overdraft	the possibility to borrow money by spending more than you have in your bank account - DEBET
mortgage	a loan to buy property or real estate - KREDYT HIPOT.
hedge funds	private investment funds for wealthy investors that use a wide variety of investing strategies
non-bank financial intermediares	instytucje parabankowe
deposit	money placed in bank
loan	a sum of money borrowed from bank
capital	the money invested in a business
share/stock	certificates representing part-ownership of a company
bond	certificates of debt issued by goverments or companies to raise money
merger	when one company combines with another one
takeover bid	when one company offers to buy or acquire another one
portfolio management	buying or selling stocks or shares for client
portfolio	all the investments owned by an individual or organization
returns	the profits made on investments
bankrupt	unable to pay debts or continue to do business
deregulation/repeal	the ending or realxing of legal restrictions
conglomerate	a group of comapnies, operating on different fields which have joined togehter
intrests	the price paid for the borrowing money, paid to the lenders - ODSETKI
subprime	pierwotny
subprime mortgage	mortgage with higher level of risk than normal
collateralized	with property or another asset used as a guarantee of payment
underlying	basic
credit crunch	the crysis of the credit market
MBS	mortgage-backed securities
CDO	collateralized debt obligations
credit rating	estimates of people`s ability to fulfil their financial commitments
default	failure to repay a loan
cash flow	the money generated by an investment
write off	cancel a bad debt or a worthless asset from an account
microfinance	small investments by lending money
balkanization banking	making the specific bank regions which belongs only to one bigger bank by fragmenting macro regions
retreat	step back; remove