Eron Mortgage Study
... Early Investors Suffer Greater Losses: Considering the Dynamics of the Eron Ponzi Scheme ... 22 Perceptions of Responsibility and Prevention .................................................................... 24 Perceptions of the Legal Responsibilities of Regulators ............................... ...
... Early Investors Suffer Greater Losses: Considering the Dynamics of the Eron Ponzi Scheme ... 22 Perceptions of Responsibility and Prevention .................................................................... 24 Perceptions of the Legal Responsibilities of Regulators ............................... ...
Vanguard Fixed Income Securities Funds Statement of Additional
... securities of any one issuer or (2) purchase securities of any issuer if, as a result, more than 5% of the Fund’s total assets would be invested in that issuer’s securities. This limitation does not apply to obligations of the U.S. government or its agencies or instrumentalities. Industry Concentrat ...
... securities of any one issuer or (2) purchase securities of any issuer if, as a result, more than 5% of the Fund’s total assets would be invested in that issuer’s securities. This limitation does not apply to obligations of the U.S. government or its agencies or instrumentalities. Industry Concentrat ...
form 10-k toyota motor credit corporation
... electronically through our online system for contract acquisition. The customer may submit a credit application directly to our website, in which case, the credit application is sent to the dealer of the customer’s choice or to a dealer that is near the customer’s residence. In addition, through our ...
... electronically through our online system for contract acquisition. The customer may submit a credit application directly to our website, in which case, the credit application is sent to the dealer of the customer’s choice or to a dealer that is near the customer’s residence. In addition, through our ...
2Q 2016 Form 10-Q (PDF 540 KB)
... (e) Includes the AUC/A of CIBC Mellon Global Securities Services Company (“CIBC Mellon”), a joint venture with the Canadian Imperial Bank of Commerce, of $1.1 trillion at June 30, 2016, March 31, 2016 and June 30, 2015. (f) Represents the total amount of securities on loan managed by the Investment ...
... (e) Includes the AUC/A of CIBC Mellon Global Securities Services Company (“CIBC Mellon”), a joint venture with the Canadian Imperial Bank of Commerce, of $1.1 trillion at June 30, 2016, March 31, 2016 and June 30, 2015. (f) Represents the total amount of securities on loan managed by the Investment ...
ASX Listing Rules Appendix 1A - ASX Listing Application and
... information is located or, in the case of a document, the folder tab number where that document is located). If the item asks for confirmation of a matter, you may simply enter “Confirmed”” in the “Location/Confirmation” column. If an item is not applicable, please mark it as “N/A”. In this regard, ...
... information is located or, in the case of a document, the folder tab number where that document is located). If the item asks for confirmation of a matter, you may simply enter “Confirmed”” in the “Location/Confirmation” column. If an item is not applicable, please mark it as “N/A”. In this regard, ...
OUTPERFORM Chularat Hospital
... OUTPERFORM with DCF-based TP of Bt2.4/sh, implying 32x FY16 and 26x FY17 P/E. The only hospital to focus on growing population in industrial estate areas Revenue grows towards cash patients, while margins set to expand CHG operates six hospitals and seven clinics with 376 available beds. All hospita ...
... OUTPERFORM with DCF-based TP of Bt2.4/sh, implying 32x FY16 and 26x FY17 P/E. The only hospital to focus on growing population in industrial estate areas Revenue grows towards cash patients, while margins set to expand CHG operates six hospitals and seven clinics with 376 available beds. All hospita ...
Form ADV Part 2A Nuveen Asset Management, LLC 333 West
... subadvised by NAM will not be advisory clients of NAM, and NAM will not provide investment advice or recommendations with respect to the merits and suitability of the particular investment and investment decision for the particular investor. Investors in Nuveen Funds are encouraged to consult their ...
... subadvised by NAM will not be advisory clients of NAM, and NAM will not provide investment advice or recommendations with respect to the merits and suitability of the particular investment and investment decision for the particular investor. Investors in Nuveen Funds are encouraged to consult their ...
CreditMetrics™ — Technical Document
... We wish to estimate the volatility of value due to changes in credit quality, not just the expected loss. In our view, as important as default likelihood estimation is, it is only one link in the long chain of modeling and estimation that is necessary to fully assess credit risk (volatility) within ...
... We wish to estimate the volatility of value due to changes in credit quality, not just the expected loss. In our view, as important as default likelihood estimation is, it is only one link in the long chain of modeling and estimation that is necessary to fully assess credit risk (volatility) within ...
Franklin California Tax-Free Income Fund SAI
... and the Fund could face illiquidity risks. Information about the financial condition of an issuer of municipal bonds may not be as extensive as that which is made available by corporations for their publicly-traded securities. The absence or inaccuracy of such information may impact the investment m ...
