Part 1: Match the words with their definitions (1pt)

1. incentive
2. capital
3. base rate
4. demand
5. labor
Part 2: Complete the sentences with the correct forms of words (1.5pts)
1. stable
2. building
3. participants
4. efficiently
5. acts
Part 3: Complete the text with the words given (2.5pts)
1. earn
2. commercial
3. follows
4. deal
5. prohibited
6. charge
7. accounts
8. part
9. profits
10. poor
Part 4: Read the text and answer the questions below (2pts)
1. Because they want to keep their gold and silver safe.
2. Today, most customers pay their bills through direct debits or standing orders.
3. Because many customers open online accounts. This means that they usually
use the machines in the lobby, and they don't speak with a banker at all.
4. Because many banks have become larger and have merged with other banks
Part 5: Complete the following sentences. You have to write more than 6
words. (1.5pts)
1. The central bank implements monetary policy to regulate interest rates and
control money supply in the economy, influencing inflation and economic
growth.
2. If commercial banks need money, they can borrow from the central bank or
other financial institutions to meet their liquidity needs and continue their
operations smoothly.

Part 6: Translate the following sentences into Vietnamese. (1.5pts)

1. Ngân hàng trung ương đôi khi hành động như "người cho vay cuối cùng" đối
với các tổ chức tài chính gặp khó khăn, nhằm ngăn chặn sự hoảng loạn hoặc
mất lòng tin lan rộng trong toàn bộ hệ thống tài chính.

2. Nhiệm vụ của ngân hàng trung ương cũng bao gồm giám sát các hệ thống thanh
toán cho các giao dịch giữa cá nhân, doanh nghiệp và các tổ chức tài chính.