũng giảm 4,4% xuống còn 26.271,7 tỷ
đồng; tỷ lệ nợ xấu trên tổng dư nợ tăng từ 2,52% lên 2,67%.
🡪 Regarding business results, in the first 6 months of 2022, PGBank's profit after tax reached VND
192.2 billion, up 40% compared to the same period last year. As of June 30, 2022, total bank assets
reached VND 39,636.9 billion, down 2.1% compared to the beginning of the year. Loans to
customers also decreased by 4.4% to 26,271.7 billion dong; the ratio of bad debt to total outstanding
loans increased from 2.52% to 2.67%.
The end
ĐỀ 16
Credit cards are a means of exchange, not of payment. Ultimate payment by the card user occurs
at the end of the month when a cheque is written or a bank account is debited to settle the
outstanding balance. In that respect, credit cards are akin to credit for the users, and a substitute
credit long extended by retailers to customers.
However, to the seller of goods, sales made to the credit card users have similarities' those made to
cheque writers. Costs and fee may differ, but credit card sales vouche can be effectively credited to
the merchant's bank account in a similar manner' cheque received. Because the voucher is a claim on
the credit card company or card issuing bank, the risk of non payment is lower.
In the ways that most are currently structured, credit card systems can be thoug of as similar to
the cheque payments system. Paper (i.e. vouchers) flows in a similar direction, the major difference
being the timing of transactions and liabilities incurrec along the way. The card holder/voucher
writer is given short-term credit (a short-term loan or long-term float) by the card issuing body
between the immediate unconditional credit to the merchant involved and delayed collection of
value from the card holder.
The combination of float to card holders and more or less immediate reimburseme. to stores is
thought to be one factor inhibiting the greater use of EFTPOS system, in which float is absent.
I.Find in the passage the word or phrase having the same meaning as the follows.
1. final ultimate
2. the amount not paid yet outstanding
3. similar to akin
4. given more time to do smth extended
5. an item of asset which is the opposite of a debt claim
6. retailer seller
7. organized structured
8. float loan/credit
9. repayment reimbursement
10. preventing, hindering inhibiting
II.True or False statements
11.Credit cardholder’s account will be debited immediately when he uses his card to pay for goods
or services. F
12.Credit cards are akin to trade cradit for the cardholders. T
13.Credit card are totally the same as cheques. F
14.The flow of cheques and vouchers is the same. T
15.Deferred repayment by credit card holders prevents the greater use of EFTPOS system. T
16………………….is the selling of goods to business, usually in large qualities.

A.Wholesale B.Retail C.Supply D. Distribute
17.According to our policy, you can pay a $500……………and the rest in 12 monthly instalment.
A.deposit B.commission C. interest D.bonus
18.…………. is the time when the seller repairs or releases a product free of charge.
A.Cooling off period B.After - sale service C.Guarantee period D.Pay -back policy
19.The train from Brighton is ………………….by half an hour because of bad weather.
A.stopped B.paused C.delayed D.cancelled
20.……………….is an arrangement to divide the duties and the pay of one job between two or
more people in the same company.
A.Job share B.Share job C.Part- time job D.Full time job
21. Another word for shareholders (especially in American English) is…………..

A ticket-holders B stockholders C paper-holder D paper-holding
22. Because Britain is an island, in British English, a bank account in another country is known as
an……….account.
A off-island B off-coast C offshore D off- drop
23. The primary role of commercial banks in the developed world is to offer business bank accounts
with standard options, such as deposits, ……………….. and loans.
A savings B providers C borrowers D withdrawals
24. A secondary role of commercial banks is …………….the development of the local economy.
A supportting B supported C supporting D support
25. Investing in new businesses is a ………………. aspect of commercial banking.

