Q - L諲GUA INGLESA

QUESTÕES
LÍNGUA INGLESA - BANCO DO BRASIL - 50 QUESTÕES
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Boa sorte!
Questão 1
Robots, the next generation of soccer players
If you think a robot will steal your job, you are not alone. Soccer players should be worried
too. The next Messi probably won’t be of flesh and blood but plastic and metal.
The concept emerged during the conference “Workshop on grand challenges in artificial
intelligence,” held in Tokyo in 1992, and independently, in 1993, when Professor Alan
Mackworth from the University of Bristol in Canada described an experiment with small
soccer players in a scientific article.
Over 40 teams already participated in the first RoboCup tournament in 1997, and the
competition is held every year. The RoboCup Federation wants to play and win a game
against a real-world cup humans’ team by 2050.
The idea behind artificially intelligent players is to investigate how robots perceive motion
and communicate with each other. Physical abilities like walking, running, and kicking the
ball while maintaining balance are crucial to improving robots for other tasks like rescue,
home, industry, and education.
Designing robots for sports requires much more than experts in state-of-the-art
technology. Humans and machines do not share the same skills. Engineers need to impose
limitations on soccer robots to imitate soccer players as much as possible and ensure
following the game’s rules.
RoboCup Soccer Federation, the “FIFA” of robots, which supports five leagues, imposes
restrictions on players’ design and rules of the game. Each has its own robot design and
game rules to give room for different scientific goals. The number of players, their size, the
ball type, and the field dimensions are different for each league.
In the humanoid league the players are humanlike robots with human-like senses.
However, they are rather slow. Many of the skills needed to fully recreate actual soccer
player movements are still in the early stages of research.
The game becomes exciting for middle and small size leagues. The models are much
simpler; they are just boxes with a cyclopean eye. Their design focuses on team behavior:
recognizing an opponent, cooperating with team members, receiving and giving a
standard FIFA size ball.
Today, soccer robots are entirely autonomous. They wireless “talk” to each other, make
decisions regarding strategy in real-time, replace an “injured” player, and shoot goals. The
only person in a RoboCup game is the referee. The team coaches are engineers in charge
of training the RoboCups’ artificial intelligence for fair play: the robots don’t smash against
each other or pull their shirts.
The next RoboCup competition will soon be played, virtually, with rules that will allow
teams to participate without establishing physical contact.
Available at:<https://www.ua-magazine.com/2021/05/12/robots-the-
-next-generation-of-soccer-players>. Retrieved on: July 4th, 2021.
Adapted.
In the text fragment of the sixth paragraph “RoboCup Soccer Federation, the “FIFA” of
robots, which supports five leagues, imposes restrictions on players’ design and rules of
the game”, the word which refers to
a) game
b) FIFA
c) players
d) leagues
e) RoboCup Soccer Federation

Questão 2
Adapted.
In paragraph 7, the word However in the fragment “In the humanoid league, the players
are human-like robots with human-like senses. However, they are rather slow” can be
replaced, without change in meaning, by
a) unless
b) indeed
c) furthermore
d) nevertheless
e) consequently
Questão 3
Revolution Accelerated
How Digital Transformation is Shaping the Future of Banking
Like all businesses, banks have had to act fast to respond to the unprecedented human and
economic impact of Covid-19.
First, they needed to keep the lights on and ensure business continuity. Second, they had
to meet the changing ways customers wanted to engage. Finally, they sought to balance
their business priorities with a responsibility to support society. Previous crises cast the
banks as part of the problem — this time they are part of the solution.
Banks who have embraced modern banking technology have fared better in meeting these
challenges. They’ve moved seamlessly to remote working, kept up service for their
customers, coped with huge increases in demand and quickly adapted their products. In
contrast, banks using legacy ‘spaghetti’ software have struggled.
Covid-19 has accelerated the need for modern banking technology, but it didn’t create it.
Before coronavirus, the 2020s were already being framed as the decade for digital in the
banking industry. Banks’ return on equity were too low and their cost-income ratios were
too high. Meanwhile, regulation like open banking was disrupting the industry and
increasing competition from new entrants like the GAAFAs (Google, Amazon, Alibaba,
Facebook, Apple).
Providing seamless digital customer experiences was therefore already a ‘must’. Every year,
Temenos partners with the Economist Intelligence Unit (EIU) for a global study on the
future of banking. More than 300 banking leaders are interviewed from retail, commercial
and private banks. Over half of these are at C-suite level.
In 2020, the study took place amid the Covid-19 crisis. The results give a fascinating insight
into banking leaders’ approach during these unprecedented times. But they also show how
they see their industry in the years to come.
And the findings suggest three trends which will shape the future of banking:
1. New technologies will be the key driver of banking transformation over the next 5
years. 77% of respondents strongly believed that Artificial Intelligence (AI) will be the
most game-changing of these technologies. They see a diverse range of uses for AI
— from personalised customer experience to fraud detection.
2. Banks will overhaul their business models to create digital ecosystems. 80% of
respondents believe that banking will become part of a platform of services. 45% are
committed to transforming their business models into digital ecosystems.
3. The sun will set on branch banking. World Bank data shows that visits to branches
have been steadily declining globally over the last decade. As a result of coronavirus,
customers are now more concerned about visiting their branch, and so even more
people are willing to try digital applications. This combination of pandemic and
increasingly transformative advanced technology has led a majority of respondents
(59%) to our survey with the EIU to state that traditional branch-based banking
model will be dead in just five years. That’s a 34% increase from last year.
The current environment is undoubtedly challenging for banks. But they have the capital,
customer relationships and customer data. They are regulated. And most importantly: they
still enjoy their customers’ trust.
In short, banks are best-placed to succeed if they commit to end-to-end digital

transformation. That means a fully digital front office which creates hyper-personalized
experiences and ecosystems. And a back office driving efficient operations and rapid
innovation. By embracing modern banking technology, banks can support their customers
today, create new value for the future and drive new levels of future growth.
Available at: <https://www.cnbc.com/advertorial/how-digital-
-transformation-is-shaping-the-future-of-banking>. Retrieved on:
July 13th, 2021. Adapted.
In paragraph 6, the personal pronoun they, used twice in the sentence “But they also show
how they see their industry in the years to come”, refers to the following fragment at the
same paragraph:
a) the study
b) the results
c) banking leaders
d) Covid-19 crisis
e) unprecedented times
Questão 4
Facebook, Apple).

