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engleski > banking > Flashcards

banking Flashcards

1
Q

to put money into someone’s account

A

CREDIT

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2
Q

to take out money from an account

A

DEBIT

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3
Q

a computerized machine outside a bank that allows bank customers to withdraw money, check their balance, and so on

A

ATM(AUTOMATIC TELLER MACHINE)

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4
Q

a customer’s instruction to a bank to pay fixed sums of money to certain people or organizations at stated times

A

STANDING ORDER

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5
Q

an arrangement by which a customer can withdraw more from a bank account than has been deposited in it, up to an agreed limit; interest on the debt is calculated daily

A

OVERDRAFT

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6
Q

a card which guarantees payment for goods and services purchased by the cardholder, who pays back the bank or finance company at a later date

A

CREDIT CARD

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7
Q

a fixed sum of money on which interest is paid, lent for a fixed period, and usually for a specific purpose

A

LOAN

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8
Q

a loan, usually to buy property, which serves as a security for the loan; to take out a loan with a property as security

A

MORTGAGE

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9
Q

a plastic card issued to bank customers for use in cash dispensers

A

CASH CARD

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10
Q

an account that pays little or no interest, but allows the holder to withdraw cash without any restrictions

A

CURRENT OR CHECKING ACCOUNT

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11
Q

an account that pays interest, but usually cannot be used for paying cheques, and on which notice is often required to withdraw money

A

DEPOSIT OR SAVINGS (GB) OR TIME OR NOTICE ACCOUNT(US)

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12
Q

to put money in a bank or account; or money placed in a bank

A

DEPOSIT

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13
Q

the money used in countries other than one’s own

A

FOREIGN CURRENCIES

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14
Q

a record of all transactions (credits and debits) in a bank account during a particular period

A

BANK STATEMENT

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15
Q

to have a deficit in the account

A

IN THE RED

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16
Q

to have a surplus in the account

A

IN THE BLACK

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17
Q

a payment card that deducts money directly from

a consumer’s checking account to pay for a purchase.

A

DEBIT CARD

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18
Q

to take money out of your bank account

A

WITHDRAW

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19
Q

to offer securities for sale to the general public

A

TO ISSUE

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20
Q

to guarantee to buy all the new shares that a company issues, if they cannot be sold to the public

A

TO UNDERWRITE

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21
Q

to cancel a bad debt or a worthless asset from an account

A

TO WRITE OF

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22
Q

person or organization to whom money is owed (for goods or services rendered, or as a repayment of a loan)

A

CREDITOR

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23
Q

person, company or a country that has borrowed money

A

DEBTOR

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24
Q

anything that acts as a security or guarantee for a loan

A

COLLATERAL

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25
Q

failure to repay a loan at the scheduled time

A

DEFAULT

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26
Q

money paid to the lender for the use of borrowed money

A

INTEREST

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27
Q

the amount of a loan, which the borrower has to pay back when the loan matures

A

PRINCIPAL

28
Q

available cash, or having assets that can easily be turned into cash

A

LIQUIDITY

29
Q

the date when a loan becomes repayable

A

MATURITY

30
Q

how much money a loan pays, expressed as a percentage; the rate of income an investor receives from security; money produced as a return on an investment

A

YIELD

31
Q

the profits made on investments

A

RETURNS

32
Q

having money to pay your debts at the time they must be paid

A

SOLVENCY

33
Q

unable to pay debts or continue to do business

A

BANKRUPT

34
Q

the act of getting control of a company by buying over 50% of its shares

A

TAKEOVER

35
Q

when a company combines with another one

A

MERGER

36
Q

buying and selling stocks or shares for clients

A

STOCKBROKING

37
Q

certificates to show that someone owns stocks, shares or bonds; saleable papers, traded on the stock exchange, that yield an income (dividend, interest, etc.)

A

SECURITIES

38
Q

the ending or relaxing of legal restrictions

A

DEREGULATION

39
Q

a group of companies, operating in different fields, which have joined together

A

CONGLOMERATE

40
Q

a fee charged by a bank for undertaking a transaction

A

COMMISSION

41
Q

the difference between the interest rates that banks pay to depositors and those they charge for loans to borrowers, from which they make their profits

A

SPREAD OR MARGIN

42
Q

banking both for individuals and companies

A

UNIVERSAL BANKING

43
Q

banking for businesses and large organizations

A

INVESTMENT OR CORPORATE BANKING

44
Q

transactions by non-residents in foreign currencies in tax havens such as Bermuda, the Cayman Islands, Liechtenstein, etc.

A

OFF-SHORE BANKING

45
Q

banking for the general public

A

RETAIL BANKING

46
Q

doing banking transactions by telephone (telephone banking) or from one’s own personal computer (internet banking)

A

HOME BANKING

47
Q

the charge which always stays the same

A

FLAT RATE

48
Q

the rate at which central bank makes secured loans to commercial banks; the interest rate at which central banks discount government and other sure debt instruments from commercial banks

A

DISCOUNT RATE

49
Q

the lowest lending rate that banks charge blue-chip borrowers

A

BASE RATE (GB) OR PRIME RATE (US)

50
Q

a company considered to be without risk

A

BLUE CHIP

51
Q

a lender’s estimation of a company’s present and future solvency

A

CREDIT STANDING (CREDIT RATING OR CREDITWORTHINESS)

52
Q

a bank that trades in money, receives and holds deposits, pays money according to customers’ instructions and makes loans to individuals and small companies

A

COMMERCIAL OR RETAIL BANK

53
Q

a bank that arranges finance for industry, international trade, and offers services for rich individual and corporate clients

A

INVESTMENT BANK OR MERCHANT BANK

54
Q

in Islamic countries and major financial centres, offer interest-free banking; banks which do not pay interest to depositors or charge interest to borrowers, but invest in companies and share profits (or losses) with their depositors

A

ISLAMIC BANKS

55
Q

some car manufacturers, food retailers and department stores who offer products like personal loans, credit cards and insurance

A

NON-BANK FINANCIAL INTERMEDIARIES

56
Q

a private investment fund for wealthy investors that trade in securities and derivatives and use a wider variety of (risky) investing strategies than traditional investment funds, in order to achieve higher returns whether markets go up or down

A

HEDGE FUND

57
Q

pooling (grouping together) financial assets like mortgages, which produce a cash flow, and converting them into securities which are then sold to investors

A

SECURITIZATION

58
Q

borrowers with poor credit ratings and consequently a high risk of default

A

SUBPRIME BORROWERS

59
Q

a massive reduction in the amount of credit available for banks to lend to other banks, businesses and households

A

CREDIT CRISIS or ‘CREDIT CRUNCH’

60
Q

a situation that occurs when a large number of bank or other financial institution’s customers withdraw their deposits simultaneously due to concerns about the bank’s solvency.

A

BANK RUN

61
Q

a restraint or limitation of credit; restricted bank lending that is accompanied by rising short-term interest rates and a decline in economic growth

A

CREDIT SQUEEZE

62
Q

the price at which one currency can be exchanged for another one

A

EXCHANGE RATE

63
Q

the cost of borrowing money, expressed as a percentage of the loan per period of time

A

INTEREST RATE

64
Q

a rise in the general level of prices, and increase in the money supply

A

INFLATION

65
Q

government or central bank actions concerning the control of the amount of money in circulation, for example by changing interest rates

A

MONETARY POLICY

66
Q

the amount of money in circulation in an economy at a particular time

A

MONEY SUPPLY

67
Q

a piece of paper money issued by a (central) bank

A

BANKNOTE

engleski (7 decks)

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