A majority B major C unmajor D inmajor
B. TRANSLATION
1. Fitch estimates that the banks that are still to become Basel II compliant need only about US$0.6
billion of new capital to meet the local Basel II minimum CAR requirement of 8 per cent before the
implementation deadline in January 2023.
🡪 Fitch ước tính rằng các ngân hàng vẫn tuân thủ Basel II chỉ cần khoảng 0,6 tỷ USD vốn mới để
đáp ứng yêu cầu CAR tối thiểu của Basel II trong nước là 8% trước thời hạn thực hiện vào tháng 1
năm 2023.
2. However, Fitch calculates the banking system's additional capital needs would rise to as much as
$10.7 billion (2.9 per cent of GDP) if banks were to raise their loan-loss reserves to cover potential
losses from all problem loans, while simultaneously maintaining average CARs at 10 per cent. State
banks drive much of the shortfall, due to their lower capital positions.
🡪 Tuy nhiên, Fitch tính toán nhu cầu vốn bổ sung của hệ thống ngân hàng sẽ tăng lên tới 10,7 tỷ
USD (2,9% GDP) nếu các ngân hàng tăng dự phòng rủi ro cho vay để bù đắp các khoản lỗ tiềm ẩn
từ tất cả các khoản cho vay có vấn đề, đồng thời duy trì CAR trung bình ở mức 10 phần trăm. Các
ngân hàng nhà nước chiếm phần lớn sự thiếu hụt, do vị thế vốn thấp hơn của họ.
3. The State Bank of Vietnam (SBV) last year issued Circular No. 14/2021/TTNHNN. Under the
circular, the SBV told banks to reschedule debt repayments to help customers affected by the
COVID-19 pandemic until June 30 this year. The circular also allowed banks to keep the debt
classification for COVID-19 borrowers unchanged.
🡪 Ngân hàng Nhà nước Việt Nam (NHNN) năm ngoái đã ban hành Thông tư số 14/2021/TTNHNN.
Theo thông tư, NHNN yêu cầu các ngân hàng thực hiện giãn nợ để hỗ trợ khách hàng bị ảnh hưởng
bởi dịch COVID-19 đến ngày 30/6 năm nay. Thông tư cũng cho phép các ngân hàng giữ nguyên
phân loại nợ đối với khách hàng vay COVID-19.
4. Trên thị trường chứng khoán, đóng cửa phiên giao dịch ngày 19/9/2022, giá cổ phiếu PGB của
PGBank đứng ở mức 21.400 đồng/cp. Vốn hoá của nhà băng này là hơn 6.400 tỷ đồng, thuộc nhóm
5 ngân hàng nhỏ nhất trên sàn chứng khoán. Cơ cấu cổ đông của ngân hàng khá cô đặc nên thanh
khoản của PGB trên sàn giao dịch chứng khoán rất thấp.
🡪 On the stock market, closing the session on September 19, 2022, PGBank's share price of PGB
stood at VND21,400/share. The market capitalization of this bank is more than 6,400 billion dong,
belonging to the group of 5 smallest banks on the stock exchange. The bank's shareholder structure
is quite concentrated, so the liquidity of PGB on the stock exchange is very low.
5. Tại ngày 30/6/2022, tổng tài sản ngân hàng đạt 39.636,9 tỷ đồng, giảm 2,1% so với đầu năm. Cho
vay khách hàng cũng giảm 4,4% xuống còn 26.271,7 tỷ đồng; tỷ lệ nợ xấu trên tổng dư nợ tăng từ
2,52% lên 2,67%.
As of June 30, 2022, total bank assets reached VND 39,636.9 billion, down 2.1% compared to the
beginning of the year. Loans to customers also decreased by 4.4% to 26,271.7 billion dong; the ratio
of bad debt to total outstanding loans increased from 2.52% to 2.67%.
The end
ĐỀ 17
An account allowing customers to take out money with no restriction is a current account and
the money on which does not usually earn high interest rate. However, many people also have a
savings account or deposit account paying more interest but having restrictions on when they can
withdraw their rnoney.Banks usually send monthly statements listing recent sums of money going
out, called debits, and sums of money coming in, called credits.
Nearly all customers have a debit card allowing them to make withdrawals and do other
transactions at cash dispensers., Most customers have a credit card used for buying goods and
services as well as for borrowing money. In some countries, people pay bills with cheques. In" other
countries, banks do not issue chequebooks and people pay bills by bank transfer includinq standing
order, used to pay regular fixed sums of money, and
direct debits, used when the payment amount and date vary.
Banks can offer overdrafts, allowing customers to overdraw an account - they can have a debt,
up to an agreed limit, on which interest is calculated daily. This is cheaper than a loan if, for
example, the customers need to overdraw for a short period . Banks can also offer mortgages to
people who want to buy a place to live - long-term loans on which the property can Cjct as a
guarantee for the bank. If the bort1Ower does not repay the mortgage, the bank can repossess the
house or flat and sell it.
Banks exchange foreign currencies for people going abroad and sell traveler's cheques protected
against loss or theft.
In the 1990s, many commercial banks thought the future would be in tetephono, or Internet or E-
banking. But they discovered that most of their customers preferred to go to branches - especially
ones having longer opening hours, and conveniently situated in shopping centres
I True or False statements?
T/F
1. There are two kinds of bank transfer mentioned in the passage. T
2. There is less risk for a bank with a mortgage than with unsecured loans. T
3. It is safer for tourists to carry traveller’s cheques than foreign T

currencies.
4. The majority of customers prefer to do their personal banking at the T

bank
5. Bank branches are now all in shopping centres F
II.Find words/phrases in the text which mean:
6. What you can earn when you leave your money in the bank. interest
7. An arrangement to withdraw more money than the credit an overdraft

blance in your account.
8. The thing taken by a bank to secure a mortgage a property
9. An amount of money borrowed from a bank for a certain a bank loan

length of time, usually for a specific purpose.
10. EFTPOS provides this E- banking
III.Fill in the gaps with words/phrases from the above text
ABC now offers 1% interest on current accounts and 2.5% on savings accounts. We will give you a
(11) cheque book and a debit card free of change for use in (12) cash dispenser , and the
possibility to apply for a (13) credit card. You can pay fixed monthly bills by (14) standing orders
, and other bills by direct debits. We send you free monthly (15) statement . We can also sell you
foreign currencies and traveller’s cheques. What are you waiting for? Call us today.

19. He's got a job…kitchen equipment in a department store. He explains customers how to use the
equipment.
21. A country with very low taxes is knowns as a.............

