Angielski semestr III

The abbreviation for a company's earnings before interest and taxes

EBIT

All the securities and financial assets held by a financial institution

Portfolio

An evolution of a borrower's ability to pay interest and pay back a loan in the future

Credit rating

Something of value that secures a loan or other credit; if the borrower cannot repay, the lender can

Collateral

The date on which a loan must be repaid, or a length of time until this date

Maturity

The difference between the interest rate a lender pays and the rate it charges its borrowers

Margin

The expenses of operating a business that are not directly related to individual product or services (electricity, telephones, administrative costs)

Overhead costs

The maximum amount that a bank will lend to a costumer

credit limit

The money generated from a business's normal activities

Operating cash flow

The price (interest rate) that a financial institution must pay for the use of money

Cost of funds

A name for investors who buys shares because they expect their prices to rise

Bulls

Assets a borrower uses to secure or guarantee a loan

Collateral

People who buy and re-sell shares in a very short time, often just a few hours

Day traders

When you have no money to pay your debts, so you have to sell your assets

Bankruptcy

A name for shareholders who sell because they expect the price to fall

Bears

Certificates representing part - ownership of a company

Shares

To get money from investors with which to run a company

Raise capital

A period of rapidly rising share prices, followed by a quick relapse

Bubble

Financial organizations who own a lot of shares

Institutional investors

To offer securities for sale, to financial institution and the public

Issue

to fire people

To cut jobs

to encourage people or companies to buy shares

To attract investors

to demand that a loan is repaid

To call in a loan

to separate

To strip out

... is a contract giving the possibility to sell a specified quantity of securities, foreign exchange, or commodities in the future, if it is advantageous to do so

Put option

raw materials such as agricultural products and metals that are traded on special exchanges

Commodities

are forward contracts for the purchase and sale of securities, precious metals, etc., at a fixed price

Futures

is a contract giving the buyer the right, but not the obligation, to buy an asset in the future.

Call option

you make transactions that are designed to reduce risk regarding a particular price, interest rate or exchange rate

hedge

is an exchange of future payments on borrowed money according to specified terms

Interest rate swap

... an option you use or implement the option, taking up the possibility to buy or sell something

exercise

anticipates future changes in a market and makes risky transactions, hoping to make a gain

Speculator

is the money the writer of an option receives

Premium