When you report in more than one language, our financial translation services cover annual reports, fund prospectuses, and SEC exhibits. A finance linguist translates each file, and a second linguist revises it under ISO 17100.
Finance, legal, and investor relations teams use Day Translations when a document has a filing date, an auditor, or a regulator waiting on it. Bank of America is one of the companies on our client list.
A financial document carries legal weight in any language it appears in. An investor, auditor, or regulator reads the translated version as the company’s own statement, so a wrong number or a loose term becomes the company’s error. The five risks below cause most of the rework finance teams send back to a translation vendor.
In German, 8.000,95 means eight thousand euros and ninety-five cents. In US English, the same amount reads 8,000.95. A translator who copies the digits without converting the separators misstates the figure by a factor of one thousand, and spreadsheets pasted into a report carry the error into every total that depends on it. Dates cause a similar problem: 03/04/2026 is March 4 in New York and April 3 in London.
International Financial Reporting Standards (IFRS) and US Generally Accepted Accounting Principles (US GAAP) use different words for related ideas, and some terms shift meaning between English variants. A UK annual report uses “stock” for inventory and “turnover” for revenue; a US reader sees “stock” and thinks of equity. Terms like “provision,” “impairment,” and “fair value” need the wording the reader’s reporting framework uses, or the auditor flags the gap and the filing waits.
Filing calendars set the schedule, not the translation vendor. A foreign private issuer, for example, must file its annual report on Form 20-F “within the four months after the end of the fiscal year covered by the report,” according to General Instruction A(b) of the SEC’s Form 20-F. Every translated exhibit, board resolution, and auditor letter has to fit inside that window, along with internal review and sign-off.
Draft earnings, deal terms, and audit findings are confidential until the company releases them. A vendor that emails files to freelancers or stores them on personal drives turns a translation job into a disclosure risk. Finance teams need to know who opens each file, where it sits, and when it is deleted.
A fund sold in five countries or a bank with branches in three countries answers to more than one supervisor. The same disclosure has to read correctly for each of them, in each language, and match what was filed last quarter. When translations come from different vendors in each country, the wording drifts, and a regulator who compares versions finds the gaps before the compliance team does.
Send one document and a deadline, and a finance project manager will scope the languages, reviewers, and file format with you.
Our financial translation services are built for the corporate teams that own a document from draft to filing. Each team brings a different deadline and reviewer, and the project setup changes with it.
translating annual reports, consolidation packs, and audit files for subsidiaries and parent companies in other countries.
preparing earnings releases, investor presentations, and shareholder letters for markets where investors read in another language.
at banks and insurers rolling out policies, AML procedures, and training material across branches.
working on cross-border loans, acquisitions, and disputes that turn on financial evidence.
issuing prospectuses, factsheets, and investor reports for the markets where a fund is sold.
launching an app, a card, or a payment service in a new country.
For these teams, financial translation services cover more than the words on the page. The setup includes who approves terminology, which reporting framework applies, which file formats come back, and who on your side signs off before release.
Each sector below has its own document set, reviewers, and terminology. Your project manager assigns linguists by sector and document type, so a fund prospectus does not land with the same translator who handles retail banking letters.
Loan and credit agreements, facility letters, security documents, know your customer (KYC) and AML files, account terms, compliance manuals, and internal audit reports. Correspondent banking and trade finance documents, such as letters of credit and guarantees, keep the exact wording of the source terms so the bank’s legal team matches clause to clause.
Fund prospectuses, offering memoranda, key information documents, factsheets, subscription agreements, investor letters, and quarterly performance reports. Fund documents repeat the same disclosures across share classes and countries, so translation memory keeps the approved wording identical from one update to the next.
Annual and interim reports, earnings releases, investor presentations, analyst Q&A scripts, proxy materials, and environmental, social, and governance (ESG) reports. Investor relations teams get one glossary per issuer, so the CFO’s quote reads the same in the press release, the slide deck, and the filing.
Policy wordings, claims files, actuarial reports, reinsurance treaties, broker agreements, and policyholder notices. Insurance terms such as “deductible,” “excess,” and “retention” differ by country, and the glossary records which one each country uses.
Terms of service, product disclosures, sign-up flows, payment notices, and app interfaces for digital banks, payment processors, and crypto and blockchain companies. Linguists with fintech and crypto experience handle the regulatory text, and our app localization services and website localization services handle the product strings and pages that go with it.
Due diligence files, share purchase agreements, board minutes, tax filings, transfer pricing documentation, and financial statements for audits. Documents that also need a sworn or official statement go through our certified translation services, and contracts that need legal review go to the team behind our legal translation services.
Foreign companies listed in the United States file with the SEC in English, and the rules name which documents need a full translation. Two provisions set the requirement, and both apply to the exhibits finance teams send for translation.
Under 17 CFR 240.12b-12(d)(2), a filer must submit a fair and accurate English translation of foreign language exhibits such as articles of incorporation, voting agreements, contracts the business substantially depends on, and audited annual and interim consolidated financial information.
