current account	rachunek bieżący, oszczędnościowo-rozliczeniowy (BrE)
checking account	rachunek bieżący, oszczędnościowo-rozliczeniowy (AmE)
savings or deposit account	konto oszczędnościowe (BrE); dwa wyrażenia
notice account	konto oszczędnościowe (AmE)
cashpoint	bankomat (BrE)
ATM (Automated Teller Machines)	bankomat (AmE)
chequebook	książeczka czekowa (BrE)
checkbook	książeczka czekowa (AmE)
credit card	karta kredytowa
debit card	karta debetowa
loan	a sum of money borrowed from a bank
mortgage	hipoteka (kredyt pod zastaw domu)
overdraft	przekroczenie stanu konta, debet; limit w rachunku bieżącym
receive deposits from, and make loans to, individuals and small companies	what do commercial banks do?
High Street banks	=commercial banks in BrE
big co., financial advice, issuing stocks/shares & bonds, megers, takeover bids	what do stockbrokers do?
retail banks	other name for commercial banks
deposit	money placed in a bank
capital	the money invested in a business
certificates representing part-ownership of a company	shares
certificates of debt issued by governments or companies to raise money	bonds
merger	when one company combines with another one
when one company offers to buy or acquire another one	takeover bid
takeover bid	when one company offers to buy or acquire another one
all the investments owned by an individual or organization	portfolio
returns	profits made on investments
unable to pay debts or continue to do business	bankrupt
the ending or relaxing of legal restrictions	deregulation
a group of companies, operating in different fields, which have joined together	conglomerates
the price paid for borrowing money, paid to the lenders	interest
competitive advantage / competitive edge	what an organization can do better than its competitors
able to continue over a period of time	sustainable
sales forecasts	the sales businesses expect to acheive in a particular period of time
where total costs equal total income from sales and the company makes neither a loss nor a profit	break-even point
the total income received by a business before any expenses are paid	revenue
exit strategy	an investor's plan for getting their investment back and potentially realizing a profit
founders	the people who establish a company or other organization
personnel	the people who are employed in an organization
cash flow	the money a company receives minus the money it spends during a certain period
part ownership of a company in the form of stocks or shares	equity
funds operated by investment companies that invest people's money in various assets	mutual funds
funds that invest money that will be paid to people after they retire from work	pension funds
the amount of capital making up a bond or other loan	principal
coupon	the amount of interest that a bond pays
insolvent	unable to pay debts
creditors	people or institutions to whom money is owed
payments by companies to their shareholders	dividends
fixed maturity date	when the bondholders get back their originall investment (principal)
market makers	businesses that buy and sell securities
securities	papiery wartościowe
bid price	the price at which a buyer is prepared to buy a security at a particular time
offer price	the price at which a seller is prepared to sell a security at a particular time
the rate of income an investor receives from a security	yield
non-bank financial intermediaries	car manufacturers, food retailers and department stores
private investment funds for wealthy investors; a wide variety of (risky) investing strategies	hedge funds
1934-1999; separation of commercial banking, investment banking and stockbrocking firms	the Glass Steagall Act
1929	Wall Street Crash - when?
US, Britain, Japan	countries where regulations prevented commercial banks from doing investment banking business
Germany, Switzerland	coutries where large banks did all kinds of financial business
interest-free banking in Islamic countries; they share profits and losses with their depositors	Islamic banks
2007	American hous prices begun to fall in..
those with poor credit ratings and consequently a high risk of default	subprime borrowers
a type of asset-backed security that is secured by a mortgage,	MBS: mortgage-backed securities
a type of structured asset-backed security, encompassing mortgage backe securities	CDO: collaterized debt obligations
to pool	to group together
write off	umorzyć (np. kredyt); cancel a bad debt or a worthless asset from an account
toxic debt	worthless subprime MBSs are now often referred to as...
credit "crunch" / credit crisis	a massive reduction in the amount of credit available for banks to lend; 2 wyrażenia
credit rating	estimates of people's ability to fulfil their financial commitments
default	failure to repay a loan
with property or another asset used as a guarantee of payment	collaterized
a guarantee for the bank in the form of a property in case there are difficulties with the repayment	collateral
financial capital provided to early-stage, high-potential, high risk, growth startup companies	venture capital
the underlying assets giving value to a company, investment or loan	asset base
zbierać (owoce pracy)	reap
CVs of the managers, promotional materials, etc.; aneksy, załączniki	business plan appendix or appendices
streszczenie dla kierownictwa	executive summary
issuing shares on the stock market	equity finance
borrowing money, usually by issuing bonds	debt finance
Treasury notes	US bonds with a maturity of two to ten years
Treasury bonds	US bonds with a maturity of ten to 30 years
gilt-edged stock or gilts	British government bonds
secondary market	market where investors purchase securities or assets from other investors
maklerstwo, pośrednictwo handlowe	brokerage
triple A-rated	totally safe government bonds
soar	rise quickly
kickstart	to revive or stimulate something
a standard used when comparing other things	benchmark
bessa	market slump
o wysokim przychodzie	high-yiedl