A tax heavens B tax heaven C tax paradise D tax income
22. SWIFT is an international………..payment system.
A electric B electrical C electronic D electricity
23. The principalaim of offshore banking in tax havens is to reducethe custome’s tax.............
A liabilities B expenses C costs D expenditure
24………is a sum of money which is given in advance as past of a total payment for something.
Discount Refund Deposit Interest
25………..is a written promise given by a company that something you buy will be replaced or
repaired without payment if it goes wrong within a particular period.
Insurance Guarantee Promise Agreement
B. TRANSLATION
I. Vietnamese-English translation
1) Chia sẻ tại Diễn đàn Kinh tế - Xã hội Việt Nam 2022, Phó Thống đốc Ngân hàng Nhà nước Việt
Nam Phạm Thanh Hà cho biết, về điều hành chính sách tiền tệ nói chung, Ngân hàng Nhà nước Việt
Nam phải giải bài toán với nhiều yếu tố khác nhau, mục tiêu đặt ra là kiểm soát lạm phát, đồng thời
đảm bảo an toàn trong hoạt động của các tổ chức tín dụng, đảm bảo thanh khoản cho các thị trường
tiền tệ và ngoại hối.
🡪 Sharing at the Vietnam Socio-Economic Forum 2022, Deputy Governor of the State Bank of
Vietnam Pham Thanh Ha said that in terms of monetary policy management in general, the State
Bank of Vietnam must solve the problem with There are many different factors, the goal is to
control inflation, at the same time ensure the safety in the operation of credit institutions, and ensure
liquidity for the money and foreign exchange markets.
2) Trong năm 2022, tình hình thế giới rất phức tạp và khó lường, nhiều biến cố ngoài dự báo và
chưa từng có tiền lệ. Những điều này khiến rủi ro của các nền kinh tế, hệ thống tài chính, ngân hàng
là rất lớn, kìm hãm lạm phát là ưu tiên hàng đầu của nhiều nền kinh tế lớn.
🡪 In 2022, the world situation is very complicated and unpredictable, with many unexpected and
unprecedented events. These things make the risks of economies, financial systems and banks very
large, and controlling inflation is the top priority of many large economies.
3) Ban đầu, nhiều ngân hàng trung ương của nhiều nước trên thế giới đã chần chừ do đánh giá lạm
phát là tạm thời do đứt gãy chuỗi cung ứng, tuy nhiên lạm phát kéo dài hơn dự kiến cho thấy vấn đề
thực sự phức tạp hơn, các ngân hàng trung ương đã tăng nhanh lãi suất, dẫn đến nguy cơ đình đốn -
vừa lạm phát vừa suy thoái.
🡪 Initially, many central banks in many countries around the world hesitated due to their assessment
of inflation as temporary due to supply chain disruptions, but longer-than-expected inflation
suggests that the real problem is more complicated. , central banks have rapidly raised interest rates,
leading to the risk of stagnation - both inflation and recession.
II. English-Vietnamese translation
4) In fact, the ratio of NPLs on the balance sheet at commercial banks has continued to increase
since the end of 2020. Until June 30 this year, the total NPLs of 28 listed banks were about VND122
trillion, an increase of nearly 11 per cent compared to the end of the first quarter and nearly 20 per
cent compared to the beginning of 2022.
🡪 Trên thực tế, tỷ lệ nợ xấu trên bảng cân đối kế toán của các ngân hàng thương mại tiếp tục tăng kể
từ cuối năm 2020. Tính đến ngày 30/6 năm nay, tổng nợ xấu của 28 ngân hàng niêm yết đạt khoảng
122 nghìn tỷ đồng, tăng gần 11% so với cuối quý I và gần 20% so với đầu năm 2022.
5) In the context of rising potential NPLs and limited capital supply to the economy in the coming
period, SBV Governor Nguyen Thi Hong has recently issued Document No. 5962 requesting the
Vietnam Asset Management Company, Vietnamese and foreign banks to continually handle bad
debts according to Resolution No. 42/2017/QH14, which includes accelerating the handling of NPLs
and collaterals of bad debts
🡪 Trong bối cảnh nợ xấu tiềm ẩn gia tăng và nguồn vốn cung ứng ra nền kinh tế hạn chế trong thời
gian tới, Thống đốc NHNN Nguyễn Thị Hồng mới đây đã có văn bản số 5962 yêu cầu Công ty
Quản lý tài sản của các tổ chức tín dụng Việt Nam, các ngân hàng Việt Nam và nước ngoài tiếp tục
xử lý nợ xấu theo Nghị quyết. 42/2017/QH14 đẩy mạnh xử lý nợ xấu, tài sản đảm bảo của nợ xấu
The end
ĐỀ 18
Vietcombank undertakes all the incoming and outgoing requirements of the customers
domestically and internationally. Through the correspondent network all over the world comtlining
with Operation Center network and branches covering all large cities and provinces with the best
quality of International Swift payments in Vietnam, Vietcombank can handle remittance orders
update, accurately, safely with simple procedure and the most attractive charge.
All organizations can receive incomings from overseas with np limit in volume and times.
Before 15h30' on the day of incoming from overseas, at 'VCB's branch serving the beneficiary will
pay by transferring money into his account or inform according to beneficiary's address or telephone
number immediately on the same day. Money receipt procedure is simple with clear guideline
detailed in the bank announcement to ensure the advantages and safety both for the bank and
customers.
With the available advantages of Vietcombank, customers having balances in their account can
require us to transfer money to anyone, almost anywhere allover the world with the highest
effectiveness. In order to ensure the important detail of the remittance order ful'ly issued by the
customer, Vietcombank formed the standard model for the customer to fill in " Application for
remittance". Its content is in digital data, complying with' the international regulation to help the
bank to transfer the data fast and accurately through SWIFT. You can choose one of four remittance
methods: Remittance by SWIFT, by Telex, by Bank Draft and by Letter.
When operating at Vietcombank, you will be advised to choose the remittance method complied
with your needs. As usual, the effective day is the day when the bank debits your account, not the
day of sending remittance order abroad or paying day for the beneficiary.
With the motto for service quality and customer - interest protection and with the present
technology capacity, Vietcombank establishes the techniques to restrict the unnecessary
objective,delay to the lowest level and to perform payment order on the same day as required.
I.Find a word/phrase in the text to fill in the gaps, changing its form if necessary.
1.Normal cheques are generally made out in domestic currrency.
2.Banks must have a ratio of Reserver requirement (RR) with their central bank.
3.Personal account has not been popular in Vietnam because of the cumbersome procedures
around the banking syste.
4.The documents we receive must be complied with the terms in the contract.
5.The remittance methods we have studied in our textbook are telegraphic, telephoned, postal
and bank draft transfers.
6.With telegraphic transfer, the beneficiary’s account is credited on the same day a telegram is
transmitted.
7.Our train will be delayed 5 hours because of an train accident one hour ago. This is an objective
delay.
8.We can transfer money easily through correspondent banks, which have account with each other.
9.In an account statement there are 5 columns: date, detail, payment, receipt and Balance.
10.With telephone transfer, there is always limit in volume (say $5000 is the maxium).
II.Answer the question
11.What is the text about?

🡪 Incoming and outgoing carried out by Vietcombank
12.When is money transferred into the beneficiary’s account if the incoming from overseas is at 2
p.m’?
🡪 Immediately on the same day
13.What is money receipt procedure like?
🡪 Simple and clear
14.What did Vietcombank do to ensure the remittance order?
🡪 Vietcombank formed the standard model for the customer to fill in “ application for remittance”
15.What is the effective day?
🡪 The effective day is the day when the bank debits your account, not the day when sending
remittance order abroad or paying day.