In the sentence of the last paragraph “In short, banks are best-placed to succeed if they
commit to end-to-end digital transformation”, the phrase In short conveys an idea of
a) cause
b) addition
c) emphasis
d) conclusion
e) time sequence
Questão 5
U.S. Finds No Evidence of Alien Technology

in Flying Objects, but can’t rule it out, either
WASHINGTON — American intelligence officials have found no evidence that aerial

phenomena observed by Navy pilots in recent years are alien spacecraft, but they still
cannot explain the unusual movements that have mystified scientists and the military.
The report determines that a vast majority of more than 120 incidents over the past two
decades did not originate from any American military or other advanced US government
technology, the officials said. That determination would appear to eliminate the possibility
that Navy pilots who reported seeing unexplained aircraft might have encountered
programs the government meant to keep secret.
But that is about the only conclusive finding in the classified intelligence report, the
officials said. And while a forthcoming unclassified version, expected to be released to
Congress by June 25, will present few other firm conclusions, senior officials briefed on the
intelligence conceded that the very ambiguity of the findings meant the government could
not definitively rule out theories that the phenomena observed by military pilots might be
alien spacecraft.
Americans’ long-running fascination with UFOs has intensified in recent weeks in

anticipation of the release of the government report. Former President Barack Obama
encouraged the interest when he gave an interview last month about the incidents on “The
Late Late Show with James Corden” on CBS.
“What is true, and I’m really being serious here,” Mr. Obama said, “is that there is film and
records of objects in the skies that we don’t know exactly what they are.’’
The report concedes that much about the observed phenomena remains difficult to
explain, including their acceleration, as well as ability to change direction and submerge.
One possible explanation — that the phenomena could be weather balloons or other
research balloons — does not hold up in all cases, the officials said, because of changes in
wind speed at the times of some of the interactions.
Many of the more than 120 incidents examined in the report are from Navy personnel,
officials said. The report also examined incidents involving foreign militaries over the last
two decades. Intelligence officials believe that at least some of the aerial phenomena could
have been experimental technology from a rival power, most likely Russia or China.
One senior official said without hesitation that U.S. officials knew it was not American
technology. He said there was worry among intelligence and military officials that China or
Russia could be experimenting with hypersonic technology.
He and other officials spoke about the classified findings in the report on the condition of
anonymity.
Available at: <https://www.nytimes.com/2021/06/03/us/politics/
ufos-sighting-alien-spacecraft-pentagon.html>. Retrieved on:
July 7, 2021.
In the 2nd paragraph of the text, in the fragment “That determination would appear to
eliminate the possibility that Navy pilots who reported seeing unexplained aircraft”, the
word who refers to
a) alien
b) military
c) officials
d) scientists
e) Navy pilots
Questão 6

alien spacecraft.

