Vocabulario Inglés

Banking & finance - intermediate

accountant (noun) = a person who keeps financial records and prepares financial reports

accounts payable (noun phrase) = the department in a company which keeps records of money that the company

accounts receivable (noun phrase) = the department in a company which keeps records of money owed by other

accrue (verb) = increase or grow

acquisition (noun) = a takeover of another company

across-the-board (adjective phrase) = including all parts of a company

annuity (noun) = the payment of a fixed sum of money at regular intervals

arbitration (noun) = a process in which an impartial person helps resolve a dispute

asset (noun) = a thing of value that a business owns (usually plural)

audit (noun) = an examination of a company's financial records to check for accuracy

balance of trade (noun phrase) = the difference between a country's imports and exports

balance sheet (noun phrase) = financial statement showing what a company owns and owes at a given time

ballpark figure (noun phrase) = a rough estimate of an amount

bankruptcy (noun) = a legal procedure that allows a business to avoid paying its debts

barter (noun) = the exchange of goods or services without using money

bear market (noun phrase) = a long period of decline in a stock, bond, or commodity market

black market (noun phrase) = a market in which people buy and sell goods illegally

blocked currency (noun phrase) = a currency that cannot be converted into another currency because of government

blue-chip stock (noun phrase) = a stock that has a high price because of its long history of good profits and growth

blue-collar worker (noun phrase) = an employee whose job involves manual labor

bond (noun) = a certificate of debt that guarantees payment of the amount of the bond plus

borrow (verb) = to receive something as a loan

bottom line (noun phrase) = net profit, loss, or result

branch (noun) = a local office of a bank

budget (noun) = a list of expected expenses and income for a period of time

bull market (noun) = a long period of increase in a stock, bond, or commodity market

cap (noun) = a limitation or ceiling

capital (noun) = the amount of money invested in a business

capitalism (noun) = an economic system in which the means of production, for example farms and
factories, are privately owned

cartel (noun) = a group of companies in the same industry that work together to control prices or

cashier's check (noun phrase) = a check written by a bank and signed by a bank official

central bank (noun phrase) = the official bank of a country that controls all monetary policy for that country

certificate of deposit (noun phrase) = a financial product in which consumers leave money with a bank for a set period of
time and receive interest

checking account (noun phrase) = a kind of bank account in which money may be taken out by writing checks

chief financial officer (noun phrase) = CFO; a corporate official who has authority over and responsibility for the finances
of the organization

commodity (noun) = merchandise that is for sale

compound interest (noun) = interest that is paid on the principal and any previous interest which has been
added to the principal

contract (noun) = a written legal agreement

contribution margin (noun) = profit (before tax) as a percentage of sales

controller (noun) = the highest-ranking accounting official in a company

corporation (noun) = a legal entity that is separate from the people in it and is able to own property and
conduct business

cost of living (noun phrase) = the average cost for all of the things necessary for life, such as housing, food, and

cost-effective (adjective phrase) = profitable enough or rewarding enough to be worth the cost

credit (noun) = an arrangement in which a buyer receives goods but pays for them in the future

credit card (noun phrase) = an identification card issued by a bank or financial institution that allows the holder
to buy goods on credit

credit union (noun phrase) = a cooperative financial institution that makes loans to members at low interest rates

creditor (noun) = someone who is owed money

currency (noun) = any form of money

debit (noun) = an item of debt, typically entered in the left-hand side of an accounting ledger

debt (noun) = money that someone owes

deflation (noun) = a reduction in prices; the opposite of inflation

deposit (verb) = put money into a bank account

depreciate (verb) = lose value

depression (noun) = a psychological condition characterized by sadness and lethargy

down payment (noun phrase) = a portion of the full amount owed that is given to a seller at the time of the purchase

downsize (verb) = reduce the number of employees

earn (verb) = get money for work

earnings (noun) = gross revenue or income

earnings report (noun phrase) = a statement showing the revenues and expenses of a company for a specific period

