金融英语口语 35.Bank Performan 2

[00:00.00]New Words [00:00.81]新单词 [00:01.62]outgoings n. [00:02.39]开支，开销 [00:03.16]provision n. [00:03.88]备付 [00:04.60]premises n. [00:05.38]房屋 [00:06.16]previous adj. [00:06.87]以前的，先的 [00:07.58]illustrate v. [00:08.35]说明阐明 [00:09.12]footing n. [00:09.81]合计 [00:10.50]allocation n. [00:11.47]分配 [00:12.43]reserve n. [00:13.20]储备金 [00:13.98]Phrases & Expressions [00:16.40]fee-generating activities [00:17.67]增加费用的活动 [00:18.94]leased assets [00:19.91]租赁资产 [00:20.87]in addition [00:21.66]另外 [00:22.44]E:We've seen the income before our coffee break; now let's look at the outgoings. [00:25.01]爱：我们在喝咖啡休息以前看到了本行的收益情况，现在再来看看支出情况。 [00:27.59]V:What is the largest amount of money you spent in 1994? [00:30.13]代表：那么贵行1994年最大的支出项目是什么呢? [00:32.68]E:Obviously, the largest of these is staff costs. [00:34.55]爱：很明显，支出中最大的一块是员工开销。 [00:36.41]It increased from fifty-five million dollars in the fiscal 1993 to sixty-five million dollars at the end of 1994. [00:40.80]1993财政年度为500美元，到1994年底，就增长到6500万美元， [00:45.19]It covers forty-two per cent in the total group outgoings. [00:47.40]占了总支出的42%。 [00:49.61]V:Why is the increase as large as eighteen per cent? [00:51.58]代表：为什么这部分支出的增长率高达18%呢? [00:53.55]E:It is partly because of the increase in staff numbers required to deal with the expansion of the bank's fee-generating activities which I have just mentioned in the income section. [00:58.63]爱：这一方面是由于增加了职工人数，用于从事前面我所提到的增加服务佣金等工作。 [01:03.71]V:How about doubtful debt provision and depreciation? [01:06.04]代表：那么坏帐充资金和折旧费用呢? [01:08.36]E:Provisions for doubtful debts amounted to eight million dollars, [01:10.73]爱：坏帐抵充资金高达800万美元， [01:13.09]an increase of sixty per cent; [01:14.24]增长了60% 。 [01:15.39]while depreciation on leased assets and on premises and equipment decreased from sixteen million dollars to fifteen million dollars. [01:19.61]而租赁资产的折旧费以及营业大楼。设备的折旧费则从1 600万美元降至1500美元。 [01:23.83]V:Is depreciation calculated on a straight line basis? [01:25.83]代表：折旧费是采用直线折旧法来计算的吗? [01:27.82]E:Yes, that' how we calculate depreciation. [01:29.64]爱：是的，我们就是按照直线折旧法来算的。 [01:31.45]V:Besides the largest of outgoings, staff costs, as well as provision for doubtful debts and depreciation, [01:35.10]代表：除去员工费用最大的一块支出，以及坏帐准备金及折旧费之外， [01:38.74]how about expenses, on tax, dividends? [01:40.68]其它，如纳税和股票支出情况呢? [01:42.61]E:Tax, not much to say really. We paid five million dollars more than in 1993. [01:45.81]爱：税，真的不必多说。1994年这一财政年度，我们比1993年多交纳税多500万美元， [01:49.01]That is, we paid up to twenty-five million dollars in the financial year of 1994. [01:52.22]即达2 500万美元。 [01:55.44]As for dividends paid to our shareholders, [01:56.92]我们支付给股东们的股息， [01:58.41]they remained unchanged over the previous fiscal year at five million dollars. [02:00.80]则与1993年底持平，均为500 万美。 [02:03.19]V:How so? [02:03.89]代表：就这么多? [02:04.58]E:Because the major part of the year's profit was retained to expand our consolidated capital base. [02:07.67]爱：因为我们决定保留1994年度大部分利润来扩大我行的合并资本。 [02:10.77]This was the first year in which our balance sheet footings passed the three billion dollars mark. [02:13.62]1994年是我们的资产负债表上累计超过30亿美元的第一年。 [02:16.46]V:In addition, is there any sharp increase in other costs? [02:18.41]代表：除此以外，其它费用还有哪些部分增长迅速吗? [02:20.36]E:No. On the contrary, other expenses increased by only a little under seventeen per cent. [02:23.80]爱：没有了。相对说来，其它费用只增长了一点点，不到17%。 [02:27.25]That's the smallest annual increase since 1989. [02:29.20]这是1989年以来支出年度增长最少的一年。 [02:31.14]Personally, I think it illustrates our determination to bring costs under control. [02:34.08]我个人的看法是：以上这些数字表明我们控制费用增长额度的决心。 [02:37.02]V:What's your yearly profit after paying dividends to shareholders? [02:39.35]代表：扣除股东的股息，贵行的年利润有多少? [02:41.67]E:After allocation of the dividends, there remained a net undistributed balance for the year of nine million dollars. [02:45.38]爱：支付完股东的股息后，剩下的非分配利润有900万美元， [02:49.09]The total amount was transferred to reserves to cover unexpected events. [02:51.51]用作应付特别紧急的需要的储备金。 [02:53.92]V:So as your annual report indicates, all this adds up to total group outgoings of one hundred and fifty-five million dollars. [02:58.40]代表：所以说，正如你们的年度报表写明的，贵行支出总额为1.55亿美元。 [03:02.88]E:Yes,the figure of total group outgoings exactly balances out with the total income. [03:05.74]爱：对，这部分支出额与总收入相平衡。 [03:08.60]V:Now, we have a clearer picture of the source of income and the application of income for your bank in 1994 compared with 1993. [03:13.79]代表：到现在为止，我们对贵行1994年度的收入及其使用情况，以及与1993年的对比情况，都有了清晰的了解。

00:00

00:00

MP3下载 文本下载