anonymity.
July 7, 2021.
In the 6th paragraph of the text, the highlighted expression as well as, in the fragment “as
well as ability to change direction and submerge” is associated with the idea of
a) time
b) addition
c) purpose
d) condition
e) consequence
Questão 7
COVID-19 Economy: Expert insights on what
you need to know
As we practice social distancing and businesses struggle to adapt, it’s no secret the unique
challenges of Covid-19 are profoundly shaping our economic climate. U.S. Bank financial
industry and regulatory affairs expert Robert Schell explains what you need to know in this
uncertain time.
• Don’t panic while things are “on pause”
Imagine clicking the pause button on your favorite TV show. Whether you stopped to make
dinner or put kids to bed, hitting pause gives you time to tackle what matters most. Today’s
economy is similar. While we prioritize health and safety, typical activities like driving to
work, eating at restaurants, traveling and attending sporting events are on hold. This
widespread social distancing takes a toll on our economy, putting strain on businesses and
individuals alike.
Keep your financial habits as normal as possible during this time. Make online purchases,
order takeout, pay bills and buy groceries. These everyday purchases put money back into
the economy and prevent it from dipping further into a recession.
• Low interest rates could help make ends meet
In March, the Federal Reserve cut rates drastically to boost economic activity and make
borrowing more affordable. For you, this means interest rates are low for credit cards, loans
and lines of credit, and even fixed-rate mortgages. Consider taking advantage of these low
rates if you need extra help paying your bills, keeping your business running or
withstanding a period of unemployment.
• Spend on small businesses
Looking to make a positive impact? Supporting small businesses is an easy and powerful
way to help. You can order takeout, tip generously or donate to your local brick-and-
mortar retail store, if they provide that option. Your support makes a big impact for
struggling business owners.
• Prior economic strength may help us bounce back
The thriving economy of 2019 isn’t just a distant, bittersweet memory. When our health is
no longer at risk and social distancing mandates begin to diminish, we’ll slowly start to
rebuild. The stability, low unemployment rate and upward-trending market we experienced
prior to Covid-19 puts us in a good position to kick-start economic activity and rebound
more quickly.
Available at <https://www.usbank.com/fi nancialiq/ manage-your-
-household/personal-finance/covid-economy-expert-insights.
html>. Retrieved on: Jul. 20, 2021. Adapted.
In the 3rd paragraph, in the fragment “These everyday purchases put money back into the
economy and prevent it from dipping further into a recession”, the pronoun it refers to
a) money
b) purchases
c) recession
d) economy
e) back
Questão 8
Bank Clerk Job Description
Definition and Nature of the Work
Banks simplify people’s lives, but the business of banking is anything but simple. Every
transaction — from cashing a check to taking out a loan — requires careful record keeping.
Behind the scenes in every bank or savings and loan association there are dozens of bank
clerks, each an expert at keeping one area of he bank’s business running smoothly.
New account clerks open and close accounts and answer questions for customers. Interest
clerks record interest due to savings account customers, as well as the interest owed to the
bank on loans and other investments. Exchange clerks, who work on international
accounts, translate foreign currency values into dollars and vice versa. Loan clerks sort and
record information about loans. Statement clerks are responsible for preparing the monthly
balance sheets of checking account customers. Securities clerks record, file, and maintain
stocks, bonds, and other investment certificates. They also keep track of dividends and
interest on these certificates.
Other clerks operate the business machines on which modern banks rely. Proof operators
sort checks and record the amount of each check. Bookkeeping clerks keep records of each
customer’s account. In addition to these specialists, banks need general clerical help —
data entry keyers, file clerks, mail handlers, and messengers — just as any other business
does.
Education and Training Requirements
Bank clerks usually need a high school education with an emphasis on basic skills in typing,
bookkeeping, and business math. Knowledge of computers and business machines is also
helpful. Prospective bank workers may be tested on their clerical skills when they are
interviewed. Most banks provide new employees with on-the-job training.
Getting the Job
Sometimes bank recruiters visit high schools to look for future employees. High school
placement offices can tell students whether this is the practice at their school. If not,
prospective bank workers can apply directly to local banks through their personnel
departments. Bank jobs may be listed with state and private employment
agencies. Candidates can also check Internet job sites and the classified ads in local
newspapers as well.
Advancement Possibilities and Employment Outlook
Banks prefer to promote their employees rather than hire new workers for jobs that require
experience. Clerks frequently become tellers or supervisors. Many banks encourage their
employees to further their education at night.
According to the U.S. Bureau of Labor Statistics, employment of bank clerks was expected
to decline through the year 2014, because many banks are electronically automating their
systems and eliminating paperwork as well as many clerical tasks. Workers with knowledge
of data processing and computers will have the best opportunities. In addition to jobs
created through expansion, openings at the clerical level often occur as workers move up
to positions of greater responsibility.
Working Conditions
Although banks usually provide a pleasant working atmosphere, clerks often work alone, at
times performing repetitive tasks. Bank clerks generally work between thirty-five and forty
hours per week, but they may be expected to take on evening and Saturday shifts
depending on bank hours.
Earnings and Benefits
The salaries of bank clerks vary widely depending on the size and location of the bank and
the clerk’s experience. According to the Bureau of Labor Statistics, median salaries ranged
from $23,317 to $27,310 per year in 2004 depending on experience and title. Generally,
loan clerks are on the high end of this range, whereas general office clerks are on the lower
end.
Banks typically offer their employees excellent benefits. Besides paid vacations and more
than the usual number of paid holidays, employees may receive health and life insurance
and participate in pension and profit-sharing plans. Some banks provide financial aid so
that workers can continue their education.
Available at: <http://careers.stateuniversity.com/pages/151/

Bank-Clerk.html>. Retrieved on: Aug. 22, 2017. Adapted.
In “Candidates can also check Internet job sites and the classified ads in local newspapers
as well”, the modal verb can is replaced, without change in meaning, by
a) should
b) must
c) will
d) may
e) need
Questão 9
The next question is related to the text below.
Bitcoin, the world’s leading cryptocurrency, ended 2015 as the year’s best-performing
currency. Achieving this recognition has not always been plain sailing, however. Its
association with crime – namely money laundering and narcotics(a) through the online
black market Silk Road – as well as an alarming amount of price volatility has left regulators
and financial-market participants wary of its potential implications, and therefore reluctant
to embrace it wholesale thus far. Recent attention, moreover, has been focused more
towards bitcoin’s underlying payment system than on the value of the currency itself. The
technology underpinning bitcoin operates using a decentralized payment system, which
means that a payment between two parties is direct and relies on reliable copies of the
ledger being distributed to a vast network of bitcoin users around the world, who can
verify any changes which makes the ledger considerably more secure – and less subject to
nefarious manipulation, which relies on the trust of one central entity. As digital
currencies(b) emerge, therefore, the preference for decentralised payment systems would
ostensibly render the banking intermediary redundant, which raises pertinent questions
regarding the role(c) – or lack thereof – of central banks. It should be stressed that the
overall value of bitcoins is negligible in comparison to the value of notes and coins, and
therefore is unlikely to make noticeable dents in any financial system. However,
the potential impact of the digital currency is not being taken lightly. It could disrupt the
ability of central banks to exert control over the economy, as well as to issue money,
although such concern was explicitly based on the assumption that “widespread adoption”
would reduce the functions of a central body. At this stage, most central banks(d) are
closely noting developments in the growth of bitcoin and proposing the issuance of a
digital version of their fiat currencies has been the way some of them have already
responded.
From: The Impact of Bitcoin on Central Banks acesso