16. I ………..in connection with your letter of 10 November, 2000.
A am writing B write C will write D have written
17. We …………. both Enterprise 1 & 2, and now are ready for the final exam.
A. have been B. studied C. have studied D. had studied
studying
18. John Hartz ………. a lecture when he was interrupted
A. delivered B. had deliverd C. was deliverd D. was delivering
19. We delayed ……….the product because of technical problems

A. being launched B. launching C. launch D. to launch
20. The consultant advised us ……… a subsidiary in the North.
A. to set up B. setting up C. set D. seted
A not act as a B act as a C will not act as a D be never act as a

storehouse of the storehouse of the storehouse of the storehouse of the
country or region’s country or region’s country or region’s country or region’s
wealth wealth wealth wealth

A oriented financial B profit-oriented C nonprofit-oriented D unprofit-oriented

institution. financial financial institution financial institution
institution.
B. TRANSLATION
1) In 2013 HDBank merged with Dai A Bank and completed the process of connecting and merging
their information technology systems in a record time of four months while also ensuring safe and
smooth transactions for all customers, and creating a better earning and working environment for
employees. Also in 2013 HDBank became the first domestic financial institution to acquire a fully
foreign-owned financial institution.
🡪 Năm 2013, HDBank sáp nhập Ngân hàng Đại Á và hoàn tất quá trình kết nối, hợp nhất hệ thống
công nghệ thông tin trong thời gian kỷ lục 4 tháng, đồng thời đảm bảo giao dịch an toàn, thông suốt
cho mọi khách hàng, tạo môi trường làm việc và thu nhập tốt hơn cho nhân viên. Cũng trong năm
2013, HDBank trở thành tổ chức tài chính trong nước đầu tiên mua lại một tổ chức tài chính 100%
vốn nước ngoài.
2) By participating in the credit institution restructuring programme, HDBank once again
demonstrated its pioneering spirit and willingness to fulfill tasks assigned by the Government and
the SBV.HDBank and the banks that are mandatorily sold will receive support prescribed in the Law
on Credit Institutions and other relevant legal regulations.
🡪 Với việc tham gia chương trình tái cơ cấu tổ chức tín dụng, HDBank một lần nữa thể hiện tinh
thần tiên phong, sẵn sàng hoàn thành nhiệm vụ Chính phủ và NHNN giao. HDBank và các ngân
hàng bị bán bắt buộc sẽ nhận được các hỗ trợ theo quy định của Luật Các tổ chức tín dụng và các
quy định có liên quan quy định pháp luật.
3) HDBank's board of directors believes that by undertaking the compulsory sold bank, HDBank not
only fulfills its responsibilities towards the banking industry by leveraging its competence and
experiences in bank restructuring, but also captures the opportunities to achieve a breakthrough in its
growth.
🡪 Hội đồng quản trị của HDBank tin rằng bằng cách buộc phải bán ngân hàng, HDBank không chỉ
hoàn thành trách nhiệm của mình đối với ngành ngân hàng bằng cách tận dụng năng lực và kinh
nghiệm của mình trong việc tái cơ cấu ngân hàng mà còn nắm bắt cơ hội để tạo ra những đột phá
tăng trưởng.
4 Theo ông Phạm Quang Dũng - Chủ tịch HĐQT Ngân hàng TMCP Ngoại thương Việt Nam
(Vietcombank) phát biểu tại hội nghị, biện pháp hạn mức tăng trưởng tín dụng đã góp vai trò quan
trọng thúc đẩy tăng trưởng kinh tế, ổn định vĩ mô. "Quota" cũng được phân bổ khoa học và chặt chẽ.
🡪 According to Mr. Pham Quang Dung - Chairman of the Board of Directors of Joint Stock
Commercial Bank for Foreign Trade of Vietnam (Vietcombank) speaking at the conference, the
credit growth limit measure has played an important role in promoting economic growth and
stabilizing the macro economy. . "Quota" is also scientifically and strictly distributed.
5) Trên thực tế, từ Hội nghị trực tuyến toàn quốc phổ biến, giải đáp, tháo gỡ khó khăn, vướng mắc
trong quá trình triển khai chương trình hỗ trợ lãi suất 2%/năm diễn ra hồi cuối tháng 8, Ngân hàng
Nhà nước đã nắm bắt nhu cầu vốn của nền kinh tế cũng như mong muốn được tiếp tục mở rộng cho
vay các tổ chức tín dụng và thực hiện điều chỉnh hạn mức tăng trưởng tín dụng trong khoảng còn lại
của mục tiêu 14% để thuận tiện cho việc triển khai thực hiện gói hỗ trợ lãi suất 2%.
🡪 In fact, from the National Online Conference to disseminate, answer and remove difficulties and
obstacles during the implementation of the 2%/year interest rate support program that took place at
the end of August, the State Bank grasped the capital needs of the economy as well as the desire to
continue to expand lending to credit institutions and adjusted the credit growth limit in the
remaining period of the target of 14% for convenience. implementation of the 2% interest rate
support package.
The end
ĐỀ 19
International trade credit and the documents associated with it are more complicated than their
domestic equivalents. This is because international trade cuts across two bodies of laws and
regulations, and because the buyers and sellers (importers and exporters) are less familiar with and
less accessible to one another than buyers and sellers in the same country. These complications often
require the help of banks to intermediate import-export transactions through methods of
international payment.
In the simplest form of international trade, the open-account basis, banks have only a simple
transaction role. In open-account trade, the importer and exporter are well-known to each other and
probably have established a successful working relationship. The importer orders goods and
promptly pays for them when the goods and tittles thereto are received.
Almost as simple is the foreign collection basis, in which a bank is used to transmit collected funds.
Before the goods it has bought can be shipped, the importer must place funds with its bank so that
the exporter is assured that payment will be made with collected funds. In this instance, the bank is
merely an agent and not a lender.
I. Find words/phrases in the text which means:
1. trade credit is credit given by a company to another company on large scale.

2. The amount given by the factor when you sell unpaid invoices equivalent to the amount you
can borrow from your bank when using your unpaid invoices as security.
3. LECRs stands for local exchange control regulation.
4. He looks familiar I may have met him at the last year conference in London.
5. In the beginning, they met many complications in running their business, but all these
difficulties have been overcome (difficulties)
II. Read the passages answer the questions

6. Why is international trade more complicated than domestic trade?
🡪 Because 2 bodies of laws and regulations, importer and exporter are less familiar and less
accessible
7. How can the complications in international trade be solved?
🡪 With the help of banks and through methods of international payment
8. How many methods of international payment are mentioned in the text? What are they?
🡪 Two. Open account and collection
9. What is the condition of Open-account method?
🡪 Importer and exporter are well-known, have successful working relationship
10. How can the exporter be assured that payment will be made?
🡪 Importer must place funds with his bank
III. Fill in the blank with a correct word form.