Paragraph (d)(3) allows an English summary for other documents, as long as it fairly and accurately summarizes the terms of each material provision.
Paragraph (d)(4) requires every file to be identified as either an English summary or an English translation, and a party must provide a copy of any foreign language document upon the request of Commission staff.
17 CFR 232.306(a) applies the same English language rule to all electronic filings.
The group these rules cover is large. In its 2025 concept release, Release No. 33-11376, the SEC reported that 967 foreign private issuers filed annual reports on Form 20-F in fiscal year 2023, with a combined market capitalization of about $9 trillion.
Every SEC project with us includes:
A full English translation or an English summary for each exhibit, matched to Rule 12b-12(d)(2) and (d)(3)
Translation or summary labels on all files, as (d)(4) requires
A glossary tied to your prior filings, so this year’s Form 20-F matches last year’s wording
The foreign language source kept on record, ready if Commission staff ask for a copy
Terminology for a finance project starts from the framework and regulator of the target market. The table shows the starting point for the markets finance clients ask about most; other markets follow the same method.
| Target market | Reporting framework | Regulator wording referenced |
|---|---|---|
| United States | US GAAP | SEC, FINRA |
| European Union | IFRS as adopted in the EU | ESMA and national authorities |
| United Kingdom | UK-adopted IFRS | FCA, PRA |
| Switzerland | Swiss GAAP FER or IFRS | FINMA |
| Japan | J-GAAP or IFRS | Financial Services Agency |
| United Arab Emirates | IFRS | Securities and Commodities Authority |
| Mainland China | China Accounting Standards | CSRC |
Numbers get their own check, separate from language review. After the second linguist revises the text, a numeric quality assurance (QA) pass compares every figure, date, currency code, and percentage in the translation against the source file. The pass flags separator changes, transposed digits, missing negative signs, and dates converted to the wrong order, and the linguist fixes each flag before the file moves on.
Tables and charts get the same check after formatting, because a figure shifts when text expands in another language and a column wraps. Your reviewers receive the final file in the source layout, with a short QA note listing any source inconsistencies the team found, such as a subtotal that does not match its rows.
Two engagements from our finance industry case study cover certified translation, live interpretation, and policy translation for two finance clients. More examples sit in our client case studies library.
The bank first used Day Translations in September 2015 for a certified Chinese to English translation. In September 2016, our interpreters provided simultaneous interpretation between Dutch and French for more than 115 guests at the bank’s annual business convention, covering business forecasting and the Finance Department’s balance sheet.
A nonprofit health care system needed its patient financial documents in the languages its communities speak. Between December 2015 and March 2016, we translated its Financial Assistance Policy from Creole to English, its Policy Statement on Discount and Financial Assistance from English to Spanish, and its Finance Sheet from English to Creole. Read the finance case study.
Tell us the document type, language pairs, and filing date, and the quote will list the reviewer setup and numeric QA for your project.
Every finance project follows the same six steps, whether it is a single audit letter or a full annual report in twelve languages. The steps map to the translation and revision workflow in ISO 17100:2015.
Your project manager reviews the files, target markets, reporting framework, and filing date, then sends a quote that lists the language pairs, word counts, reviewer setup, and file formats. Repeated text from earlier reports is counted separately, so you pay less for wording already approved.
The team builds or updates a glossary from your past filings, style guide, and the reporting framework your readers use. Your reviewers approve key terms before translation starts, and the glossary is locked in the translation management system so all linguists use one approved wording.
A native-speaking linguist with experience in your sector translates the text inside the secure platform. Banking, insurance, fund, and fintech files go to linguists who work on those document types, including specialists in investment banking, crypto, and blockchain.
A second qualified linguist compares the translation against the source, sentence by sentence, as ISO 17100:2015 requires. The reviser checks meaning, terminology, and register, and sends questions about unclear source text to your team through the project manager.
The numeric QA pass checks every figure, date, and currency code, and the file is rebuilt in its original layout: Word, Excel, InDesign, PowerPoint, or PDF. Tables, footnotes, and cross-references are checked again after layout.
You receive the final files and the QA note. Changes from your reviewers go back into the glossary and translation memory, so the next quarterly report starts from your approved wording instead of a blank page.
Planning a report cycle or a listing? Walk through the six steps with a finance project manager before your files are final.
Our team uses AI to support linguists, not to replace them. AI-assisted tools handle file tagging, terminology checks, and quality checks, and a professional linguist reviews every word that goes to a client.
We don’t run autonomous machine translation on financial documents.
For high-volume internal content, such as research notes or employee communications, clients opt in to AI post-editing, where a linguist edits machine output to an agreed quality level.
Filings, investor documents, and contracts stay on the full human translation and revision workflow.
Financial files move through a controlled system from upload to deletion. Our Trust Center lists the full set of controls.
256-bit Advanced Encryption Standard (AES-256) for files at rest and Transport Layer Security (TLS) 1.3 for data in transit.
