When are consumer loans collateralized in emerging markets
... an increasing demand of loans from the retail sector. Lending volumes have grown substantially since 1990 and although state owned enterprises are still the dominant users of credit, their share in bank credit fell from 86% in 1991-1992 to 58% in December 2005 due to growing loan demand from retail ...
... an increasing demand of loans from the retail sector. Lending volumes have grown substantially since 1990 and although state owned enterprises are still the dominant users of credit, their share in bank credit fell from 86% in 1991-1992 to 58% in December 2005 due to growing loan demand from retail ...
Banco de Chile: Comments on the First Quarter 2016 Financial
... Total consumer loans also presented a solid increase with an annual growth of 12%, ending the quarter with a stock of $3.8 trillion pesos. The middle and upper income segment drove this growth with a 14.7% YoY increase, while the lower income segment basically maintained loan volumes stable, growin ...
... Total consumer loans also presented a solid increase with an annual growth of 12%, ending the quarter with a stock of $3.8 trillion pesos. The middle and upper income segment drove this growth with a 14.7% YoY increase, while the lower income segment basically maintained loan volumes stable, growin ...
2) Interest Rate Policy and Loan Pricing
... China has taken a cautious approach to financial market liberalisation, adopting to delay major reforms until after the liberalisation of goods and other factor markets was complete. While the reform program may be following the generally preferred sequence, evidence suggests that the financial sect ...
... China has taken a cautious approach to financial market liberalisation, adopting to delay major reforms until after the liberalisation of goods and other factor markets was complete. While the reform program may be following the generally preferred sequence, evidence suggests that the financial sect ...
Non-Owner-Occupancy Misrepresentation and Loan Default
... To construct this measure we start with our base sample and consider only loans reported as owner-occupied properties to investors at the time of origination. This gives us a sample of 1,563,223 loans. We then take advantage of the mailing address zip code reported to Equifax to construct our measur ...
... To construct this measure we start with our base sample and consider only loans reported as owner-occupied properties to investors at the time of origination. This gives us a sample of 1,563,223 loans. We then take advantage of the mailing address zip code reported to Equifax to construct our measur ...
Satrix Top 40 Index Fund
... investments / units / unit trusts may go down as well as up. A schedule of fees and charges and maximum commissions is available from the Manager, Satrix Managers (RF) (Pty) Ltd, a registered and approved Manager in Collective Investment Schemes in Securities. Additional information of the proposed ...
... investments / units / unit trusts may go down as well as up. A schedule of fees and charges and maximum commissions is available from the Manager, Satrix Managers (RF) (Pty) Ltd, a registered and approved Manager in Collective Investment Schemes in Securities. Additional information of the proposed ...
equity fund - Sun Life Financial
... OUTLOOK AND STRATEGY At current levels, the PSEi trades at 20.4x this year’s earnings, much higher than its historical average of 15x. We believe that stock prices should take a temporary pause for base building in preparation for the next leg up. First quarter corporate earnings results will dictat ...
... OUTLOOK AND STRATEGY At current levels, the PSEi trades at 20.4x this year’s earnings, much higher than its historical average of 15x. We believe that stock prices should take a temporary pause for base building in preparation for the next leg up. First quarter corporate earnings results will dictat ...
Reserves and the common pool resource problem
... Only one bank, Chemical Bank, refused to go along with the pooling arrangement. It was willing to lose its clearing privileges because it had a small note circulation and stable deposit base combined with a large specie reserve that it was not willing to put at risk. In spite of Chemical Bank, the ...
... Only one bank, Chemical Bank, refused to go along with the pooling arrangement. It was willing to lose its clearing privileges because it had a small note circulation and stable deposit base combined with a large specie reserve that it was not willing to put at risk. In spite of Chemical Bank, the ...
position paper summary
... Trade finance, export credits and specialised lending will be adversely affected by the new Basel III rules. Partnerships between the private and the public sectors will be lost while governments need to reduce their budget deficits. Export finance is a segment where the public sector traditionally ...
... Trade finance, export credits and specialised lending will be adversely affected by the new Basel III rules. Partnerships between the private and the public sectors will be lost while governments need to reduce their budget deficits. Export finance is a segment where the public sector traditionally ...
Bank of America 4Q16 Financial Results
... Tangible common shareholders' equity 3 Tangible common equity ratio 3 ...
... Tangible common shareholders' equity 3 Tangible common equity ratio 3 ...
Going Beyond Style Box Investing
... Backtested performance is developed with the benefit of hindsight and has inherent limitations. Specifically, backtested results do not reflect actual trading or the effect of material economic and market factors on the decision making process. Since trades have not actually been executed, results m ...
... Backtested performance is developed with the benefit of hindsight and has inherent limitations. Specifically, backtested results do not reflect actual trading or the effect of material economic and market factors on the decision making process. Since trades have not actually been executed, results m ...
Growth potential of Canadian Stock Market
... but there is no guarantee of earning any return linked to the performance of underlying index. If the GIC has a Maximum Rate of Return for the Term, the rate of return for the term payable, if any, is the return on the Reference Portfolio, but will not be less than zero or more than the Maximum Rate ...
... but there is no guarantee of earning any return linked to the performance of underlying index. If the GIC has a Maximum Rate of Return for the Term, the rate of return for the term payable, if any, is the return on the Reference Portfolio, but will not be less than zero or more than the Maximum Rate ...