11. The information on the Owners/ownership of the company is very necessary and important
for the credit staff. (own)
12. The good employment given by him makes her very happy. (employ)
13. PIN number must be changed periodically for additional security. (period)
14. Home banking needs a good telephone system and electronics (electronically)
15. The balance sheet also consists of liabilities (liable)

A be medium the B be smaller the C be larger the D be better the
commercial bank, commercial bank, commercial bank, commercial bank,
the greater role it the greater role it the greater role it the greater role it
plays in the economy plays in the economy plays in the plays in the economy
economy
17. You will be sent a PIN (Personal…………………..Number).

A identified B identification C identifier D identifying
18. We pay our employees and suppliers ……..a regular basis.

A by B in C at D on

A processing of B processing of C processing of D processing of
payments by way of payments by way of payments by way of payments by way of
telegraphic telegraphic transfer, telegraphic transfer, telegraphic transfer,
transfer, EFTPOS, internet banking, or EFTPOS. internet banking.
internet banking, other means.
or other means.
20. Two or more customers may apply for a …………….
A together account B current C joint account D two-person account
21. Factors influencing the supply and demand of a currency are ……………………
A political B economic factors, C some conditions D economic factors,
conditions and political conditions. and market political conditions
market psychology. psychology and market
psychology.
22. In some past years, it has suffered……………deficit trade balance.
A with B from C of D in
23. I earn a lot of money, but I have a lot of………………..
A Payouts B expenses C paying D paid
24. What gave rise……………….this problem?
A from B in C for D on
25. I am paying for my new car in 36 monthly…………….
A Installments B pieces C parts D install
B. TRANSLATION
1. Meanwhile, MSB said it has submitted to the SBV a charter capital increase plan and is waiting
for the SBV’s approval. Accordingly, the bank plans to issue 458.25 million bonus shares to existing
shareholders at the rate of 30 per cent and a maximum of 14.25 million ESOP shares.
🡪 Trong khi đó, MSB cho biết đã trình NHNN phương án tăng vốn điều lệ và đang chờ NHNN phê
duyệt. Theo đó, ngân hàng dự kiến phát hành 458,25 triệu cổ phiếu thưởng cho cổ đông hiện hữu tỷ
lệ 30% và tối đa 14,25 triệu cổ phiếu ESOP.
2. After eight years of waiting, Eximbank’s shareholders will also receive dividends from the profits
retained from 2017 to 2021. Specifically, the bank plans to issue nearly 245.9 million shares to pay
dividends at the rate of 20 per cent in Q3 2022.
🡪 Sau 8 năm chờ đợi, cuối cùng cổ đông của Eximbank cũng được nhận cổ tức từ lợi nhuận để lại từ
năm 2017 đến 2021. Cụ thể, ngân hàng dự kiến phát hành gần 245,9 triệu cổ phiếu để trả cổ tức tỷ lệ
20% vào quý 3/2022.
3. Many other private joint stock banks also have plans to issue hundreds of million shares to pay
dividends this year such as OCB with the rate of 30 per cent, NamABank with 29 per cent,
VietBank with 21 per cent, Kienlongbank with 16 per cent, VietCapitalBank with 15 per cent,
LienVietPostBank with 15 per cent, SeABank with 12.7 per cent, VietABank with 11 per cent and
ABBank with 10 per cent.
🡪 Nhiều ngân hàng cổ phần tư nhân khác cũng có kế hoạch phát hành hàng trăm triệu cổ phiếu để
trả cổ tức năm nay như OCB tỷ lệ 30%, NamABank 29%, VietBank 21%, Kienlongbank 16%,
VietCapitalBank với 15%, LienVietPostBank với 15%, SeABank với 12,7%, VietABank với 11%
và ABBank với 10%.
4. Thời gian tổ chức đấu giá dự kiến trong quý 3/2022, tuy nhiên đã gần hết tháng 9 nhưng kế hoạch
này chưa được tiến hành. Trên thực tế, kế hoạch thoái vốn tại PGBank đã được Petrolimex công bố
từ lâu. Tuy nhiên do nhiều nguyên nhân, thương vụ này vẫn chưa thể hoàn tất. Hiện tập đoàn này sở
hữu 120 triệu cổ phiếu PGB, tương đương 40% cổ phần của PGBank.
🡪 The auction is expected to be held in the third quarter of 2022, but it is almost the end of
September, but this plan has not been carried out. In fact, the plan to divest at PGBank has long been
announced by Petrolimex. However, due to various reasons, this transaction has not been completed
yet. Currently, this group owns 120 million shares of PGB, equivalent to 40% of PGBank's shares.
5. Theo thị giá hiện nay, số cổ phần PGB mà Petrolimex sở hữu có giá trị hơn 2.500 tỷ đồng. Tại đại
hội thường niên 2022 của PGBank, Petrolimex cho biết sẽ thực hiện thoái toàn bộ vốn tại ngân hàng
thông qua hình thức đấu giá công khai tại Sàn giao dịch chứng khoán Hà Nội.
🡪 According to the current market price, the number of PGB shares owned by Petrolimex is worth
more than 2,500 billion VND. At PGBank's 2022 annual general meeting, Petrolimex said it would
divest all of its capital at the bank through a public auction at the Hanoi Stock Exchange.
The end
ĐỀ 19
Although the crucial feature of money is its (1)…………. as the means of payment or medium
of exchange. money has three other functions. It serves as a unit of account, as a store of value, and
as a standard of (2) …………payment.
The medium of exchange:
Money, the medium of exchange, is used in one - half of almost all exchange. Workers exchange
labor services for money. People buy or sell goods in exchange for money. We accept money not to
consume It directly (3) ………….because it can be subsequently be used to buy things we do wish
to consume. Money is the medium (4)……….. which people exchange goods and services.
To see that society benefits from a medium of exchange, imagine a barter economy.
A barter economy has no medium of exchange. Goods are simply (5)………. for other goods.
In a barter economy the seller and the buyer each must want something the other has to offer. Each
person is(6)…………… a seller and a buyer. In order to see a film, you must hand over in exchange
a good or service that the cinema manager wants. There has to be a double (7)……… of wants. You
have to find a cinema here the manager wants what you have to offer in exchange.
(8) …………is very complex in a barter economy. People spend a lot of time and effort (9)
………..others with whom they can make mutually (10) ………swaps. Since time and effort are
scarce resources. a barter economy is wasteful. The use of money –any commodity generally
accepted in payment for goods, services, and debts - makes trading (11)……….. and more efficient.
By economizing on time" and effort spent in trading, society can use these resources to produce
extra goods or leisure, (12)………. everyone better off.
I.Choose the best answer
1. a.use b.using c.used d.useful
2. a.defer b.deferred c.defered d.deferring

