Üti angol 2. előadás:Banking and the stock market

advisory services

professional financial advice provided to clients on issues such as strategy, restructuring, transactions, and capital structure

ask price

the price at which a seller or market maker is willing to sell a security

asset management

the professional management of investments and portfolios on behalf of individuals or institutions

ATMs (Automated Teller Machines)

electronic banking machines that allow customers to withdraw cash, check balances, and often perform other account transactions

Bank of England (BoE)

the central bank of the United Kingdom

bearis

expecting prices or market values to fall, or describing a market in which prices are generally falling

bears

investors who expect the market or a particular asset to fall in value

bid price

the price a buyer or market maker is willing to pay for a security

bonds

debt securities through which an investor lends money to a government or company in exchange for interest and repayment of principal

borrower

a person, company, or organization that receives money as a loan and is required to repay it

building societies

member-owned financial institutions, especially in the UK, traditionally associated with savings accounts and mortgage lending

bullish

expecting prices or market values to rise, or describing a market in which prices are generally rising

bulls

investors who expect the market or a particular asset to rise in value

business loans

loans provided to companies to finance operations, equipment, expansion, or other business needs

capital appreciation

the increase in the market price or value of an asset over time

capital raising

the process of obtaining funds for a business or government, for example by issuing shares or bonds

cash dispensers

machines that allow bank customers to withdraw cash and often perform other basic banking transactions; also called ATMs

central bank

the main financial authority of a country, responsible for monetary policy, currency stability, banking supervision, and overall financial stability

collateral

an asset pledged as security for a loan that the lender may claim if the borrower fails to repay

commodities

physical goods such as gold, oil, metals, or agricultural products that can be traded as investment assets

convert into cash

to sell or exchange an asset so that it becomes available as money

credit and lending services

banking services through which money or credit is provided to customers who repay it later, usually with interest

credit cards

payment cards that allow customers to borrow money up to an approved limit and repay it later

credit unions

member-owned financial cooperatives that accept deposits and provide loans and other services to eligible members

cryptocurrencies

digital assets based on cryptographic and distributed-ledger technologies, such as Bitcoin and Ethereum

current account in the UK, or checking account in the US

a bank account designed for frequent everyday transactions such as deposits, withdrawals, transfers, and payments