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。