Kolokwium 1 Flashcards
a current account/checking account
the account on which you keep money for day to day life
a saving or deposit account/time or notice account
the account on which you keep your savings
cashpoints or ATMs
the machine which enables your withdrawing money
a chequebook or checkbook
piece of paper that enables you paying some sum of money
a credit card
karta kredytowa
a debit card
karta debetowa
a loan
a sum of money borrowed from a bank
a mortgage
a loan to buy a property or real estate
an overdraft
the possibility to borrow money by spending more than you have in your bank account; debit
investment advice
kind of advice, on what your should spend your money to get some benefits from it
deposit
money placed in a bank
capital
the money invested in a business
stocks and shares
certificates representing part-ownership of a company
bonds
certificates of debt issued by governments or companies to raise money
merger
when a company combines with another one
takeover bid
when one company offers to buy or acquire another one
stockbroking
buying and selling stocks or shares for clients
portfolio
all the investments owned by an individual or organization
return
the profits made on investment
bankrupt
unable to pay debts or continue to do business
deregulation/ repeal
the ending or relaxing of legal restrictions
conglomerates
a group of companies, operating in different fields, which have joined together
interest
the price paid for borrowing money, paid to lenders
write off
cancel a bad debt or a worthless asset from an account
credit rating
estimates of people’s ability to fulfil their financial commitments
default
failure to repay a loan
cash flow
the money generated by an investment
collateralized
with property or another asset used as a guarantee of payment
wziąc pożyczkę
to take out a loan
płacić odsetki od pożyczki
to pay interest on a loan
kasjer w banku
teller
a middleman
an intermediary
spread
różnica między oprocentowanie kredytu, a wkładów
standing orders
zlecenia stałe
zadłużyć się
to run up a debt
zysk/rentowność obligacji
yield
zdolność kredytowa
credit rating/worthiness/standing
chciwość
greed
termin zapadalności
maturity of a loan
papiery wartościowe zabezpieczone hipoteką
MBO
papiery wartościowe oparte na długu
CDO
bazowe, podstawowe
underlying
subprime
a type of loan made to people with poor credit worthiness and no proof of income
izba rozliczeniowa
clearing house
compatitive advantage
what an organisation can do better than its competitors
sustainable
able to continue over a period of time
sales forecast
the sales business expect to achieve in a particular period of time
break-even point
where total costs equal total income from sales and the company makes neither a profit non a loss
revenue
the total income received by a business before any expenses are paid
exti strategy
an investor’s plan for getting their investment back and potentially realising a profit
founders
the people who establish a company or other organization
staff
people who are employed in an organization
equity finance
based on issuing shares
debt finance
based on issuing bonds
cash flow
the money a company receives minus the money it spends during certain period
equity
part ownership of a company in the form of stocks or shares
mutual funds
funds operated by investment companies that invest people’s money in various assets
pension funds
funds that invest money that will be paid to people after they retire from work
principal
the amount of capital making up a bond or other loan
maturity date
the length of time for which a bond is issued (until it is repaid)
coupon
the amount of interest that a bond pays
insolvent, bankrupt
unable to pay debts
creditors
people or institutions to whom money is owed
dividends
payments by companies to their shareholders
brokerage companies
businesses that buy and sell securities
bid
the price at which a buyer is prepared to buy a security at a particular time
offered price
the price at which seller is prepared to sell a security at a particular time
yield
the rate of income an investor receives from a security
IPO
initial public offering
EIB
European investment bank
zmienny, niepewny
volatile
współczynnik wypłacaloności
capital adequacy
gospodarstwo domowe
a household
inwestować, ryzykować
venture
an in-depth research
expertise
support, impulse
prod
compete
to take on
działalność biznesowa
business activity
wypracować
workout
simplify
streamline
inwestycje wysokiego ryzyka
venture capital
your achievements, results, projects you were involved in
track record
total failure
flop
companies with firm market position
established companies
odwrotnie proporcjonalnie
inversely
tax deductible
some part of your tax that you can write off
