Glossary entry (derived from question below)
français term or phrase:
impasse prêteuse/emprunteuse
anglais translation:
lending/borrowing deficit
Added to glossary by
Stephanie Mitchel
Dec 27, 2004 16:35
20 yrs ago
4 viewers *
français term
États-Unis
impasse prêteuse/emprunteuse
français vers anglais
Affaires / Finance
Finance (général)
This passage is a discussion of financial positions in various currencies for a large financial institution.
"Impasse prêteuse de 400 MF, augmentant à 5.800 MF à l'année 2, régulièrement amortie ensuite, pour devenir insignifiante à partir de l'année 12."
"Impasse emprunteuse de 1.200 M$ pour les années 1 et 2 diminuant des 2/3 aux années 3 et 4 et devenant négligeable ensuite."
"Impasse prêteuse de 400 MF, augmentant à 5.800 MF à l'année 2, régulièrement amortie ensuite, pour devenir insignifiante à partir de l'année 12."
"Impasse emprunteuse de 1.200 M$ pour les années 1 et 2 diminuant des 2/3 aux années 3 et 4 et devenant négligeable ensuite."
Proposed translations
(anglais)
| 4 -1 | deficit |
zaphod
|
| 5 | interest rate capped lendings/borrowings |
Jane Lamb-Ruiz (X)
|
| 3 +1 | impasse |
Philip Saffery
|
| 4 -1 | lending deadlock |
DocteurPC
|
Proposed translations
-1
1 heure
Selected
deficit
Lender / Borrower deficits
being written off over a period.
being written off over a period.
4 KudoZ points awarded for this answer.
Comment: "thanks zaphod!"
-1
58 minutes
français term (edited):
impasse pr�teuse/emprunteuse
lending deadlock
that's quite a deadlock of being stuck with - OK now a days $1,200M is peanuts but it's still a lot of peanuts
Peer comment(s):
| disagree |
Philip Saffery
: 1= lending (limit) 2 = borrowing (limit). Context will decide the best term for "impasse", but the key idea is lend vs.borrow which must be distinguished.
11 heures
|
| neutral |
Jane Lamb-Ruiz (X)
: agree with Philip plus deadlock is just not an accounting term...
23 heures
|
+1
12 heures
Philip Saffery
Native in anglais
NZ is (PST+5) - relax while we work !
Native in: samoan 
, tongien (îles Tonga) , anglais
Works in: français vers anglais, anglais vers français, russe vers anglais, and 14 more.
français term (edited):
impasse pr�teuse/emprunteuse
impasse
Stephanie
A suggestion to check out is "cap". Also see comment under DocteurPC
Happy Season !
Cheerio
Philip
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Note added at 12 hrs 45 mins (2004-12-28 05:20:25 GMT)
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On reflection, \"impasse\" as \"cap\" doesn\'t feel negative and unwished-for enough. So I agree more with zaphod\'s \"deficit\".
Cheerio
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Note added at 12 hrs 46 mins (2004-12-28 05:21:35 GMT)
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e.g. \'impasse budgetaire\' = \'B. deficit\' in my Collins.
Peer comment(s):
| agree |
Jane Lamb-Ruiz (X)
: I think your cap idea is right..and I think this is interest rate cap on borrowings and lendings..it's not a deficit...it's lending and borrowing on which there is a cap past which they will not lend or borrow
11 heures
|
23 heures
français term (edited):
impasse pr�teuse/emprunteuse
interest rate capped lendings/borrowings
OK..after much research et al, I have come to the conclusion they are talking about ''interest rate sensitive lending" and "interest rate sensitive borrowing"...which they CAP at a certain interest rate ie they will not borrow/lend over that rate cap.
BANKS ie financial instituitions use the word LENDINGS and BORROWINGS in their balance sheet accounting...ie lendings under ASSETS and borrowing under Liabilities.
check this out:
What is a “Gap”?
A tool used ****to judge a bank’s earnings exposure to interest rate movements is called a gap report. A bank’s gap over a given time period is the difference between the value of its assets that mature or reprice during that period and the value of its liabilities that mature or reprice during that period.*** If this difference is large (in either a positive or negative direction), then interest rate changes will have large effects on net interest income. In the table below, the term “rate sensitive” indicates the amount of assets or liabilities whose interest rates will change during selected time intervals.
Rate Sensitive Assets $ million Rates Sensitive Liabilities $ million Gap Change in Net Interest Income from change in interest rates
20 24 22 20 18 16 2 $20,000
Best I can do for you Stephanie...
:)
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Note added at 1 day 2 mins (2004-12-28 16:37:39 GMT)
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Here is another text on the rate issue. It is from the Société Générale\'s 2002 Annual Report.
Les actifs et les passifs sont analysés indépendamment sans
affectation a priori des ressources aux emplois. Les échéance-
ments des encours intègrent le résultat de la modélisation des
comportements historiques de la clientèle (épargne à régime
spécial, remboursements anticipés...), complétés d’hypo-
thèses à caractère partiellement conventionnel sur certains
agrégats (fonds propres et dépôts à vue principalement). Les
positions optionnelles sont traduites en équivalent delta afin
d’être homogènes et agrégeables aux positions sous-
jacentes. La détermination des impasses [interest rate cap albeit i n this case, not forex] permet de calculer la
sensibilité de la position à la variation des taux.
Le stress test utilisé est, à ce jour, une
BANKS ie financial instituitions use the word LENDINGS and BORROWINGS in their balance sheet accounting...ie lendings under ASSETS and borrowing under Liabilities.
check this out:
What is a “Gap”?
A tool used ****to judge a bank’s earnings exposure to interest rate movements is called a gap report. A bank’s gap over a given time period is the difference between the value of its assets that mature or reprice during that period and the value of its liabilities that mature or reprice during that period.*** If this difference is large (in either a positive or negative direction), then interest rate changes will have large effects on net interest income. In the table below, the term “rate sensitive” indicates the amount of assets or liabilities whose interest rates will change during selected time intervals.
Rate Sensitive Assets $ million Rates Sensitive Liabilities $ million Gap Change in Net Interest Income from change in interest rates
20 24 22 20 18 16 2 $20,000
Best I can do for you Stephanie...
:)
--------------------------------------------------
Note added at 1 day 2 mins (2004-12-28 16:37:39 GMT)
--------------------------------------------------
Here is another text on the rate issue. It is from the Société Générale\'s 2002 Annual Report.
Les actifs et les passifs sont analysés indépendamment sans
affectation a priori des ressources aux emplois. Les échéance-
ments des encours intègrent le résultat de la modélisation des
comportements historiques de la clientèle (épargne à régime
spécial, remboursements anticipés...), complétés d’hypo-
thèses à caractère partiellement conventionnel sur certains
agrégats (fonds propres et dépôts à vue principalement). Les
positions optionnelles sont traduites en équivalent delta afin
d’être homogènes et agrégeables aux positions sous-
jacentes. La détermination des impasses [interest rate cap albeit i n this case, not forex] permet de calculer la
sensibilité de la position à la variation des taux.
Le stress test utilisé est, à ce jour, une
Peer comment(s):
| neutral |
zaphod
: The phrase doesn't refer to rates, only to amounts increased to be amortized. You don't amortize interest rates.
1 jour 17 heures
|
|
there is no way one can tell anything really. This is about POSITIONS the bank takes in certain forex transactions....there really is not enough context. in any case, IMPASSE is NEVER DEFICIT. NEVER
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