Kolokwium 1

Question 1

a current account/checking account

Answer 1

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

Question 2

a saving or deposit account/time or notice account

Answer 2

the account on which you keep your savings

Question 3

cashpoints or ATMs

Answer 3

the machine which enables your withdrawing money

Question 4

a chequebook or checkbook

Answer 4

piece of paper that enables you paying some sum of money

Question 5

a credit card

Answer 5

karta kredytowa

Question 6

a debit card

Answer 6

karta debetowa

Question 7

a loan

Answer 7

a sum of money borrowed from a bank

Question 8

a mortgage

Answer 8

a loan to buy a property or real estate

Question 9

an overdraft

Answer 9

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

Question 10

investment advice

Answer 10

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

Question 11

deposit

Answer 11

money placed in a bank

Question 12

capital

Answer 12

the money invested in a business

Question 13

stocks and shares

Answer 13

certificates representing part-ownership of a company

Question 14

bonds

Answer 14

certificates of debt issued by governments or companies to raise money

Question 15

merger

Answer 15

when a company combines with another one

Question 16

takeover bid

Answer 16

when one company offers to buy or acquire another one

Question 17

stockbroking

Answer 17

buying and selling stocks or shares for clients

Question 18

portfolio

Answer 18

all the investments owned by an individual or organization

Question 19

return

Answer 19

the profits made on investment

Question 20

bankrupt

Answer 20

unable to pay debts or continue to do business

Question 21

deregulation/ repeal

Answer 21

the ending or relaxing of legal restrictions

Question 22

conglomerates

Answer 22

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

Question 23

interest

Answer 23

the price paid for borrowing money, paid to lenders

Question 24

write off

Answer 24

cancel a bad debt or a worthless asset from an account

Question 25

credit rating

Answer 25

estimates of people's ability to fulfil their financial commitments

Question 26

default

Answer 26

failure to repay a loan

Question 27

cash flow

Answer 27

the money generated by an investment

Question 28

collateralized

Answer 28

with property or another asset used as a guarantee of payment

Question 29

wziąc pożyczkę

Answer 29

to take out a loan

Question 30

płacić odsetki od pożyczki

Answer 30

to pay interest on a loan

Question 31

kasjer w banku

Answer 31

teller

Question 32

a middleman

Answer 32

an intermediary

Question 33

spread

Answer 33

różnica między oprocentowanie kredytu, a wkładów

Question 34

standing orders

Answer 34

zlecenia stałe

Question 35

zadłużyć się

Answer 35

to run up a debt

Question 36

zysk/rentowność obligacji

Answer 36

yield

Question 37

zdolność kredytowa

Answer 37

credit rating/worthiness/standing

Question 38

chciwość

Answer 38

greed

Question 39

termin zapadalności

Answer 39

maturity of a loan

Question 40

papiery wartościowe zabezpieczone hipoteką

Answer 40

MBO

Question 41

papiery wartościowe oparte na długu

Answer 41

CDO

Question 42

bazowe, podstawowe

Answer 42

underlying

Question 43

subprime

Answer 43

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

Question 44

izba rozliczeniowa

Answer 44

clearing house

Question 45

compatitive advantage

Answer 45

what an organisation can do better than its competitors

Question 46

sustainable

Answer 46

able to continue over a period of time

Question 47

sales forecast

Answer 47

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

Question 48

break-even point

Answer 48

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

Question 49

revenue

Answer 49

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

Question 50

exti strategy

Answer 50

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

Question 51

founders

Answer 51

the people who establish a company or other organization

Question 52

staff

Answer 52

people who are employed in an organization

Question 53

equity finance

Answer 53

based on issuing shares

Question 54

debt finance

Answer 54

based on issuing bonds

Question 55

cash flow

Answer 55

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

Question 56

equity

Answer 56

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

Question 57

mutual funds

Answer 57

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

Question 58

pension funds

Answer 58

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

Question 59

principal

Answer 59

the amount of capital making up a bond or other loan

Question 60

maturity date

Answer 60

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

Question 61

coupon

Answer 61

the amount of interest that a bond pays

Question 62

insolvent, bankrupt

Answer 62

unable to pay debts

Question 63

creditors

Answer 63

people or institutions to whom money is owed

Question 64

dividends

Answer 64

payments by companies to their shareholders

Question 65

brokerage companies

Answer 65

businesses that buy and sell securities

Question 66

bid

Answer 66

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

Question 67

offered price

Answer 67

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

Question 68

yield

Answer 68

the rate of income an investor receives from a security

Question 69

IPO

Answer 69

initial public offering

Question 70

EIB

Answer 70

European investment bank

Question 71

zmienny, niepewny

Answer 71

volatile

Question 72

współczynnik wypłacaloności

Answer 72

capital adequacy

Question 73

gospodarstwo domowe

Answer 73

a household

Question 74

inwestować, ryzykować

Answer 74

venture

Question 75

an in-depth research

Answer 75

expertise

Question 76

support, impulse

Answer 76

prod

Question 77

compete

Answer 77

to take on

Question 78

działalność biznesowa

Answer 78

business activity

Question 79

wypracować

Answer 79

workout

Question 80

simplify

Answer 80

streamline

Question 81

inwestycje wysokiego ryzyka

Answer 81

venture capital

Question 82

your achievements, results, projects you were involved in

Answer 82

track record

Question 83

total failure

Answer 83

flop

Question 84

companies with firm market position

Answer 84

established companies

Question 85

odwrotnie proporcjonalnie

Answer 85

inversely

Question 86

tax deductible

Answer 86

some part of your tax that you can write off