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Consulares Nacionales
Lista de Capacidades
Jun 8, 2013 22:19
10 yrs ago
65 viewers *
Spanish term

Disponibilidades

Spanish to English Bus/Financial Finance (general)
Es un cuadro. El titulo es activos y pasivos en moneda extranjera
dice asi:
Activo
Activo corriente

DISPONIBILIDADES
caja en moneda extranjera
Banco HSBC sucursal Brasil
Proposed translations (English)
5 +4 Cash and cash equivalents
4 +1 Liquid Assets
5 resources
4 +1 Cash and due from banks
4 Available Funds

Discussion

Billh Jun 10, 2013:
I think we really need to know which country this comes from. In mexico it seems to mean cash and banks but in argentina, according to one reference it covers more. In the implementation to IFRS in many countries there may be inconsistency. So WHICH COUNTRY IS THIS FROM PLEASE>
Edward Tully Jun 9, 2013:
Agree with Valeria I think the main point here is some kind of "internal consistency". I have no problem with "cash and cash equivalents" or "liquid assets" per se, as long as they are defined correctly and used consistently throughout the text. Only the asker will really know the judgement calls that he/she has made for various terms; each one excludes another option.
Valeria Rivero Jun 9, 2013:
A table can be technical too, and this seems to be an account in some of accounting record or report. I guess that the question is not so much what the term itself is, but what equivalent is used in texts of a similar nature in the target language, such as a balance sheet. I've never seen 'available funds' as an account in financial reporting, even though it may be an acceptable translation in other contexts because it does reflect the meaning. In my experience reading and translating financial reports, this line is usually referred to as 'cash and equivalents', just 'cash', 'cash due from banks' too. They all revolve around the same idea, and I guess that the other lines and the breakdown of this line in particular would influence the choice between these terms, assuming of course this is part of a financial report. If another line is 'caja', 'cash'
would be redundant. If 'disponibilidades' comprises 'caja' y 'bancos', 'cash and equivalents' or 'cash and due from banks' would be appropriate.
María Eugenia Wachtendorff Jun 9, 2013:
This looks more "common sense" than "technical" translation to me, as the asker says the term occurs in a simple table.
Billh Jun 9, 2013:
Confusion 6.1 Disponibilidades o Caja y Bancos
http://www.scribd.com/doc/50621087/6/Disponibilidades-o-Caja...

available funds/liquid assets
My Coopers accounting

Looking around on the Internet it seems that Cash and Equivalents, Liquid Assets, Available Funds are all acceptable terms in one country or another. I discount resources, but Maria's reference does indicate the variety of meanings this can have.

My choice would be Available Funds but I could not disagree with the other two and I don't think anybody else should either......
János Untener Jun 9, 2013:
sorry for the messy reference
János Untener Jun 9, 2013:
hsbc let's suppose that they used the termonilogy of HSBC (see reference of the Asker)
Definiciónde términos
Activos líquidos = Disponibilidades + Títulos para negociar + Títulos disponibles para la venta
<br>
Pasivos líquidos = Depósitos de disponibilidad inmediata + Préstamos bancarios y de otros organismos de exigibilidad inmediata + Préstamos bancarios y de otros
organismos de corto plazo.
<br>
Activos productivos = Disponibilidades + Inversiones en valores + Operaciones con valores y derivados + Cartera de crédito vigente.
<br>
Los datos promedio utilizados corresponden al promedio del saldo del año correspondiente
http://www.hsbc.com.mx/1/PA_esf-ca-app-content/content/inici...

AND HSBC English translation
Liquid Assets = Cash and deposits in banks + Trading securities + Available for sale securities
Liquid Liabilities = Demand deposits + Bank deposits and other on demand + Bank deposits and other short
term liabilities
http://www.hsbc.com.mx/1/PA_esf-ca-app-content/content/home_...

Proposed translations

+4
1 hr
Selected

Cash and cash equivalents

Cash and cash equivalents are the most liquid assets found within the asset portion of a company's balance sheet. Cash equivalents are assets that are readily convertible into cash, such as money market holdings, short-term government bonds or Treasury bills, marketable securities and commercial paper.
Source: http://en.wikipedia.org/wiki/Cash_and_cash_equivalents

See also : http://www.investopedia.com/terms/c/cashequivalents.asp
Peer comment(s):
agree János Untener
10 hrs
Thanks, János!
agree Billh : This term is found for disponibilidades as well.
11 hrs
Thanks, Bill!
agree claudia bagnardi : Yes.
18 hrs
Thanks, Claudia!
agree patinba
23 hrs
Thanks, patinba!
Something went wrong...
4 KudoZ points awarded for this answer. Comment: "Selected automatically based on peer agreement."
39 mins

Available Funds

Liquid assets are any readily available funds, including those of your partner, which you can access within 28 days of the date you last worked.

