New Words
9 }4 y I. Z3 Q5 M# Y' O. X 新单词* Y- D* f1 a. n" S" E- z9 L
outgoings n.) c7 r) s- m& H7 S' j' j( S( _) }
开支,开销
6 i. n( }+ g+ E' u& J2 A provision n.
( {* d e8 g% H0 ~ 备付
9 |5 C3 \6 ~4 D4 F5 `4 B premises n.
. R! g* X; N0 S# e 房屋
$ |4 K, ~- k6 e" C2 r previous adj.
: `5 W: }8 b: A+ }7 ] 以前的,先的
! t) H, ?8 A7 M, i2 w$ K illustrate v.
+ C$ q o6 i, H- f. e 说明阐明
( u, D: u8 R4 ] w3 Q footing n./ T) ]0 {9 p. I. x
合计
G D# ?: _! o% X: W( N. K: D( { allocation n.
" A- O. f9 R. k- D% I 分配
" v; X7 h1 E1 U8 ^# v% f' r8 u reserve n.
; m' j- x. D6 Y3 G! e& `" o7 t$ m' i 储备金0 ]. B+ D! m! x8 p* K0 ?
Phrases & Expressions
3 q/ m% H4 K$ g( k fee-generating activities
' T& s$ U5 s5 I0 |1 ~6 d 增加费用的活动6 ]0 ~+ ^# H& q- v8 l1 @: U
leased assets" T |: O% c' s( k) r0 \
租赁资产8 O5 R" k5 }% ]2 z
in addition$ d& m3 L$ U, M0 X% o1 g& ^; m6 j
另外3 q; x8 ]( u) E, }* ]9 u
E:We've seen the income before our coffee break; now let's look at the outgoings.6 f: F5 ?$ }2 A
爱: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。1 X9 i- t) c, |) w
V:What is the largest amount of money you spent in 1994?, j' ^% t2 w' [1 m
代表:那么贵行1994年最大的支出项目是什么呢?7 ^; f. T x3 j1 X% \# e1 ^
E:Obviously, the largest of these is staff costs.( I! D* H% E6 Q$ O
爱:很明显,支出中最大的一块是员工开销。
( \& f# I2 H1 [+ N$ T' p It increased from fifty-five million dollars in the fiscal 1993 to sixty-five million dollars at the end of 1994.
! }4 [( r+ Q/ b9 v5 ~" B0 P 1993财政年度为500美元,到1994年底,就增长到6500万美元,
+ R7 ^1 C" L4 |0 \# ^ It covers forty-two per cent in the total group outgoings.
, Z. I# j5 o1 K4 u 占了总支出的42%。
/ ^$ W# A2 ?$ J( W% {2 E V:Why is the increase as large as eighteen per cent?
' o+ K/ h; c* H' T* t" t+ h7 y# G 代表:为什么这部分支出的增长率高达18%呢?
9 y8 w1 `, s1 R6 ^# X, l4 ~ E: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.
3 S8 @- X) v# f! K* I% G 爱: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。
6 d7 ]% x+ I: g2 b% O V:How about doubtful debt provision and depreciation?
( P1 d' i, W8 s. \( Z7 V 代表:那么坏帐充资金和折旧费用呢?
% X. v* ?+ D. {2 f" ^+ Q& U E:Provisions for doubtful debts amounted to eight million dollars,5 p9 p @+ Q+ N1 k, c/ U
爱:坏帐抵充资金高达800万美元,
& s" @) U, W; p% t5 U: H& g& D6 x/ D an increase of sixty per cent;# ~* Q1 \- ?6 Z( v( u* U
增长了60% 。
+ b( C* u: Y# N s while depreciation on leased assets and on premises and equipment decreased from sixteen million dollars to fifteen million dollars.) s u; e4 Y$ B. R) h6 [
而租赁资产的折旧费以及营业大楼。设备的折旧费则从1 600万美元降至1500美元。" W& n8 [# f" Q* G$ `; u
V:Is depreciation calculated on a straight line basis?
Q- F2 x* Z2 e/ ^2 Z8 S 代表:折旧费是采用直线折旧法来计算的吗?: H( {: o" m7 V& I+ u5 }; P
E:Yes, that' how we calculate depreciation.& b5 \. ~/ [! k. R9 @9 V+ y* w% ^
爱:是的,我们就是按照直线折旧法来算的。
9 E0 S2 S' m4 _3 T9 m% v V:Besides the largest of outgoings, staff costs, as well as provision for doubtful debts and depreciation,; e1 F/ r, q0 f+ Z5 _( A
代表:除去员工费用最大的一块支出,以及坏帐准备金及折旧费之外,) f+ w3 b; g2 A( k& ?* o
how about expenses, on tax, dividends?
6 O5 c" u. _, Z# g 其它,如纳税和股票支出情况呢?
* |: b& b- ~9 q$ j, G. m# B/ Z E:Tax, not much to say really. We paid five million dollars more than in 1993.
8 v V5 G) e1 A! [' i% |0 U 爱: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,
' S4 z g/ I3 @3 O+ Q: J That is, we paid up to twenty-five million dollars in the financial year of 1994.; Z/ H, G& s" F4 t2 A: A5 I i
即达2 500万美元。
% J3 D4 e) S* n4 |/ ^- t; O8 J As for dividends paid to our shareholders,
( ~5 ]* o) P; L; n) o# E 我们支付给股东们的股息,, y! @2 P+ A A: b& R
they remained unchanged over the previous fiscal year at five million dollars.
$ C+ W$ z; G. K/ i$ j2 e+ A 则与1993年底持平,均为500 万美。
- I% W# q5 U i6 S+ D V:How so?
/ n/ T$ W4 h2 k 代表:就这么多?
1 N' y$ o* `. p- B0 ]' S E:Because the major part of the year's profit was retained to expand our consolidated capital base.7 o$ @- C/ I+ i
爱: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。
7 i8 q5 ]% t5 A/ _/ H5 b3 K4 o This was the first year in which our balance sheet footings passed the three billion dollars mark.
1 w, W& I& C5 u5 j, K) f4 c j 1994年是我们的资产负债表上累计超过30亿美元的第一年。
! ^4 ^7 \6 O% T- r2 ` V:In addition, is there any sharp increase in other costs?
8 e9 _' R1 o* B3 E7 y [ 代表:除此以外,其它费用还有哪些部分增长迅速吗?7 m% V4 M! }+ t' a2 r
E:No. On the contrary, other expenses increased by only a little under seventeen per cent.
u$ u4 X* A, u) D0 @- q 爱:没有了。相对说来,其它费用只增长了一点点,不到17%。 n# ~ A& E/ x" O8 r% T$ ?
That's the smallest annual increase since 1989.3 v' S1 Q0 p( ~3 [& E1 z
这是1989年以来支出年度增长最少的一年。. Q# l/ b9 ~) B6 o; k/ h0 [+ {
Personally, I think it illustrates our determination to bring costs under control.+ Z, e9 X) n# [ W" k. r+ F; H
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。
$ N4 ]8 q, i. D! p; b V:What's your yearly profit after paying dividends to shareholders?. H) C" B# K* h! J2 l) s( L- m$ A
代表:扣除股东的股息,贵行的年利润有多少?7 ~# C2 V K! M9 R
E:After allocation of the dividends, there remained a net undistributed balance for the year of nine million dollars.
: D5 s u$ B2 J2 u" Y 爱:支付完股东的股息后,剩下的非分配利润有900万美元, |