em 27/12/2107 https://internationalbanker.com/banking/
impact-bitcoin-central-banks/ April 11,
2016emily.frost@internationalbanker.com
Which of the following segments has the same grammar function as Achieving this
recognition.
a) money laundering and narcotics
b) As digital currencies
c) questions regarding the role
d) most central banks
e) the issuance of a digital version
Questão 10
Why Millennials Don’t Like Credit Cards
by Holly Johnson
Cheap, easy credit might have been tempting to young people in the past, but not to
today’s millennials. According to a recent survey by Bankrate of over 1,161 consumers, 63%
of adults ages 18 to 29 live without a credit card of any kind, and another 23% only carry
one card.
The Impact of the Great Recession
Research shows that the environment millennials grew up in might have an impact on their
finances. Unlike other generations, millennials lived through economic hardships during a
time when their adult lives were beginning. According to the Bureau of Labor Statistics, the
Great Recession caused millennials to stray from historic patterns when it comes to
purchasing a home and having children, and a fear of credit cards could be another
symptom of the economic environment of the times.
And there’s much data when it comes to proving that millennials grew up on shaky
economic ground. The Pew Research Center reports that 36% of millennials lived at home
with their parents in 2012. Meanwhile, the unemployment rate for people ages 16 to 24
was 14.2% (more than twice the national rate) in early 2014, according to the BLS. With
those figures, it’s no wonder that millennials are skittish when it comes to credit cards. It
makes sense that young people would be afraid to take on any new forms of debt.
A Generation Plagued with Student Loan Debt
But the Great Recession isn’t the only reason millennials could be fearful of credit. Many
experts believe that the nation’s student loan debt level might be related to it. According
to the Institute for College Access & Success, 71% of millennials (or 1.3 million students)
who graduated from college in 2012 left school with at least some student loan debt, with
the average amount owed around $29,400.
With so much debt already under their belts, millennials are worried about adding any
credit card debt to the pile. After all, many adults with student loan debt need to make
payments for years, and even decades.
How Millennials Can Build Credit Without a Credit Card
The fact that millennials are smart enough to avoid credit card debt is a good thing, but
that doesn’t mean the decision has its drawbacks. According to Experian, most adults need
a positive credit history in order to qualify for an auto loan or mortgage. Even worse,
having no credit history is almost as bad as having a negative credit history in some cases.
Still, there are plenty of ways millennials can build a credit history without a credit card. A
few tips:
• Make payments on installment loans on time. Whether it’s a car loan, student loan
or personal loan, make sure to mail in those payments on time and pay at least the
minimum amount required.
• Put at least one household or utility bill in your name. Paying your utility or
household bills on time can help you build a positive credit history.
• Get a secured credit card. Unlike traditional credit cards, the funds secured credit
cards offer are backed by money the user deposits. Signing up for a secured card is
one way to build a positive credit history without any risk.
The fact that millennials are leery of credit cards is probably a good thing in the long run.
After all, not having a credit card is the perfect way to stay out of credit card debt. Even
though it might be harder to build a credit history without credit cards, the vast majority of
millennials have decided that the plastic just isn’t worth it.
Available at: <http://money.usnews.com/money/blogs/my-money/2014/11/04/why-millennials-dont-like-creditcards>. Retrieved on:
Nov. 10th, 2014. Adapted.
In the sentence of the text “Still, there are plenty of ways millennials can build a credit
history without a credit card”, the quantifier plenty of can be replaced, with no change in
meaning, by
a) some
b) few
c) a few
d) a little
e) lots of
Questão 11
Financial System
People have virtually unlimited needs, but the economic resources to supply those needs
are limited. Therefore, the greatest benefit of an economy is to provide the most desirable
consumer goods and services in the most desirable amounts - what is known as the
efficient allocation of economic resources. To produce these consumer goods and services
requires capital in the form of labor, land, capital goods used to produce a desired product
or service, and entrepreneurial ability to use these resources together to the greatest
efficiency in producing what consumers want most. Real capital consists of the land, labor,
tools and machinery, and entrepreneurial ability to produce consumer goods and services,
and to acquire real capital costs money.
The financial system of an economy provides the means to collect money from the people
who have it and distribute it to those who can use it best. Hence, the efficient allocation of
economic resources is achieved by a financial system that allocates money to those people
and for those purposes(c) that will yield the greatest return(d).
The financial system is composed of the products and services(e) provided by financial
institutions(a), which include banks, insurance companies, pension funds, organized
exchanges, and the many other companies (b) that serve to facilitate economic transactions.
Virtually all economic transactions are effected by one or more of these financial
institutions. They create financial instruments, such as stocks and bonds, pay interest on
deposits, lend money to creditworthy borrowers, and create and maintain the payment
systems of modern economies.
These financial products and services are basedon the following fundamental objectives of
any modern financial system:
• to provide a payment system;

• to give money time value;
• to offer products and services to reduce financial risk or to compensate risk-taking
for desirableobjectives;
• to collect and disperse information that allows the most efficient allocation of
economic resources;
• to create and maintain financial markets that provide prices, which indicates how
well investments are performing, which also determines the subsequent allocation
of resources, and to maintain economic stability.
Available at: <http://thismatter.com/money/banking/ financial-system.htm>. Retrieved on: July 27th, 2015. Adapted.
The relative pronoun which in the fragment of the text “which include banks, insurance
companies, pension funds, organized exchanges, and the many other companies” refers to
a) financial institutions
b) other companies
c) purposes
d) return
e) products and services
Questão 12

Adapted.
According to the second paragraph, the concept of robotic soccer players emerged
a) in 1997
b) in the 1990s
c) before the 1990s
d) in the beginning of the 20th century
e) in the beginning of the 21st century
Questão 13
Adapted.
In paragraph 9, there is the information that in RoboCup competitions the game referee
and the team coaches are
a) humanoids
b) computers
c) real people
d) robotic engineers
e) virtual mechanisms
Questão 14
Facebook, Apple).

