金融英语口语 34.Bank Performan 1

[00:00.00]New Words [00:00.88]新单词 [00:01.75]diagram n. [00:02.48]图解，图表 [00:03.21]terrific adj. [00:03.85]极妙的 [00:04.49]fiscal adj. [00:05.20]财政的 [00:05.90]satisfactory adj. [00:06.67]令人满意的 [00:07.44]competitive adj. [00:08.15]竞争的，比赛的 [00:08.86]significant adj. [00:09.69]有意义的，有效的 [00:10.53]commission n. [00:11.14]佣金 [00:11.76]trend n. [00:12.38]趋势 [00:13.01]sensitivity n. [00:13.81]敏感 [00:14.60]Phrases & Expressions [00:16.82]bank performance [00:17.54]银行业绩 [00:18.26]stockholder equity [00:19.33]股东权益，股东产权 [00:20.40]relate to [00:21.29]有关，涉及 [00:22.18]base on [00:23.01]把...基于 [00:23.85]amount to [00:24.72]合计，总共达 [00:25.60]net invest earning [00:26.75]投资净收益 [00:27.90]account for [00:28.75]说明(原因等) [00:29.60]in particular [00:30.52]特别，尤其 [00:31.45]E:I'm glad to give you some information about my bank. [00:33.15]爱：很高兴能有机会与中国同行谈谈本行的有关业务状况。 [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报告。 [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，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。 [00:47.70]Dr. Edwards. Would you please first give us a very short description of your performance last year? [00:51.44]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? [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]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。 [01:05.54]based on stockholders' equity, and the seventh largest based on deposits. [01:08.34]第六名是按照股本产权来统计的。如按银行存款额来统计，则名列全美国第七。 [01:11.13]The bank has more than 980 offices around the world. [01:13.27]目前本银行有980个办事处分布在全球各地。 [01:15.42]V:You have an office in Beijing, don't you? [01:16.84]代表：你们在北京也有办事处吧? [01:18.26]E:Yes, that's right. Actually, we have three offices in China. [01:20.69]爱：是啊!在中国我们目前有3个办事处。 [01:23.12]We established our offices first in Beijing, then in Shanghai and in Guangzhou. [01:26.01]第一个我们设在北京，接着在上海及广州也设立了办事处。 [01:28.89]We're thinking of opening another two in Tianjin and Suzhou next year. [01:31.18]我们正考虑明年在天津和苏州各设一个办事处。 [01:33.47]V:That's terrific. I'm from Suzhou, which is developing rapidly. [01:35.48]代表：太巧了。我是苏州人。苏州发展非常快速。 [01:37.49]E:Really? I hope we will discuss the financial situation in Suzhou sometime later on. [01:40.45]爱：真的啊!我希望我们能抽出空谈谈苏州的金融状况。 [01:43.42]V:I'd like to if I can be of any help. [01:44.84]代表：能对您有用的话，我很乐意的。 [01:46.27]E:Now, let's begin with income of our bank last year. [01:48.59]爱：现在我来说说本行去年的收益状况。 [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：贵行1994年总收入为1.55亿美元,而1993年则为1.35亿美元， [02:05.00]That's an increase of... [02:06.11]增长了.... [02:07.22]E:Of nearly fifteen per cent over the year before last, [02:09.19]E：差不多增长了15%， [02:11.16]a rate of increase slightly above that of recent years. [02:12.70]是最近几年增长率较高的一年。 [02:14.24]V:Your net interest earning at the end of 1994 reached ninetynine million dollars. [02:17.59]代表：你们1994年底投资收益达到9 900万美元。 [02:20.93]E:That's exact good news for us. In the financial year 1994, [02:23.58]爱：对我们来说，是相当令人振奋的。在1994年这个财政年度里， [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]利益收入达到6.15亿美元,而支付的利息为5.16亿美元。 [02:34.44]V:So, that's almost ten per cent up over the 1993 figure. [02:36.96]代表：这样说来，这个数目比1993年增长了约10%。 [02:39.48]E:Yes, the net interest income is pretty satisfactory indeed, [02:41.67]爱：是呀，这个净利润令我们非常满意， [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样，这是个竞争非常激烈的市场。 [02:48.20]V:Oh, you also achieved a significant increase in non-interest income. [02:50.70]代表：噢，你们在非利息收入这一块也获得了很大的收益。 [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]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。 [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。 [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，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。 [03:23.08]V:Yes, this is really an encouraging trend since the economic environment in general is changing. [03:26.35]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。 [03:29.63]It also shows your response to the sensitivity of interest rates in particular. [03:32.44]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。 [03:35.25]E:Due to non-interest income of fifty-six million dollars, [03:37.22]爱：由于1994年的非常利息收入有5600万美元， [03:39.19]our total group income in 1994 was twenty million dollars higher than the pervious financial year. [03:43.02]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。

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