Embedded Files
031323
submit climate report 28 feb.
first submission of stress test.
loans collateralized by real estate. immobile property.
Santander.
Unicredit, italty
ING, nietherlands
Nordea, Finland
we knew it in advance that they were going to publish last week.
they speak a lot
they had meetings together
in this exercise there is more a competition.
once the quality assurance phase starts, the ECU communicates each bank the impact that they are going to ask them for.
DO LESSON, )FOR WHICH CONVERT TO AND VICE VERSA) WHICH…. FOR
THEY SPEAK BUT NOT BEING TOTALLY CLEAR
VAGUELY, generally
in vague terms.
theoreoically _ threortectically
until a certain leveil
up to a certain point
blood and guts
i prefer war movies that horror movies.
i prefer war movies to horror movies
i prefer war movies over horror movies
tapandome los ojos
covering my eyes.
it’s more recent the film i am thinking on,
they receive pistas
they receive clues
THEY GIVE YOU CLUES AND YOU HAVE TO SAY
they have to hit the buzzer / dar al … .
i’m not use to see this first part, so i dont know how it’s related to the second part.
one of the man that is
two teams, three people on each team.
[08:20] stephen (Guest)
up to a certain point
[08:20] stephen (Guest)
to a certain extent
[08:32] stephen (Guest)
Wheel of Fortune
[08:34] stephen (Guest)
to hit the buzzer
[08:40] stephen (Guest)
pot of money
[08:40] stephen (Guest)
jackpot
orestes
rafa
the two men
as much near i am to the 28th the more i will be busyt,.
031623
subsidieary of credit swisse
IS CRED SWISS A BANK?
WAHT DOES IT MEAN WHEN A BANK IS A SUBSID OF ANOTHER BANK?
a lot of people has
a lot of people have
switzerland.
SCB.
a lot of people has take out money becauase of the situtiaon
a lot of people have taken out their money because of the situation.
this has provoke that their acciones have down a lot.
this has caused their shares to drop a lot.
banks work because they lend money to peolpl but they also land
if people take out more money that what the bank lend.
if people take out more money than what the bank lends
the thing is be able to control the sitaution.
the trick is being able to control the situation
because it can be like a wheel
a domino effect
they start having fear
they start freaking out
fiscal paradise
tax haven
i’m seeing a new
i’m looking a news article.
50 thousand milliones of swiss franks.
there is another new in El Mundo
[08:20] stephen (Guest)
snowball effect
[08:20] stephen (Guest)
domino effect
[08:22] stephen (Guest)
cutting their losses
[08:24] stephen (Guest)
1.02 swiss francs = 1 euro
[08:26] stephen (Guest)
https://www.nytimes.com/crosswords/game/mini
Play The Mini Crossword
All the fun of the larger New York Times Crossword, but you can solve it in seconds.
www.nytimes.com
[08:37] stephen (Guest)
a beat
[08:39] stephen (Guest)
stab
[08:39] stephen (Guest)
stob
[08:44] stephen (Guest)
disney geek
[08:44] stephen (Guest)
geek out
un freaky
less consuminst
less of a consumer
throw away = discard
fess up = confess
stick up = rob
TOPICS: WARDROBE
un lazo
a ribbon
do you have a favorite garment? a
do you know what are
Mocassin, mocassin FF
loafers.
i’m thinking of buying th sames.
the same ones.
zapatillas, deportivas
trainers
tennis shoes
running shoes
022723
i work on saturday because…
I worked on saturday because….
all banks have to publish the same information.
some things are not obviously.
2050 for mortgages
2030 for the rest of the loans.
santander is the first
it’s not really a work finished
finance emissions = the c0-2 emissions that our clients produce.
phased
faced
WTSA
they are going to cover a bigger part
they ahve decided htat this project is a long time project
what we are doing is a section of a bigger report. that inclucdes info about risk, etc.
two years ago they published for first time, remuneration of gtop managementn in banks.
they day the banks publshed this, it wasn’t in the news.
there some tables that some banks have to publish all the same.
i was looking a new.
phased in.
tapered
synonyms.
aviation p.
steel
power
electrcitiy generation
oil and gas.
what defins polluting? co2 emissions only, or water usage for example.
20 billion euros.
350 billion euyros.
330 billion euros in smaller entities.
not smaller but necessarily in sectors that that are less polluting.
p. equivalent
a regulatory report.
ECB established whawt information has to be published but for all banks.
in this management report, they arlready published finance emissions
in our report, we have to continue increasing the
p. target
because maybe there were less passengers in the plane.
010923
central heating.
teorically
catarro
a cold
WHY are EYE GLASSES SHOPS requiring masks?
it has been a normal year.
no surprises.
i have learned new things
i have started working in new projects.
climate stress test.
have been working in different projects related to climate.
in the one that i’m working now, that is related also to climate, but more related to reporting.
I think that the things that are being done in order to improve the climate change are not enough>
there are a lot of regulations, but things advance very slowly.
and i think it’s not enough for the problem.
it takes ttime to implement these regulations.
bilbao during dec 24, 25.
with my mom’s family.
my grandmother, havent seen her since October.
hadnt seen her
uncle since august.
wreath
corona de navidad
121922
last week we had a committee to present the results., and thge committee was fine.
Operacion
she didn’t won
she didn’t win
they have done.a serie together
they have done a series together
the same day they presented the series.
they same day they premieried the series.
Lara Alvarez has been the presenter of Supervivientes.
Now they are saying that she’s going
Laura EScanes
famous instagrammer.
Juan Jose Ballesta
I dont know what is he doing?
paradero desconocido
unknown location
his whereabouts are unknown
I cant remember in which film he has act.
I read also the title last week.
I also read the headline last week.
it made sense to me
I like also review El Pais.
we have been busy. P.
you try to reserve a room
and they are soom.
121222
Vswitch it on
turn it on
enchufar
plug it in
I cant accede to them
i cant access them
I have an important committee in two days.
for any reason it hasnt charge
for some reason it didnt charge
it puts fully charged 100%
it says fully charged 100%
bought a new TV with sister for parenst for xmas for house in leon
que volorarian
my mom likes watching series.
his life must be easier.
TALKING ABOUT REPORTER
WHO DIED….
TALK MORE NEXT WEEK.
120522
the templates are created
the units have to update the information
we are working with infromation as of january
they have to close their accountability numbers.
giving feedback
asking for changes.
once we close it, units during january they have to update the information with numbers from december
re iew it again
consolidate all the information
publish it to the santander website.
information related to climate risk.
sensitive information.
the banks are going to be compared between them.
the banks are going to be cross referenced.
the banks are going to be compared.
Why Santander is bad in respect (?)
we’re going to amplify the team = ok, or
we going to increase the size of the team
we are going to bring on more people
we are going to bring in more people to the team
EBA
european banking authority
Pronounce: structure
this is one of the difficults of the exercise
this is one of the difficulties of the exercise
A quien le importa Santander Austria?
Who cares about Santander Austria?
the people that takes the decision, they are not doing it.
The people who make the decision are not doing it. / not doing so
Pronounce: preferable
3 new peoplle
2 are new hires - one working in BankInter for the last 8 months.
the other one has been working in the company for 3-4 years.
volcando datos = putting information on an excel
downloading
format
imputting.
migrate
extract
extract and imput
download and imput
verter = accidental
spill
desparramar
spill all over
volcar
pour
filial
subsidiary
110622
you cant live there or you cant be sleeping there, it is only to pass the day.
you cant live there or stay there overnight, it's only to spend the day.
this weekend i have been in salamanca for wedding.
this weekend I was in salamanca for a wedding.
i didnt wear coat for the wedding
I didnt wear a coat for the wedding.
ensayo
rehearsal
it’s simliar like a crab
it’s similar to a crab
Pronounce: I opened a new acct.
i wasnt able to access to it.
I wasn't able to access it.
i’m not going to lose nothing important.
I'm not going to lose anything important.
102722
NOTES PREVIOUS TO CLASS TO ADDRESS NEXT TIME
https://flickr.com/search/?text=isla%20de%20arousa
beautiful pictures of arousa
and also saw pictures of CIIES. have you been there? not far from arousa
a committee
hav ea meeting at 9 oclock
review the status
they must be working and they do nothing
they’re supposed to be involved in the project
they supposed to be involved in the project
they make us lose time.
they waste our time.
the true is
the truth is
we have to the different units for information.
mining, gas, power
ms has to report how much risk is in these sectors.
you have to report how much risk you have in geographical areas
there is also a regulation that establish what operation scan be consider as green.
we have also to report how much exposure santander has with operation that are sustainable.
WHAT ARE THE RISKIIEST PROVINCES
hipuzquoa and melilla
gota fria = occurs usually in mediterranean, in valencia, alicante,
part of the rainy season
high
medium high
medium
low
it affects a bit to the houses that were in front of the river only
solo con pensarlo
only thinking about it
i am reading the new about thge fanmily taht died in barcelona.
they worked for an oil company in russia
one of him
how he’s able to do this?
que pueden ganar
what they police gain investigating this?
supera la ficcion
it goes beyond fiction
amenazadas
threatened
novatech
one of the years with the more numbers of strange dies related to kremline
one of the years with the highest number of strange deaths related to the kremlin
le dieron una paliza
he received a beating
he was beat up
102422
2019 - also to galicia
2020-16 people in galicia, we were
when i had to arrange a booking for lunch or for dinner, i had to ask for two different tables.
in 2020 and 2019 we have gone to this village.
it hasn’t a lot of tourists
it doent have a lot of tourists
2021 to Santander
2022 to galicia
last year and this year we have gone with several children.
ISLA DE AROUSA
has a lot of beaches
there are nice restaurants
you can eat very good
becuse the village was so small it was easy to stay a lot of people
the vllage is very famous for the fishing
for the seafood
almejas clams
mellijones
octopus = pulpo
necoras = velvet crab, little hairs
maybe i am not true
maybe i’m not right
segovia = 50,000
toledo = 84,000
leon 124,000
you have more things that in segovia or toledo.
it hasn’t sabor
it has no flavor
un pueblo de pescadores
a fishing village
estaba con dolor de espalda
she was having back pain
70 percent of tiem we have to be in teh office.
1 week 4 days, 1 week 3 days.
you can do the reservation and then not coming
you can make the reservation and then not come.
i dont know what are people doing
i dont know what peole are doing.
find.a house near the beach in galicia in august it’s complicated
101722
i have to take the computer of my company and also the computer of the bank.
armario
closet
i havent switched it on in years. = OK, or
i havent turned it on in years.
if you are with the backpack put.
if you have your backpack on
during august i was able to be all the month on holidays.
during august I was able to take the whole month off
I didnt do anything special . I was in leon for 2 weeks, 2 and a haalf
went to galicia one week with friends.
TELL ME ABOUT GALICIA. WAS THIS THE PLAN YOU HAD MADE YEARS AGO BUT NEVER DID BECAUSE OF COVID, OR WAS THIS JUST ANOTHER ONE. DID YOU GO TO THE SAME HOUSE / PLACE YOU ALWAYS GO, OR A NEW PLACE?
going to the beach, eating seafood.
WHAT IS THE BEST SEAFOOD TO EAT IN GALICIA?
and then some days again in leon and then madrid.
two days in madrid without working
going to the swiming pool, shopping.
the return to work has been progressive
the return to work has been gradual
llevadero
Manageable
in april when the stress test started to be more calm.
i started to work in another project related to climate.
banks have to publish in february a new report regarding climate risk.
and then they will have to publish it every 6 months.
Pillar 3
a reporting that banks have to do every year rlated to risks.
for the next year for the first time banks have to include new tables.
with information regarding climate.
stress test
also have to report this information
but then have to evaluate what will be the evolution.
in pillar 3, not evaluating evoultion, only anazlyzing the distribution.
CAN YOU TALK MORE ABOUT THE DISTRIBUTION OF RISK RELATING TO CLIMATE IN PILLAR 3?
we are working in santander defining how to complete these tables.
we have defined the internal templates that the units have to complete.
you’re doing a pilot excercise.
10 templates.
every unit has to complete 10 templates.
there are a lot of variables that the units dont have.
they have to work on develop them
they have to work on developing them.
it is impmortant this pilot because now we have more or less time to review it.
this pilot is important because now we have a bit of time to review it. ?
pillar most basically si
risk exposure in activity sectors that they consider relevant for the climate.
exposure = risk
exposure that the bank has with mortguage
you ahve to publsih the distribution of your mortgage by energy label.
I also think it is something cyclical
every 7 or 8 years that the weather is worst.
i dont want to go out from my living room.
I don’t want to leave my living room
los detienen
they detain them
they arrest them
i dont know how he has finished
i dont know what happened to him in the end
i couldnt continue eating.
I lost my appetite.
Pronounce:
sunbathing
nobody were in the street
nobody was in the street.
the terraces were empty in august in madrid
if it keeps happening like this year, it will affect the economy.
DO YOU KNOW IN NUMBERS HOW SPAIN’S ECONOMY HAS BEEN AFFECTED by climate this year? in relation to other years?
Virginia.
Best friend from the village in Leon.
Have lived together
sptnt eh whole christmas in leon.
we have had a lot of care
we have been very careful.
since tomorrow
starting tomorrow
i dont know how i have catch it.
I dont know how i have caught it.
mascarila quirujica
surgical mask
I´m looking them very close in the time. (deadlines)
they seem very soon.
The deadlines are right around the corner.
The deadlines are within eyesight.
it wasn´t so contagious as this year
It wasn´t as contagious as this year.
por sorpresa,
surprisingly,
Reledo de Valderaduey = parents home town.
father when he was 10 years old went to a school outside the village.
and my mom was born in this village but her parents went to bilbao
they know them since hty were children.
they´ve known each other since they were children.
he was bronzed = he was tanned.
they didn´t fine them = no les multaron
restaurar muebles = restore furniture.
if the covid didnt exist, didnt occur
hadn´t occured.
everyone´s in the same situation than me.
born in bilboa, lived in bilbao till 11.
then to Leon.
grandparents are from reledo.
al aire libre = outside.
i prefer spend the days in the capital.
there are only living 60 or 70 people.
climate change stress test
7th of march first sumission
me deje llevar
I got carried away
it´s going to be worst from now until the 7th of march.
It´s going to be worse from now until the 7th of march.
Pronounce: calendar
the ECB sent us an email telling we had to submit everything the 7th of march.
the ECB sent us an email saying we had to submit everything the 7th of March.
the ECB sent us an email telling us we had to submit everything the 7th of March.
submission
submit the figures as of dec 2021
second submission
the results of the stress test scenarios
did they provide a reason?
to work 30 hours continued
to work 30 hours continuously
what happens if you don´t meet the deadline?
supervisory review and evaluation process
they do this process to evaluate the banks.
they take not only the quantitative part, but also the qualitative part.
in the qual part what they take into account is that if you have complied with teh deadelines and with high qauality of the figures.
tortura
torture
the ecb sends issues
we have losen one month with the scenarios
we have lost one month with the scenarios
something to make it worthwhile.
as soon
at the earliest
i dont know at what hour is going to be the match.
is Djokovich going to come or not? = from spanish
como mucho
at the most
Eurosport to watch
if you dont respond with a high quality of figures.
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