entrepreneur (noun) = someone who starts a business

exchange rate (noun phrase) = the price of one currency compared to the price of another currency

expense (noun) = a cost or charge, usually in exchange for a product or service

feasibility (noun) = the possibility of being able to do something

fee (noun) = a charge from a person, an institution, or a law

finance (noun) = the subject of getting and managing money

finance department (noun phrase) = the department in a company which is responsible for accounting, investments, and

financial (adjective) = having to do with money

financially sound (adjective phrase) = in good financial condition

fiscal year (noun phrase) = financial year

forecast (noun) = a statement about what might happen in the future

founder (noun) = a person who starts a company or organization

funds (noun) = money

high-return (adjective) = producing a large profit

in the black (prepositional phrase) = profitable

in the red (prepositional phrase) = unprofitable

inflation (noun) = a general increase in the prices of goods and services

interest (noun) = money paid for the use of funds

inventory (noun) = a list of property owned by a person or organization

investment (noun) = the money that is paid into or for something to earn a profit

investor (noun) = someone who pays money into or for something to earn a profit

labor (noun) = work done by people

leverage (verb) = to use assets effectively to gain money

liability (noun) = money that a company or person owes

liquidate (verb) = change assets into cash

loan (noun) = a sum of money received that must be paid back, usually with interest

logistics (noun) = the details of managing a plan or activity

loss (noun) = a financial condition in which expenses are greater than income

management (noun) = the people in an organization who have supervisory responsibilities

maximize (verb) = to use something in the best, most efficient way

merger (noun) = a combining of two companies in which one company buys the assets of the other

minutes (noun) = an official record of the events and decisions of a meeting

nonprofit (adjective) = related to an organization whose primary goal is not to make money but to support
itself and its mission

outstanding share (noun phrase) = a unit of a corporation's stock that has been issued and is owned by the public or by
private investors

partnership (noun) = two or more people joining together in a business, sharing profits and losses

prime rate (noun phrase) = the interest rate that a bank charges its customers with the highest credit rating

principal (noun) = amount of money borrowed

profit (noun) = the amount of money that remains when a company subtracts expenses from

profitable (adjective) = having more income than expenses

projected earnings (noun phrase) = amount of money a company expects to make

property (noun) = land or buildings that can be bought and sold

raise money (verb phrase) = arrange to get money

receipt (noun) = a piece of paper that shows that you bought something and how much you paid for

recession (noun) = a moderate decline in economic activity

rent (noun) = money paid for the use of property

retail (noun) = the sale of products in a store to individual customers

revenue (noun) = money that is made from a business or an investment, before expenses and taxes
are paid

risk (noun) = possibility that something bad might happen

rolling in money (adjective phrase) = having a lot of money; rich

royalties (noun) = a payment to the owner of something for its use, often as a percentage of sales

savings account (noun phrase) = a bank account that pays interest but does not allow check writing

shareholders (noun) = people who own shares of stock in a company

start-up (noun) = a small, new company

stock (noun) = equally divided parts in the ownership of a company

stock offering (noun phrase) = opportunity for people to buy stock in a company

stock option (noun phrase) = a legal agreement that gives you the chance to buy part of your company at a
specific price during a specific time

subsidiary (noun) = a company owned by another company

trademark (noun) = a word or symbol that a manufacturer uses to identify its products

turn around (verb phrase) = change for the better

vacancy rate (noun phrase) = the percentage of a building or area that is unoccupied

valuation (noun) = an estimate of how much something is worth, such as a company or building

venture (noun) = new, and possibly risky, business activity

venture capital (noun phrase) = equity investment in a new company by a professional investor

venture capitalist (noun phrase) = a professional who invests in many new companies

white-collar worker (noun phrase) = a person who has a technical or professional job and does not do manual labor

wholesale (adjective) = the sale of goods to someone who will resell them

will (noun) = a legal document containing a person's instructions on how to dispose of his or her
property after death

windfall (noun) = an unexpected profit or gain

write-off (noun) = the removal of an asset from a company's financial records

yield (noun) = the amount of profit from an investment