Sentences with phrase «by lending a long»

On top of this, since sub-prime borrowers could theoretically have a better chance at finishing repayment, it could be assumed that auto lenders are reducing their risk by lending a long - term loan to a sub-prime consumer.

Banks would no longer do «maturity transformation» by lending long against short - term deposits.

Not exact matches

Developmental lending as practiced by IBC involves providing financial services (primarily loans) to aboriginal people who, for a variety of cultural and / or financial reasons, are alienated by mainstream lending institutions; approving loan applications on the basis of typical financial considerations while taking into account the potential for positive social or community outcomes; and evaluating social outcomes resulting from the loan portfolio over the long term.

LONDON, Oct 3 - Key Euribor bank - to - bank lending rates hit fresh record lows on Wednesday, as the huge volume of cash pumped into the banking system by the European Central Bank and the prospect of further cuts in its interest rates extended a year - long slide.

Achievement of these goals was considered by the HRC as very challenging, even aggressive, given the expected modest economic growth for 2007 for the financial services industry, the impact and duration of the on - going flat / inverted yield curve (meaning short - term interest rates that are virtually equal to or exceed long - term interest rates, thus lowering profit margins for financial services companies that borrow cash at short - term rates and lend at long - term rates), potentially higher credit losses, fewer available high - quality, high - yielding loans and investment opportunities, and a consumer shift from non-interest to interest - bearing deposits.

Long - term investors will also find the pot sweetened by a low expense ratio and a securities lending program that claws back some of those expenses.

The center of small business lending, their passion is fueling the American Dream by uniting the small business loan industry and bringing all options together in one place — from short - term specialty financing to long - term low - interest traditional loans.

According to a 10 - Q filed by Bank of America earlier this year, a 100 - basis - point increase in both long - term and short - term lending rates would boost its interest income by $ 6 billion, which is essentially double (if not more) what its closest peers, Wells Fargo and JPMorgan Chase, would see in interest income increases.

Our technology creates a differentiated long - term competitive advantage to traditional service providers by addressing key issues within the mortgage lending and insurance industries.

Finally, by flattening the yield curve, the Fed's purchases have harmed commercial banks, the profits of which come mainly from borrowing short, lending long, and pocketing the difference.

Real interest rates implied by the yields on indexed bonds, as well as the real lending rates derived using various measures of inflation expectations, are also slightly below their long - term averages.

While it's impossible to prove without access to the inside books at DB and at the ECB, I believe the primary driver behind the LIBOR - OIS rate spread reflects a growing reluctance by banks to lend to other banks for a duration longer than overnight.

Furthermore, when the curve is flat or inverted, banks can not make money by borrowing short and lending long.

How long will people think that the economy is really growing when banks lend to an economy overseen by regulatory agencies staffed by ideological deregulators?

While it would be difficult to take a lack of fresh credit strains as evidence of restored health in the banking and lending system, we can't rule out the possibility that the Rube Goldberg machine created by the Fed and the Treasury will be enough to take us through a period of years (or if we follow Japan's example, decades) where we will gradually bury the losses of the banking system, trading a short - lived period of adjustment instead for a long - term period of stagnant credit.

This blog has been carried by Peter Lawler for the last year or so, and the time has long since passed for yours truly to lend a hand.

The parables disclose with what pleasure and tolerance he surveyed the broad scene of human activity: the merchant seeking pearls; the farmer sowing his fields; the real - estate man trying to buy a piece of land in which he had secret reason to believe a treasure lay buried; the dishonest secretary, who had been given notice, making friends against the evil day among his employer's debtors by reducing their obligations; the five young women sleeping with lamps burning while the bridegroom tarried and unable to attend the marriage because their sisters who had had foresight enough to bring additional oil refused to lend them any; the rich man whose guests for dinner all made excuses; the man comfortably in bed with his children who gets up at midnight to help his importunate neighbor only because he despairs of getting rid of him otherwise; the king who is out to capture a city; the man who built his house upon the sand and lost it in the first storm of wind and rain; the queer employer who pays all of his men the same wage whether they have worked the whole day or a single hour; the great lord who going to a distant land entrusts his property to his three servants and judges them by the success of their investments when he returns; the shepherd whose sheep falls into a ditch; the woman with ten pieces of silver who, losing one, lights the candle and sweeps diligently till she finds it, and makes the finding of it the occasion of a celebration in which all of her neighbors are invited to share — and how long such a list might be!

Added to that should be the $ 1 trillion directly lent by the European Central Bank to financial institutions across Europe in its latest Long Term Refinancing Operation (LTRO).

I know this campaign can succeed as long as you're by my side, and I appreciate all that you do to lend your support.

The Coast Guard found that «something» when the U.S. National Oceanic and Atmospheric Administration (NOAA) offered to lend the Polar Star crew three small, battery - powered unmanned aircraft that could be launched by hand as well as spare parts, ground - control equipment and long - range antennas.

