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Banking bad debt bank account bank card bank charge bank clerks banker bank holiday bank loan bank manager banknote bank statement bank teller bank transfer blank cheque bounce (cheque) cash dispenser cashcard cash point central bank cheque card credit cardBanking crossed cheque current account debit (n, v ) deposit account direct debit external foreign exchange currency overdrawn payable payee payer paying-in slip savings account serial number standing order transfer (n, v) travellers cheque withdrawalCentral bank A nations principal monetary authority, such as the Federal Reserve Bank, which regulates the money supply and credit, issues currency, and manages the rate of exchange.regulating the size of a nations money supply the availability and cost of credit the foreign exchange value of its currency issuing notes to be used as legal tender supervising the operations of the commercial banking system implementing monetary policy issuing notes to be used as legal tender supervising the operations of the commercial banking system implementing monetary policy Central banks act as the fiscal agent of the government, By increasing or decreasing the supply of money and credit, they affect interest rates, thereby influencing the economy.picture verb to imagine something by making an image in your mind Tom, picturing the scene, smiled. Picture the scene - the crowds of people and animals, the noise, the dirt.shuttle a plane, bus, or train that makes regular short journeys between two places He took the Washington - New York shuttle. A shuttle bus operates to and from the beach of San Benedetto. Theres a shuttle service from the city center to the airport.en route on the way en route from/to a flight en route from Tokyo to Sydney en route for (BrE) We stayed there en route for London. Why dont we stop for lunch en route?cheque / check a printed form that you use to pay for something instead of using money,with the amount in words and numbers, the date, the person being paid, and the signature of your name a cheque for 200 pay by cheque cash the cheque (= exchanged it for cash ) stop the cheque (= tell the bank not to pay it ) . bank cheque = bankers cheque personal cheque blank chequefingertip the end of your finger, that is furthest away from your hand She touched his cheek gently with her fingertips. have something at your/their fingertips to have knowledge or information ready and available to use very easily We have all the facts and figures at our fingertips. to his/her fingertips British English in all ways; completely Shes British to her fingertips.financial position situation The company is in a bad financial position because of overproduction and distribution problems.Net position The value of the position subtracting the initial cost of setting up the position. For example, if 100 options where purchased for $1 each and the option is currently trading for $9, the value of the net position is $900 - $100 = $800position the situation that a person or organization is in, or the situation concerning a particular subject The company is in a strong financial position , with more than $7 million in cash and no short-term debt. The investment would weaken the companys competitive position . The new legislation puts the unions in a difficult position . Whats the present position with regard to import restrictions? cash position: the amount of cash that a company has available at a particular time The companys cash position from trading activities appears to be healthy. Net net amount: the final amount that remains after all the other amounts have been taken away net profit (after taxes, costs etc) . net weight (the weight of something without its container) The company reported a net loss of $56 million last year. Vernon estimates the companys net worth at over $8 billion. The United States is a net importer of net result/effect the final result or effect of something The net result will be higher costs to the consumer. adverb He earns $40,000 net. jars of coffee weighing 450 grams net.access verb to find information, especially on a computer The software enables each client to access data from other databases. to be able to use something Many customers now access their accounts using the internet. sterling the system of money in Britain, based on the pound Sterling was trading at $1.6490, up from $1.6470. His salary is paid in pounds sterling. BACS Banks Automated Clearing System ideal for making regular automated payments to repeat customers helping those making more than 150 monthly payments to manage cash flow reducing the likelihood of human error.The advantages of BACS Regular automated payments Reduces time and cost of administering bulk payments Helps manage cash flow and improve financial control Reduces risk of loss, late payment and