Learning the financial and banking terms in a new language can be as crucial as everyday vocabulary, especially if you’re planning to live, work, or do business in a Latvian-speaking country. Grasping these terms will help you understand key financial documents, engage in banking activities, and follow economic news. Below are some essential financial and banking terms in Latvian, along with their definitions and examples to help you get started.

Banka
Definition: A financial institution licensed to receive deposits and provide loans.
Es atklāju kontu vietējā bankā.

Nauda
Definition: A medium of exchange in the form of coins and banknotes; cash.
Man nav pietiekami daudz naudas, lai to nopirktu.

Konts
Definition: An arrangement with a bank to keep your money there and to allow you to take it out when you need to.
Vai varat pārskaitīt naudu manā kontā?

Kredīts
Definition: An amount of money that is borrowed, often from a bank, and has to be paid back, usually together with an additional amount of money that you have to pay as a charge for borrowing.
Es vēlos saņemt kredītu jauna auto iegādei.

Procentu likme
Definition: The percentage of an amount of money which is paid for its use for a specified time; often annual rate.
Kāda ir pašreizējā procentu likme šim noguldījumam?

Akcija
Definition: A unit of ownership interest in a corporation or financial asset that typically offers voting rights and potential dividends.
Es nopirku akcijas uzņēmumā, kurš drīz sāks kotēties biržā.

Obligācija
Definition: A debt security, similar to an IOU, issued by a government or corporation and sold to investors.
Investēšana obligācijās ir parasti drošāka nekā akcijās.

Iemaksa
Definition: A sum of money placed or kept in a bank account, usually to gain interest.
Man jāveic iemaksa mans taupīšanas konts.

Izņemšana
Definition: The act of taking money out of an account.
Cik lielu summu es varu veikt izņemšanu bez komisijas maksas?

Pārskaitījums
Definition: A transfer of funds from one account or individual to another through a bank’s electronic systems.
Vai esat saņēmis manu pārskaitījumu?

Valūta
Definition: The money that a country uses; a system of money in general use in a particular country.
Kāda ir pašreizējā valūtas maiņas kurss pret eiro?

Atlikums
Definition: The amount of money remaining in an account.
Lūdzu, pārbaudiet manu konta atlikumu.

Bilance
Definition: The amount of money you have in your bank account.
Mana bankas bilance ir zemāka nekā es gaidīju.

Maksājums
Definition: The act of paying or the amount of money that is paid.
Mēneša maksājums par kredītu tiks veikts automātiski.

Investīcija
Definition: The act of putting money, effort, time, etc. into something to make a profit or get an advantage.
Esmu izlēmis veikt investīciju nekustamajā īpašumā.

Finanses
Definition: The management of large amounts of money, especially by governments or large companies.
Pēc maģistra grāda iegūšanas finansēs, plānoju kļūt par sertificētu grāmatvedi.

Understanding and using these terms accurately can make a significant difference in your daily interactions within a Latvian context. Whether you’re discussing an account balance or considering an investment, knowing these financial and banking phrases will undoubtedly enhance your language skills and confidence in the financial world.