Sentences with phrase «for most financial institutions»

A common marketing technique for most financial institutions is to advertise free checking accounts to lure potential customers in the door.

The spread between the cost of funds and the interest rate charged to borrowers represents one of the main sources of profit for most financial institutions.

Not exact matches

The banking system has been weak for years as most institutions have failed to deal with the high level of bad debt in the wake of the financial crisis.

Businesses that have been in operation for less than three years are the most likely to change their financial institution.

In fact, most hackers are equal - opportunity intruders, meaning they scan the Internet for any available security loophole, whether it's at a global financial institution, a midsized manufacturer, a local retailer, or a home - based business.

«Requiring the banks to pay treble damages to every plaintiff who ended up on the wrong side of an independent Libor ‐ denominated derivative swap would, if appellants» allegations were proved at trial, not only bankrupt 16 of the world's most important financial institutions, but also vastly extend the potential scope of antitrust liability in myriad markets where derivative instruments have proliferated,» the U.S. Court of Appeals in New York said in the ruling.A U.S. appeals court on Monday revived private antitrust litigation accusing major banks of conspiring to manipulate the Libor benchmark interest rate, in a big setback for their defense against investors» claims of market - rigging.

I have ignored reasons that might justify lower discount rates or higher GDP adjustments for China mainly because the purpose of this essay is to explain why the U.S. multiple is so much higher than China's, and of course these reasons exist, but I think whatever the correct ratio should be, there is no question that advanced economies always justify higher multiples than developing economies because they tend to be economically more diversified and politically more stable, and they usually have institutions, including clearer legal and regulatory frameworks, more sophisticated capital allocation processes, less rigid financial systems, and smaller state sectors (which make smooth adjustment, one of the most valuable and undervalued components of long - term growth, more likely).

Most private student loan lenders base their rates on LIBOR, which stands for the London Interbank Offered Rate, a rate estimated by leading financial institutions in London.

For portfolio investors in emerging - market currencies, bonds and securities — the scale of which dwarfs FDI and private - equity inputs — the quality of a country's financial institutions and the depth and liquidity of its markets are most important.

Merchant services accounts are offered by specialized providers, independent sales organizations or financial institutions such as banks — although most banks charge fairly high fees for small, home - based or online businesses.

It's one of the single most feared (or even loathed) provisions of the Department of Labor's fiduciary rule for a large financial institution, because it dramatically raises the stakes of a potential systemic failure to fulfill the firm's fiduciary duty to clients, outside the relative safety of one - advisor - at - a-time arbitration (especially industry - friendly FINRA arbitration).

We already know that the Basel 3 requirements for Swiss financial institutions are some of the most stringent in the world, another example of Swiss governmental agencies» extreme conservatism.

Raising money for app development business is a challenge because most financial institutions might not be willing to invest in an app business without proof that you have customers who would be willing to purchase your app.

Most simply, these two benchmarks serve as an easy way for financial institutions to determine the price of money.

Even if you incorporate, most financial institutions will still require a new business to pledge business or personal assets as collateral for your business loans.

Bitcoin tumbled probably the most since July after China's central financial institution mentioned preliminary coin offerings are illegal and asked all related fundraising activity to be halted immediately, issuing the strongest regulatory challenge to this point to the burgeoning marketplace for digital token sales.

«The market recognizes that XRP is the fastest, most scalable digital asset for global payments that can also provide liquidity to financial institutions,» said Patrick Griffin, SVP of business development for Ripple.

European and US financial institutions again dominated issuance in Australia, while supranationals and government agencies accounted for most of the offshore Australian dollar issuance.

The cost of funds is one of the most important input costs for a financial institution, since a lower cost will generate better returns when the funds are used for short - term and long - term loans to borrowers.

«Previous studies have also noted that the financial condition of the most troubled institutions is, to a large extent, a product of an inefficient expense structure, revenue challenges associated with a patient mix that approaches 90 percent public payers and charity care, and overwhelming liabilities (including debt issued long ago for physical plant improvements that, in some cases, are obsolete),» the health department said in its announcement.

«There is no justification for massive pay and bonus awards in financial institutions, the most important of which are guaranteed or owned or have been rescued by the taxpayer,» he said.