theft for customers At the enterprise level, BACS can be integrated with an e-commerce b2b purchasing system to allow automated settlement of accounts between organizations. As the BACS process is electronic, it removes the need to write cheques, which can be a costly process, subject to human error. Payments can be made much later in a business day, up to 9pm and are cleared within two business days to any bank account. CHAPS an electronic bank-to-bank same-day value payment made within the UK in either sterling or euro. fast, secure and efficient and the money transferred the same day. irrevocable. one of the largest real-time gross settlement (RTGS) systems in the world. for business-to-business payments; to transfer the purchase price of a house between the bank accounts of those involved; by individuals buying or selling a high-value item, such as a car, who need a secure, urgent, same-day guaranteed payment. standing order British English an arrangement by which a bank pays a fixed amount of money from your account every month, year etc also direct debit an instruction you give your bank to pay money directly out of your account regularly to a particular person or organization cost-effectiveness bringing the best possible profits or advantages for the lowest possible costs cost effective way of doing something the most cost-effective way of reducing carbon dioxide emissions The procedure is quick, easy to use and cost effective.built-in forming a part of something that cannot be separated from it a built-in microphone inbuilt (BrE) an inbuilt quality, feature etc is part of the nature of someone or something plants with inbuilt resistance to disease History has an inbuilt tendency to repeat itself.kept to a minimum keep something to something to prevent an amount, degree, or level from becoming higher than it should keep/reduce something to a minimum Costs must be kept to a minimum . She had reduced her consumption of fat and sugar to an absolute minimum.designate to choose someone or something for a particular job or purpose Mr Timmer has been designated to succeed Mr van der Klugt. The government designated the aircraft industry as a strategic sector. be designated something designate something as/for something Funds were designated for projects in low-income areas. designate somebody to do something She has been designated to take over the position of treasurer.dovetail to fit together perfectly or to make two plans, ideas etc fit together perfectly dovetail with My vacation plans dovetail nicely with Joyces. to join two pieces of wood by means of dovetail joints a type of joint fastening two pieces of wood together the Sage Group, New Castle, UK one of the worlds largest providers of accounting and payroll software for small and midsized businesses, designs its software to suit the specific accounting laws and practices in different countries. offering software applications for financial planning, billing, contact management, e-commerce, customer relationship management (CRM), and human resources management. providing a variety of services such as consulting, support, maintenance, and training. template a thin sheet of plastic or metal in a special shape or pattern, used to help cut other materials in a similar shape (technical) a computer document containing some basic information that you use as a model for writing other documents, such as business letters, envelopes etc written something that is used as a model for another thing beneficiary someone who gets advantages from an action or change The rich were the main beneficiaries of the tax cuts. someone who receives money or property from someone else who has died He was the chief beneficiary of his fathers will.Vocabulary 1Across 1. DIRECT DEBITS 6. NET 9. WAGES 10. ROUTINE 12. COST 18. FIT 20.FOREIGN CURRENCYVocabulary 1 Down 1. DISTRIBUTION 2. BANKING 3. TRANSACTIONS 5. REPORTING 7. URGENT 8. DATA 11. CONTROL 13. TRANSFER 14. FUNDS 15. PRICE 16. OPEN 19. PAYVocabulary 2 2. deposit 3. cheque 4. debit 5. cash 6. payment 7. debit card 8. credit 9. transactions 10. balanceVocabulary 3 boot up laptop download search criterion processing software value added tax id est = that is limited per annum = every year as soon as possible exempli gratia = for example I owe you ( a note) managing director annual general meeting / GM Swiss franc corporation not applicable any other business pay as you earn chief executive officer public limited company Greenwich Mean Time ante meridiem = before midday admin. approx. Av ea. enc. / encl. Inc. incl. misc. mo. Ref. Sq. St.Abbreviations bkg cfm dept doz / dz ft. Mktg. pd. pls. qty. Rd Recd Attn et al etc lb / lbs N.B. oz. p.p. RSVP reAbbreviations a/c b/f c.c. c/o C.O.D. GDP H.P. PA PC PDQ p.m. POB PS PTO SAE TM VSOPVSOP = very special old pale
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