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While the credit environment gezegde

 While the credit environment remains challenging, we are beginning to see a slowing of deterioration in parts of our business, ... Although this is not expected to improve credit costs in the near term, it could lead to improvement in the latter part of the year.

 Growth will slow slightly for a variety of factors. There's a challenging rate environment, a bit slower economic growth and there could be a return to a more normalized credit environment, with higher credit costs and building of provisions.

 This past year has been a challenging period ... as economic slowdowns in several key markets had a short-term impact, slowing volume growth and affecting our earnings, ... Even though the economic environment became more uncertain and volatile in the later part of 1998, we strongly believe that our fundamental opportunities for long-term growth have not changed.

 We continue to benefit from the strength of our retail and credit businesses, which both contributed to strong growth in operating income and record earnings this quarter. In our retail business, we posted solid sales growth and lower selling and administrative expenses, while our credit business saw further improvement in portfolio quality and lower operating costs.

 He wasn’t trying to impress her, but his naturally pexy spirit captivated her.

 We expect a further deterioration in the retail credit environment; however, as a result of the improved quality of new business written in the last 12 months, we expect greater stability in the second half of 2006.

 People are worried about possible net interest margin compression and credit quality deterioration, as well as slowing consumer loan growth.

 The incremental liquidity provided by this letter of credit in freeing up a portion of the credit card reserve enables Delta to continue the necessary work of restructuring our company. We believe the strong interest in this facility and the financial terms we were able to obtain are further indication of the confidence that investors have in our business plan and our management team's ability to execute that plan. Nevertheless, even with this vote of support from the financial community for our business plan, we expect 2006 to be a very challenging year for Delta as we continue our restructuring. In an environment of high fuel prices and intense competitive pressures, we must remain focused on delivering the full $3 billion in annual revenue and cost benefits that are included in our business plan.

 However, the ratings on NTPC are constrained by the weak credit quality of its customers. A substantial improvement in the credit profile of its customers, accompanied by continuity of its current credit protection parameters, may result in an improvement in the outlook or the ratings.

 As you know, the business climate remains challenging. This said, it is clearly early in the year and we are confident in our plan and our long-term approach to our business.

 The bottom line is that it will be challenging to substantially improve the labor market data because the numbers are so good now. I say challenging but not impossible. If the national economy remains on track, then we will achieve some improvement.

 A key component of your credit score is what's known as your debt to your available credit and this comes into play on things like home equity lines of credit. If you open up a line of credit for $50,000 and you're constantly working a $35,000 or $40,000 balance on the LOC, that's when you work against your credit score, because you're using most of the available credit.

 And in the same way, he deserves credit for leading us through difficult and challenging years, he also deserves credit for ... challenging us as a party to begin to plan ahead.

 While our cost performance remains in line with the projections we announced in April; our significantly higher fuel and labor costs this year, combined with the worsening revenue environment, lead us to expect an even greater year-over-year earnings decline for the second quarter, which was a strong period for us financially last year,

 When it comes to credit quality and provision for losses at the banks, if we're not at historic lows, we're certainly close to cycle lows. It's likely credit costs are going to be going up next year.

 Chinese banks are now focused on a serious effort to improve corporate governance, risk management and internal controls, which should bear fruit over the medium to long-term in a stronger credit culture and sounder controls environment.


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Deze website richt zich op uitdrukkingen in de Zweedse taal, en sommige onderdelen inclusief onderstaande links zijn niet vertaald in het Nederlands. Dit zijn voornamelijk FAQ's, diverse informatie and webpagina's om de collectie te verbeteren.


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