金融英语口语(8)
金融英语口语：Bank Performan 1
New Words
新单词
diagram n.
图解，图表
terrific adj.
极妙的
fiscal adj.
财政的
satisfactory adj.
令人满意的
competitive adj.
竞争的，比赛的
significant adj.
有意义的，有效的
commission n.
佣金
trend n.
趋势
sensitivity n.
敏感
Phrases & Expressions
bank performance
银行业绩
stockholder equity
股东权益，股东产权
relate to
有关，涉及
base on
把...基于
amount to
合计，总共达
net invest earning
投资净收益
account for
说明(原因等)
in particular
特别，尤其
E:I'm glad to give you some information about my bank.
爱：很高兴能有机会与中国同行谈谈本行的有关业务状况。
The diagram in your hand is a copy of our last annual report.
各位手里拿的正是我公司去年的年度报告。
V:Yes, it gives key figures relating to your bank's activities and financial performance during 1994.
代表：正是，这份报表已列出了1994年度贵行的各项经营业务及财务状况的关键数据。
Dr. Edwards. Would you please first give us a very short description of your performance last year?
爱德华兹博士，您能否用最简短的话概括一下贵行去年的经营状况?
E:Fine. As of December 31st 1994, the Northland's ZB Bank Corporation was the sixth largest in USA,
爱：很乐意。到1994年12月31日为止，本银行-北方ZB银行集团，名列美国第六名。
based on stockholders' equity, and the seventh largest based on deposits.
第六名是按照股本产权来统计的。如按银行存款额来统计，则名列全美国第七。
The bank has more than 980 offices around the world.
目前本银行有980个办事处分布在全球各地。
V:You have an office in Beijing, don't you?
代表：你们在北京也有办事处吧?
E:Yes, that's right. Actually, we have three offices in China.
爱：是啊!在中国我们目前有3个办事处。
We established our offices first in Beijing, then in Shanghai and in Guangzhou.
第一个我们设在北京，接着在上海及广州也设立了办事处。
We're thinking of opening another two in Tianjin and Suzhou next year.
我们正考虑明年在天津和苏州各设一个办事处。
V:That's terrific. I'm from Suzhou, which is developing rapidly.
代表：太巧了。我是苏州人。苏州发展非常快速。
E:Really? I hope we will discuss the financial situation in Suzhou sometime later on.
爱：真的啊!我希望我们能抽出空谈谈苏州的金融状况。
V:I'd like to if I can be of any help.
代表：能对您有用的话，我很乐意的。
E:Now, let's begin with income of our bank last year.
爱：现在我来说说本行去年的收益状况。
V:Your total group income in 1994 amounted to one hundred and fifty-five million US dollars compared with one hundred and thirty-five million US dollars for fiscal 1993.
代表：贵行1994年总收入为1.55亿美元,而1993年则为1.35亿美元，
That's an increase of...
增长了....
E:Of nearly fifteen per cent over the year before last,
E：差不多增长了15%，
a rate of increase slightly above that of recent years.
是最近几年增长率较高的一年。
V:Your net interest earning at the end of 1994 reached ninetynine million dollars.
代表：你们1994年底投资收益达到9 900万美元。
E:That's exact good news for us. In the financial year 1994,
爱：对我们来说，是相当令人振奋的。在1994年这个财政年度里，
interest received amounted to six hundred and fifteen million dollars and interest paid to five hundred and sixteen million.
利益收入达到6.15亿美元,而支付的利息为5.16亿美元。
V:So, that's almost ten per cent up over the 1993 figure.
代表：这样说来，这个数目比1993年增长了约10%。
E:Yes, the net interest income is pretty satisfactory indeed,
爱：是呀，这个净利润令我们非常满意，
in what is, as you know, an intensely competitive market.
正如大家所知道的那样，这是个竞争非常激烈的市场。
V:Oh, you also achieved a significant increase in non-interest income.
代表：噢，你们在非利息收入这一块也获得了很大的收益。
E:Yes, our non-interest income increases from forty-six million in 1993 to fifty-six million dollars at the end of the fiscal year 1994.