... and the Fund could face illiquidity risks. Information about the financial condition of an issuer of municipal bonds may not be as extensive as that which is made available by corporations for their publicly-traded securities. The absence or inaccuracy of such information may impact the investment m ...
The Dark Side of Universal Banking: Financial Conglomerates and
... securities and other financial instruments to investors. LCFIs used the OTD strategy to maximize their fee income, reduce their capital charges, and transfer to investors the risks associated with securitized loans. Securitization enabled LCFIs to extend huge volumes of home mortgages and credit car ...
... securities and other financial instruments to investors. LCFIs used the OTD strategy to maximize their fee income, reduce their capital charges, and transfer to investors the risks associated with securitized loans. Securitization enabled LCFIs to extend huge volumes of home mortgages and credit car ...
Who We Are and What We Do
... robust, with a total of 16.2 million contracts traded, 37% higher than the year before. ...
... robust, with a total of 16.2 million contracts traded, 37% higher than the year before. ...
citigroup`s 2008 annual report on form 10-k
... while assets under custody grew 19% to $13.5 trillion. Citicorp end of period loans increased 16% year-overyear to $440 billion, with 11% growth in Consumer loans and 22% growth in Corporate loans. ...
... while assets under custody grew 19% to $13.5 trillion. Citicorp end of period loans increased 16% year-overyear to $440 billion, with 11% growth in Consumer loans and 22% growth in Corporate loans. ...
Form 10-Q - Wells Fargo
... in 1852 and headquartered in San Francisco, we provide banking, insurance, investments, mortgage, and consumer and commercial finance through more than 8,600 locations, 13,000 ATMs, digital (online, mobile and social), and contact centers (phone, email and correspondence), and we have offices in 42 ...
... in 1852 and headquartered in San Francisco, we provide banking, insurance, investments, mortgage, and consumer and commercial finance through more than 8,600 locations, 13,000 ATMs, digital (online, mobile and social), and contact centers (phone, email and correspondence), and we have offices in 42 ...
Diamondback Energy, Inc.
... prospectus supplement and the accompanying prospectus, as well as other risk factors incorporated by reference into this prospectus supplement and the accompanying prospectus from the filings we make with the Securities and Exchange Commission, or the SEC, for an explanation of these risks before in ...
... prospectus supplement and the accompanying prospectus, as well as other risk factors incorporated by reference into this prospectus supplement and the accompanying prospectus from the filings we make with the Securities and Exchange Commission, or the SEC, for an explanation of these risks before in ...
Ramsay Health Care 2013 12 18 - Price sensitive
... RHC's equity valuation is highly sensitive to the outcomes of its price negotiations with Australian insurers (Figure 2). Using a bottom-up analysis of key variables we estimate that only a 0.1% change in the 10-year CAGR of the real pricing RHC receives from insurers equates to a 3.1% differential ...
... RHC's equity valuation is highly sensitive to the outcomes of its price negotiations with Australian insurers (Figure 2). Using a bottom-up analysis of key variables we estimate that only a 0.1% change in the 10-year CAGR of the real pricing RHC receives from insurers equates to a 3.1% differential ...
Herman J. Bierens - Personal.psu.edu
... Appendix B). Existing studies on the dynamics of individual bond credit spreads have mostly focused on monthly prices of investment grade bonds because of data constraints (e.g., Duffee, 1999). A study of high-yield indices may help understand the general dynamics of credit spreads in the high-yield ...
... Appendix B). Existing studies on the dynamics of individual bond credit spreads have mostly focused on monthly prices of investment grade bonds because of data constraints (e.g., Duffee, 1999). A study of high-yield indices may help understand the general dynamics of credit spreads in the high-yield ...
US SECURITIES AND EXCHANGE COMMISSION FORM
... In January 2010, the Company announced that in connection with Citi’s exit from the loss-sharing agreement with the U.S. government in December 2009, the Company conducted a broad review of the Citi Holdings asset base to determine which assets were strategically important to Citigroup. As a result ...
... In January 2010, the Company announced that in connection with Citi’s exit from the loss-sharing agreement with the U.S. government in December 2009, the Company conducted a broad review of the Citi Holdings asset base to determine which assets were strategically important to Citigroup. As a result ...
Repo and Securities Lending - Federal Reserve Bank of New York
... these contracts and their motivations. This section also highlights the central role that securities dealers play in both markets, where, alongside their own trading activity, they also act as intermediaries (see also Pozsar, 2014). In Section 3, we describe the main vulnerabilities of repo and secu ...