The overall purpose of the text is
a) to explain how the banking industry works.
b) to discuss the impact of the coronavirus pandemic on the health system.
c) to launch new investment opportunities in the banking industry.

d) to state that digital transformation in banking has been accelerated by the coronavirus
pandemic.
e) to promote new AI technology that will change the future of banking.
Questão 15
Facebook, Apple).

According to the 2nd paragraph of the text, after the Covid-19 outbreak, banks initially had
to face the following number of challenges:
a) 1
b) 2
c) 3
d) 4
e) 5
Questão 16
Facebook, Apple).

From the sentence of the last paragraph, “By embracing modern banking technology,
banks can support their customers today, create new value for the future and drive new
levels of future growth”, it is inferred that
a) banks cannot grow after the coronavirus pandemic.
b) modern banking technology can help reshape the present and the future of banks.
c) modern technology can frustrate the present and the future of the banking industry.
d) as result of the coronavirus pandemic, banks will not be able to meet customers’
demands in the future.
e) due to the coronavirus pandemic, banks are not able to meet customers’ expectations
in the present.
Questão 17

alien spacecraft.

anonymity.
July 7, 2021.
One of the purposes of the text is to confirm that the report determines the
a) existence of life on other planets
b) imminent possibility of aliens’ attack
c) superiority of American technology
d) authorities’ ignorance about unusual aircraft
e) danger of enemy nations’ attacks to the US

Questão 18

alien spacecraft.

anonymity.
July 7, 2021.
In the 7th paragraph of the text, in the fragment “Intelligence officials believe that at least
some of the aerial phenomena could have been experimental technology from a rival
power, most likely Russia or China”, the report’s authors express
a) strong desire
b) irrefutable fact
c) equivocal probability
d) reasonable possibility
e) unrealistic hypothesis
Questão 19

alien spacecraft.

anonymity.
July 7, 2021.
After reading the last paragraph of the text “He and other officials spoke about the
classified findings in the report on the condition of anonymity”, one can infer that the
officials
a) kept secrets.
b) hid their names.
c) invented stories.
d) omitted the truth.
e) said who they were.
Questão 20
you need to know

uncertain time.
individuals alike.

more quickly.
The main purpose of the text is to
a) share ideas on how people can cope with the challenges brought by the pandemic.
b) teach people how to practice social distancing while shopping at local businesses.
c) encourage people to take loans in order to make donations to brick-and-mortar retail

stores.
d) let people know that health concerns are not as important as taking care of one’s
finances.
e) suggest that people should engage in diversified activities instead of watching too
much TV.
Questão 21
you need to know
uncertain time.
individuals alike.
more quickly.

In the 1st paragraph, in the fragment “it’s no secret the unique challenges of Covid-19 are
profoundly shaping our economic climate”, the expression it’s no secret (that) means
a) it’s common knowledge.
b) it’s never been said before.
c) it’s partially true.
d) it’s a bad idea.
e) it’s an important revelation.
Questão 22
you need to know
uncertain time.
individuals alike.
more quickly.
In the 4th paragraph, in the fragment “In March, the Federal Reserve cut rates drastically to
boost economic activity”, the verb cut indicates a
a) habitual action repeatedly carried out by the Federal Reserve to address certain
economic situations.
b) future action to be carried out by the Federal Reserve to address possible problems.
c) promised action to be carried out by the Federal Reserve to address the present
economic challenges.
d) one-time action carried out by the Federal Reserve to address the present situation.
e) current action carried out by the Federal Reserve to address a permanent situation.
Questão 23
does.

Getting the Job
departments. Bank jobs may be listed with state and private employment agencies.
Candidates can also check Internet job sites and the classified ads in local newspapers as
well.
Working Conditions

end.

a) introduce the many categories of bank clerks one can find in a financial institution.
b) present an overview of the career of a bank clerk to an eventual future professional.
c) denounce the disadvantages associated with the clerk profession.
d) discuss all the benefits offered to employees who work in a bank.
e) ask for changes in the way bank recruiters select their future employees.
Questão 24
does.
Getting the Job
newspapers as well.
Working Conditions
end.

The fragment “Banks simplify people’s lives, but the business of banking is anything but
simple” means that banking is a(n)
a) ordinary occupation
b) elementary job
c) complex activity
d) trivial profession
e) easy business
Questão 25
Other clerks operate the business machines on which modern banks rely. Proof
operators(c) sort checks and record the amount of each check. Bookkeeping clerks(c) keep
records of each customer’s account. In addition to these specialists, banks need general
clerical help — data entry keyers(d), file clerks(e), mail handlers(b), and messengers(a) — just
as any other business does.

Getting the Job
newspapers as well.
Working Conditions

end.

In “In addition to these specialists, banks need general clerical help”, the
phrase these specialists refers to
a) “messengers”
b) “mail handlers”
c) “proof operators” and “bookkeeping clerks”
d) “data entry keyers”
e) “file clerks”
Questão 26
association with crime – namely money laundering and narcotics ____ the online black
market Silk Road – as well as an alarming amount of price volatility has left regulators and
financial-market participants wary of its potential implications, and ____ reluctant to
embrace it wholesale thus far. Recent attention, moreover, has been focused more towards
bitcoin’s underlying payment system than on the value of the currency itself. The
means that a payment between two parties is direct and relies ____ reliable copies of the
verify any changes which makes the ledger considerably more secure – and ____ subject to
nefarious manipulation, which relies on the trust of one central entity. As digital currencies
emerge, therefore, the preference for decentralised payment systems would ostensibly
render the banking intermediary redundant, which raises pertinent questions regarding the
role – or lack thereof – of central banks. It should be stressed that the overall value of
bitcoins is negligible in comparison to the value of notes and coins, and therefore is
unlikely to make noticeable dents in any financial system. However, the potential impact of
the digital currency is not being taken lightly. It could disrupt the ability of central banks to
exert control over the economy, as well as to issue money, although such concern was
explicitly based on the assumption that “widespread adoption” would reduce the functions
of a central body. At this stage, most central banks are closely noting developments in the
growth of bitcoin and proposing the issuance of a digital version of their fiat currencies has
been the way some of them have already responded.

