Reserve requirements are the proportions of the deposits that banks…
Read the text aloud.
Reserve requirements are the proportions of the deposits that banks must keep on hand and are not allowed to lend out. For example, if the reserve requirement is 10% and you deposit $100 in a bank, the bank can lend $90 of that $100 to someone else. But it is not allowed to lend the remaining $10.
Opens question #010348 in the RealPTE practice screen.
How to read it
Reserve requirements are the proportions of the deposits|that banks must keep on hand|and are not allowed to lend out.‖For example,|if the reserve requirement is 10%|and you deposit $100 in a bank,‖the bank can lend $90 of that $100|to someone else.‖But it is not allowed to lend the remaining $10.
| short pause ‖ breathe
Aim for 22–26 seconds.
Words to stress correctly
| requirements | re·QUIRE·ments | /rɪˈkwaɪrmənts/ |
| proportions | pro·POR·tions | /prəˈpɔrʃənz/ |
| requirement | re·QUIRE·ment | /rɪˈkwaɪrmənt/ |
| remaining | re·MAIN·ing | /rɪˈmeɪnɪŋ/ |
| deposits | de·POS·its | /dəˈpɑzɪts/ |
| example | ex·AM·ple | /ɪɡˈzæmpəl/ |
57 words in 22–26 seconds. Say 10% as “ten per cent”, $100 as “one hundred dollars” (both times), $90 as “ninety dollars” and $10 as “ten dollars”. Breathe after out., bank, and else.
Where marks are usually lost
Second-syllable stress in re·QUIRE·ments, pro·POR·tions, de·POS·its, ex·AM·ple, re·MAIN·ing. Hesitating before 10% or the dollar figures, or saying “dollars one hundred”. Dropping -s in requirements, proportions, deposits, banks and -ed in allowed.
General tip: Say the number first and the currency after — one hundred dollars, ninety dollars — and keep the figures at the same speed as the words around them.
What it means: 中文 · हिन्दी · नेपाली · Tiếng Việt
中文: 存款准备金要求是银行必须留存在手、不得放贷出去的存款比例。例如，如果准备金要求是10%，而你在银行存入100美元，银行可以把这100美元中的90美元借给别人。但剩下的10美元不允许贷出。
हिन्दी: आरक्षित आवश्यकताएँ जमा राशि के वे अनुपात हैं जो बैंकों को अपने पास रखने होते हैं और जिन्हें उधार देने की अनुमति नहीं होती। उदाहरण के लिए, यदि आरक्षित आवश्यकता 10% है और आप बैंक में $100 जमा करते हैं, तो बैंक उस $100 में से $90 किसी और को उधार दे सकता है। लेकिन उसे बाकी $10 उधार देने की अनुमति नहीं है।
नेपाली: रिजर्भ आवश्यकता भनेको निक्षेपको त्यो अनुपात हो जुन बैंकहरूले आफूसँग राख्नुपर्छ र ऋण दिन पाइँदैन। उदाहरणका लागि, रिजर्भ आवश्यकता 10% छ र तिमीले बैंकमा $100 जम्मा गर्छौ भने, बैंकले त्यो $100 मध्ये $90 अरू कसैलाई ऋण दिन सक्छ। तर बाँकी $10 ऋण दिन पाइँदैन।
Tiếng Việt: Yêu cầu dự trữ là tỷ lệ tiền gửi mà các ngân hàng phải giữ lại và không được phép cho vay. Ví dụ, nếu yêu cầu dự trữ là 10% và bạn gửi $100 vào ngân hàng, ngân hàng có thể cho người khác vay $90 trong số $100 đó. Nhưng ngân hàng không được phép cho vay $10 còn lại.
More Read Aloud questions
Read Aloud format (Pearson)
| Prompt | Text up to 60 words |
|---|---|
| Preparation | 30–40 seconds |
| Time to answer | Depends on the length of the text |
| Skills assessed | Speaking |
| Scored on | Content; Pronunciation; Oral fluency |
How it is scored
- Content is scored by counting the correct words in your response.
- If you stay silent for more than 3 seconds, the recording stops.
- You can record your response only once.
Source: Pearson, PTE Academic & UKVI test format, Part 1: Speaking & Writing, checked 9 October 2026.