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。
6 z, Q, G( ]+ F+ b" m1 h  S( d　　We're thinking of opening another two in Tianjin and Suzhou next year.
& K; K" v( S  h4 o　　我们正考虑明年在天津和苏州各设一个办事处。
+ h. H0 F6 ]; }6 q7 W　　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。
　　E:Really? I hope we will discuss the financial situation in Suzhou sometime later on.
4 `0 P; m! v- O! K3 u　　爱：真的啊！我希望我们能抽出空谈谈苏州的金融状况。
　　V:I'd like to if I can be of any help.
/ E1 ?0 ~! l8 s6 M　　代表：能对您有用的话，我很乐意的。
　　E:Now, let's begin with income of our bank last year.
1 c( y( t' ?( z' j　　爱：现在我来说说本行去年的收益状况。
5 |9 q$ |) R" \1 Q" x1 i) ?3 o: V　　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.
/ e! C' \0 z# E9 o9 t8 V: R0 W　　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.
　　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.
* S) ^( g. J6 C: \7 Q　　代表：你们1994年底投资收益达到9 900万美元。
　　E:That's exact good news for us. In the financial year 1994,
　　爱：对我们来说，是相当令人振奋的。在1994年这个财政年度里，
8 L0 \7 n( K8 b$ o; z5 l& W　　interest received amounted to six hundred and fifteen million dollars and interest paid to five hundred and sixteen million.
　　利益收入达到6.15亿美元,而支付的利息为5.16亿美元。
# w5 {7 ^. J/ s; N0 g, q0 k; A　　V:So, that's almost ten per cent up over the 1993 figure.
4 [- v- F$ s3 r　　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,
6 X: ^/ A* w' T; ]. M　　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.
　　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.
, J( E- Z- }5 b) K  h! F　　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。
/ c5 L  |+ `8 r- G; P- F　　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.
　　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。
) C7 }' \2 Q9 M# L) z　　So 1994 income in this area accounted for a two per cent higher contribution to total income than was the case in 1993.
/ h. L% Z2 p0 @　　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。
) h* G' P0 j: a& O) z; _　　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.
　　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。
　　E:Due to non-interest income of fifty-six million dollars,
" g& t) f8 T* D5 s* {　　爱：由于1994年的非常利息收入有5600万美元，
4 c, l; O! ~) j1 s7 o$ F7 g" I' b　　our total group income in 1994 was twenty million dollars higher than the pervious financial year.
) d6 c+ k2 e( ^) x4 E3 V' i* T　　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