Unit 6: Lending And Borrowing Flashcards

0
Q

Interest rate

A

The cost of borrowing money or an amount paid for deposits

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1
Q

Deposit

A

Money placed in a bank

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2
Q

Overdraft

A

An arrangement to spent more than you have in your account

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3
Q

Foreign currency

A

A type of money used abroad

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4
Q

Raise funds

A

To collect money

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5
Q

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

Bonds

A

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

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7
Q

Stockbroking

A

Buying and selling stocks and bond for clients

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8
Q

Portfolio

A

A varety of investments, a collection of securities

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9
Q

Corporate clients

A

Companies as customers

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10
Q

Bail out

A

To provide government support to an organisation to rescue it

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11
Q

Shares

A

Equal units of ownership in a company

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12
Q

Aquisitions and mergers

A

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

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13
Q

Lender of last resort

A

A creditor to other banks when there is none other available

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14
Q

Pridobiti sredstva

A

Raise funds

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15
Q

Izdati vrednostne papirje

A

Issue securities

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16
Q

Imeti dobiček

A

Make a profit

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17
Q

Poslovati

A

Do business

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18
Q

Menjati valute

A

Exchange currencies

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19
Q

Dati posojilo, kreditirati

A

Grant/approve a loan

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20
Q

Zaračunati obresti

A

Charge interest

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21
Q

Nuditi naložbeno svetovanje

A

Provide investment advice

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22
Q

Nuditi storitve

A

Offer services

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23
Q

Upravljati naložbeni portfelj

A

Manage investment portfolio

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24
Q

ATM

A

An electronic machine that allows customers to withdraw money from their accounts

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25
Q

Tekoči račun

A

Current account

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26
Q

Trajnik

A

Standing order

27
Q

Vezane vloge

A

Time deposit

28
Q

Vloge na vpogled

A

Sight deposit

29
Q

Overdraft

A

An arrangement that allows customers to withdraw more money from the account than there actually is in the account up to an agreed limit

30
Q

Prekoračitev stanja na računu

A

Overdraft

31
Q

E-banking

A

Banking services that are offered online

32
Q

Obrestna mera

A

Rate of interest

33
Q

Bančni izpisek

A

Statement

34
Q

Mortgage

A

A long term loan to buy a home or some other form of property

35
Q

Guarantor

A

A person who guarantees with their possessions that the loan will be repaid

36
Q

Liability

A

Financial obligation

37
Q

Collateral

A

Anything pledged as security for a loan

38
Q

Indebtedness, debt

A

Anything owed

39
Q

Glavnica

A

Principal

40
Q

Principal

A

Amount of loan not including interest

41
Q

Instalment

A

Annuity, or a part payment of a loan

42
Q

Interest

A

The cost of borrowing, what the bank charges for lending

43
Q

Creditworthiness, credit raiting

A

Ability to service/pay one’s debts

44
Q

Service a loan

A

Make regular payments related to a loan

45
Q

Porok

A

Guarantor

46
Q

Obveznost

A

Liability

47
Q

Zavarovanje posojila

A

Collateral

48
Q

Obrok, anuiteta

A

Instalment

49
Q

Kreditna sposobnost

A

Creditworthiness

50
Q

Odplačevati posojilo

A

Service a loan

51
Q

Poslovna banka

A

Commercial bank

52
Q

Banka za občane

A

Retail bank

53
Q

Bančni posli za podjetja

A

Wholesale banking

54
Q

Investicijska banka

A

Investment bank

55
Q

Borzno posredništvo

A

Stockbroking

56
Q

Posojilodajalec

A

Lender

57
Q

Združitve in prevzemi

A

Mergers and acquisitions

58
Q

Razpad

A

Collapse

59
Q

Nenaklonjen tveganju

A

Risk-averse

60
Q

Naklonjen tveganju

A

Risk-taking

61
Q

Kreditni krč

A

Credit crunch

62
Q

Odkup banke s strani države

A

Bailout

63
Q

Varčevalni ukrepi

A

Austerity measures

64
Q

Zavarovanje (posojila)

A

Collateral