- •Reading Practice in English for Students of Finance
- •Block 1. Functions of the Financial System and the Financial Markets a. Functions of the Financial System
- •Savings Function
- •Wealth Function
- •Liquidity Function
- •Credit Function
- •Payments Function
- •Policy Function
- •B. The Financial Markets and Financial System
- •Vocabulary Notes
- •Block 2. The Study of Money and Capital Markets
- •A. The Money Market versus the Capital Market
- •B. Divisions of the Money and Capital Markets
- •Vocabulary Notes
- •A. Money and Functions
- •The Medium of Exchange
- •Other Functions of Money
- •B. Central Banking. The Bank and the Money Supply
- •Reserved Requirements
- •C. The Discount Rate
- •D. A Plain Man's Guide to Investment
- •Vocabulary Notes
- •Exercises
- •Block 4. The Central Bank of the Russian Federation
- •Open-market Operations
- •Monetary and Exchange-Rate Policy Central-bank Policy
- •Vocabulare Notes
- •Exercises
- •Block 5. British Banking
- •Overseas Banks
- •Foreign Banks
- •The Merchant Banks
- •The Stock Exchange
- •Vocabulary Notes
- •Block 6. Barclays Bank Account Why a Bank Account Makes Sense
- •A Current Account with Three Options to Choose from
- •The Options in Brief
- •Interest Option
- •Instant Option
- •Bank Charges
- •Your Statement
- •Using Barclays Cheque Book What is a Cheque?
- •How to Pay for Goods and Services by Cheque
- •How to Obtain Cash with a Cheque
- •How to Get a New Cheque Book
- •How to Stop a Cheque
- •If you have used a Barclays cheque guarantee card to issue a cheque, it cannot be stopped. Using your Barclays plastic cards
- •How to pay for goods and services using Barclays connect
- •How to obtain cash using your Barclays connect or Barclaybank card
- •Making regular payments
- •Standing orders
- •1. Dialogue
- •Brokerage services
- •2. Dialogue
- •Governmental controls 3. Dialogue
- •Structure and functions of a bank in the u.S.
- •4. Dialogue
- •Currency and other forms of exchange in the u.S.
- •5. Dialogue
- •Block 8. Financial Reports Consolidated financial report of the large financial holding company
- •1. Consolidated statements of income of Citicorp and subsidiaries
- •Vocabulary Notes
- •2. Consolidated balance sheets of Citicorp and subsidiaries
- •Vocabulary Notes
- •3. Consolidated statement of cash flows of Citicorp and subsidiaries
- •Income taxes
- •4. Financial report of the small enterprise. 'Balance sheet of HiFi Sounds'
- •Vocabulary Notes
- •5. Income Statement of HiFi Sounds
- •Vocabulary Notes
- •Grammar Reference Грамматический справочник Личные формы глагола в предложении.
- •1. Времена глагола в действительном и страдательном залогах. Изъявительное наклонение.
- •Сводная таблица
- •Образование времен в страдательном залоге
- •Перевод сказуемого в страдательном залоге
- •Сводная таблица
- •2. Сослагательное наклонение
- •Формы сослагательного наклонения
- •Употребление сослагательного наклонения
- •3. Модальные глаголы и их эквиваленты
- •Сочетание модальных глаголов с Perfect Infinitive
- •Сочетание модальных глаголов с infinitive passive
- •4. Многофункциональные глаголы Функции глаголов should и would
- •Функции глагола то do в предложении
- •Функции глагола то have в предложении
- •Функции глагола то be в предложении
- •Он, она, оно (о неодушевленных предметах)
- •Указательное местоимение «это»
- •Наиболее употребительные составные союзы и предлоги и сочетания с as
- •What is a bank?
- •Bank Services: Old and New
- •Payments
- •Intermediation
- •Figure 1.2. Bank Goals and Constraints
- •Interest Rate Risk
- •Risk management
- •Importance of capital budgeting
- •Generating ideas for capital projects
- •Oject classifications
- •Increasing importance of financial management
- •The financial manager's responsibilities
Vocabulary Notes
financial report - финансовый отчет;
financial holding company - финансовая холдинговая компания;
consolidated statements of income - консолидированный отчет о прибылях и убытках;
subsidiary - дочерняя компания;
interest revenue - процентный доход;
fees - гонорары, комиссионные платежи;
deposits with banks - депозиты в других банках;
federal funds sold - предоставленные межбанковские кредиты;
securities purchased under resale agreement - ценные бумаги, приобретенные по соглашению об обратном выкупе;
trading account assets - активы торгового счета;
loans held for sale - ссуды для перепродажи;
interest expenses- процентные расходы;
trading account liabilities - обязательства по торговому счету;
purchased funds - полученные межбанковские кредиты;
other borrowings - другие заемные средства;
long-term debts - долгосрочные долговые обязательства;
net interest revenue - чистый процентный доход;
provision for credit losses - резерв на возможные потери по ссудам;
foreign exchange - операция с иностранной валютой;
securities transactions - операции с ценными бумагами;
operating expenses- операционные расходы;
employee benefits - премии сотрудникам банка;
premises - помещения;
restructuring-related items - расходы по реструктуризации
merger-related costs - расходы по слияниям;
income before taxes - доход до налогообложения;
income taxes - налоги на прибыль;
net income - чистый доход.
2. Consolidated balance sheets of Citicorp and subsidiaries
In millions of dollars Assets Cash and due from banks Deposits at interest with banks Securities, at fair value Available for sale and short-term and other |
1999 11385 12095 46592 |
1998 9031 11643 41671 |
venture capital |
4160 |
3297 |
Trading account assets |
31540 |
33667 |
Loans held for sale |
4463 |
5013 |
Federal funds sold and securities purchased under resale agreements |
6048 |
6888 |
Loans, net consumer |
148715 |
132255 |
Commercial |
96738 |
88024 |
Loans, net of unearned income |
245453 |
220279 |
Allowance for credit losses |
(6679) |
(6617) |
Total loans, net |
238774 |
213662 |
Customers' acceptance liability |
1133 |
1280 |
Premises and equipment, net |
4900 |
5390 |
Interest and fees receivable |
3836 |
3900 |
Other assets |
23644 |
20492 |
Total |
388570 |
355934 |
Liabilities |
|
|
Non-interest-bearing deposits in U.S. offices |
19492 |
17058 |
Interest-bearing deposits in U.S. offices |
49462 |
44169 |
Non-interest-bearing deposits in offices outside the U.S. |
12132 |
10856 |
Interest-bearing deposits in offices outside the U.S. |
179627 |
154052 |
Total deposits |
260713 |
226135 |
Trading account liabilities |
27429 |
30171 |
Purchased funds and other borrowings |
25096 |
25495 |
Acceptances outstanding |
1222 |
1381 |
Accrued taxes and other expense |
8416 |
7250 |
Other liabilities |
13204 |
13967 |
Long-term debt |
26443 |
26849 |
Stockholder's Equity |
|
|
Common stocks |
— |
— |
Surplus |
5844 |
5361 |
Retained earnings |
20498 |
19928 |
Accumulated other changes in equity from nonowner sources |
(295) |
(603) |
Total Stockholder's Equity |
26047 |
24686 |
Total |
388570 |
355934 |