Business expressions for Banking and Finance.

Need to know expressions in a financial context:

1. Retail Banking (Banca Minorista) EG..The biggest retail banks in Spain are Caixabank, Santander and BBVA.
2. Overdraft Facility (descubierto permitido) EG.. The bank allowed me an overdraft facility of 500 pounds to help me cover my excess electricity bills.
3. Small print (letra pequeña) EG.. You must check the small print of a loan agreement before signing it.
4. Consumer Credit Agreement (credito al consumidor) EG..Consumer credit agreements in the UK are regulated by the Financial Conduct Authority.
5. Book value (valor contable) EG..The market value of alot of banks (like Barclays) is less than the book value, despite the fact that 15 years have passed since the financial crisis.
6. Proprietory Trading (operaciones por cuenta propia) EG..Some commercial banks have large proprietory trading operations. Customer deposits must be ring-fenced (protegidos) from these,activities.
7. Loan to value (porcentaje del prestamo en comparacion con el valor de la casa). EG..Loan to value ratios seldom exceed 90% nowadays.
8. Hedge (proteger) EG..Banks often hedge their exposure  to the stock markets with derivatives.
9. Syndicated Loan (prestamo dividido entre muchas entidades) EG..Syndicated loans reduce risk and enable multi-nationals to expand their activities.
10. Securitisation (Titularizacion) EG..Securitisation is commonly used by banks to create new financial products, eg.. car loans. this are packaged together in a bundle (empaquetados) and pay high rates of interest to holders.