Select the correct statement about the text.
a) Today, the main concern caused by the increasing use and widespread acceptance of
bitcoin is related to the high instability of its prices, and to its connections with the black
market.
b) The association of bitcoin with drug trafficking and with the digital black market has
granted it prominency and renown in spite of its price volatility.
c) Since 2015 bitcoin has been sustaining the online e-commerce and laundering dirty
money.
d) The decentralized paying system created by cryptocurrencies has affected the stability
of the usual control exerted by the central banks.
e) In face of the new phenomenum of the cryptocurrencies, new versions of digital

currencies are being considered by the central banks.
Questão 27
association with crime – namely money laundering and narcotics through the online black
financial-market participants wary of its potential implications, and therefore reluctant to

The words its, who and It refer, respectively, to
a) bitcoin – users – impact.
b) black market – two parties – financial system.
c) financial market – ledger – value.

d) price volatility – ledger copies – currency.
e) money laundering – network – bitcoin.
Questão 28

Select the alternative that could replace the segment Achieving this recognition has not
always been plain sailing, however without change in meaning.
a) Reaching such position, therefore, has not always been a simple process.
b) Usually, success is not easily achieved.
c) The fact that it has been acknowledged as such, however, doesn’t mean that it hasn’t
undergone difficulties.
d) Being always acknowledged as a great success has, at times, been hard.
e) To fight for the status of best-performing cryptocurrency has always demanded a great
effort.
Questão 29
nefarious manipulation, which relies on the trust of one central entity. As digital
currencies emerge, therefore, the preference for decentralised payment systems would
ostensibly render the banking intermediary redundant, which raises pertinent questions
regarding the role – or lack thereof – of central banks. It should be stressed that the overall
value of bitcoins is negligible in comparison to the value of notes and coins, and therefore
is unlikely to make noticeable dents in any financial system. However, the potential impact
of the digital currency is not being taken lightly. It could disrupt the ability of central banks
to exert control over the economy, as well as to issue money, although such concern was

Consider whether the statements below are true (T) or false (F), according to the text.
( ) When compared to the value of notes and coins, the overall value of bitcoin is very
low.
( ) The impact caused by bitcoin is provoking many changes in the bank systems
globally.
( ) The ample adoption of bitcoin is the best response to the impact exerted by the
cryptocurrencies on world economy.
( ) A global network of users may offer a safer and more efficient control over the
payment systems than the central banks.
The sequence that adequately fills in the parentheses, from top to bottom, is
a) T – T – F – F.
b) F – F – T – T.
c) T – F – F – T.
d) F – F – T – F.
e) T – T – F – T.
Questão 30

by Holly Johnson
one card.

a positive credit history in order to qualify for an auto loan or mortgage. Even
worse, having no credit history is almost as bad as having a negative credit history in some
cases.
few tips:

a) explain the millennials’ credit card affection.
b) defend the millennials’ fear of credit card use.
c) describe the millennials’ attitude towards the credit card.
d) present the millennials’ credit card historical background.
e) demonstrate the millennials’ need of credit card use to build a credit history.
Questão 31
by Holly Johnson
one card.
a positive credit history in order to qualify for an auto loan or mortgage. Even
worse, having no credit history is almost as bad as having a negative credit history in some
cases.
few tips:

The sentence of the text “With so much debt already under their belts, millennials are
worried about adding any credit card debt to the pile” conveys the idea that millenials
have
a) piles of bills to pay every month, but they can use their credit cards moderately.
b) so many bills to pay that credit card bills wouldn’t make much difference.
c) so many bills to pay that they have to sell their belongings.
d) so much debt to pay that they can’t afford another one.

e) no credit cards simply because they don’t like them.
Questão 32
Financial System
People have virtually unlimited needs, but the economic resources to supply those needs
are limited. Therefore, the greatest benefit of an economy is to provide the most desirable
consumer goods and services in the most desirable amounts - what is known as the
efficient allocation of economic resources. To produce these consumer goods and services
requires capital in the form of labor, land, capital goods used to produce a desired product
or service, and entrepreneurial ability to use these resources together to the greatest
efficiency in producing what consumers want most. Real capital consists of the land, labor,
tools and machinery, and entrepreneurial ability to produce consumer goods and services,
and to acquire real capital costs money.
The financial system of an economy provides the means to collect money from the people
who have it and distribute it to those who can use it best. Hence, the efficient allocation of
economic resources is achieved by a financial system that allocates money to those people
and for those purposes that will yield the greatest return.
The financial system is composed of the products and services provided by financial
institutions, which include banks, insurance companies, pension funds, organized
exchanges, and the many other companies that serve to facilitate economic transactions.
Virtually all economic transactions are effected by one or more of these financial
institutions. They create financial instruments, such as stocks and bonds, pay interest on
deposits, lend money to creditworthy borrowers, and create and maintain the payment
systems of modern economies.
These financial products and services are basedon the following fundamental objectives of
any modern financial system:
• to provide a payment system;

