Banking and finance Flashcards

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1
Q

Define “deposit”.

A

Money placed in bank.

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2
Q

Define “interest rate”.

A

The cost of borrowing money or an amount paid for deposits.

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3
Q

Define “overdraft”.

A

An arrangement to spend more than you have in your account.

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4
Q

Define “raise funds”.

A

To collect financing/money.

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5
Q

Define “issue and underwrite securities”.

A

To make shares and bonds available for sale, or guarantee to buy them if other buyers don’t.

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6
Q

Define “bonds”.

A

Securities promising to pay back the investor the borrowed sum plus a fixed amount of interest.

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7
Q

Define “stockbroking”.

A

Buying and selling stocks and bonds for clients.

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8
Q

Define “portfolio”.

A

A variety of investments, a collection of securities.

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9
Q

Define “corporate clients”.

A

Companies as customers.

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10
Q

Define “to bail out”.

A

To provide government support to an organization to rescue it.

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11
Q

Define “shares”.

A

Equal units of ownership in a company.

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12
Q

Define “acquisitions and mergers”.

A

Buying a new company or a part of it, and joining two companies into a new one.

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13
Q

Define “lender of last resort”.

A

A creditor to other banks when there is none other available.

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14
Q

Translate “kreditiranje”.

A

Lending.

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15
Q

Translate “zadolževanje”.

A

Borrowing.

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16
Q

Translate “upnik”.

A

Lender/creditor.

17
Q

Translate “dolžnik”.

A

Debtor.

18
Q

Translate “bankomat”.

A

ATM/cash machine.

19
Q

Translate “trajnik”.

A

Standing order.

20
Q

Translate “vezana vloga”.

A

Time deposit.

21
Q

Translate “vloga na vpogled”.

A

Sight deposit.

22
Q

Translate “gotovinska kartica”.

A

Cash card.

23
Q

Translate “prekoračitev stanja na računu”.

A

Overdraft.

24
Q

Translate and provide a definition for “porok”.

A

Guarantor, a person who guarantees with their possessions that the loan will be repaid.

25
Q

Translate and provide a definition for “hipotekarni kredit, hipoteka”.

A

Mortgage, a long-term loan to buy a home or some other form of property that buyer repays over a long period, the house or property serves as collateral (security) for the loan repayment.

26
Q

Translate and provide a definition for “zavarovanje kredita”.

A

Collateral, anything pledged as security for a loan.

27
Q

Translate and provide a definition for “obveznost”.

A

Liability, a financial obligation.

28
Q

Translate and provide a definition for “obrok”.

A

Instalment, an annuity or a part payment of a loan.

29
Q

Translate and provide a definition for “glavnica”.

A

Principal, amount of loan not including interest.

30
Q

Translate and provide a definition for “obresti”.

A

Interest, the cost of borrowing, what the bank charges for lending.

31
Q

Translate and provide a definition for “odplačevati posojilo”.

A

Service a loan, make regular payments related to a loan.

32
Q

Translate and provide a definition for “kreditna sposobnost, boniteta”.

A

Credit worthiness or rating, the ability to service/pay one’s debts.

33
Q

Translate and provide a definition for “zadolženost”.

A

Indebtedness, debt, anything owed.

34
Q

Translate and provide a definition for “kreditni krč”.

A

Credit crunch, a decline in lending activity brought on by a sudden shortage of funds.

35
Q

Translate “varčevalni ukrepi”.

A

Austerity measures.

36
Q

Translate “odkup banke s strani države”.

A

Bailout.

37
Q

Translate “poslovna banka”.

A

Commercial bank.

38
Q

Translate “banka za poslovanje z občani”.

A

Retail bank.

39
Q

Translate “banka za poslovanje s podjetji”.

A

Wholesale bank.