银行英语口语一听就会Chapter 1 银行介绍 Unit 4 银行状况（3）

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[00:01.38]银行业务
[00:03.12]很高兴能有机会与你们谈谈本行的有关业务状况。
[00:08.40]A： I’m glad to give you some information about my bank.很高兴能有机会与你们谈谈本行的有关业务状r。
[00:16.77]B： The diagram in your hand is a copy of our last annual report.各位手里拿的正是我们公司去年的年度报告。
[00:30.71]Yes, it gives key figures relating to your bank’s activities and financial performance during 1994.正是，这份报表已列出了 1994年度贵行的各项经营业务及财务状况的关键数据。
[00:41.38]经营状况
[00:45.03]爱德华兹博士，您能否先用最简短的话概括一下贵行去年的经营状况？
[00:50.86]A： Dr. Edwards, would you please first give us a very short description of your performance last year?爱德华兹博士，您能否先用最简短的话概括―下贵行去年的经营状况？
[01:04.08]B： Fine.很乐意。
[01:11.70]AS of December 31 st '1994，the Northland’s ZB Bank Corporation was the sixth largest in USA, based on stockholders equity, and the seventh largest based on deposits.到1994年12月31日为止，本银行北方ZB银行集团，名列美国第六名。第六名是按照股本产权来统计的。如按银行存款额来统计，则名列全美国第七。
[01:30.06]办事处
[01:32.98]目前本银行有980个办事处分布在全球各地。
[01:38.43]A：The bank has more than 980 offices around the world.目前本银行有980个办事处分布在全球各地。
[01:47.87]B:You have an office in Beijing，don’t you?你们在北京也有办事处吧？
[01:58.23]We established our offices first in Beijing, then in Shanghai and in Guangzhou. 第一个我们设在北京，接着在上海及广州也设立了办事处。
[02:04.58]We’re thinking of opening another two in Tianjin and Suzhou next year.我们正考虑明年在天津和苏州各设一个办事处。
[02:10.37]That’s terrific. I’m from Suzhou, which is developing rapidly.太巧了。我是苏州人。苏州发展非常快速。
[02:15.31]Really? I hope we will discuss the financial situation in Suzhou sometime later on. 真的啊！我希望我们能抽出空谈谈苏州的金融状况。
[02:22.60]I’d like to if I can be of any help.能对您有用的话，我很乐意的。
[02:29.10]收益情况
[02:31.16]现在我来说说本行去年的收益状况。
[02:36.08]A： Now, let's begin with income of our bank last year.现在我来说说本行去年的收益状r。
[02:43.42]B： Your total group income in 1994 amounted to one hundred and fifty-five million U.S. dollars compared with one hundred and thirty-five million U.S. dollars for fiscal 1993. That’s an increase of...贵行1994年总收入为1.55亿美元，而1993年则为 1.35 亿美元，增长了……
[03:14.03]Of nearly fifteen percent over the year before last, a rate of increase slightly above that of recent years.差不多增长了 15%，是最近几年增长率较高的一年。
[03:22.74]That’s exact good news for us. In the financial year 1994，interest received amounted to six hundred and fifteen million dollars and interest paid to five hundred and sixteen million.对我们来说，是相当令人振奋的。在1994年这个财政年度里，利益收入达到6.15亿美元，而支付的利息为5.16亿美元。
[03:36.47]So, that’s almost ten percent up over the 1993 figure.这样说来，这个数目比1993年增长了约10%。
[03:42.19]Yes, the net interest income is pretty satisfactory indeed, in what is, as you know, an intensely competitive market. 是呀，这个净利润令我们非常满意，正如大家所知道的那样，这是个竞争非常激烈的市场。
[03:54.57]银行支出
[03:57.23]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。
[04:04.39]A：We’ve seen the income before our coffee break; now let’s look at the outgoings.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。
[04:17.80]B:What is you the largest amount of money you spent in 1994?那么贵行1994年最大的支出项目是什么呢？
[04:31.75]Obviously, the largest of these is staff costs.很明显，支出中最大的一块是员工开销。
[04:36.56]It increased from fifty-five million dollars in the fiscal 1993 to sixty-five million dollars at the end of 1994.1993财政年度为500美元，到1994年底，就增长到6500万美元。
[04:49.09]支出增长原因
[04:53.20]为什么这部分支出的增长率高达18%呢？
[04:55.99]A： Why is the increase of this part outgoing as large as eighteen percent?为什么这部分支出的增长率高达18%呢？
[05:04.97]B： 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.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。
[05:29.22]How about doubtful debt provision and depreciation?那么坏账充资金和折旧费用呢？	
[05:33.91]Provisions for doubtful debts amounted to eight million dollars, an increase of sixty percent; while depreciation on leased assets and on premises and equipment decreased from sixteen million dollars to fifteen million dollars.坏账抵充资金高达800万美元，增长了60%。而租赁资产的折旧费以及营业大楼。设备的折旧费则从1600万美元降至1500美元。
[05:54.01]折旧费
[05:56.24]折旧费是采用直线折旧法来计算的吗？
[06:00.81]A： Is depreciation calculated on a straight line basis?折旧费是采用直线折旧法来计算的吗？
[06:08.40]B： Yes, that' how we calculate depreciation.是的，我们就是按照直线折旧法来算的。
[06:20.87]Besides the largest of outgoings, staff costs, as well as provision for doubtful debt and depreciation, how about expenses, on tax, dividends?除去员工费用最大的一块支出，以及坏账准备金及折旧费之外，其他，如纳税和股票支出情况呢？
[06:32.80]Tax, not much to say really. We paid five million dollars more than in 1993.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，
[06:40.29]That is, we paid up to twenty-five million dollars in the financial year of 1994.即达2500万美元。
[06:47.27]How so?就这么多？
[06:49.22]Because the major part of the year’s profit was retained to expand our consolidated capital base.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。
[06:56.06]This was the first year in which our balance sheet footings passed the three billion dollars mark.1994年是我们的资产负债表上累计超过30亿美元的第一年。
[07:06.40]其其他费用增长
[07:08.86]除此之外，有没有其他费用也存在迅速增长的情况？
[07:13.39]A： In addition, is there any sharp increase in other costs?除此之外，有没有其他费用也存在迅速增长的情况？
[07:22.34]B: No. On the contrary, other expenses increased by only a little under seventeen percent. That’s the smallest annual increase since 1989.没有了。相对说来，其他费用只增长了一点点，不到17%。这是1989年以来支出年度增长最少的一年。
[07:48.84]Personally, I think it illustrates our determination to bring costs under control. 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。
[07:57.61]年利率
[08:00.10]扣除股东的股息，贵行的年利润有多少？
[08:04.46]A： What's your yearly profit after paying dividends to shareholders?扣除股东的股息，贵行的年利润有多少？ 
[08:13.43]B： After allocation of the dividends, there remained a net undistributed balance for the year of nine million dollars. The total amount was transferred to reserves to ^over)unexpected events.支付完股东的股患后，剩下的非分配利润有900万美元，用作应付特别紧急的需要的储备金。
[08:40.62]So as your annual report indicates, all this adds up to total group outgoings of one hundred and fifty-five million dollars.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。
[08:50.36]Yes, the figure of total group outgoings exactly balances out with the total income.对，这部分支出额与总收入相平衡。
[08:57.04]Now，we have a clearer picture of the source of income and the application of income for your bank in 1994 compared with 1993.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。

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银行英语口语一听就会Chapter 1 银行介绍 Unit 4 银行状况（3）