3. a.and b.so c.but d.thus
4. a.through b.with c.without d.to
5. a.swap b.swaped c.swapped d. swapping
6. a.simultaneous b.simultaneously c.simultaneousness d. simultaneity
7. a.coincide b.coincidence c.coinciding d. coincided
8. a.trading b.trade c.trader d. traded
9. a.find b.found c.finding d. finded
10. a.satisfy b.satisfaction c.satisfactorily d. satisfactory
11. a.simple b.simpler c.more simple d. simply
12. a.making b.make c.made d. makes
II.Answer the following questions

13.What is the advantage of money in terms of medium of exchange compard with barter economy?
🡪 In barter economy there must be double coincidence of wants
14.What does “double coincidence of wants” mean?
🡪 The buyer’s and seller’s needs must be coincided
15.What is the disadvantage of Barter Economy?
🡪 People need to spend much time and efforts to make purchase

use the equipment.
21.Its staff help customers choose the right phone and advise them on the various service…………
Packages Packaging Packing packets
22.I don’t want to change job very often. I want to find a ………..job. By that way, I can be in one
area for a long time.
Tempotary Permanent Short long
23.He finally got a good job in a …………..company. He is now very happy with this job.
Ship Shipping Shipped Shipment
24.One reason why our business is bad is that we ask buyers to pay all at the beginning. They prefer
to pay in…………..
Instalments Parts Shares short
25………………..is something you buy for less than the usual price.
Discount Bargain Cheaper decrease
B. TRANSLATION
1. Most banks are at the third step, so there are already many plans to go further in digital
transformation. Therefore, many banks have moved to establish a digital banking ecosystem, from
opening accounts to registering, issuing, and managing products. Services such as accounts, credit
cards, loans can all be done online.
🡪 Hầu hết các ngân hàng đều đang ở bước thứ ba nên đã có nhiều kế hoạch tiến xa hơn trong
chuyển đổi số. Do đó, nhiều ngân hàng đã chuyển sang thiết lập hệ sinh thái ngân hàng số, từ mở tài
khoản đến đăng ký, phát hành và quản lý sản phẩm. Các dịch vụ như tài khoản, thẻ tín dụng, khoản
vay đều có thể được thực hiện trực tuyến.
2. UK-based HSBC opened a full-service branch in HCM City and has taken the lead in
implementing digital penetration and new technology solutions which are key focus areas at the
bank for both retail as well as corporate customers, according to an HSBC report.
🡪 Theo báo cáo của HSBC, HSBC có trụ sở tại Vương quốc Anh đã mở chi nhánh cung cấp đầy đủ
dịch vụ tại TP.HCM và đi đầu trong việc triển khai các giải pháp công nghệ mới và thâm nhập kỹ
thuật số, vốn là những lĩnh vực trọng tâm tại ngân hàng cho cả khách hàng cá nhân và doanh nghiệp.
3. According to Tim Evans, General Director of HSBC Vietnam, two important issues post-Covid-
19 to ensure that the financial sector maximises its potential are sustainable finance and
digitalisation. The State Bank of Vietnam (SBV) has recently introduced initiatives to support green
finance development and digital transformation.
🡪 Theo ông Tim Evans, Tổng Giám đốc HSBC Việt Nam, hai vấn đề quan trọng hậu Covid-19 để
đảm bảo ngành tài chính phát huy tối đa tiềm năng là tài chính bền vững và số hóa. Ngân hàng Nhà
nước Việt Nam (NHNN) gần đây đã đưa ra các sáng kiến hỗ trợ phát triển tài chính xanh và chuyển
đổi số.
4. Thông tin tại họp báo, đại diện Vụ tín dụng các ngành kinh tế cho biết, trên cơ sở mục tiêu tăng
trưởng kinh tế năm 2022 khoảng 6-6,5% và lạm phát khoảng 4% của Quốc hội, Chính phủ, NHNN
định hướng tăng trưởng tín dụng năm 2022 khoảng 14%, có điều chỉnh phù hợp với diễn biến, tình
hình thực tế.
🡪 Information at the press conference, a representative of the Credit Department for Economic
Sectors said, on the basis of the economic growth target of about 6-6.5% in 2022 and about 4%
inflation of the National Assembly, the Government, and the State Bank of Vietnam. credit growth
orientation in 2022 is about 14%, with adjustments in line with developments and actual situations.
5. Nói thêm về điều hành tín dụng, Phó Thống đốc Đào Minh Tú cho biết, NHNN tiếp tục đặt ra con
số mục tiêu tăng trưởng 14% trong năm 2022 và có thể xem xét điều chỉnh nếu cần thiết. “Tuy
nhiên, kiểm soát lạm phát là yêu cầu cao nhất từ nay đến cuối năm, nên hiện nay NHNN vẫn duy trì
mục tiêu tăng trưởng tín dụng 14%”.
🡪 Talking more about credit management, Deputy Governor Dao Minh Tu said that the SBV
continues to set a growth target of 14% in 2022 and may consider adjusting it if necessary.
“However, controlling inflation is the highest requirement from now until the end of the year, so for
now, the SBV still maintains its credit growth target of 14%.”
The end
THÊM
1, Vietnamese-English translation
22. Ngân hàng TMCP Xăng dầu Petrolimex (PGBank - PGB) vừa thông báo thay đổi nhân sự cấp
cao. Cụ thể, ngân hàng đã chấp thuận nguyện vọng thôi đảm nhiệm chức danh Phó Tổng Giám đốc
của ông Nguyễn Mạnh Hải kể từ ngày 16/9/2022.
🡪 Petrolimex Petroleum Commercial Joint Stock Bank (PGBank - PGB) has just announced a
change of senior personnel. Specifically, the bank has approved Mr. Nguyen Manh Hai's wish
to resign from the position of Deputy General Director from September 16, 2022.
23. Bên cạnh đó, HĐQT PGBank cũng miễn nhiệm chức danh Phó TGĐ của bà Đỗ Thị Đức Minh
kể từ ngày 19/9/2022. Bà Minh cũng sẽ không còn đảm nhiệm chức danh Người phụ trách Quản trị
Ngân hàng; Thư ký Hội đồng quản trị; Chánh Văn phòng HĐQT, Thành viên Uỷ ban quản lý rủi ro.
Lý do miễn nhiệm là bà đã có đơn xin nghỉ việc.
🡪 Besides, the Board of Directors of PGBank also dismissed Ms. Do Thi Duc Minh from the
position of Deputy General Director from September 19, 2022. Ms. Minh will also no longer
hold the position of Person in charge of Banking Administration; Board Secretary; Chief of
Office of the Board of Directors, Member of Risk Management Committee. The reason for her
dismissal was that she had submitted a resignation letter.
24. Trưởng đại diện của IMF tại Việt Nam và Lào nhấn mạnh, chính sách tiền tệ cần phải rất cẩn
trọng trước những rủi ro lạm phát. Nếu áp lực lạm phát tiếp tục gia tăng, Ngân hàng Nhà nước cần
thắt chặt hơn chính sách tiền tệ và truyền thông rõ ràng bởi những động lực chính sách giúp kiềm
chế lạm phát.
