金融英語(yǔ)口語(yǔ) 34.Bank Performan 1

[00:00.00]New Words [00:00.88]新單詞 [00:01.75]diagram n. [00:02.48]圖解，圖表 [00:03.21]terrific adj. [00:03.85]極妙的 [00:04.49]fiscal adj. [00:05.20]財(cái)政的 [00:05.90]satisfactory adj. [00:06.67]令人滿意的 [00:07.44]competitive adj. [00:08.15]競(jìng)爭(zhēng)的，比賽的 [00:08.86]significant adj. [00:09.69]有意義的，有效的 [00:10.53]commission n. [00:11.14]傭金 [00:11.76]trend n. [00:12.38]趨勢(shì) [00:13.01]sensitivity n. [00:13.81]敏感 [00:14.60]Phrases & Expressions [00:16.82]bank performance [00:17.54]銀行業(yè)績(jī) [00:18.26]stockholder equity [00:19.33]股東權(quán)益，股東產(chǎn)權(quán) [00:20.40]relate to [00:21.29]有關(guān)，涉及 [00:22.18]base on [00:23.01]把...基于 [00:23.85]amount to [00:24.72]合計(jì)，總共達(dá) [00:25.60]net invest earning [00:26.75]投資凈收益 [00:27.90]account for [00:28.75]說(shuō)明(原因等) [00:29.60]in particular [00:30.52]特別，尤其 [00:31.45]E:I'm glad to give you some information about my bank. [00:33.15]愛：很高興能有機(jī)會(huì)與中國(guó)同行談?wù)劚拘械挠嘘P(guān)業(yè)務(wù)狀況。 [00:34.85]The diagram in your hand is a copy of our last annual report. [00:37.07]各位手里拿的正是我公司去年的年度報(bào)告。 [00:39.29]V:Yes, it gives key figures relating to your bank's activities and financial performance during 1994. [00:43.49]代表：正是，這份報(bào)表已列出了1994年度貴行的各項(xiàng)經(jīng)營(yíng)業(yè)務(wù)及財(cái)務(wù)狀況的關(guān)鍵數(shù)據(jù)。 [00:47.70]Dr. Edwards. Would you please first give us a very short description of your performance last year? [00:51.44]愛德華茲博士，您能否用最簡(jiǎn)短的話概括一下貴行去年的經(jīng)營(yíng)狀況? [00:55.17]E:Fine. As of December 31st 1994, the Northland's ZB Bank Corporation was the sixth largest in USA, [01:00.36]愛：很樂(lè)意。到1994年12月31日為止，本銀行-北方ZB銀行集團(tuán)，名列美國(guó)第六名。 [01:05.54]based on stockholders' equity, and the seventh largest based on deposits. [01:08.34]第六名是按照股本產(chǎn)權(quán)來(lái)統(tǒng)計(jì)的。如按銀行存款額來(lái)統(tǒng)計(jì)，則名列全美國(guó)第七。 [01:11.13]The bank has more than 980 offices around the world. [01:13.27]目前本銀行有980個(gè)辦事處分布在全球各地。 [01:15.42]V:You have an office in Beijing, don't you? [01:16.84]代表：你們?cè)诒本┮灿修k事處吧? [01:18.26]E:Yes, that's right. Actually, we have three offices in China. [01:20.69]愛：是啊!在中國(guó)我們目前有3個(gè)辦事處。 [01:23.12]We established our offices first in Beijing, then in Shanghai and in Guangzhou. [01:26.01]第一個(gè)我們?cè)O(shè)在北京，接著在上海及廣州也設(shè)立了辦事處。 [01:28.89]We're thinking of opening another two in Tianjin and Suzhou next year. [01:31.18]我們正考慮明年在天津和蘇州各設(shè)一個(gè)辦事處。 [01:33.47]V:That's terrific. I'm from Suzhou, which is developing rapidly. [01:35.48]代表：太巧了。我是蘇州人。蘇州發(fā)展非常快速。 [01:37.49]E:Really? I hope we will discuss the financial situation in Suzhou sometime later on. [01:40.45]愛：真的啊!我希望我們能抽出空談?wù)勌K州的金融狀況。 [01:43.42]V:I'd like to if I can be of any help. [01:44.84]代表：能對(duì)您有用的話，我很樂(lè)意的。 [01:46.27]E:Now, let's begin with income of our bank last year. [01:48.59]愛：現(xiàn)在我來(lái)說(shuō)說(shuō)本行去年的收益狀況。 [01:50.92]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. [01:57.96]代表：貴行1994年總收入為1.55億美元,而1993年則為1.35億美元， [02:05.00]That's an increase of... [02:06.11]增長(zhǎng)了.... [02:07.22]E:Of nearly fifteen per cent over the year before last, [02:09.19]E：差不多增長(zhǎng)了15%， [02:11.16]a rate of increase slightly above that of recent years. [02:12.70]是最近幾年增長(zhǎng)率較高的一年。 [02:14.24]V:Your net interest earning at the end of 1994 reached ninetynine million dollars. [02:17.59]代表：你們1994年底投資收益達(dá)到9 900萬(wàn)美元。 [02:20.93]E:That's exact good news for us. In the financial year 1994, [02:23.58]愛：對(duì)我們來(lái)說(shuō)，是相當(dāng)令人振奮的。在1994年這個(gè)財(cái)政年度里， [02:26.23]interest received amounted to six hundred and fifteen million dollars and interest paid to five hundred and sixteen million. [02:30.33]利益收入達(dá)到6.15億美元,而支付的利息為5.16億美元。 [02:34.44]V:So, that's almost ten per cent up over the 1993 figure. [02:36.96]代表：這樣說(shuō)來(lái)，這個(gè)數(shù)目比1993年增長(zhǎng)了約10%。 [02:39.48]E:Yes, the net interest income is pretty satisfactory indeed, [02:41.67]愛：是呀，這個(gè)凈利潤(rùn)令我們非常滿意， [02:43.87]in what is, as you know, an intensely competitive market. [02:46.03]正如大家所知道的那樣，這是個(gè)競(jìng)爭(zhēng)非常激烈的市場(chǎng)。 [02:48.20]V:Oh, you also achieved a significant increase in non-interest income. [02:50.70]代表：噢，你們?cè)诜抢⑹杖脒@一塊也獲得了很大的收益。 [02:53.19]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. [02:58.46]愛：是啊，我們的非利息收入從1993年的4600萬(wàn)美元增長(zhǎng)到1994年底的5 600萬(wàn)美元。 [03:03.72]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. [03:08.72]大家都知道，本行的政策之一就是不僅僅是依靠貸款獲利，更重要的是應(yīng)當(dāng)通過(guò)其它方式，如賺取服務(wù)費(fèi)，傭金等方式來(lái)增加本行的收益。 [03:13.72]So 1994 income in this area accounted for a two per cent higher contribution to total income than was the case in 1993. [03:18.40]因此，與1993年相比，這部分的收益占本行總收入的比重增長(zhǎng)了兩個(gè)百分點(diǎn)。 [03:23.08]V:Yes, this is really an encouraging trend since the economic environment in general is changing. [03:26.35]代表：對(duì)呀。正因?yàn)榭偟慕?jīng)濟(jì)環(huán)境在變化，這真是一個(gè)令人鼓舞的發(fā)展趨勢(shì)。 [03:29.63]It also shows your response to the sensitivity of interest rates in particular. [03:32.44]銀行利率的升降特別敏感，但貴行卻能調(diào)整對(duì)策，作出及時(shí)的反應(yīng)。 [03:35.25]E:Due to non-interest income of fifty-six million dollars, [03:37.22]愛：由于1994年的非常利息收入有5600萬(wàn)美元， [03:39.19]our total group income in 1994 was twenty million dollars higher than the pervious financial year. [03:43.02]與1993年相比，我們銀行1994年財(cái)政年度的總收入增加了2000萬(wàn)美元。

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