爱：是啊，我们的非利息收入从1993年的4600万美元增长到1994年底的5 600万美元。
You know, a part of the bank's policy is to limit dependence on net interest as a source of income and to develop its fee and commission earning activities.
大家都知道，本行的政策之一就是不仅仅是依靠贷款获利，更重要的是应当通过其它方式，如赚取服务费，佣金等方式来增加本行的收益。
So 1994 income in this area accounted for a two per cent higher contribution to total income than was the case in 1993.
因此，与1993年相比，这部分的收益占本行总收入的比重增长了两个百分点。
V:Yes, this is really an encouraging trend since the economic environment in general is changing.
代表：对呀。正因为总的经济环境在变化，这真是一个令人鼓舞的发展趋势。
It also shows your response to the sensitivity of interest rates in particular.
银行利率的升降特别敏感，但贵行却能调整对策，作出及时的反应。
E:Due to non-interest income of fifty-six million dollars,
爱：由于1994年的非常利息收入有5600万美元，
our total group income in 1994 was twenty million dollars higher than the pervious financial year.
与1993年相比，我们银行1994年财政年度的总收入增加了2000万美元。
金融英语口语：Bank Performan 2
New Words
新单词
outgoings n.
开支，开销
provision n.
备付
premises n.
房屋
previous adj.
以前的，先的
illustrate v.
说明阐明
footing n.
合计
allocation n.
分配
reserve n.
储备金
Phrases & Expressions
fee-generating activities
增加费用的活动
leased assets
租赁资产
in addition
另外
E:We've seen the income before our coffee break; now let's look at the outgoings.
爱：我们在喝咖啡休息以前看到了本行的收益情况，现在再来看看支出情况。
V:What is the largest amount of money you spent in 1994?
代表：那么贵行1994年最大的支出项目是什么呢?
E:Obviously, the largest of these is staff costs.
爱：很明显，支出中最大的一块是员工开销。
It increased from fifty-five million dollars in the fiscal 1993 to sixty-five million dollars at the end of 1994.
1993财政年度为500美元，到1994年底，就增长到6500万美元，
It covers forty-two per cent in the total group outgoings.
占了总支出的42%。
V:Why is the increase as large as eighteen per cent?
代表：为什么这部分支出的增长率高达18%呢?
E:It is partly because of the increase in staff numbers required to deal with the expansion of the bank's fee-generating activities which I have just mentioned in the income section.
爱：这一方面是由于增加了职工人数，用于从事前面我所提到的增加服务佣金等工作。
V:How about doubtful debt provision and depreciation?
代表：那么坏帐充资金和折旧费用呢?
E:Provisions for doubtful debts amounted to eight million dollars,
爱：坏帐抵充资金高达800万美元，
an increase of sixty per cent;
增长了60% 。
while depreciation on leased assets and on premises and equipment decreased from sixteen million dollars to fifteen million dollars.
而租赁资产的折旧费以及营业大楼。设备的折旧费则从1 600万美元降至1500美元。
V:Is depreciation calculated on a straight line basis?
代表：折旧费是采用直线折旧法来计算的吗?
E:Yes, that' how we calculate depreciation.
爱：是的，我们就是按照直线折旧法来算的。
V:Besides the largest of outgoings, staff costs, as well as provision for doubtful debts and depreciation,
代表：除去员工费用最大的一块支出，以及坏帐准备金及折旧费之外，
how about expenses, on tax, dividends?
其它，如纳税和股票支出情况呢?
E:Tax, not much to say really. We paid five million dollars more than in 1993.
爱：税，真的不必多说。1994年这一财政年度，我们比1993年多交纳税多500万美元，
That is, we paid up to twenty-five million dollars in the financial year of 1994.
即达2 500万美元。
As for dividends paid to our shareholders,
我们支付给股东们的股息，
they remained unchanged over the previous fiscal year at five million dollars.
则与1993年底持平，均为500 万美。
V:How so?
代表：就这么多?
E:Because the major part of the year's profit was retained to expand our consolidated capital base.
