Banking

wyciąg bankowy

account statement, - a printed or electronic record showing what money has been spend or received

kupno, nabycie

acquisition- the act of buying something such as a company, building or a piece of a land

złożyć wniosek o debet

apply for an overdraft- apply for an arrangement to withdraw more money form your bank account than you have placed in it

bankomat

cash machine, cash dispenser, ATM, cash point - a machine from which you can take money out of your bank account using a special card

lokować pieniądze w banku

deposit money in the bank/ bank deposit- an amount of money that is put into a bank account

przelew bankowy

bank transfer- sending money from one bank account to the another

banknot

a banknote/ bill- a piece of printed paper that has a particular value as money

stop bazowa

base rate/ prime rate- the Americans commercial bank's interest rate for lending money to big, secure companies

bańka spekulacyjna

a bubble- a temporary period when a lot of people invest in a stock, property or products that they became much more expensive than its real value

przepływy pieniężne

cash flows- the amount of money moving into and out of a business

wypłata gotowki

cash withdrawal/ withdraw cash- the act of taking money out of a bank account

sprawdzać saldo/stan konta

check the balance- checking the amout of money you have in your bank account

zabezpieczenie

collateral- something that acts as a security or guarantee for a debt

kryzys bankowy z powodu wstrzymania pożyczek

credit crunch- banking crisis due to withhold loans

ocena zdolnosci kredytowej

credit rating/ credit standing- estimates of people's ability to fulfill their financial commitments

wiarygodność

creditability- the quality of being creditable- being able to fulfill commitments

zdolność kredytowa

creditworthiness / credit capacity- safe to lend money to

waluta

currency- the money that is used in a particular country

rachunek bieżący

a current/checking account- bank account from which you can tak money at any time and it usually earn little or no interest, easy access to money at any time

niezdolność do zapłaty

default on payment- failure to rapay a loan

deponent

depositor- person who deposit or place money in the bank

stopa dyskontowa

discount rate- the cantral bank's minimum interest rate for lending money to other banks

stopa dyskontowa

discount rate- the cantral bank's minimum interest rate for lending money to other banks

zbycie

divestiture- the act of selling an asset, business or part of a business

zaliczka

down payment- a payment of part of the total costs of sth that you want to buy, the rest of the costs is paid later

opłata

fee- an amout of money paid for a particular piece of a service or work

prowizja

commission- a payment directly related to the amount of selling products or bank commission

stała stopa procentowa

fixed interest rate- an interest rate that is not changing

zmienna stopa procentowa

floating/ variable interest rate- a borrowing rate that is not fixed

wymiana zagraniczna

foreign exchange- the financial market in which currencies are bought and sold

przyrost

growth- an increase in the ability of an economy or business to produce goods or services

stopa inflacji

inflation rate- the rate of which prices increase over time, cousing the value of money to fall

niewyplacalny

insolvent- not having enought money to pay debts, buy goods

odsetki

interest- you can earn it when you leave your money in the bank, or it is a price for borrowing money paid to the bank

stopa procentowa

interest rate- the costs of borrowig money expressed as a percentage of a loan

pośrednik

intermediary- person or an organization that makes business or financial arrangement between conpanies that do not deal with each other directly

bank kupiecki/ ineestycyjny

investment/ merchant bank- bank who help companies to buy and sell financial products and helps companies to buy or merge with other companies

pozyczkodawca ostatniej instancji

lender of last resort- a central bank or organization that lends money to banks or countries in difficult financial situation when they cannot borrow from anywhere else

zobowiązania

liabilities- an amount of money that organization owes

ubezpieczenie na życie

life insurance- a system in which you make regular payments to an insurance company in exchange for a fixed amound of money which will be paid to someone you have named when you die

hipoteka

mortgage- a long-term loan to buy somewhere to live

główna kwota pożyczki

principal of the loan- the amout due on any debt, before interest

własność

a property/ real estate- land or building that someone owns

rezerwa obowiązkowa

reserve requirement- the amount of funds that bank holds in reserve to ensure that it is able to meet liabilities in case of sudden withdrawals

bankowość detaliczna

retail banking- refers to the consumer oriented services offered by commercial banks

bank komercyjny

commercial bank- provides financial services to the general public and companies

konto oszczędnościowe

a saving account- bank account which earns interest on the money kept in it

zlecić / odwołać zlecenie stałe

set up / cancel a standing order- an instruction to the bank to pay varying sums of money to another account

zlecić / odwołać polecenie zapłaty

set up / cancel direct debit- an instruction to the bank to pay regular, fixed sums of money to another account

dzień rozliczenia

settlement day- the day on which payment must be made

wyplacalny/ wypłacalność

solvent / solvency- ability to pay all the money that is owed

udzielić pożyczki

grant/make a loan- lending an amount of money that has to be paid back with interest

wpłacić pieniądze

make/place deposits

wyksięgować coś

write-off - cancel a bad debt or a worthless asset forn an account

pożyczka bankowa

bank loan- an amount of money borrowed from a bank for a certain lenght of time, usually for a specifit purpose

plan/ system emerytalny

pension plan- an arrangement for saving money to give you income when you stop working