Sentences with phrase «so than the bank»

No, no more so than the bank would find the experiential data on the hypothetical mortgage bundle we discussed at the outset irrelevant.

Not exact matches

«First, because it's a very limited downgrade, only on two out of three banks, and especially since Moody's rates them better than the other two agencies (Standard & Poor's and Fitch), so, in reality, it put them at the same level or even slightly higher than the other agencies.»

Analysts from Dutch bank ING fear that the impact on Europe's economy from a so - called «Catalexit» could have a more significant impact than Brexit.

«(With an alternative lender), the interest rates are higher, the qualifying rate is higher than if you were going with a traditional bank and they are going to charge one per cent of the mortgage amount (as a lender's fee) for closing, so that means your closing costs increase.»

The Bank won't sit still for inflation over 2 %, so a rate rise is now more likely than ever.

The point is that the nation has received zero value from trillions in quantitative easing, and so if even 10 % of the 130 million households do something useful with their $ 10,000 in cash then that would be one heck of a lot more than we've gotten from the trillions thrown down the rathole of a venal, corrupted, insolvent banking sector.

Macron has said he hopes to pool liability for various kinds of debt: a completed banking union would ensure bailout costs for individual financial institutions would be distributed across the continent rather than borne by individual countries, and the so - called Eurobonds would allow national governments to borrow money against a joint continental credit rating.

They've got $ 2 billion in cash in the bank, so it's a company that has time, options and assets, but what it doesn't yet have is a demonstrable, positive upward trend to give anyone reason to believe it'll be bigger than it is now any time soon.

In short, at a time when managing risk is becoming more important than ever, the ability of Canadian banks to do so will be undermined.

In checks on the financial strength of the country's four main banks - National Bank of Greece, Piraeus, Alpha Bank and Eurobank - the ECB determined that even if the economy performs as forecast, the banks would need almost 4.4 billion euros ($ 4.8 billion) and more than 14 billion if it performs worse than expected, in a so - called «adverse scenario».

And so essentially Brainard is allowing that regulations have probably caused some decline in liquidity conditions in markets, but the impacts are being felt by smaller investors rather than by large, systemically - important banks.

The U.S. is a much bigger market than Canada, so there is more business for the taking — but banks will have to fight for it.

Non-bank lenders are more willing to accept risk, so the odds of getting funded are better than they would be at a bank.

Over the past two years, a growing number of U.S. banks has capped their directors» earnings, but the ceilings are so high that they primarily serve to fend off potential shareholder litigation rather than control the pace of pay increases.

On the average day, 39 percent of millennials interact more with their smartphone than anything or anyone else so it makes sense to use this tool to help them with their finances, a Bank of America study found.

Whilst I was working crazy hours, struggling to make ends meet, dealing with challenging clients and never really seeming to have more than a buck fifty in the bank (on a good week), everyone else's business seemed so much easier.

«If the geopolitical tension subsides or results in a smaller supply disruption than currently priced in, we are likely to see a sharp pull - back in investor positioning and an even sharper correction in oil prices than the $ 5 or so that might be warranted even as macro uncertainties persist,» U.S. bank Citi said in a note to investors.

Canada's central bank will cut borrowing costs if necessary, but the case to do so will have to be stronger than it is today.

September data so far has shown imports and bank lending grew more than expected, while exports picked up.

Not only did the Zero Lower Bound turn out to be not so debilitating as all that — rather than work their will via interest rates, central banks took to injecting money directly into the economy via large - scale asset purchases — but it does not even seem to be the lower bound: central banks, notably in Europe, have successfully experimented with negative interest rates.

A student of the Great Depression and a former economics professor at Princeton, he likely knew better than anyone in the Bush White House what was at stake when so many major U.S. investment banks were poised to fail in the panic of 2008.

So Bank staff have updated the analysis that they did last year by looking at more than 4,000 export categories.

Banks can expand their lending by about eight dollars for every dollar of their reserve, so they make a lot more money out of doing this than they do out of renting you vault space.

Negotiators for Bank of America and the Justice Department have not met in more than a week and have no plans to do so after a flurry of meetings did not bring them close to a settlement amount, sources said.

World growth will remain low on average but negative in the UK and Europe; price inflation will remain sufficiently subdued for a while longer so as to impose no constraint on monetary expansion; central banks will sustain a regime of negative real interest rates and rapid monetary expansion; the risk of a eurozone collapse is off the table for now; finally, stock markets should continue to perform better than expected, even though the four - year old cyclical bull market is long by historical standards.