Handpoke tattoos take much longer than gun tattoos because the needle is moderated by someone's hand instead of an automated gun, which lends itself to a more delicate look.

Bows tied at the neck were a retro trend employed by Tory Burch, Chris Benz, and Jason Wu, a detail long used by designers to lend a sweet femininity to garments while drawing attention to the face of the wearer.

From the parent company of AIM, AV by AOL lends itself well to connecting quickly for everyone from people on online dating sites looking to measure compatibility to the couple engaged in a long distance relationship.

Nintendo has a long tradition adding a little extra spice to third party games by lending out its characters.

Eloquent actors like Bill Nighy and Charles Dance lend credibility that is subsequently dashed by the overachieving dialog (there's a fine line between articulate flourish and flat - out pretension), and the films long to fuse a Shakespearean framework to the badass thrill of chicks in tight leather going bloody ballistic on CG werewolves.

This only lends more credence to the report that Hideo Kojima was laid off by Konami, which insists that he's still with the company and only on a long vacation.

European funding The European Investment Bank (EIB), the lending institution of the European Union owned by its Member States, is supporting England's plans to improve its school estate by giving long - term loans to schools whose buildings are in a bad state.

The study had long been sought by school reform advocates and Democratic legislators, who hailed its June 29 release as lending empirical proof of what's needed, financially at least, to boost the state's struggling schools.

To give you a taste of what is coming in Part 2, the arguments can be summarized as: 1) Education does not lend itself to a single «best» approach, so the Gates effort to use science to discover best practices is unable to yield much productive fruit; 2) As a result, the Gates folks have mostly been falsely invoking science to advance practices and policies they prefer for which they have no scientific support; 3) Attempting to impose particular practices on the nation's education system is generating more political resistance than even the Gates Foundation can overcome, despite their focus on political influence and their devotion of significant resources to that effort; 4) The scale of the political effort required by the Gates strategy of imposing «best» practices is forcing Gates to expand its staffing to levels where it is being paralyzed by its own administrative bloat; and 5) The false invocation of science as a political tool to advance policies and practices not actually supported by scientific evidence is producing intellectual corruption among the staff and researchers associated with Gates, which will undermine their long - term credibility and influence.

The network's critics have long argued that it achieves those results in part by weeding out weak or difficult students, and the list appeared to lend some validity to those accusations.

Design-wise, VW calls out the Arteon's long hood and a full - width grille bracketed by standard LED headlights, as well as «muscular» rear fenders and flared wheel arches that the car's maker says lend it some sports car flavour.

The plan is to reverse some of the long - held misconceptions that ebook lending could lead to increased piracy and decreased sales, a belief that has already been demonstrated to be false by Kobo at Digital Book World back in 2012 when Michael Tamblyn presented sales data for Suzanne Collins» Hunger Games trilogy.

Books have been lending material for as long as they've existed, you think that this will change by calling this common practice theft?

Being a true gent he doesn't lend her his phone to call the breakdown truck, instead he sets off to fix the flat himself, and is promptly abducted by his own long estranged son, Glenn.

It wasn't long before ebook lending libraries appeared, followed closely by libraries that actually loan out the e-reader device to patrons who don't own compatible hardware that will enable them to borrow ebooks.

By the time i got the stupid thing working, it said my time for lending was up and the book was no longer available.

It wasn't long before ebook lending libraries appeared, followed closely by libraries that actually loan out the e-reader device... [Read more...]

Five years, however, is a long horizon, and this number could be radically effected by the arrival of Kindle lending and if Hachette, Macmillan, and Simon & Schuster join the other big six publishers in library lending.

Federally guaranteed student loans will no longer be made by private lending institutions through what many of you already know as the Federal Family Education Loan (FFEL) Program.

Depository institutions make money by borrowing short and lending long; they collect the spread in between.

Central banks by their nature abhor two risks, credit risk, and lending long.

How long does it typically take for a borrower to get the funding he has requested once given a grade by lending club?

And how long after it is released will it start to be used by lending institutions?

Online lenders have taken the lending landscape by a storm by making what can be a long and complicated process relatively painless.

Though some traditional loans may have lower rates, those loans will also be over a much longer period of time, and when you consider all other factors involved in borrowing business capital — the time involved in obtaining the loan, the overall customer experience you get by utilizing non-bank lenders for your needs — alternative lending products can lead to great success for your company.

Long - term lending would have to be other entities in the economy, such as insurance companies, pension funds, endowments, private individuals, foreign lenders, mortgage REITs, and banks funded by matching sources like CDs, bonds, and equity.

We have been in the lending industry for a long time and we understand the pressing issues faced by our customers.

It is important to understand that once a loan can no longer be renewed by a borrower, the lender or lending partner will have to begin a collection process to recover the amount owed.

By becoming commercial banks and having a larger spectrum of loans to choose from, the S&Ls will act like banks and whenever possible eschew «borrowing short and lending long».

At present, the positively sloped yield curve is allowing some banks to repair by borrowing short and lending long.