The acquisition of the most advanced financial and risk - management technologies translates into a competitive advantage for those financial institutions which are able to rely on the expertise of highly quantitative personnel in a wide range of key technical positions.

Many shop, have jobs, pay bills, are eligible for tax refunds if they file, have accounts at financial institutions, make car payments, pay car insurance — and most importantly, college - bound students are preparing to make a student debt choice.

Some of the lowest - performing urban public - school systems are also those that spend the most money per pupil — but despite Catholic schools» record of helping disadvantaged students learn, and despite their desperate need for financial resources, these institutions are denied any direct public support.

Given our strong capital level, very low charge - offs and delinquency from loans as well as outstanding performance from investments, Star One continues to outperform most other financial institutions and provide exceptional products and services for our members.

Most financial institutions will require an established credit history to obtain a loan, which some won't qualify for.

While most local financial institutions have online services, you had to research them individually before choosing the community bank or credit union that will work for you.

Would it be specific to a given financial institution, or is this a common - enough practice that many / most / all credit unions and banks allow for it?

It is one of the most widely used tools by financial institutions for evaluating the creditworthiness of potential borrowers.

I prefer to feature savings accounts that are, for the most part, offered by familiar, well - known, reputable banks and financial institutions.

Most of the major players and financial institutions, that move price during the European session, are already out of the market for the day.

Online lenders provide not only the most convenient unsecured loans in the financial sector, they also offer the lowest rates, due to low company overhead and stiff online competition with other financial institutions that market their products on the Internet, both of which can add up to significant savings for you over the term of your new loan.

The first is the insurance risk premium, which stems from the fact that producers of goods for public consumption (such as coffee, base metals, and petroleum), as well as the producers of these raw materials, wish to transfer the risk of price fluctuations to speculators, which in most cases are financial institutions.

As one of Texas» most trusted financial institutions, you can count on RBFCU to help you find auto loans, personal loans, credit cards and more — with options and benefits that work for you.

Most online financial institutions have the ability to pull funds from other bank or credit union accounts for a small fee or for no fee at all.

Interest rates are near 60 - year lows: posted five - year mortgage rates are under three per cent at most financial institutions (and under four per cent for 10 years).

Student loan debt has contributed to financial burdens for many young Americans, but in some cases, this was made worse by institutions looking to make the most on loan returns.

Each financial institution will have its own specific requirements in order to consider an applicant for a private student loan, but most will require that you are enrolled in a degree - seeking program at an accredited private or public higher - education institution.

If you have bad credit the most common scenario for loan applications with traditional lenders, banks and financial institutions is a straight decline.

Financial institutions and accountants will offer a breakdown of what you owe, and what payment plans will be the most effective for you.

Most of us will turn to a financial institution for a mortgage the first step in a potentially long - standing relationship.

Most traditional banks and customary financial institutions have fees and charges just for filling out an application, as well as hurting your credit score when they pull a credit report.

I've often mentioned that the term «high yield» is used relatively, because you'll find most rates at banks and financial institutions to be set at even lower levels, resulting in an average APY of 1.001 % for money market and savings accounts.

(For wonks only: regulated financial institutions should be matching assets versus liabilities as their most aggressive posture.

For example, most large financial institutions won't work with the companies that sell medical marijuana.

For CD investors, no fees are charged unless they opt for early withdrawal, similar to most financial institutioFor CD investors, no fees are charged unless they opt for early withdrawal, similar to most financial institutiofor early withdrawal, similar to most financial institutions.

Poor credit rating eliminates approval for most sorts of loans and even if approval is possible, the loan conditions are altered to fit the risk implied inside the monetary transaction for the financial institution.

You can of course get a better interest rate at most of the financial institutions on our comparison chart, including directly with EQ Bank, but the Wealthsimple account provides some additional convenience for customers who use its investment services.

An individual opens their own IRA with a financial institution, making it different than a 401K account, which is opened for employees by most employers.

Those reports are most readily available for immigrants arriving from the United States or the United Kingdom; contact a financial institution in your previous country of residence for details on obtaining a credit report from that country.