• to give money time value;
• to offer products and services to reduce financial risk or to compensate risk-taking
for desirableobjectives;
• to collect and disperse information that allows the most efficient allocation of
economic resources;
• to create and maintain financial markets that provide prices, which indicates how
well investments are performing, which also determines the subsequent allocation
of resources, and to maintain economic stability.
Available at: <http://thismatter.com/money/banking/ financial-system.htm>. Retrieved on: July 27th, 2015. Adapted.
From the sentence of the text “The financial system of an economy provides the means to
collect money from the people who have it and distribute it to those who can use it best”,
it can be inferred that people who
a) can use the money most efficiently are those who have much money.
b) operate the financial system of an economy collect and distribute money the best way.
c) receive the distributed money don’t know how to use it best.
d) have much money and know how to use it best are the same.
e) operate the financial system of an economy collect themoney and keep it.
Questão 33
O texto abaixo afirma que:
“Developers seem to agree that one of the most important qualities of code is its
readability. Code that’s written in a way that makes it easy for other programmers to
understand with a minimal amount of time and effort is considered top notch.
“I feel that if I can’t understand the author’s intent in 5 minutes or less, the coder did a bad
job,” said Luke Burnham, a senior software engineer at Lionbridge. “The computer doesn’t
care about variable names or line spacing but people do. Code is written once but read
hundreds of times over its lifetime. Using meaningful variable names and injecting spaces
in order to increase the readability of the code will make code better.”
An anonymous senior web application developer with more than a decade of professional
programming experience also recommended to me that writing good code means,
“Following a consistent coding style (proper spacing, indentation, general flow).” He also
emphasized the importance of choosing “Variable names that make sense.”
“Wrap Early, Wrap Often,” is the personal policy of Neil Best, a senior application developer
at Gogo. “This may be a personal preference / style thing, but I go for tall over wide, not to
inflate my line counts but actually to increase legibility,” he told me. “If a function has two
arguments put them on two new lines. If an arithmetic expression has many terms give
them each their own line. Your interpreter may require you to use trailing operators (RTFM)
but it's worth it.” In short, more readable equals more understandable which makes
everyone’s life easier. “The faster someone can look at it and understand it.
The faster the application will move forward (feature and revenue),” said
commenter Glennular on Stack Overflow. Or, as Stack Exchange user mojuba put it, “There
is really no good criteria other than how fast you can understand the
code.” www.javaworld.com em 26/09/2015.
a) Assim como para as pessoas, os nomes de variáveis e os espaçamentos no código, são

analisados pelos computadores.
b) Os nomes das variáveis não precisam fazer muito sentido, desde que sejam declaradas
da forma correta.
c) Uma das maiores qualidades de um software é a sua legibilidade, ou seja, a facilidade

de ser lido e entendido por outros programadores.
d) O fato de alguém poder olhar para o código e entendê-lo de forma rápida não implica
no tempo em que a aplicação será mantida, seja para uma correção ou para a
implementação de uma nova funcionalidade.
e) A endentação é desnecessária, uma vez que o computador ignora a mesma.
Questão 34
O que o texto abaixo não afirma:

“The most common false assumption that I hear is people who say that they don't need to
back-up just because their computer or laptop is brand new. They simply believe that it
won't fail just because it is new, but although new computers are statistically less likely to
develop problems they are by no means infallible. Hard drives are unpredictable beasts
and have the potential to fail at any time, with the data they contain within often not
retrievable”.
www.nasdaq.com/article/the-importance-of-data-backup-cm37061 em 26/09/2015
a) Mesmo apresentando problemas, os dados que estiverem nos discos rígidos podem
ser recuperados.
b) É muito comum que o autor ouça pessoas dizendo que não precisam realizar backups
porque seus computadores são novos.
c) Que as pessoas acreditam que seus computadores novos não vão falhar.
d) Que apesar dos computadores novos terem uma menor probabilidade de

