評論
打印
New Words
新單詞
diagram n.
圖解，圖表
terrific adj.
極妙的
fiscal adj.
財政的
satisfactory adj.
令人滿意的
competitive adj.
競爭的，比賽的
significant adj.
有意義的，有效的
commission n.
傭金
trend n.
趨勢
sensitivity n.
敏感
Phrases & Expressions
短語
bank performance
銀行業(yè)績
stockholder equity
股東權益，股東產權
relate to
有關，涉及
base on
把...基于
amount to
合計，總共達
net invest earning
投資凈收益
account for
說明(原因等)
in particular
特別，尤其
E:I'm glad to give you some information about my bank.
愛：很高興能有機會與中國同行談談本行的有關業(yè)務狀況。
The diagram in your hand is a copy of our last annual report.
各位手里拿的正是我公司去年的年度報告。
V:Yes, it gives key figures relating to your bank's activities and financial performance during 1994.
代表：正是，這份報表已列出了1994年度貴行的各項經營業(yè)務及財務狀況的關鍵數(shù)據(jù)。
Dr. Edwards. Would you please first give us a very short description of your performance last year?
愛德華茲博士，您能否用最簡短的話概括一下貴行去年的經營狀況？
E:Fine. As of December 31st 1994, the Northland's ZB Bank Corporation was the sixth largest in USA,
愛：很樂意。到1994年12月31日為止，本銀行-北方ZB銀行集團，名列美國第六名。
based on stockholders' equity, and the seventh largest based on deposits.
第六名是按照股本產權來統(tǒng)計的。如按銀行存款額來統(tǒng)計，則名列全美國第七。
The bank has more than 980 offices around the world.
目前本銀行有980個辦事處分布在全球各地。
V:You have an office in Beijing, don't you?
代表：你們在北京也有辦事處吧？
E:Yes, that's right. Actually, we have three offices in China.
愛：是啊！在中國我們目前有3個辦事處。
We established our offices first in Beijing, then in Shanghai and in Guangzhou.
第一個我們設在北京，接著在上海及廣州也設立了辦事處。
We're thinking of opening another two in Tianjin and Suzhou next year.
我們正考慮明年在天津和蘇州各設一個辦事處。
V:That's terrific. I'm from Suzhou, which is developing rapidly.
代表：太巧了。我是蘇州人。蘇州發(fā)展非常快速。
E:Really? I hope we will discuss the financial situation in Suzhou sometime later on.
愛：真的啊！我希望我們能抽出空談談蘇州的金融狀況。
V:I'd like to if I can be of any help.
代表：能對您有用的話，我很樂意的。
E:Now, let's begin with income of our bank last year.
愛：現(xiàn)在我來說說本行去年的收益狀況。
V:Your total group income in 1994 amounted to one hundred and fifty-five million US dollars compared with one hundred and thirty-five million US dollars for fiscal 1993.
代表：貴行1994年總收入為1.55億美元,而1993年則為1.35億美元，
That's an increase of...
增長了．．．．
E:Of nearly fifteen per cent over the year before last,
E：差不多增長了15%，
a rate of increase slightly above that of recent years.
是最近幾年增長率較高的一年。
V:Your net interest earning at the end of 1994 reached ninetynine million dollars.
代表：你們1994年底投資收益達到9 900萬美元。
E:That's exact good news for us. In the financial year 1994,
愛：對我們來說，是相當令人振奮的。在1994年這個財政年度里，
interest received amounted to six hundred and fifteen million dollars and interest paid to five hundred and sixteen million.
利益收入達到6.15億美元,而支付的利息為5.16億美元。
V:So, that's almost ten per cent up over the 1993 figure.
代表：這樣說來，這個數(shù)目比1993年增長了約10%。
E:Yes, the net interest income is pretty satisfactory indeed,
愛：是呀，這個凈利潤令我們非常滿意，
in what is, as you know, an intensely competitive market.
正如大家所知道的那樣，這是個競爭非常激烈的市場。
V:Oh, you also achieved a significant increase in non-interest income.
代表：噢，你們在非利息收入這一塊也獲得了很大的收益。
E:Yes, our non-interest income increases from forty-six million in 1993 to fifty-six million dollars at the end of the fiscal year 1994.
愛：是啊，我們的非利息收入從1993年的4600萬美元增長到1994年底的5 600萬美元。
You know, a part of the bank's policy is to limit dependence on net interest as a source of income and to develop its fee and commission earning activities.
大家都知道，本行的政策之一就是不僅僅是依靠貸款獲利，更重要的是應當通過其它方式，如賺取服務費，傭金等方式來增加本行的收益。
So 1994 income in this area accounted for a two per cent higher contribution to total income than was the case in 1993.
因此，與1993年相比，這部分的收益占本行總收入的比重增長了兩個百分點。
V:Yes, this is really an encouraging trend since the economic environment in general is changing.
代表：對呀。正因為總的經濟環(huán)境在變化，這真是一個令人鼓舞的發(fā)展趨勢。
It also shows your response to the sensitivity of interest rates in particular.
銀行利率的升降特別敏感，但貴行卻能調整對策，作出及時的反應。
E:Due to non-interest income of fifty-six million dollars,
愛：由于1994年的非常利息收入有5600萬美元，
our total group income in 1994 was twenty million dollars higher than the pervious financial year.
與1993年相比，我們銀行1994年財政年度的總收入增加了2000萬美元。
