L'extracte bancari té el saldo disponible.

Because Catalan usually shortens el to l' before a vowel sound.

• el extracte → l'extracte
• This is called apostrophation
• It works much like l' in French

So L'extracte bancari means the bank statement.

Extracte means statement or extract, and bancari means bank-related / banking.

So:

• extracte = statement, extract
• bancari = banking, bank-related

Together, extracte bancari means bank statement.

Because extracte is a masculine singular noun, and the adjective has to agree with it.

Agreement here is:

• extracte = masculine singular
• bancari = masculine singular adjective

If the noun were feminine, the adjective would normally change too.

Té means has.

It is the 3rd person singular present tense of tenir (to have):

• jo tinc = I have
• tu tens = you have
• ell/ella té = he/she/it has

So L'extracte bancari té... literally means The bank statement has...

It is understandable, but in many contexts Catalan speakers might prefer something like:

• L'extracte bancari mostra el saldo disponible. = The bank statement shows the available balance.
• L'extracte bancari indica el saldo disponible. = The bank statement indicates the available balance.

So té is grammatical and easy to understand, but mostra or indica may sound more natural depending on the situation.

Because saldo is a specific countable noun here, and Catalan normally uses the definite article in this kind of sentence.

• el saldo = the balance
• el saldo disponible = the available balance

This is similar to English in this case.

Yes. In banking contexts, saldo is the normal word for balance.

Examples:

• saldo disponible = available balance
• saldo actual = current balance
• saldo negatiu = negative balance

So for money in an account, saldo is the right word.

Because in Catalan, adjectives often come after the noun.

So:

• saldo disponible = available balance
• literally: balance available

This is very common in Catalan and other Romance languages.

Yes, mostly.

The structure is:

• L'extracte bancari = subject
• té = verb
• el saldo disponible = object

So it follows a normal subject + verb + object order, just like English.

Here disponible means available, describing the kind of balance.

So it does not mean just any balance, but specifically the balance that is available to use.

This is a very common banking expression:

• saldo disponible = available balance

A simple approximate pronunciation is:

L'extracte bancari té el saldo disponible
lehks-TRAK-tuh bun-KA-ree tay ul SAL-do dis-po-NEE-bluh

A few notes:

• té has a clear stressed é
• bancari is stressed on -ca-
• disponible is stressed on -ni-

Exact pronunciation varies a bit by dialect, but this will get you close.

A few useful ones:

• l' = article el shortened before a vowel
• extracte bancari = noun + adjective
• té = present tense of tenir
• el saldo disponible = article + noun + adjective
• adjectives like bancari and disponible usually come after the noun

So this sentence is a good example of basic Catalan article use, adjective agreement, and present-tense word order.