PART A

1. Checking is the new savings, according to a WalletHub report last month, which
found interest-bearing checking account pay as much as five times more interest on
balances up to $50,000 than savings and money market accounts.
2. CD is stand for long-term saving.
3. The causes of recent change in bank industry are low fed rates, money crunch,
technological advances, and regulations.
4. The sentences that support that statement is because you cant expect much from
long-term savings products when the Federal Reserve is keeping rates near zero to
promote borrowing and stimulate the economy through increased spending.
5. William Demchak is a President and CEO of PNC Financial Service Group.
PART B
1. There are 25 sentences.
2. Verb
Verb
Report
Pay
Promote
Think
Get

Noun
Reporter
Payer
Promotion
Thinker
Get

Verb
Simplify

Noun
Like
Accuarcy
Simplification

Verb

Noun
Unhappines
Movement
Reticence
Tempo/ Temporal
Normality

Verb

Noun
Savings
Findings
Shift
Keeping
Adoption

Move
-

Save
Find
Keep
Adopt

Adjective
Reportable
Payable
Thinking
Adjective
Likeable
Especial
Accurate
Any
Simple
Adjective
Unhappy
Moving
Reticent
Temporary
Normal

Adverb
Adverb
Likely
Especially
Accurately
Any
Simply
Adverb
Unhappily
Normaly

Adjective
Saving
Shifty
Adoptable

Adverb
-

3. A. SIMPLE SENTENCE: Consumers unhappy with their cash-based interest earnings

should therefore consider moving their reserves into a new online checking account,
especially if they are reticent to invest in the stock market.
B. COMPLEX SENTENCE: That at least explains the attractiveness of online
checking accounts.
C. COMPOUND SENTENCE: What we have, as a result, is a new age of banking
where online checking accounts are at the top of the food chain.
D. COMPOUND-COMPLEX SENTENCE: So, banks could be pushing checking
accounts as a do-it-all-option for consumers to eliminate some of the overhead that
comes with providing multiple accounts that serve similiar purposes to a single
customer.
4. A. Consumers unhappy with their cash-based interest earnings should therefore
Subject
consider moving their reserves into a new online checking account, especially if they
Verb
are reticent to invest in the stock market.
Object
B. That at least explains the attractiveness of online checking accounts.
Subject
Verb
Object

C. What we have, as a result, is a new age of banking where online checking accounts
Subject
Verb
Object
are at the top of the food chain.

D. So, banks could be pushing checking accounts as a do-it-all-option for consumers

Subject
Complement
to eliminate some of the overhead that comes with providing multiple accounts that
serve similiar purposes to a single customer.
Verb

5. Paragraf 1: Checking is the new savings which found interest bearing checking
accounts pay for savings and money market accounts. But that only scratches change
undergone by the banking industry in recent time, while certificates of deposit are still
the best for long-term saving, their interest advantage over online checking acoounts
isnt as substansial.
Paragraf 2: - a hierarchy has emerged for checking accounts.
Paragraf 3: - The result is online checking accounts are at the top.
-Consumers unhappy with cash-based interest especially if reticent to
invest.

-We all nedd our money work for us

-Vehicles arent cutting in the current environment

Paragraf 4: 1. Low fed rates. you cant expect much from long term saving products
2. Money crunch. people might not have enough money to be saving in
any substantial fashion.
3. - Technological advance its chaper for banks to have a website than
physical branches and staff.
- William demchak ceo of PNC financial service grup told investor last
year the bank saves $3,88 everytime a customer deposit a check via
smartphone rather than a bank brach.
-Now that internet usage has become ubiquitous used to doing many
thing online financial instituions have ability to close down some
local shops at least explain attractiveess of online chechking account.
4. Regulation. Bank oversight has increased of the great recession, with
the 2009 Credit Card Accountability Responsibility and Disclosure
Act.
- Banks could be pushing checking accounts for consumers to eliminate
the overhead.
- Who knows the banking landscape will look like five years from
now?
-We can increased chip card availability, mobile wallet adoption and
more prevelant of online payment.
- Judging the last five years, were in a lot.
- One thing we should all remember, labels and past performance dont
always accurately predict future in the banking world.

JAWABAN UJIAN TENGAH SEMESTER BAHASA INGGRIS

NAMA: CHATERINA KURNIA PERMATA SARI

NPM: 1406635171
ADMINISTRASI KEUANGAN DAN PERBANKAN