金融英语学习：Bank Performan 1（2）

会计考友

　　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。
　　We're thinking of opening another two in Tianjin and Suzhou next year.
. T( z; h) c4 o& @' \　　我们正考虑明年在天津和苏州各设一个办事处。
　　V:That's terrific. I'm from Suzhou, which is developing rapidly.
　　代表：太巧了。我是苏州人。苏州发展非常快速。
7 n5 p, O  E. x* l　　E:Really? I hope we will discuss the financial situation in Suzhou sometime later on.
　　爱：真的啊！我希望我们能抽出空谈谈苏州的金融状况。
$ }( c* S8 ^" |- r! B' c; ^6 m　　V:I'd like to if I can be of any help.
" z4 e1 K$ b8 t- ?! D3 B# W8 ?　　代表：能对您有用的话，我很乐意的。
" F! K( o* N) ~! Z( v3 u+ @5 ?　　E:Now, let's begin with income of our bank last year.
: c3 i* D% g5 i( c0 H0 k/ ]5 @　　爱：现在我来说说本行去年的收益状况。
1 S2 V. R- Q/ _4 K1 r　　V:Your total group income in 1994 amounted to one hundred and fifty-five million US dollars compared with one hundred and thirty-five million US dollars for fiscal 1993.
　　代表：贵行1994年总收入为1.55亿美元,而1993年则为1.35亿美元，
" s3 N8 @0 \% E7 [　　That's an increase of...
　　增长了．．．．
　　E:Of nearly fifteen per cent over the year before last,
; a! J8 S# B0 o  \; J7 j) k' W　　E：差不多增长了15%，
$ W, y$ N1 ^( A( C5 m9 |　　a rate of increase slightly above that of recent years.
　　是最近几年增长率较高的一年。
　　V:Your net interest earning at the end of 1994 reached ninetynine million dollars.
* {6 Q6 `8 x% _, Z7 d4 k　　代表：你们1994年底投资收益达到9 900万美元。
0 B- O. {2 B, S( I1 e) `' S& k　　E:That's exact good news for us. In the financial year 1994,
- v  J' \- d% [5 t　　爱：对我们来说，是相当令人振奋的。在1994年这个财政年度里，
　　interest received amounted to six hundred and fifteen million dollars and interest paid to five hundred and sixteen million.
" G$ g6 t& Q  m3 P　　利益收入达到6.15亿美元,而支付的利息为5.16亿美元。
) w: a1 d0 s* {) \: y　　V:So, that's almost ten per cent up over the 1993 figure.
　　代表：这样说来，这个数目比1993年增长了约10%。
　　E:Yes, the net interest income is pretty satisfactory indeed,
　　爱：是呀，这个净利润令我们非常满意，
　　in what is, as you know, an intensely competitive market.
　　正如大家所知道的那样，这是个竞争非常激烈的市场。
　　V:Oh, you also achieved a significant increase in non-interest income.
' s$ {# T6 W+ U1 l. r3 N/ c& s　　代表：噢，你们在非利息收入这一块也获得了很大的收益。
　　E:Yes, our non-interest income increases from forty-six million in 1993 to fifty-six million dollars at the end of the fiscal year 1994.
　　爱：是啊，我们的非利息收入从1993年的4600万美元增长到1994年底的5 600万美元。
　　You know, a part of the bank's policy is to limit dependence on net interest as a source of income and to develop its fee and commission earning activities.
, g+ Y2 ~# o! n! [. V  M　　大家都知道，本行的政策之一就是不仅仅是依靠贷款获利，更重要的是应当通过其它方式，如赚取服务费，佣金等方式来增加本行的收益。
　　So 1994 income in this area accounted for a two per cent higher contribution to total income than was the case in 1993.
% Z! ~" H5 D1 K+ l0 ^　　因此，与1993年相比，这部分的收益占本行总收入的比重增长了两个百分点。
% ~+ o1 l7 K' c/ W: ?0 V, G　　V:Yes, this is really an encouraging trend since the economic environment in general is changing.
　　代表：对呀。正因为总的经济环境在变化，这真是一个令人鼓舞的发展趋势。
1 d) q* X' l+ g, }8 H1 y, w　　It also shows your response to the sensitivity of interest rates in particular.
# x' O: A* y( L) ]　　银行利率的升降特别敏感，但贵行却能调整对策，作出及时的反应。
# H0 _* L/ ^2 C* E9 o1 {, Z　　E:Due to non-interest income of fifty-six million dollars,
　　爱：由于1994年的非常利息收入有5600万美元，
6 W" A6 i0 l" ?( R5 r$ M" |+ M　　our total group income in 1994 was twenty million dollars higher than the pervious financial year.
　　与1993年相比，我们银行1994年财政年度的总收入增加了2000万美元