爱：因为我们决定保留1994年度大部分利润来扩大我行的合并资本。
This was the first year in which our balance sheet footings passed the three billion dollars mark.
1994年是我们的资产负债表上累计超过30亿美元的第一年。
V:In addition, is there any sharp increase in other costs?
代表：除此以外，其它费用还有哪些部分增长迅速吗?
E:No. On the contrary, other expenses increased by only a little under seventeen per cent.
爱：没有了。相对说来，其它费用只增长了一点点，不到17%。
That's the smallest annual increase since 1989.
这是1989年以来支出年度增长最少的一年。
Personally, I think it illustrates our determination to bring costs under control.
我个人的看法是：以上这些数字表明我们控制费用增长额度的决心。
V:What's your yearly profit after paying dividends to shareholders?
代表：扣除股东的股息，贵行的年利润有多少?
E:After allocation of the dividends, there remained a net undistributed balance for the year of nine million dollars.
爱：支付完股东的股息后，剩下的非分配利润有900万美元，
The total amount was transferred to reserves to cover unexpected events.
用作应付特别紧急的需要的储备金。
V:So as your annual report indicates, all this adds up to total group outgoings of one hundred and fifty-five million dollars.
代表：所以说，正如你们的年度报表写明的，贵行支出总额为1.55亿美元。
E:Yes,the figure of total group outgoings exactly balances out with the total income.
爱：对，这部分支出额与总收入相平衡。
V:Now, we have a clearer picture of the source of income and the application of income for your bank in 1994 compared with 1993.
代表：到现在为止，我们对贵行1994年度的收入及其使用情况，以及与1993年的对比情况，都有了清晰的了解。
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金融英语口语：ARE
New Words
新单词
absent adj.
缺席，不在
loan n.
贷款
abacus n.
算盘
competition n.
比赛，竞争
adjustment n.
调整，调节
grain n.
谷物
encourage v.
促进，鼓励
agricultural adj.
农业的
review v.
复习
accounting n.
会计学
principle n.
原理，原则
Phrases & Expressions
短语
the Department of International Finance
国际金融系
duty free
免税
1.Are all students of the Department of International Finance here?
国际金融系的学生是否都到了?
-No, some are absent.
不，还有几位没有到。
2.Are all these goods duty free?
这些商品是否都免税?
-No, only half of them are.
不，其中一半是免税的。
3.Are there any other opinions?
还有其他意见吗?
-No, there aren't. We all agree on foreign loans.
没有了，我们都同意通过外资借款。
4.Are the students ready now, Ma Ling?
4.马林，学生都准备好了没有?
-Yes, we can start the abacus competition.
都准备好了，现在可以开始珠算比赛。
5.Are Sam and Ann in high school or in college?
5.萨姆和安是在中学还是在大学里学习?
-They are both in college?
他们都在大学里学习。
6.Are you feeling more at home in your new job?
6.新工作让你感到挺轻松吗?
-Yes, I am. Sometimes there are problems, though.
是，不过有时还会遇到一些困难。
7.Are we going to see an adjustment in the grain price?
7.粮食价格是否还会上调?
-Yes, we will. We hope it will encourage our agricultural production.
会上调，我们希望通过上调鼓励和促进农业生产。
8.Are they reviewing the lessons on accounting principles?
8.他们是否在复习会计原理?
-Yes, they are.
是，他们正在进行复习。
9.Are there any oranges in the kitchen?
厨房里还有橘子吗?
-No, I'm sorry. There aren't any.
真抱歉，没有了。
10. Are you leaving for the bus station at nine o'clock?
10.你打算9点钟去公共汽车站吗?
-I'm going earlier than that. My bus leaves at nine fifteen.
我要在9点以前走，我那班车9点一刻就要开。
11.There are some factories in the city, aren't there?
11.这所城市有一些工厂，是吗?
-Yes, there have been many.
是，这里已有很多工厂。
12.You are doing your homework tonight, aren't you?
12.你打算今晚做作业，是不是?
-No, I'm not.
不，我不打算在今天晚上做。