Once I find a company selling for less than its cash in the bank, I take a close look at its fundamentals... I've analyzed thousands of companies in my role as an investment banker and private investor... so I know what to look for.

So many mortgages, so many assets and so many banks themselves have negative equity — that is, they owe more debt than their assets are worth — that there is no point in buying assets right noSo many mortgages, so many assets and so many banks themselves have negative equity — that is, they owe more debt than their assets are worth — that there is no point in buying assets right noso many assets and so many banks themselves have negative equity — that is, they owe more debt than their assets are worth — that there is no point in buying assets right noso many banks themselves have negative equity — that is, they owe more debt than their assets are worth — that there is no point in buying assets right now.

U.S. and European banks and insurance companies have gained ownership of these funds, so that the revenue they earn is removed from the domestic economy rather than being part of its circular flow.

«Our brains are wired so that something tactile in front of you that you can smell and feel is more real than something on your phone or a number in your bank account,» says Daniel Chong, a certified financial planner in Irvine, California.

We have more than 5000 best practice articles on hotel management and operations, so our knowledge bank is an excellent investment!

Using Private Money — If you have friends, relatives, neighbors, or others who are looking for a better interest rate than the 1 % or so they get from a bank CD or saving's account, they may be interested in lending that money to you to finance your acquisition.

So it should worry more than Wall Street traders trying to guess the exact date of the central bank's first tightening move.

Aside from the fact that these fees tend to be so costly, the other thing that makes them so burdensome is that banks can charge you more than one in a single day.

There are many inaccuracies, because after more than 10 years the bureaucracy has not understood that technology can displace the old way of creating wealth without the traditional banks, which control or control the banking and securities, so we are at doors to new ways of doing business.

Preston: [00:08:25] And so what he's explaining in that example is this idea that all these central banks around the world are trying to devalue their currency and they're just trying to devalue it faster than the next guy.

Banks are sitting on such vast quantities of excess reserves — paid to do so by the Federal Reserve as it pays a relative high interest rate on reserves — that the monetary base is larger than M1.

The best bank accounts are so much more than a place to keep your money - sometimes you're after a high savings rate, other times you're looking for lower fees.

It will do so for as long as governments spend more than they can afford and central banks help them do it.

So for example, if you're receiving bitcoin directly into your Abra wallet rather than adding money from your bank account, be sure to change your wallet currency to ɃBTC before importing your bitcoin in order to avoid exchange fees.

As practitioners, you know better than I what is required but the major focus clearly has to be on ways to restore profitability and rates of return, with all that that means for pricing services, cutting costs, changing bank structures, diversifying into other activities and so on.

However, the counter-argument was given that the banks recognize that these innovations are inevitable, so the banks have an incentive to be active participants, rather than facing challenges from outside, such as from global players like Google and Apple.

Your wallet currency will default to your local fiat currency based on the phone number you signed up with, but if you have changed your wallet currency to something other than e.g. USD then you will want to change it back so that when you transfer USD from your bank account it will arrive in your wallet as USD.

We've had more than a few requests to support USD - denominated bank accounts outside of the US, however, so this is something we may look into in the future.

In some past monetary arrangements, most notably that of Scotland before 1845, banks came very close to achieving this ideal, thanks to the their freedom to supply their customers with circulating paper banknotes as well as with deposits, and to the fact that between them these two substitutes could serve every purpose coins might serve, and do so more conveniently than coins themselves.

The Bank of Japan wants the banks to lend, so rather than give them any interest on money deposited with the Bank of Japan, they are (subject to some specific conditions) actually charging them for leaving money parked.

Especially CBA looks quite expensive at 2,1 times book but all banks are much more profitable than any Western peer with ROEs well in the 15 % or so.

When a company wants to expand but they lack the funding to do so, rather than getting a loan from the bank, they just sell shares of the company to potential investors.

In the event of a default the property is sold and the bank gets all its money back because they are in a full equity position, the amount lent is less than the total value of the asset so they are only out the time it takes to get the property sold.

This is a great article but sadly these appear to be examples of the powerful incumbents attempting to usurp blockchain so as to keep themselves in the middle (Bank of America's patents — actually, patents are a good use case for blockchain) rather than the powerful incumbent reinventing themselves.

Modern banks, even prior to the recent crisis, have generally had to keep somewhat higher reserve ratios than their pre-1845 Scottish counterparts, mainly owing to the fact, mentioned above, that they must stock their cash machines and tills with base money, instead of being able to do so using their own circulating banknotes.