... these contracts and their motivations. This section also highlights the central role that securities dealers play in both markets, where, alongside their own trading activity, they also act as intermediaries (see also Pozsar, 2014). In Section 3, we describe the main vulnerabilities of repo and secu ...
Canadian Imperial Bank of Commerce
... These securities have not been and will not be registered under the United States Securities Act of 1933, as amended (the “U.S. Securities Act”), or under any state securities laws, and this prospectus does not constitute an offer to sell or a solicitation of an offer to buy any of these securities ...
... These securities have not been and will not be registered under the United States Securities Act of 1933, as amended (the “U.S. Securities Act”), or under any state securities laws, and this prospectus does not constitute an offer to sell or a solicitation of an offer to buy any of these securities ...
Review of Securities Law - Ministry of Business, Innovation and
... disclosures necessary for an investor to make their decision. We consider that there may be a case for prescribing the length of PDSs for simpler financial products. Both the long and short form PDS will include a simple risk rating set by the issuer and checked by the regulator as part of the docum ...
... disclosures necessary for an investor to make their decision. We consider that there may be a case for prescribing the length of PDSs for simpler financial products. Both the long and short form PDS will include a simple risk rating set by the issuer and checked by the regulator as part of the docum ...
Assessment of the VP settlement system
... messaging standards and straight-through processing (STP) .......................... 63 ...
... messaging standards and straight-through processing (STP) .......................... 63 ...
FINANCIAL STATEMENTS AND NOTES TABLE OF CONTENTS
... On May 4, 2012, Citigroup Inc. (Citigroup) filed its Quarterly Report on Form 10-Q for the quarter ended March 31, 2012 (the First Quarter 2012 Form 10-Q) with the U.S. Securities and Exchange Commission (SEC). In the First Quarter 2012 Form 10-Q, Citigroup presented updated business segment disclos ...
... On May 4, 2012, Citigroup Inc. (Citigroup) filed its Quarterly Report on Form 10-Q for the quarter ended March 31, 2012 (the First Quarter 2012 Form 10-Q) with the U.S. Securities and Exchange Commission (SEC). In the First Quarter 2012 Form 10-Q, Citigroup presented updated business segment disclos ...
Monthly balance sheet statistics
... The period from the date of giving notice to the maturity date is to be regarded as the period of notice. If a period during which notice may not be given is agreed upon in addition to the period of notice, this must be taken into account in the classification; on the expiry of the period resulting ...
... The period from the date of giving notice to the maturity date is to be regarded as the period of notice. If a period during which notice may not be given is agreed upon in addition to the period of notice, this must be taken into account in the classification; on the expiry of the period resulting ...
Is there any Dependence between Consumer Credit
... include bank-level data. Like them, we consider the number of credit lines a borrower has contracted in our default probability equation. Norden and Weber (2010) investigate checking accounts and the information they supply regarding credit line utilization for both firms and consumers. Using a Germ ...
... include bank-level data. Like them, we consider the number of credit lines a borrower has contracted in our default probability equation. Norden and Weber (2010) investigate checking accounts and the information they supply regarding credit line utilization for both firms and consumers. Using a Germ ...
Payment, clearing and settlement systems in Brazil
... Payment services are provided mainly through the 33,500 branches of universal and commercial banks. They are also available through some 120,000 “correspondentes bancários”. These are non-financial institutions that act as banks’ agents, providing payment and banking services to people without direc ...
... Payment services are provided mainly through the 33,500 branches of universal and commercial banks. They are also available through some 120,000 “correspondentes bancários”. These are non-financial institutions that act as banks’ agents, providing payment and banking services to people without direc ...
Credit rating agencies and the subprime crisis
Credit rating agencies (CRAs) — firms which rate debt instruments/securities according to the debtor's ability to pay lenders back — played a significant role at various stages in the American subprime mortgage crisis of 2007-2008 that led to the Great Recession of 2008-2009. The new, complex securities of ""structured finance"" used to finance subprime mortgages could not have been sold without ratings by the ""Big Three"" rating agencies — Moody's Investors Service, Standard & Poor's, and Fitch Ratings. A large section of the debt securities market — many money markets and pension funds — were restricted in their bylaws to holding only the safest securities — i.e securities the rating agencies designated ""triple-A"". The pools of debt the agencies gave their highest ratings to included over three trillion dollars of loans to homebuyers with bad credit and undocumented incomes through 2007. Hundreds of billions of dollars' worth of these triple-A securities were downgraded to ""junk"" status by 2010, and the writedowns and losses came to over half a trillion dollars.This led ""to the collapse or disappearance"" in 2008-9 of three major investment banks (Bear Stearns, Lehman Brothers, and Merrill Lynch), and the federal governments buying of $700 billion of bad debt from distressed financial institutions.