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Question		Answer
money in coins and banknotes start learning		cash
the dollar, the euro and the yen are called start learning		currencies
money placed in banks and other savings institutions constitutes start learning		deposits
money available in the banking system for individuals and businesses to borrow is start learning		credit
money borrowed from a bank is a start learning		loan
money borrowed from a bank to buy property or real estate is a start learning		mortgage
borrowed money that has to be paid back constitutes a start learning		debt
all the money a person receives is known as start learning		income
a fixed amount of money earned for a week's manual work is called start learning		wages
money received for working extra hours is called start learning		overtime
a fixed annual amount of money paid to an employee in monthly instalments is a start learning		salary
extra money paid to employees for good financial results is a start learning		bonus
money paid to salespeople and agents depending on the amount of goods sold is start learning		commission
money paid to lawyers, architects, auditors etc for professional services is called start learning		fees
money paid by the goverment to unemployed and sick people is called start learning		social security, welfare
money paid by the government or a former employer to a retired person is a start learning		pension
the money that will eventually be used to pay pensions is kept in a start learning		fund
the money needed to start a company start learning		capital
estimated expenditure and income is often written down in a start learning		budget
money paid for the use of a house or flat is start learning		rent
aktywa i pasywa start learning		assets and liabilities
podejście start learning		approach
wymagać start learning		to demand
świadomy start learning		conscious
receive and hold customers' deposits in current and savings accounts, pay money according to customers' instructions, lend money to individuals and small businesses start learning		commercial banks
give financial advice to large companies, raise capital for them by issuing stocks or shares and bonds, organize mergers and takeovers start learning		investment banks
receive customers’ deposits and lend mortgages to buy homes (houses and flats) start learning		building societies
supervise the banking system, hold part of commercial banks’ reserves, manage a country's gold and foreigh currency reserves, implement monetary policy, fix the minimum interest rate, issue coins and banknotes, control the money supply etc start learning		central banks
manage the assets of rich people (or high net worth individuals). start learning		private banks
pass cheques and other payments (credit card payments, direct debits, etc.) through the banking system start learning		clearing banks
do not pay the interest to depositors or charge interest to borrowers, for religious reasons, but invest in companies and share the companies' profits or losses with the bank's depositors start learning		islamic banks
provide financial services and make very small loans (microcredits) to poor people in developing countries, to help them set up in business start learning		microfinance banks
provide financial protextion against loss, offer life insurance start learning		insurance companies
investment companies that pool money from many investors and invest it in stocks, bonds and other securities start learning		mutual funds or investment funds
private investment funds for wealthy investors that use high-risk, speculative strategies that are not used by ordinary mutual funds, in order to achieve higher returns start learning		hedge funds
take more risk than ordinary mutual funds start learning		hedge funds
implement monetary policy and try to control the money supply start learning		central banks
help companies raise capital by issuing stocks and bonds start learning		investment banks
make very small loans in developing countries start learning		microfinance banks
manage the assets of wealthy people start learning		private banks
lend money to ppl to buy houses and apartments start learning		building societies
pay interest to depositors, but current accounts sometimes do not start learning		savings accounts
when two or more companies join together start learning		merger
when one company acquires or buys another one start learning		takeover
the total amount of money in circulation in an economy. start learning		money supply
the price paid for borrowing money, paid to the lenders. start learning		interest
the money invested in a business start learning		capital
funds which banks have to hold to allow depositors to withdraw money. start learning		reserves
decisions concerning the money supply, exchange rates, and the level of interest start learning		monetary policy
an interest-paying debt certificate issued by the government or companies to raise money start learning		bond
a certificate representing one unit of ownership of a company. start learning		stock certificate
a bank that will lend money to financial institutions in difficulty if no other bank will start learning		a lender or last resort LoR
oddziały banku start learning		bank branches
przelew bankowy start learning		bank transfer
pays little or no interest start learning		current or checking account
pay interest, but advance notice is often required to withdraw money start learning		deposit and savings accounts
bankomat start learning		cash dispenser, cash maschine, ATM
a fixed sum of money, lent for a fixed period, on which the borrower pays interest start learning		loan
an arrangement by which a customer can withdraw more than is in the account start learning		overdraft
fraudulent attempts to acquire intormation like usernames, logins, passwords and credit card details, by sending emails pretending to be from a bank or an online retailer start learning		phishing
involves redirecting internet users to a fraudulent server start learning		pharming
złośliwe oprogramowanie start learning		malware

Banking

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