Angielski semestr III

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The abbreviation for a company's earnings before interest and taxes
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EBIT
All the securities and financial assets held by a financial institution
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Portfolio
An evolution of a borrower's ability to pay interest and pay back a loan in the future
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Credit rating
Something of value that secures a loan or other credit; if the borrower cannot repay, the lender can
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Collateral
The date on which a loan must be repaid, or a length of time until this date
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Maturity
The difference between the interest rate a lender pays and the rate it charges its borrowers
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Margin
The expenses of operating a business that are not directly related to individual product or services (electricity, telephones, administrative costs)
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Overhead costs
The maximum amount that a bank will lend to a costumer
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credit limit
The money generated from a business's normal activities
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Operating cash flow
The price (interest rate) that a financial institution must pay for the use of money
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Cost of funds
A name for investors who buys shares because they expect their prices to rise
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Bulls
Assets a borrower uses to secure or guarantee a loan
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Collateral
People who buy and re-sell shares in a very short time, often just a few hours
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Day traders
When you have no money to pay your debts, so you have to sell your assets
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Bankruptcy
A name for shareholders who sell because they expect the price to fall
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Bears
Certificates representing part - ownership of a company
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Shares
To get money from investors with which to run a company
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Raise capital
A period of rapidly rising share prices, followed by a quick relapse
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Bubble
Financial organizations who own a lot of shares
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Institutional investors
To offer securities for sale, to financial institution and the public
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Issue
to fire people
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To cut jobs
to encourage people or companies to buy shares
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To attract investors
to demand that a loan is repaid
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To call in a loan
to separate
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To strip out
... is a contract giving the possibility to sell a specified quantity of securities, foreign exchange, or commodities in the future, if it is advantageous to do so
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Put option
raw materials such as agricultural products and metals that are traded on special exchanges
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Commodities
are forward contracts for the purchase and sale of securities, precious metals, etc., at a fixed price
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Futures
is a contract giving the buyer the right, but not the obligation, to buy an asset in the future.
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Call option
you make transactions that are designed to reduce risk regarding a particular price, interest rate or exchange rate
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hedge
is an exchange of future payments on borrowed money according to specified terms
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Interest rate swap
... an option you use or implement the option, taking up the possibility to buy or sell something
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exercise
anticipates future changes in a market and makes risky transactions, hoping to make a gain
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Speculator
is the money the writer of an option receives
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