apresentarem problemas, eles para podem tê-los.
e) Que os HDs podem apresentar problemas a qualquer momento.
Questão 35
Text – question
World Bank Brazil – country brief
With an estimated 167 million inhabitants, Brazil has the largest population in Latin
America and ranks sixth in the world. The majority live in the south-central area, which
includes industrial cities such as São Paulo, Rio de Janeiro and Belo Horizonte. 80% of the
population now lives in urban areas. Rapid growth in the urban population has aided
economic development but also created serious problems for major cities.
Brazil’s “miracle years” were in the late 1960s and early 1970s when double digit-annual
growth rates were recorded and the structure of the economy underwent rapid change.
In the 1980s, however, Brazil’s economic performance was poor in comparison with its
potential. Annual Gross Domestic Product (GDP) growth only averaged 1.5 percent over
the period from 1980 to 1993. This reflected the economy’s inability to respond to
international events in the late 1970s and the 1980s: the second oil shock; increase in
international real interest rates; the Latin American external debt crisis and the ensuing
cutoff of foreign credit and foreign direct investment. This lack of responsiveness reflected
the largely inward-looking policy orientation that had been in place since the 1960s.
Economic flexibility was further impaired by provisions of the 1988 Constitution, which
introduced significant rigidities in budgeting and public expenditure. An outcome of these
pressures was a steady rise in the rate of inflation, which reached monthly rates of 50% by
the middle of 1994.
Internet: <http://lnweb18.worldbank.org/Exter…/ abe36259ca656c4985256914005207e3?OpenDocumen> (with adaptations).
Considering text, judge the item below.
Five countries in the world have a larger population than Brazil.
Certo
Errado
Questão 36
Text – question
the middle of 1994.
Mexico population is not so large as the Brazilian one.
Certo
Errado
Questão 37
Text – question
the middle of 1994.
Three important Brazilian industrial cities are mentioned in the text.
Certo
Errado
Questão 38
Text – question
the middle of 1994.
More than 20% of Brazilian population lives in the rural area.
Certo
Errado
Questão 39
Text – question
the middle of 1994.
Brazil’s miracle years began and ended during the last military regime.
Certo
Errado
Questão 40
Text – question
the middle of 1994.
With the help of text, judge the following item.
For less than 12 years, annual GDP was below Brazil’s potential.
Certo
Errado
Questão 41
Text – question
the middle of 1994.
Last century, Brazilian economy was affected by international factors.
Certo
Errado
Questão 42
Text – question
the middle of 1994.
After the latest Afghanistan war, the world has been facing the greatest oil shock which has
never been experienced before.
Certo
Errado
Questão 43
Text – question
the middle of 1994.
The 1988 Constitution helped Brazilian economic flexibility as regard public expenditure.
Certo
Errado
Questão 44
Text – question
the middle of 1994.
In 1994, there was a month in which the inflation daily rate averaged more than 1%.
Certo
Errado
Questão 45
Text – question
the middle of 1994.
The sentence “Rapid growth in the urban population has aided economic development but
also created serious problems for major cities” means the same as
Fast increase in the city populations not only has helped economic progress, but also
brought about serious problems for bigger urban areas.
Certo
Errado
Questão 46
Text – question
the middle of 1994.
Serious problems have been caused by rapid growth of the urban population in major
cities, which on the other hand also brought about economic improvement.
Certo
Errado
Questão 47
Text – question
the middle of 1994.
Rapid increase in the population of bigger cities brought about economical development
together with minor problems.
Certo
Errado
Questão 48
Text – question
the middle of 1994.
The bigger and faster urban population grows, the less serious problems are caused.
Certo
Errado
Questão 49
Text – question
the middle of 1994.
Rapid growth in the urban population has improved economy in major cities, but on the
other hand it caused them serious problems.
Certo
Errado
Questão 50
Text – question
In the first comic strip presenteei in text,
the selling technique used is rather appropriate to sell insurance policies under any
circumstances.
Certo
Errado
GABARITO
1) E 2) D 3) B 4) D 5) E 6) B 7) D 8) D 9) D 10) E
11) A 12) B 13) C 14) D 15) C 16) B 17) D 18) D 19) B 20) A
21) A 22) D 23) B 24) C 25) C 26) E 27) A 28) C 29) C 30) C
31) D 32) B 33) C 34) A 35) Certo 36) Certo 37) Certo 38) Errado 39) Certo 40) Errado
41) Certo 42) Errado 43) Errado 44) Certo 45) Certo 46) Certo 47) Errado 48) Errado
49) Certo 50) Errado

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QUESTÕES

LÍNGUA INGLESA - BANCO DO BRASIL - 50 QUESTÕES

Todas as questões abaixo foram extraídas de provas anteriores de diversos cargos do

-next-generation-of-soccer-players>. Retrieved on: July 4th, 2021.

e) RoboCup Soccer Federation

Robots, the next generation of soccer players

-next-generation-of-soccer-players>. Retrieved on: July 4th, 2021.

How Digital Transformation is Shaping the Future of Banking

In short, banks are best-placed to succeed if they commit to end-to-end digital

-transformation-is-shaping-the-future-of-banking>. Retrieved on:

July 13th, 2021. Adapted.

How Digital Transformation is Shaping the Future of Banking

In short, banks are best-placed to succeed if they commit to end-to-end digital

Available at: <https://www.cnbc.com/advertorial/how-digital-

-transformation-is-shaping-the-future-of-banking>. Retrieved on:

July 13th, 2021. Adapted.

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WASHINGTON — American intelligence officials have found no evidence that aerial

Americans’ long-running fascination with UFOs has intensified in recent weeks in

Available at: <https://www.nytimes.com/2021/06/03/us/politics/

ufos-sighting-alien-spacecraft-pentagon.html>. Retrieved on:

U.S. Finds No Evidence of Alien Technology

in Flying Objects, but can’t rule it out, either

Americans’ long-running fascination with UFOs has intensified in recent weeks in

Available at: <https://www.nytimes.com/2021/06/03/us/politics/

ufos-sighting-alien-spacecraft-pentagon.html>. Retrieved on:

COVID-19 Economy: Expert insights on what

you need to know

• Don’t panic while things are “on pause”

• Low interest rates could help make ends meet

• Spend on small businesses

• Prior economic strength may help us bounce back

Available at <https://www.usbank.com/fi nancialiq/ manage-your-

html>. Retrieved on: Jul. 20, 2021. Adapted.

Bank Clerk Job Description

Definition and Nature of the Work

Education and Training Requirements

Getting the Job

Advancement Possibilities and Employment Outlook

Earnings and Benefits

Available at: <http://careers.stateuniversity.com/pages/151/

The next question is related to the text below.

From: The Impact of Bitcoin on Central Banks acesso

a) money laundering and narcotics

c) questions regarding the role

d) most central banks

e) the issuance of a digital version

Why Millennials Don’t Like Credit Cards

The Impact of the Great Recession

A Generation Plagued with Student Loan Debt

How Millennials Can Build Credit Without a Credit Card

• to provide a payment system;

e) products and services

Robots, the next generation of soccer players

-next-generation-of-soccer-players>. Retrieved on: July 4th, 2021.

c) before the 1990s

d) in the beginning of the 20th century

e) in the beginning of the 21st century

Robots, the next generation of soccer players

-next-generation-of-soccer-players>. Retrieved on: July 4th, 2021.

How Digital Transformation is Shaping the Future of Banking

In short, banks are best-placed to succeed if they commit to end-to-end digital

Available at: <https://www.cnbc.com/advertorial/how-digital-

-transformation-is-shaping-the-future-of-banking>. Retrieved on: