Name: 銀行の損益計算書2：銀行の損益計算書 (Banking 2: A bank's income statement)
Uploaded: 2021-01-14T04:45:06.000Z
Duration: 11 min 59 s
Description: VoiceTubeの動画で発音を聞きながら英語表現を覚えよう！学べる英語：

命令形

Let's go over that example, that I gave in the last video,

to 不定詞

where I'm in this village and I start a bank to match up

And I actually want to do it, one, to hit the point home a

little bit more about how a bank makes money.

And I actually think this example is a very good

instrument to teach you about a new financial statement that

So far, you're familiar with the balance sheets, hopefully.

And now, we'll learn what an income statement is.

So let's say that this is my balance sheet at the beginning

of my first year of operation, the beginning of year one.

I think I had said that I had originally capitalized this

Or maybe I went to 10 of my friends and they gave me

But we don't care about how that equity was raised.

And then, I had bought a building that I could put

And people would feel secure giving that money, putting

So let's say I had $1 million of real estate.

And then, the rest of the village saw this nice big

Saying that, wow, that's a safer place to put my money

than in my mattress or buried in my backyard.

And, this bank of Sal says that he's going to give me

some interest. And he seems to be a fairly reputable fellow

So let's deposit some of our savings with him.

And, of course, I told them, look, this isn't a loan.

You guys can use this money whenever you need it.

And because of that, I need to set some of these deposits

aside, in case someone comes the next day and says, I gave

I actually need that dollar now to pay for my teeth

And I figure, well, if I set aside 10% of it, that's the

most that anyone would ever come in one day, unless

there's some type of strange run on the bank.

So I'm going to set aside 10% of it as reserves.

If I thought, for some reason, that there's a higher

likelihood of everyone coming at once for their money, or a

large percentage of the people coming at once, I'd want

And then, finally, I'm left with $9 million.

And when I say, capital, that's just a claim on

someone's goods and services that can be used to construct

or perform something that adds value, that creates more value

And I know I always keep talking in those terms. And I

do that because I think, in our society today, we get so

fixated with the points, and that's money, or the dollar

bills, that we often forget what the points represent.

The points, or the money, represents claims

I've actually met people who become obsessed with-- Well

I get emails from people who want to get extra points on

But what's important is, what does a point system

And in money, those points represent future claims on

So this is how my balance sheet looked at the beginning

And I said, well, I'm going to be getting in

And let's say that I'm very good and none of them default.

And I said that I'm going to pay these people out 5%.

So what happens over the course of that year?

So how much interest income am I going to get?

I'll call that interest, Int Inc. So 9 million times 10%.

I probably should have done this in green.

Well, I have to pay out 5% on the $10 million.

I'll put it as a negative number, just so you know it's

Although, since I said it's an expense, you might want to put