金融英语口语 35.Bank Performan 2

[00:00.00]New Words
[00:00.81]新单词
[00:01.62]outgoings     n.
[00:02.39]开支，开销
[00:03.16]provision      n.
[00:03.88]备付
[00:04.60]premises     n.
[00:05.38]房屋
[00:06.16]previous    adj.
[00:06.87]以前的，先的
[00:07.58]illustrate    v.
[00:08.35]说明阐明
[00:09.12]footing     n.
[00:09.81]合计
[00:10.50]allocation    n.
[00:11.47]分配
[00:12.43]reserve    n.
[00:13.20]储备金
[00:13.98]Phrases & Expressions
[00:16.40]fee-generating activities
[00:17.67]增加费用的活动
[00:18.94]leased assets
[00:19.91]租赁资产
[00:20.87]in addition
[00:21.66]另外
[00:22.44]E:We've seen the income before our coffee break; now let's look at the outgoings.
[00:25.01]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。
[00:27.59]V:What is the largest amount of money you spent in 1994?
[00:30.13]代表：那么贵行1994年最大的支出项目是什么呢？
[00:32.68]E:Obviously, the largest of these is staff costs.
[00:34.55]爱：很明显，支出中最大的一块是员工开销。
[00:36.41]It increased from fifty-five million dollars in the fiscal 1993 to sixty-five million dollars at the end of 1994.
[00:40.80]1993财政年度为500美元，到1994年底，就增长到6500万美元，
[00:45.19]It covers forty-two per cent in the total group outgoings.
[00:47.40]占了总支出的42%。
[00:49.61]V:Why is the increase as large as eighteen per cent?
[00:51.58]代表：为什么这部分支出的增长率高达18%呢？
[00:53.55]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.
[00:58.63]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。
[01:03.71]V:How about doubtful debt provision and depreciation?
[01:06.04]代表：那么坏帐充资金和折旧费用呢？
[01:08.36]E:Provisions for doubtful debts amounted to eight million dollars,
[01:10.73]爱：坏帐抵充资金高达800万美元，
[01:13.09]an increase of sixty per cent;
[01:14.24]增长了60% 。
[01:15.39]while depreciation on leased assets and on premises and equipment decreased from sixteen million dollars to fifteen million dollars.
[01:19.61]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。
[01:23.83]V:Is depreciation calculated on a straight line basis?
[01:25.83]代表：折旧费是采用直线折旧法来计算的吗？
[01:27.82]E:Yes, that' how we calculate depreciation.
[01:29.64]爱：是的，我们就是按照直线折旧法来算的。
[01:31.45]V:Besides the largest of outgoings, staff costs, as well as provision for doubtful debts and depreciation,
[01:35.10]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，
[01:38.74]how about expenses, on tax, dividends?
[01:40.68]其它，如纳税和股票支出情况呢？
[01:42.61]E:Tax, not much to say really. We paid five million dollars more than in 1993.
[01:45.81]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，
[01:49.01]That is, we paid up to twenty-five million dollars in the financial year of 1994.
[01:52.22]即达2 500万美元。
[01:55.44]As for dividends paid to our shareholders,
[01:56.92]我们支付给股东们的股息，
[01:58.41]they remained unchanged over the previous fiscal year at five million dollars.
[02:00.80]则与1993年底持平，均为500 万美。
[02:03.19]V:How so?
[02:03.89]代表：就这么多？
[02:04.58]E:Because the major part of the year's profit was retained to expand our consolidated capital base.
[02:07.67]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。
[02:10.77]This was the first year in which our balance sheet footings passed the three billion dollars mark.
[02:13.62]1994年是我们的资产负债表上累计超过30亿美元的第一年。
[02:16.46]V:In addition, is there any sharp increase in other costs?
[02:18.41]代表：除此以外，其它费用还有哪些部分增长迅速吗？
[02:20.36]E:No. On the contrary, other expenses increased by only a little under seventeen per cent.
[02:23.80]爱：没有了。相对说来，其它费用只增长了一点点，不到17%。
[02:27.25]That's the smallest annual increase since 1989.
[02:29.20]这是1989年以来支出年度增长最少的一年。
[02:31.14]Personally, I think it illustrates our determination to bring costs under control.
[02:34.08]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。
[02:37.02]V:What's your yearly profit after paying dividends to shareholders?
[02:39.35]代表：扣除股东的股息，贵行的年利润有多少？
[02:41.67]E:After allocation of the dividends, there remained a net undistributed balance for the year of nine million dollars.
[02:45.38]爱：支付完股东的股息后，剩下的非分配利润有900万美元，
[02:49.09]The total amount was transferred to reserves to cover unexpected events.
[02:51.51]用作应付特别紧急的需要的储备金。
[02:53.92]V:So as your annual report indicates, all this adds up to total group outgoings of one hundred and fifty-five million dollars.
[02:58.40]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。
[03:02.88]E:Yes,the figure of total group outgoings exactly balances out with the total income.
[03:05.74]爱：对，这部分支出额与总收入相平衡。
[03:08.60]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.
[03:13.79]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。