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.
　　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.
6 D* B! F4 j3 i) Z3 O2 i! s　　代表：太巧了。我是苏州人。苏州发展非常快速。
　　E:Really? I hope we will discuss the financial situation in Suzhou sometime later on.
! h# O7 G8 H; K& T　　爱：真的啊！我希望我们能抽出空谈谈苏州的金融状况。
- z1 [' h1 v7 l& v% i7 H* p1 p　　V:I'd like to if I can be of any help.
, a7 w0 a8 `! o7 j. K$ x% l# W6 Q　　代表：能对您有用的话，我很乐意的。
, a6 g9 {# c2 ]7 q　　E:Now, let's begin with income of our bank last year.
5 ]# v/ w  @: |3 a* a! C1 D* s　　爱：现在我来说说本行去年的收益状况。
/ W8 e  z) Q, Y5 L/ ]　　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，
　　That's an increase of...
　　增长了．．．．
　　E:Of nearly fifteen per cent over the year before last,
　　E：差不多增长了15%，
　　a rate of increase slightly above that of recent years.
; n+ s- w) `. O　　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.
　　代表：你们1994年底投资收益达到9 900万美元。
* |. \2 @1 X. B/ v) S' A, w　　E:That's exact good news for us. In the financial year 1994,
2 Y1 f6 X5 |, g5 R+ A* j　　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.
( M* v% E0 x- N/ h) q; k+ E　　利益收入达到6.15亿美元,而支付的利息为5.16亿美元。
　　V:So, that's almost ten per cent up over the 1993 figure.
+ a  h/ \. C, T- g' l  N, [* t& S' \　　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，
0 r! i, F$ \' ^　　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.
1 _4 G5 e4 G; ~8 N　　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.
! q3 B+ G! |5 u8 I+ B/ J$ X　　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。
/ ~  A" J  B; k　　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.
( P8 H+ j+ n9 O" D, n　　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。
/ p8 W8 b( M* K( s  c$ \　　So 1994 income in this area accounted for a two per cent higher contribution to total income than was the case in 1993.
! O- ?1 n$ L& G& o　　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。
　　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。
　　It also shows your response to the sensitivity of interest rates in particular.
0 D5 I4 y/ P5 g9 ]7 k1 O　　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。
+ q% x5 _: O  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，
　　our total group income in 1994 was twenty million dollars higher than the pervious financial year.
$ h# [8 V9 y. R! H6 k) Z+ y% o　　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