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7.1 Joint Settlement of Claims: The Law Has Come Into Effect
... report of 1989, overindebtedness' and this may have been the first high profile use of the term in the uk. 3 there ... she has difficulties in repaying debts, whether consumer debt or a mortgage. the eu approach to defining over-indebtedness the central reference ... or prefacing a debt settlement. this is confusing and again high lights the need for two separate procedures for bankruptcy and debt ...
www.wsnp.rvr.org

Netherlands cf USA Cons BK Reform v2.doc
... the in- efficient administrative structure of the system, producing high administrative costs and delays.16 1. the bankruptcy code ... 100% payment of outstanding debt (excluding secured debt, like home mortgage and car loans) over three to five years.29 ... surprising, given that the reasons for failure of voluntary arrangements--high debt levels and low percentage payoff capacity99 -- have not improved ...
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CEP2009 uitgebreide samenvatting pdf
... banken. 19 m. hellwig, systemic risk in the financial sector an analysis of the subprime-mortgage financial crisis,max planck institute for research on collective goods preprint, m.k. brunnermeier, ... depositohouders (uitgezonderd de zeer grote deposito's bij icesave) van de gevolgen rapport van de high level group on financial supervision in the eu, gepubliceerd op 25 februari 2009. effect ...
cpb.nl

Report FM
... currency that fails. then europe fails. the idea of european unity fails. the stakes are high fig 1 eurozone bond yields diverge again germany greece portugal spain ireland 10-year ... unexpected). aside from stock prices, house prices will drop sharply in markets where mortgage debt was already high and rates go up relatively sharply. the plunge in economic activity and corporate profitability ...
ing.nl

AMBA 1644140 v14 ABN AMRO RD 2009 DOC
... dutch state will take over part of the credit risk in a specific, high-quality dutch mortgage portfolio, reducing the bank's risk-weighted assets by approximately eur 19 ... major financial institutions, including some of the largest commercial banks, investment banks, mortgage lenders, mortgage guarantors and insurance companies in the united states were experiencing difficulties. in response, ...
snsbank.nl

CreditOpinionFrieslandBank03082010Moodys pdf
... gains) - potential volatility of the bank's earnings induced by its investments in other banks - high credit concentrations - low underlying profitability and efficiency, partly as a result of the intense competition ... , and loans to retail customers on the other hand (the bulk of which are retail mortgage loans). while the level of impaired loans to retail customers has remained relatively low, we ...
frieslandbank.nl

basis Prospectus Liric Duurzaam tcm7 109251 pdf
... n.v. ing bank (australia) limited has three operating divisions direct sales and operations, retail mortgage group and commercial property finance. the principal activity of ing bank (australia) limited is the ... the warrants, as set out in chapter 12, part 1. investment in warrants involves a high degree of risk, which may include, among others, interest rate, foreign exchange, time value and ...
ing.nl

untitled
... groenfonds and triodos cultuurfonds. the united kingdom grew its loan portfolio significantly, including some high-profile environmental projects. in difficult market conditions, and against a backdrop of aggressive competition ... a special team to deal with smaller loan applications has been postponed to 2010. private mortgage lending increased by eur 15 million (66%) to eur 37 million. due to the ...
triodos.nl

Brochure Perspectief 2013_web.pdf?MOD AJPERES
... ook in emerging market debt, high yield obligaties en mortgage backed securities. sommige categorieen zijn wel gemaximaliseerd.zo kunnen bijvoorbeeld high yield obligaties maximaal portefeuille uitmaken ... neutraal grondstoffen neutraal niet-staatsobligaties a bbb overwegen onroerend goed neutraal high yield debt positief alternatieve beleggingen neutraal emerging market debt positief liquiditeiten ...
gilissen.nl

Aegon_AR_ENG_Cover
... markets, through either expanded support services, financing or ownership. these moves illustrate the high importance we place on supporting our traditional distribution partners. in asia, our taiwan ... was able in part to compensate for this by marketing new products such as mortgage-related products (beleggingshypotheek) and rejuvenating the more traditional life policies. to help minimize ...
aegon.nl