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  3. Finance (general)

impiego creditizio

English translation: lending

GLOSSARY ENTRY (DERIVED FROM QUESTION BELOW)
Italian term or phrase:impiego creditizio
English translation:lending
Entered by: Adele Oliveri

08:11 Jun 5, 2008
Italian to English translations [PRO]
Bus/Financial - Finance (general)
Italian term or phrase: impiego creditizio
I'd be really grateful for you help on this one. It's from the annual report of a bank

l margine di interesse evidenzia una crescita principalmente per i maggiori volumi di impiego creditizio nel comparto dei mutui retail

Thanks
Julie Preston
United Kingdom
Local time: 02:25
lending
Explanation:
I'd definitely say lending, not borrowing - a bank generally lends out to borrowers.
However, I am not 100% sure this is the right, formal term for it. Let's wait to see what others have to say.
Selected response from:

Adele Oliveri
Italy
Local time: 03:25
Grading comment
Perfect! Thanks to all!
4 KudoZ points were awarded for this answer



Summary of answers provided
3 +5lending
Adele Oliveri
4(due mainly to higher volumes of retail) credit utilization
Pompeo Lattanzi
4Bank credit
Olga Buongiorno
4 -1borrowing
Emma Drew
3Credit use
Gad Kohenov


  

Answers


1 min   confidence: Answerer confidence 4/5Answerer confidence 4/5 peer agreement (net): -1
borrowing


Explanation:
I'd go for this

Emma Drew
Italy
Local time: 03:25
Native speaker of: Native in EnglishEnglish
PRO pts in category: 4

Peer comments on this answer (and responses from the answerer)
disagree  James (Jim) Davis: Net interest income would increase because the bank increased its volumes of lending (impiego creditizio" and it would fall if it increased its borrowing.
7 mins
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3 mins   confidence: Answerer confidence 3/5Answerer confidence 3/5 peer agreement (net): +5
lending


Explanation:
I'd definitely say lending, not borrowing - a bank generally lends out to borrowers.
However, I am not 100% sure this is the right, formal term for it. Let's wait to see what others have to say.

Adele Oliveri
Italy
Local time: 03:25
Specializes in field
Native speaker of: Native in ItalianItalian
PRO pts in category: 214
Grading comment
Perfect! Thanks to all!

Peer comments on this answer (and responses from the answerer)
agree  Olivia Bisegna
5 mins
  -> grazie Olivia :-)
agree  James (Jim) Davis: impiego is lending and raccolta is funding. impiego=use creditizia=lending. In this context has to be lending or loans
6 mins
  -> I thought so. I just wanted to be sure I wasn't completely off track. Thanks.
agree  Paul O'Brien: even when adele is "off track" she's still right.
46 mins
  -> it happens sometimes - but not as often as you seem to imply :-) thanks Pauley!
agree  Patricia Crotty
1 hr
  -> grazie Patricia :-)
agree  Nitin Goyal
2 hrs
  -> thank you Nitin :-)
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10 mins   confidence: Answerer confidence 4/5Answerer confidence 4/5
(due mainly to higher volumes of retail) credit utilization


Explanation:
credit is "extended" by a "bank" but in order to generate revenue it must be "utilized". Obviously we are talking here of "retail credit" to consumers.
The context given by the whole sentence makes it quite clear in my opinion.


    Reference: http://ezinearticles.com/?Debt-to-Credit-Ratio-AKA-Credit-Ut...
    Reference: http://www.smartmoney.com/ask/index.cfm?story=20040729
Pompeo Lattanzi
Italy
Local time: 03:25
Works in field
Native speaker of: Native in ItalianItalian
PRO pts in category: 91
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14 mins   confidence: Answerer confidence 3/5Answerer confidence 3/5
Credit use


Explanation:
My suggestion.

Gad Kohenov
Israel
Local time: 04:25
Works in field
Native speaker of: Native in FrenchFrench, Native in HebrewHebrew
PRO pts in category: 234
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23 mins   confidence: Answerer confidence 4/5Answerer confidence 4/5
Bank credit


Explanation:
-

--------------------------------------------------
Note added at 30 min (2008-06-05 08:42:22 GMT)
--------------------------------------------------

Impiego: somma dei prestiti e sconti erogati da banche: BANK CREDIT (Dal diz. di L. Codeluppi)
Quindi il termine Creditizio è già inserito nella traduzione.

Olga Buongiorno
Italy
Local time: 03:25
Native speaker of: Native in ItalianItalian, Native in EnglishEnglish
PRO pts in category: 4
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