Study on the remuneration provisions applicable to credit institutions
... staff from unregulated sectors could not be verified. Problems have been found with
regard to clawback clauses in the context of national employment law. Other problems
concern the need for rules that are better adapted to the business scale. The rules
work well in the case of big and significant in ...
2012 Form 20-F ING Groep N.V.
... * Listed, not for trading or quotation purposes, but only in connection with the registration of American Depositary Shares pursuant to the
requirements of the Securities and Exchange Commission
THU VI?N PHÁP LU?T
... 1. Forms of public offering of securities include the first-time public offering of securities,
additional offering of shares or rights to buy shares to the public, and other forms.
2. The Government shall specify the forms of public offering of securities.
Article 12.- Conditions for public offeri ...
... This is the Annual Report for 2016 of ABN AMRO, which consists of ABN AMRO Group N.V. and its consolidated
Financial Statements. The financial information contained in this Annual Report has been prepared in accordance with
International Financial Reporting Standards (IFRS) as adopted by the Europe ...
... December 31, 2003, our software was used to service $46 billion in student loans, which included $27 billion serviced by third parties using
our software. We earn software license and maintenance fees annually from third-party clients for use of this software. We also provide
computer consulting, cu ...
Joint Report to Congress: Economic Growth and Regulatory
... unnecessary regulatory requirements imposed on insured depository institutions (IDIs). In
conducting this review, the statute requires the FFIEC or the agencies to categorize their
regulations by type and, at regular intervals, provide notice and solicit public comment on
categories of regulations, ...
Pillar 3 Risk and Capital Management Report 2016
... calculation of the groups capital adequacy ratio (CAR) through the application of the threshold deduction method, detail of which can be found
on the next page. Implementation of the SAM regime is only expected during the second half of 2017. The insurance businesses are on track with
their SAM impl ...
Alterna Savings and Credit Union Limited
... conducting its affairs in a way that might be expected to harm the interests of members, depositors or
shareholders or that tends to increase the risk of claims against the deposit insurer, but that Supervision
by DICO as stabilization authority would, in this case, not be appropriate; (2) A credit ...
Merrill Lynch Mortgage Investors, Inc.
... If the 10% optional termination does not occur by the first distribution date on which it may occur, the margin on each of the class A-1A, class A-1B, class A-2A, class A-2B, class A-2C, class A-2D and class R
certificates will increase to 2 times its respective margin shown above.
If the 10% option ...
Preferred Shares - Investing For Me
... for 7.25% of the market, up from 6% the previous year.
Rate reset preferred shares make up the majority (60%) of the preferred share market and the negative
performance experienced during 2015 helped drag the Index lower. The price moves seen in this sector can be
described as volatile with signific ...
99 COMPANY XYZ LIMITED
... The convening and conduct of shareholders meetings are governed by the Articles of Association of the
Company and the Companies Acts. Although the Directors may convene an extraordinary general
meeting of the Company at any time, the Directors of the Company are required to convene a general
LOOMIS SAYLES VALUE FUND Supplement dated April 19, 2017 to
... This Statement of Additional Information (“Statement”) contains specific information that may be useful to
investors but that is not included in the Statutory Prospectus of the series of Natixis Funds Trust I, Loomis Sayles
Funds I or Loomis Sayles Funds II listed above (each, a “Trust” and together ...
Retirement Date Fund
... money is an important factor to consider. Typically, younger workers can handle a more aggressive
investment strategy. Since they have time before they’ll need their money, they can often ride out
the market’s ups and downs. Older workers, however, are closer to retirement and often need a more
Cash management behavior of firms and its structural
... Table 7. Priority order (po) of the conflicts between cash management
and other departments of a firm and Gini coefficient......................................... 73
Table 8. Centralization of cash management. ................................................................... 74
Table 9. Centraliz ...
The Development of Microfinance Institutions in a Multi
... with experimental initiatives to lend to the rural poor of Bangladesh and Brazil, microfinance turned out to be one of the most successful development efforts of the last decades
Main funding sources of early MFIs were grants and subsidies provided by donors and
development insti ...
Nordea Annual Report 2016
... we operate today. At the same time we
remain fully committed to operating in
each country, and decisions will still be
made close to the customer, as they
have always been. A simpler structure
reduces complexity and enables us to
focus on delivering the best possible
experience to customers.
Proposed Rule: Money Market Fund Reform
... per share (“NAV”). The second alternative proposal would require money market funds to
impose a liquidity fee (unless the fund’s board determines that it is not in the best interest of the
fund) if a fund’s liquidity levels fell below a specified threshold and would permit the funds to
suspend redem ...
(PDF 4.7 MB)
... third of the seats on the Supervisory Board elected by the Shareholders’ Meeting.
The lists must be accompanied by the following:
1) a list of the persons submitting the voting lists, duly signed and containing
information as to their identity, with a statement of the total number of the
Bank’s sha ...
date - Rabobank
... Terms used herein shall be deemed to be defined as such for the purposes of the Conditions set
forth in the Offering Circular (the ‘Offering Circular’) dated May 8, 2009 which constitutes a base
prospectus for the purposes of the Prospectus Directive (Directive 2003/71/EC) (the ‘Prospectus
SLC STUDENT LOAN RECEIVABLES I INC
... comparable words. Forward-looking statements are subject to a variety of risks and uncertainties that could cause actual results to differ from
the projected results. Those risks and uncertainties include, among others, general economic and business conditions, regulatory initiatives and
Investment and Investment Finance in Europe
... The importance of investment for economic growth has long been recognised. On the one hand,
investment in a nation’s capital stock may contribute to increased productivity and hence stronger
economic growth in the medium term. This holds true for both the formation of tangible fixed assets
such as m ...
Stock and Bond Market Liquidity: A Long-Run
... therefore adopt a flexible approach and study three maturity classes separately. We
find that cross-market illiquidity spillover occurs along the whole yield curve (i.e.,
across maturities of all ranges). The effect is especially pronounced for illiquidity
of short-term maturities, the most liquid a ...
Studies on the Validation of Internal Rating Systems
... “Basel II” or the “revised Framework”). When following the “internal ratings-based” (IRB)
approach to Basel II, banking institutions will be allowed to use their own internal measures
for key drivers of credit risk as primary inputs to their minimum regulatory capital calculation,
subject to meeting ...
Interbank lending market
The interbank lending market is a market in which banks extend loans to one another for a specified term. Most interbank loans are for maturities of one week or less, the majority being overnight. Such loans are made at the interbank rate (also called the overnight rate if the term of the loan is overnight). Low transaction volume in this market was a major contributing factor to the financial crisis of 2007.Banks are required to hold an adequate amount of liquid assets, such as cash, to manage any potential bank runs by clients. If a bank cannot meet these liquidity requirements, it will need to borrow money in the interbank market to cover the shortfall. Some banks, on the other hand, have excess liquid assets above and beyond the liquidity requirements. These banks will lend money in the interbank market, receiving interest on the assets.The interbank rate is the rate of interest charged on short-term loans between banks. Banks borrow and lend money in the interbank lending market in order to manage liquidity and satisfy regulations such as reserve requirements. The interest rate charged depends on the availability of money in the market, on prevailing rates and on the specific terms of the contract, such as term length. There is a wide range of published interbank rates, including the federal funds rate (USA), the LIBOR (UK) and the Euribor (Eurozone).