What types of asset are considered to be liquid assets?

The following are considered to be liquid assets:

Cash,
Shares and debentures,
Term deposits,
Other money available at short notice,
Payments made or due and able to be paid in respect of a claimant’s or spouse’s last paid employment,
10-year insurance bonds, and
Amounts deposited or lent to banks or other financial institutions, whether or not the amount can be withdrawn or repaid immediately.

http://www.continuumfp.com.au/liquid-assets-waiting-period/

--------------------------------------------------
Note added at 1 hr (2013-06-09 00:19:04 GMT)
--------------------------------------------------

“The newly amended IFRS 10 standard removes this stumbling block. As long as the definition of an investment entity is met, the requirement to consolidate financial statements is no longer required. Pension funds which are subject to a number of FSB regulations, and primarily Regulation 28, were also, until recently, entitled to invest a maximum of only 2.5% of their available funds into a hedge fund or private equity fund.”
http://www.deloitte.com/view/en_ZA/za/insights/press-release...

The capital resources to support economic capital are impacted by a number of factors arising from the application of IFRS and are modified in calculating available funds for economic capital. This applies specifically to:
http://www.wikinvest.com/stock/Barclays_(BCS)/Economic_Capit...

The cash flow statement is a summary of your company's available funds and imminent financial obligations during a specific period.
http://yourbusiness.azcentral.com/cash-flow-statement-show-c...
Peer comment(s):
disagree Valeria Rivero : Not in the context of financial statements, as seems to be case given the context provided by the poster.
1 hr
"Cash and cash equivalents" is "Efectivo y equivalentes de efectivo " Thanks for your comment, Valeria :)
agree Billh : The Coopers accounting dictionary, my bible for these things, defines disponibilidades as "available funds, liquid assets" i.e. in the alternative.
12 hrs
Thanks, Bill :)
Something went wrong...
+1
10 hrs

Liquid Assets

Glosario de Terminos Economicos - Página 182 - Resultado de la Búsqueda de libros de Google

books.google.es/books?isbn=9703220096 - Traducir esta página
Jennifer Cooper, Universidad Nacional Autónoma de México Facultad de Economía División de Estudios de Posgrado - 2004
... activo liquido; disponibilidades; fondos disponibles; liquidez de caja; tesoreria; valores disponibles; available funds; cash liquidity; funds in hand; liquid assets ...

Disponibilidad en inglés | Traductor español a inglés | English to ...

www.spanishdict.com/translate/disponibilidad‎
empleado en disponibilidad unposted employee; employee available for posting. 2 disponibilidades (Com) resources; liquid assets. disponibilidades líquidas ...

liquid assets Spanish
dict.invertext.com/es/en-es/term/liquid-assets(1).html
liquid assets. Invertext. ... liquid assets. disponibilidades.

English Translation of disponibilidad - Collins Dictionaries
www.collinsdictionary.com › Spanish-English Dictionary‎
... unposted employee , employee available for posting; disponibilidades (business) resources , liquid assets ⇒ disponibilidades líquidas available liquid assets ...
Peer comment(s):
neutral János Untener : and what if there is another item titled "activos líquidos"
1 hr
why would anyone duplicate a term in a financial statement?
agree Billh : Another valid option as far as I can see.
2 hrs
Something went wrong...
11 hrs

resources

My take for a heading.

--------------------------------------------------
Note added at 12 hrs (2013-06-09 11:12:34 GMT)
--------------------------------------------------

My source is Marina Orellana's Glossary.
Disponibilidades: available stocks; resources, available funds, disposable assets; quick assets, cash assets, liquid assets; holdings (balance of payments); cash position, cash reserves; reserves (grains, water); availabilities (funds).

Something went wrong...
+1
12 hrs

Cash and due from banks

Peer comment(s):
agree Valeria Rivero : Also possible for "disponibilidades".
12 hrs
Something went wrong...
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