Between households 

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DS3243_Jaarverslag
... ethical investment day (dag van het ethisch beleggen). these issues relating to the conflict between eco- nomic development, the environment and human rights arise very specifically in research into ... is the refinancing of mortgages and making owner- occupied housing affordable for low-income households. holland colours (netherlands) holland colours' was set up in 1979 from the dutch research ...
asnbank.nl

3741_ASN jrvrslg 2003 v2
... office in the hague, our organisation is very streamlined. contact between asn bank and its clients takes place via the internet, ... as space in front of the houses. the hundred future households in kersentuin decided the design of the neighbourhood and their houses ... its objective is to be a pacesetter. unconditional respect towards and between employees is already a high priority and it also encourages ...
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Microsoft Word - 2010-Q3 - 19 - UK.doc
... credit extension, even though demand for credit is weak. households are saving again. they put aside 5% of disposable ... savings. the so called gearing ratio, the proportion between loans and net financial wealth, has improved from 67 ... between net financial wealth and disposable income rose in that period from 253% to 311%. as housing is not included in these figures, the wealth position of households ...
abnamro.nl

Layout 1
... smoothly through consistent consolidation of public finance and increased savings by us private households in conjunction with a strengthening of the growth in europe and japan, both ... transactions, including the intercompa- ny gains and losses on transactions, realized or unrealized, between the bank and its subsidiaries are eliminated. consolidated financial statements are prepared using ...
tebnv.nl

TEB NV FR 05.fh9
... performance. the bank's open-plan environment has stimulated communication and improved cooperation and interaction between employees, further enhancing transparency. looking ahead teb n.v. works closely with its parent company ... growth rate (6.1%) was higher than that of exports. after adjustment for price changes, households spent 1.2% more in the third quarter of 2005 than in the same quarter ...
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7.1 Joint Settlement of Claims: The Law Has Come Into Effect
... is to define a fundamentally identical framework to identify and typify situations in which households -understood in the broadest and most contemporary meaning of the term, including single- ... indebtedness, a choice must be made between an objective, quantitative model, a purely subjective model, or an administrative model. under the first model, households whose debt service ratio (the percentage ...
www.wsnp.rvr.org

Doku_Con_Juni05_s1_33.qxp
... access to debt counselling services, those services must be expanded. models of cooperation between debt counselling services, social counselling centres and other labour market policy institutions ... union on lending to individuals, the budget and living conditions of belgi- an households, household consump- tion and overindebtedness, access to healthcare and payment difficulties, overindebtedness ...
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Microsoft Word - Mortgage market NL.doc
... the mortgage market. where appropriate, international comparisons will be made, highlighting the key differences between the netherlands and other countries. 4 mortgage market in the netherlands economy the domestic ... in single-person households. during the last 20 years, the number of one-person households has risen by almost one million. in 2011, more than a third of all households consisted of ...
abnamro.nl

lost race between schooling and technology pdf
... beginning and increased slightly towards the end wage differentials between men and women increased and decreased wage differentials between older and younger workers increased sharply and decreased slightly ... were exogenous. fourthly, subsidies on higher education are unequally distributed. the 50% richest households receive about 80% of education subsidies, see scp (1994). furthermore, only the 35 ...
cpb.nl

linkages between financial and real sector economy pdf
... on the balance sheets of banks, non-financial firms and households. a fall in asset prices lowers the net worth of households and firms, and reduces the value of their collateral. this ... market prices alone is not sufficient to determine allocations. we distinguish between balance sheet effects for non-financial firms and households, which are discussed in chapter 3, and balance sheet effects for ...
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