🡪 The IMF's chief representative in Vietnam and Laos emphasized that monetary policy
needs to be very careful against inflation risks. If inflationary pressures continue to increase,
the State Bank needs to tighten monetary policy and communicate clearly because policy
drivers help curb inflation.
25. Bên cạnh chính sách tài khóa, tiền tệ, tài chính, chuyên gia IMF cho rằng để hỗ trợ tăng trưởng
còn cần quan tâm tới các chính sách về cơ cấu. Theo đó, cải cách cơ cấu cần được triển khai bởi qua
đó có thể giúp thúc đẩy tăng trưởng môi trường kinh doanh cũng như cải thiện bằng cách tạo ra một
“sân chơi” bình đẳng trong việc tiếp cận tài chính, đất đai và giảm gánh nặng pháp lý.
🡪 Besides fiscal, monetary and financial policies, IMF experts said that in order to support
growth, it is also necessary to pay attention to structural policies. Accordingly, structural
reforms need to be implemented, which can help promote growth in the business environment
as well as improve by creating a level playing field in access to finance, land and reduce the
legal burden.
41. Như vậy, chỉ trong tháng 9/2022, VietinBank đã ráo riết rao bán nhiều khoản nợ, với tổng giá trị
lên đến hàng trăm tỷ đồng. Hầu hết các khoản nợ đều được ngân hàng rao bán giá khởi điểm thấp
hơn rất nhiều so với dư nợ gốc.Về hoạt động kinh doanh, trong 6 tháng đầu năm 2022, lợi nhuận
trước thuế hợp nhất của VietinBank chỉ tăng 7% so cùng kỳ, đạt gần 11.607,5 tỷ đồng.
🡪 Thus, only in September 2022, VietinBank aggressively sold many debts, with a total value
of up to hundreds of billions of dong. Most of the loans are offered for sale by the bank at a
starting price much lower than the original balance. In terms of business activities, in the first
6 months of 2022, VietinBank's consolidated pre-tax profit increased by only 7% compared to
that of the original balance. same period, reaching nearly 11,607.5 billion dong.
42. Kết thúc quý 2, quy mô tổng tài sản của VietinBank đạt gần 1.691.092 tỷ đồng, tăng 10% so với
đầu năm. Trong đó, cho vay khách hàng đạt hơn 1.238.483 tỷ đồng, tăng 10% và tiền gửi của khách
hàng đạt hơn 1.205.567 tỷ đồng, tăng 4%.Tuy nhiên, chất lượng tín dụng của VietinBank cũng gặp
vấn đề khi lãi dự thu và nợ xấu đều.
🡪 At the end of the second quarter, VietinBank's total assets reached nearly VND 1,691,092
billion, up 10% compared to the beginning of the year. In which, customer loans reached more
than 1,238,483 billion VND, up 10% and customer deposits reached more than 1,205,567
billion VND, up 4%. However, VietinBank's credit quality also encountered problems when
accrued interest and bad debt are equal.
2, English-Vietnamese translation
31. Previously, Military Bank (MB) announced to close the list of existing shareholders for the
share dividend payment on August 23 this year. With more than 3.77 billion outstanding shares, MB
is expected to issue an addition of 755.6 million new shares, thereby raising charter capital from the
current VND37.7 trillion at present to nearly VND45.34 trillion.
🡪 Trước đó, Ngân hàng Quân đội (MB) thông báo chốt danh sách cổ đông hiện hữu để tạm
ứng cổ tức bằng cổ phiếu vào ngày 23/8 năm nay. Với hơn 3,77 tỷ cổ phiếu đang lưu hành, MB
dự kiến sẽ phát hành thêm 755,6 triệu cổ phiếu mới, qua đó nâng vốn điều lệ từ 37,7 nghìn tỷ
đồng hiện nay lên gần 45,34 nghìn tỷ đồng.
32. SHB is also expected to issue more than 400 million shares to pay last year’s dividends to
shareholders, equivalent to a rate of 15 per cent, in Q3 2022 after submitting to the SBV its charter
capital increase plan.
🡪 SHB cũng dự kiến sẽ phát hành hơn 400 triệu cổ phiếu trả cổ tức năm ngoái cho cổ đông,
tương ứng tỷ lệ 15% vào quý 3/2022 sau khi trình NHNN phương án tăng vốn điều lệ.
33. In the first half of August, the SBV approved HDBank to increase charter capital from
VND20.27 trillion to VND25.5 trillion by issuing more than 503 million shares to pay dividends in
2021. The additional capital will be taken from the undistributed after-tax profit until the end of
2021.
🡪 Nửa đầu tháng 8, NHNN chấp thuận cho HDBank tăng vốn điều lệ từ 20,27 nghìn tỷ đồng
lên 25,5 nghìn tỷ đồng thông qua phát hành hơn 503 triệu cổ phiếu trả cổ tức năm 2021.
Nguồn vốn tăng thêm sẽ lấy từ nguồn lợi nhuận sau thuế chưa phân phối lợi nhuận đến hết
năm 2021.
34. Until 1 August 2025, UK financial institutions may solicitate the approval of Viet Nam’s
competent authority (State Bank of Vietnam) to buy shares in one joint-stock commercial bank of
Viet Nam, up to 49 per cent of that enterprise’s chartered capital, except for four commercial banks
of which the Government of Viet Nam currently holds the majority of equity.
🡪 Cho đến ngày 1 tháng 8 năm 2025, các tổ chức tài chính của Vương quốc Anh có thể xin
phép cơ quan có thẩm quyền của Việt Nam (Ngân hàng Nhà nước Việt Nam) để mua cổ phần
của một ngân hàng thương mại cổ phần của Việt Nam, tối đa là 49% vốn điều lệ của doanh
nghiệp đó, ngoại trừ bốn ngân hàng thương mại mà Chính phủ Việt Nam hiện đang nắm giữ
phần lớn vốn cổ phần.
35. UK investors are also permitted to transfer cross-border financial information and financial data
processing. In addition, UK investors can provide cross-border advisory, intermediation, and other
auxiliary financial services (including credit reference and analysis, wealth management,
acquisitions advice, and corporate strategy).
🡪 Các nhà đầu tư Vương quốc Anh cũng được phép chuyển thông tin tài chính xuyên biên
giới và xử lý dữ liệu tài chính. Ngoài ra, các nhà đầu tư Vương quốc Anh có thể cung cấp dịch
vụ tư vấn, trung gian và các dịch vụ tài chính phụ trợ xuyên biên giới (bao gồm tham khảo và
phân tích tín dụng, quản lý tài sản, tư vấn mua lại và chiến lược của công ty).
36. According to experts, the bank's digital transformation journey consists of three steps. The first
is digitisation - converting the traditional process to a digital one; the next is digital transformation -
digitising each part of business, enhancing customer experience; the last is ultimately digital
reinvention
🡪 Theo các chuyên gia, hành trình chuyển đổi số của ngân hàng gồm 3 bước. Thứ nhất là số
hóa - chuyển đổi quy trình truyền thống sang quy trình kỹ thuật số; tiếp đến là chuyển đổi số -
số hóa từng mảng kinh doanh, nâng cao trải nghiệm khách hàng; cuối cùng cuối cùng là tái
tạo kỹ thuật số.

