- •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
V
1949
2551
Income taxes
Effect of exchange rate changes on cash and due from banks Net increase in cash and due from banks Cash and due from banks at the beginning of the year Cash and due from banks at end of year |
(289) 2354 |
31 428 |
9031 11385 |
8603 9031 |
|
|
||
Supplemental disclosure of cash flow information Cash paid during the year for Interest |
13415 |
14458 |
ocabulary Notes
statement of cash flows - отчет о движении денежных средств;
cash flows from operating activities - денежные потоки от текущей деятельности;
adjustments - корректировки;
reconcile - согласовывать, приводить в соответствие;
depreciation - уценка;
goodwill - деловая репутация;
acquisition premium costs - издержки на выплату премии прежним владельцам поглощенной компании;
deferred taxes - отсроченные налоговые платежи;
net gain on sale of securities - чистая прибыль от реализации ценных бумаг;
accruals - начисления;
cash flows from investing activities - денежные потоки от инвестиционной деятельности;
deposits at interest with banks - депозиты в других банках, по которым выплачиваются проценты;
securities available for sale - легко реализуемые ценные бумаги;
proceeds from sales - поступления от продаж;
maturity - срок платежа по векселю;
business acquisitions - поглощения других компаний;
capital expenditures - капиталовложения;
real estate - недвижимость;
cash flows from financing activities - денежные потоки от финансовой деятельности;
commercial papers - краткосрочные векселя;
issuance of long-term debt - эмиссия долгосрочных долговых обязательств;
repayment - погашение;
contribution from parent company - финансовая помощь от материнской компании;
redemption of preferred stock - выкуп привилегированных акций;
treasury stock repurchases - выкуп собственных акций у акционеров;
exchange rate - обменный курс;
supplemental disclosure of information - дополнительное раскрытие информации.
4. Financial report of the small enterprise. 'Balance sheet of HiFi Sounds'
In dollars |
1999 |
1998 |
Assets |
|
|
Cash |
794 |
411 |
Marketable securities |
0 |
0 |
Accounts receivable |
5776 |
1479 |
Inventory |
6073 |
2629 |
Prepaid expenses |
415 |
114 |
Other current assets |
173 |
0 |
Current assets |
13231 |
4633 |
Gross fixed assets |
11162 |
5886 |
Less accumulated depreciation |
(992) |
(651) |
Net fixed assets |
10170 |
5235 |
Long-term investments |
0 |
0 |
Intangible assets |
0 |
0 |
Other noncurrent assets |
336 |
177 |
Total assets |
23737 |
10045 |
Liabilities and Equity |
|
|
Notes payable - bank |
2114 |
901 |
Accounts payable |
7688 |
3555 |
Accruals |
1959 |
1173 |
Income tax payable |
87 |
0 |
Current maturity - term notes |
0 |
0 |
Current maturity - long term debt |
474 |
525 |
Other current liabilities |
0 |
0 |
Current liabilities |
12322 |
6154 |
Deferred tax liability |
173 |
0 |
Term notes |
0 |
0 |
Long-term debt |
3015 |
2679 |
Other noncurrent liabilities |
224 |
250 |
Total liabilities |
15734 |
9083 |
Common stock - par |
93 |
75 |
Paid-in surplus |
6985 |
3349 |
Retained earnings |
925 |
(2462) |
Stockholders' equity |
8003 |
962 |
Total liabilities and equity |
23737 |
10045 |