Zero-trust access with multi-factor authentication and role-based permissions, so only the linguists and project manager assigned to your project open your files.
Staff and linguists work under non-disclosure agreements (NDAs) and complete quarterly security training.
Systems are monitored 24/7.
Region-specific data storage, with retention and disposal rules set per project.
The team works inside your virtual private network (VPN) or content management system when files must stay on your network.
A data processing agreement (DPA) is available on request, and EU data-protection rules apply to EU personal data.
Some finance work happens live. Our interpreting services cover earnings calls, investor meetings, regulatory interviews, audits, and board meetings, with interpreters who prepare from your glossary and briefing pack.
Sessions run on site, by video, or by phone, and the Day Interpreting app connects teams with an interpreter.
Finance documents arrive in the formats your reporting and legal teams already use, and they go back in the same formats. Our financial translation services handle Word, Excel, PowerPoint, InDesign, and PDF files, plus web and app content through the localization team.
Excel models and tables keep their formulas, cell references, and number formats, so your team does not rebuild a workbook after translation.
Designed annual reports come back as layout files ready for print or PDF, with charts and footnotes in the target language.
For recurring work, such as monthly factsheets or quarterly reports, your account keeps one glossary and one translation memory, and volume pricing applies as the word count grows.
Accounts range from 10,000 words a month to more than 10 million, on one platform with one set of review steps.
Finance clients pick Day Translations for the controls behind the translation as much as the translation itself.
One named project manager who knows your reporting calendar, reviewers, and glossary.
Locked terminology in the Smartcat translation management system, shared by all linguists on your account.
Volume from 10,000 to more than 10 million words a month on one account, with consistent reviewers and one glossary.
Enterprise terms, including volume pricing and NET30 billing on enterprise contracts, arranged through our enterprise solutions.
Public sector access as a General Services Administration (GSA) Schedule contract holder.
Industry memberships in the American Translators Association (ATA), the Association of Translation Companies (ATC), and the Globalization and Localization Association (GALA), plus an A+ rating from the Better Business Bureau.
Compliance, credentials, turnaround, and cost — answered before you ask.
Still unsure? An expert answers 24/7/365.
Call an expertFinancial translation services convert financial, banking, insurance, and investment documents into another language while keeping figures, terminology, and legal meaning intact. At Day Translations, that means a sector specialist translates, a second linguist revises, and a numeric QA pass checks the figures.
Investors, auditors, and regulators read a translated filing as the company’s own statement. A wrong figure or a loose accounting term in the translation becomes the company’s error. That’s why financial translation needs a sector specialist, an independent second linguist, and a separate check of every number.
Financial translation carries numbers, accounting terms, and regulatory wording that must match the source exactly. Number separators and date formats change by locale, and IFRS and US GAAP use different words for related ideas. The translator needs accounting knowledge as well as language skill.
Banks, asset managers, insurers, fintech companies, and listed issuers that report in more than one language. Inside those companies, finance, legal, investor relations, and compliance teams use them for reports, filings, deals, and policies.
Annual and interim reports, financial statements, audit reports, fund prospectuses, key information documents, loan agreements, insurance policies, KYC files, tax filings, merger and acquisition documents, and investor presentations. The sector list above shows the full range.
Yes. Financial statements, bank statements, and tax documents come with a signed certificate of accuracy for courts, immigration offices, banks, and auditors through our certified translation team.
A separate numeric QA pass compares every number, date, currency code, and percentage against the source after revision, and again after layout. Separators and date formats are converted to the target market’s convention unless your style guide says otherwise.
Files stay in an encrypted platform with AES-256 at rest and TLS 1.3 in transit, behind multi-factor, role-based access. Only the assigned team opens your files, everyone works under an NDA, and files follow the retention and disposal rules agreed for your project.
Yes. Exhibits are translated in full or summarized to match 17 CFR 240.12b-12(d)(2) and (d)(3), labeled as a translation or a summary, and the source files are kept ready for you to provide if Commission staff request a copy under Rule 12b-12(d)(4).
Price depends on word count, subject complexity, language pair, file format, and deadline. Repeated text from earlier reports costs less, and enterprise contracts add volume pricing and NET30 billing.
Not for filings, investor documents, or contracts. Those go through human translation and independent revision; AI post-editing is an opt-in option for internal, high-volume content only.
Day Translations works in 500+ languages, including the major reporting languages for capital markets in Europe, Asia, the Middle East, and Latin America. Linguists are matched by language pair and by sector, so a Japanese insurance file and a Japanese fund report go to different specialists.
Yes. Glossaries, style guides, and translation memory files from earlier projects or vendors are loaded during reference setup. Your approved terms are locked before translation starts, and the memory grows as your account adds projects.
Yes. Day Translations signs your NDA or provides its own before any files change hands, and all linguists and project managers on your account already work under a confidentiality agreement.
Banks, asset managers, and insurers: send the documents, languages, and filing date for your next report, deal, or audit. A finance project manager will set up the glossary, reviewers, and numeric QA before the first file is translated.