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BỘ ĐỀ THI TIẾNG ANH CHUYÊN NGÀNH

1. My main responsibility is……………..with customers, suppliers and their problems.

4. VP Bank specializes in providing ………services for corporate sector.

5. One of key points of trade finances is …………

6. I am really happy ………our plan because it works as planned.

8. One of the characteristics of an export working capital facility is …………

I.True or False statements. Correct the False

IV. Choose A, B, C or D which would be best

The gains from growing pains

II. True or False

III. Match the words below with their meaning (a-c)

IV. Choose A, B, C or D which would be best

16. An LC is useful when …………………………………………………… is difficult to obtain.

17. I wonder ……………the tickets are on sales yet.

18. Someone………………there's been an accident on the motorway.

19. Remittance is …………………………

III. Choose A, B, C or D which would be best

17. The capital account, includes an economy’s transactions with nonresidents in

18. ………………………the end of the film, we cried a lot.

19. After the accident, he lost his…………….. for the sport.

20. They are black market …………………

24. We enclose our……….., which is a formal request for payment

18. ………………………the end of the film, we cried a lot. (trùng 33)

20. They are black market …………………

22. The loan is…………….in monthly installments.

23. One of the roles of the commercial bank is to…………...

24. It' s important to…………………….between business and pleasure.

25. Banking experts in developed countries defines a commercial bank as a ……………..

A.oriented financial B.profit-oriented C.nonprofit-oriented D.unprofit-oriented

18. To fight against poverty, we need to find…………… to serious unemployment problems.

20. One of the characteristics of an export working capital facility is …………

22. Current account includes …………………………………………

25. He was ………and seriously injured by a gang of youths.

1. A balance sheet consists of assets and liabilities.

II. Answer the questions

9. What is the name of the central bank in England?

III. Choose A, B, C or D which would be best

16. He can ……………a lot of money from this investment.

18. To fight against poverty, we need to find…………… to serious unemployment problems.

20. One of the characteristics of an export working capital facility is …………

21. There has been a wild…………….. in dollars in some past days.

24. Flight VN 89 is leaving from ………………………..15

25. You must supply documents……accordance…..the terms specified in the contract.

Read the passages and answer the questions below.

1. the rate quoted at the end of business day closingrate

III. Choose A, B, C or D which would be best

18. Is the flight……………………or is there a stopover in Rome?

19. Which of the following verbs doesn’t go with “a reservation ”?

20. Sometimes, I go by bus. That…………………..me about 20 minutes.

22. ……………..is the most popular bank account.

24. A deposit account owner is given a ………….

1. a certain positive point Undoubted merit

6. F Giro transaction is a credit transaction because it involves initial credit and

III. Answer the following questions.

17. In multinationals, ……………… positions are often for foreigners.

19. If I had a car, I………………to my parents every week.

22. Components of balances of payments are ……………………………………..

25. Which of the following is used to memorize new words?

III. Choose A, B, C or D which would be best