Kolokwium 1 Flashcards

1
Q

a current account/checking account

A

the account on which you keep money for day to day life

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2
Q

a saving or deposit account/time or notice account

A

the account on which you keep your savings

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3
Q

cashpoints or ATMs

A

the machine which enables your withdrawing money

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4
Q

a chequebook or checkbook

A

piece of paper that enables you paying some sum of money

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5
Q

a credit card

A

karta kredytowa

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6
Q

a debit card

A

karta debetowa

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7
Q

a loan

A

a sum of money borrowed from a bank

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8
Q

a mortgage

A

a loan to buy a property or real estate

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9
Q

an overdraft

A

the possibility to borrow money by spending more than you have in your bank account; debit

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10
Q

investment advice

A

kind of advice, on what your should spend your money to get some benefits from it

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11
Q

deposit

A

money placed in a bank

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12
Q

capital

A

the money invested in a business

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13
Q

stocks and shares

A

certificates representing part-ownership of a company

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14
Q

bonds

A

certificates of debt issued by governments or companies to raise money

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15
Q

merger

A

when a company combines with another one

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16
Q

takeover bid

A

when one company offers to buy or acquire another one

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17
Q

stockbroking

A

buying and selling stocks or shares for clients

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18
Q

portfolio

A

all the investments owned by an individual or organization

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19
Q

return

A

the profits made on investment

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20
Q

bankrupt

A

unable to pay debts or continue to do business

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21
Q

deregulation/ repeal

A

the ending or relaxing of legal restrictions

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22
Q

conglomerates

A

a group of companies, operating in different fields, which have joined together

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23
Q

interest

A

the price paid for borrowing money, paid to lenders

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24
Q

write off

A

cancel a bad debt or a worthless asset from an account

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25
Q

credit rating

A

estimates of people’s ability to fulfil their financial commitments

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26
Q

default

A

failure to repay a loan

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27
Q

cash flow

A

the money generated by an investment

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28
Q

collateralized

A

with property or another asset used as a guarantee of payment

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29
Q

wziąc pożyczkę

A

to take out a loan

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30
Q

płacić odsetki od pożyczki

A

to pay interest on a loan

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31
Q

kasjer w banku

A

teller

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32
Q

a middleman

A

an intermediary

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33
Q

spread

A

różnica między oprocentowanie kredytu, a wkładów

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34
Q

standing orders

A

zlecenia stałe

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35
Q

zadłużyć się

A

to run up a debt

36
Q

zysk/rentowność obligacji

A

yield

37
Q

zdolność kredytowa

A

credit rating/worthiness/standing

38
Q

chciwość

A

greed

39
Q

termin zapadalności

A

maturity of a loan

40
Q

papiery wartościowe zabezpieczone hipoteką

A

MBO

41
Q

papiery wartościowe oparte na długu

A

CDO

42
Q

bazowe, podstawowe

A

underlying

43
Q

subprime

A

a type of loan made to people with poor credit worthiness and no proof of income

44
Q

izba rozliczeniowa

A

clearing house

45
Q

compatitive advantage

A

what an organisation can do better than its competitors

46
Q

sustainable

A

able to continue over a period of time

47
Q

sales forecast

A

the sales business expect to achieve in a particular period of time

48
Q

break-even point

A

where total costs equal total income from sales and the company makes neither a profit non a loss

49
Q

revenue

A

the total income received by a business before any expenses are paid

50
Q

exti strategy

A

an investor’s plan for getting their investment back and potentially realising a profit

51
Q

founders

A

the people who establish a company or other organization

52
Q

staff

A

people who are employed in an organization

53
Q

equity finance

A

based on issuing shares

54
Q

debt finance

A

based on issuing bonds

55
Q

cash flow

A

the money a company receives minus the money it spends during certain period

56
Q

equity

A

part ownership of a company in the form of stocks or shares

57
Q

mutual funds

A

funds operated by investment companies that invest people’s money in various assets

58
Q

pension funds

A

funds that invest money that will be paid to people after they retire from work

59
Q

principal

A

the amount of capital making up a bond or other loan

60
Q

maturity date

A

the length of time for which a bond is issued (until it is repaid)

61
Q

coupon

A

the amount of interest that a bond pays

62
Q

insolvent, bankrupt

A

unable to pay debts

63
Q

creditors

A

people or institutions to whom money is owed

64
Q

dividends

A

payments by companies to their shareholders

65
Q

brokerage companies

A

businesses that buy and sell securities

66
Q

bid

A

the price at which a buyer is prepared to buy a security at a particular time

67
Q

offered price

A

the price at which seller is prepared to sell a security at a particular time

68
Q

yield

A

the rate of income an investor receives from a security

69
Q

IPO

A

initial public offering

70
Q

EIB

A

European investment bank

71
Q

zmienny, niepewny

A

volatile

72
Q

współczynnik wypłacaloności

A

capital adequacy

73
Q

gospodarstwo domowe

A

a household

74
Q

inwestować, ryzykować

A

venture

75
Q

an in-depth research

A

expertise

76
Q

support, impulse

A

prod

77
Q

compete

A

to take on

78
Q

działalność biznesowa

A

business activity

79
Q

wypracować

A

workout

80
Q

simplify

A

streamline

81
Q

inwestycje wysokiego ryzyka

A

venture capital

82
Q

your achievements, results, projects you were involved in

A

track record

83
Q

total failure

A

flop

84
Q

companies with firm market position

A

established companies

85
Q

odwrotnie proporcjonalnie

A

inversely

86
Q

tax deductible

A

some part of your tax that you can write off