Derivatives issues to consider at the outset of a restructuring
... they are exposed in the normal course of their business. Corporates are often required by their lenders to establish various derivative hedges linked to their borrowing arrangements. For instance, if the base rate of a borrower’s loan facility is floating,2 the lender may require the borrower to ente ...
... they are exposed in the normal course of their business. Corporates are often required by their lenders to establish various derivative hedges linked to their borrowing arrangements. For instance, if the base rate of a borrower’s loan facility is floating,2 the lender may require the borrower to ente ...
Exchange Traded Commodities - London Stock Exchange Group
... How do they work? ETCs are notes which provide the owner of the security with exposure to the actual underlying commodity future or spot price. As described in the diagram opposite, Exchange Traded Commodities are created through an authorised participant. The issuer then enters into a contract wit ...
... How do they work? ETCs are notes which provide the owner of the security with exposure to the actual underlying commodity future or spot price. As described in the diagram opposite, Exchange Traded Commodities are created through an authorised participant. The issuer then enters into a contract wit ...
Market Discipline of Banks - Federal Reserve Bank of New York
... funds. As for the really big banks in the 1980s, “too big to fail” status gave them some certainty of an outright rescue by the government in the event of distress or insolvency. Compared to other industries, the chain of command over banks seems reversed: supervisors first, markets second. Academic ...
... funds. As for the really big banks in the 1980s, “too big to fail” status gave them some certainty of an outright rescue by the government in the event of distress or insolvency. Compared to other industries, the chain of command over banks seems reversed: supervisors first, markets second. Academic ...
Moody`s first report on Mongolia`s banking sector
... based on our assumption that the period will continue to see double-digit loan growth and a slight widening in margins. Margins will initially benefit from further rate cuts. We expect, however, that these top-line gains will be offset by rising operating costs in a high-inflation environment, and b ...
... based on our assumption that the period will continue to see double-digit loan growth and a slight widening in margins. Margins will initially benefit from further rate cuts. We expect, however, that these top-line gains will be offset by rising operating costs in a high-inflation environment, and b ...
A Quantitative Look at the Italian Banking System
... After decreasing in World War I, both loans and deposits grew strongly in the 1920s, exceeding 50 per cent of GDP at the outbreak of the Great Depression. The ratio of loans to deposits rose in the 1920s and 1930s, before the explosion of the banking crises. 9 With bank failures, World War II and th ...
... After decreasing in World War I, both loans and deposits grew strongly in the 1920s, exceeding 50 per cent of GDP at the outbreak of the Great Depression. The ratio of loans to deposits rose in the 1920s and 1930s, before the explosion of the banking crises. 9 With bank failures, World War II and th ...
Common Reporting Standard Limited Life Debt Investment Entities
... stock, debentures and any other instrument creating or acknowledging indebtedness. Cash held by the Financial Institution should also be treated as being a debt instrument for this purpose. The term "interests therein" includes (a) equity interests in wholly owned subsidiaries that own debt instrume ...
... stock, debentures and any other instrument creating or acknowledging indebtedness. Cash held by the Financial Institution should also be treated as being a debt instrument for this purpose. The term "interests therein" includes (a) equity interests in wholly owned subsidiaries that own debt instrume ...
Assets - McGraw-Hill Education
... Asset valuation not always current market value Qualitative information incomplete ...
... Asset valuation not always current market value Qualitative information incomplete ...
Financial Transaction Taxes: Tools for Progressive Taxation and
... The Case for Financial Transaction Taxes Financial transaction taxes increase transaction costs on short-term trading and so penalize those with excessively short-term investment horizons. Their introduction could significantly improve the functioning of financial markets by reducing the churning, e ...
... The Case for Financial Transaction Taxes Financial transaction taxes increase transaction costs on short-term trading and so penalize those with excessively short-term investment horizons. Their introduction could significantly improve the functioning of financial markets by reducing the churning, e ...
Timothy Plan High Yield Bond Fund Class I
... redistributed for any purpose and may only be used for noncommercial, personal purposes. The information contained herein is not represented or warranted to be accurate, correct, complete, or timely. Morningstar, Inc., shall not be responsible for investment decisions, damages, or other losses resul ...
... redistributed for any purpose and may only be used for noncommercial, personal purposes. The information contained herein is not represented or warranted to be accurate, correct, complete, or timely. Morningstar, Inc., shall not be responsible for investment decisions, damages, or other losses resul ...
Lazard Emerging Markets Equity Portfolio
... and does not endorse or express any opinion regarding this product or report or any analysis or other information contained herein or the author or source of any such information or analysis. MSCI makes no express or implied warranties or representations and shall have no liability whatsoever with r ...
... and does not endorse or express any opinion regarding this product or report or any analysis or other information contained herein or the author or source of any such information or analysis. MSCI makes no express or implied warranties or representations and shall have no liability whatsoever with r ...
Finance Policy Supporting Organization
... measured against standard specific benchmarks. Specific total rate of return goals are expected to be met on a cumulative basis over a 3-5 year time period and shall be evaluated accordingly. Capital values do fluctuate over shorter periods and the Finance Committee recognizes that the possibility o ...
... measured against standard specific benchmarks. Specific total rate of return goals are expected to be met on a cumulative basis over a 3-5 year time period and shall be evaluated accordingly. Capital values do fluctuate over shorter periods and the Finance Committee recognizes that the possibility o ...