ENGLISH FOR BUSSINESS AND BANKING

REPORT ABOUT SINARMAS BANK

By

Name

Anita Kurniawati Biwa (1601020036)

Godelifa Y. E. Dhulo (1632020005)

Irene Sintikhe Malaikosa (1601020100)

Konstansia Damiana Golu ( 1601020055)

Teny Nalle

Class/Semester

A/VI

ENGLISH DEPARTMENT

LANGUAGE AND ART STUDY PROGRAM

FACULTY OF TEACHERS TAINING AND EDUCATION

NUSA CENDANA UNIVERSITY

KUPANG

2019
 CHAPTER I

INTRODUCTION

1.1 Background

Bank is a financial institution which deals in money and credit. It is an intermediary to

handles people’s money for their advantage and profit. Bank links the flow of funds from
savers to the users. It plays an important role in the economy of any country as they hold
the saving of the public. Banking do savings, transaction, and even a investment to gain a
profit and help everyone to saving money. Banking in Indonesia offers the same range of
services commonly offered by banks elsewhere in the world. this includes savings,
deposits, checking, online banking, currency exchange, foreign currency banking, wire
transfers, ATM service, wealth management and so on.

There are two kinds of bank in Indonesia, state bank and private bank. State bank is
generally a financial institution that is chartered by a state, like Mandiri bank, BNI (Bank
Negara Indonesia), BRI (Bank Rakyat Indonesia) and BTN (Bank Tabungan Negara).
Private bank is owned by either the individual or a general partner with limited partner,
such as Bukopin bank, CIMB Niaga bank and many more. This report is focuses on
private bank, Bank Sinarmas Kupang that located in Oesapa, Kota Kupang, Nusa
Tenggara Timur.

1.2 Problem

 What do people do at a bank?

 What are the job descriptions of each personnel at the bank?
 What language or vocabulary do they do to do each transaction?

1.3 Aims

 To know about what activity that people do at a bank

 To know about job description of each personnel at a bank
 To list the vocabulary that people do to do a transaction
 CHAPTER II

CONTENT

2.1 WHAT DO PEOPLE DO AT A BANK?

In Sinarmas Bank there are 3 tellers and 1 customer service. Each of them did their task
to do transaction and other task. Based on what are we observe on Thursday, 28 march
2019, these are what people do at Sinarmas Kupang :

 Teller 1 is talking with the customer and asking for her account book. Then the
customer is giving her money to saving in her account. So the teller helps the
customer to deposit money.
 Teller 2 is counting money use money counter and packing it in a bunch.
 Teller 3 is taking a loan payment from the customer, and then typing the date of
payment and debt.
 Customer service is explaining about the bank and the requirement to be a bank
customer. Such as, someone must have document of identity like identity card, the
first deposit is money is up to Rp.50.000 and someone can pawn her or his pawn of
goods to open an account.

2.2 THE JOB DESCRIPTION

1. Bank teller
 Provides account service to customers by receiving deposits and loan payment.
 Receive cashing checks, saving withdrawal and recording mail deposits
 Records transactions by logging checks and preparing currency transaction reports.
2. Customer service
 Maintaining a positive, empathetic and professional attitude toward customers
 Communicating with customers with anything relation with the bank
 Acknowledging and resolving customer complaints.
 Processing orders, forms, applications, and requests.
 Keeping records of customer interactions, transactions, comments and complaints.
 Ensure customer satisfaction and provide professional customer support.
3. Security staff
 Monitoring the entry and exit of the bank
  Ensuring safety from thefts and other miscreant activities
 Monitoring customer activity and behavior in the bank to identify suspicious
activity
 Monitor existing security instruments like computers, close circuit cameras and
others
 Confirm that the locks of the locker rooms and money vaults are efficient
4. Cleaning staff
 Cleaning, stocking and supplying designated facility areas (dusting, sweeping,
vacuuming, mopping, cleaning ceiling vents, restroom cleaning etc)
 Performing and documenting routine inspection and maintenance activities
 Carry out heavy cleaning tasks and special projects

2.3 Vocabulary in bank

Sinarmas bank use Bahasa Indonesia with a few of English vocabulary that relate to
banking transaction. Some vocabulary that we notice there are :
Cash : physical money in general
Interest : money which is charged by a bank for borrowing or saving money.
Loan : a sum of money which is borrowed from bank
Deposit : to put money into bank account
Debt : money, which is owed to someone else.
Credit : an arrangement to receive mney from a bank or an amount of money that you
add to an account
Withdrawal : the process of taking amount of money out of bank account
 CHAPTER III

CONCLUSION

Bank is a financial institution that is licensed to deal with money and its aims to accepting
time and demand deposits, making loans, and investing in securities. The bank generates
profits from the difference in interest rates charges and paid. Sinarmas bank is a good enough
to provided everything about banking activities. From the content, the service there might be
a little restrict because the bank management is not openly to observation but for the entire
work is not bad.