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The financial industry is a world where people have long complicated titles but short memory. When the Swedish credit market was deregulated in the mid-80s dubai airport shopping began lending dubai airport shopping banks a wild celebration. Those of you who do not remember how it ended can google on "90's crisis."
What has the big banks learned? Right a bit, judging by the numbers SvD Business developed. Since 2008, Swedish banks again expanded at a much faster rate than the Swedish economy. So what? Swedish banks belonging to the Europe's most solid?
That's right, but at the same time not. The varies depending on how you count. When Governor Stefan Ingves spoke at a seminar recently, he presented two charts. One showed the Swedish banks' capital adequacy under the Basel rules. Idel Swedish banks top in Europe. Another photo illustrated the level of equity in relation to total bank assets.
This is considerably simpler measurements have become increasingly important as the complexity of risk-weighted models in the Basel framework proved to be poor at identifying which banks actually get in trouble. Suddenly ended Swedish banks far down.
Our big banks are also dependent on borrowing in the capital market, dubai airport shopping as the IMF pointed out as a risk factor. So: giant banking sector, low proportion of true capital and great vulnerability in times of crisis. How safe do you feel?
The explanation for all d one can be summarized like this: the mortgage dubai airport shopping market. Rising prices and low interest rates are driving lending and because the risk is considered negligible, the banks need to set aside very little capital. It is possible dubai airport shopping to put forward a variety of arguments that prices will continue to rise and that the risks are low. You can also make it very easy for him.
What is the solution? Actually very simple. Major banks devote the next ten years for hoarding capital on a massive scale so that their financial margins are on the same level as in ordinary companies. Abracadabra so would need government protection disappear. And the banks would not have to finance ministers who settles dubai airport shopping in. But it would also mean some other odds and ends, as lower returns on capital, and abolishing dividend for instance. dubai airport shopping
Feel free to have your say on SvD.se. Our rules are simple: to show respect for the people we write about and other readers who comment dubai airport shopping on articles. To comment on SvD.se you must register an account with Disqus or use an existing account on Facebook, dubai airport shopping Google, Yahoo or OpenID. Sincerely, Olle Zachrison, director SvD Business Read the rules in their entirety
Here's a kviss http://quiz.svd.se/?sTid=1364, and it should come to a weekly. As for Swedish characters is well easier to add a Swedish dubai airport shopping keyboard, dubai airport shopping and then set a shortcut key to switch between, right? dubai airport shopping Maybe I should make a film about how to do this in Windows, so can someone else come with Mac and Unixinstrux.
Now it's just like a horse penis like a man only a crumpled (also retracted and invisible stallion) skinnslamsa to "everyday" and also rots Well also, salted maybe but it says nothing about? Nordic "mythology" was usually ihopfantiserad in cigarröksdimmiga and punch scented salons in such grove ..... but given today's frequent use of "dildos" it may be suspected that the peasant wives when their husbands were at war journey looking forward little dubai airport shopping "völse"?
Memo: Völse = inappropriate name to baptize someone or something dubai airport shopping to. But joking aside understands got that St. Olaf jiggle. Infidel or not, it's easy to imagine his face when he figured out what was being passed around. "Buttressed with onions" and all.
I can not agree with the interpretation of "Mörnir" as "sword / phallus." There is an interpretation that Mörnir refers to the fertility (and in any case I became convinced of Folke's research and reasons why it should be so).
Especially since, if I'm not wrong for me-nir "is the plural ending of words ending in-n or-no (as vanr, which is the singular of vanir. Ie Vanir). Even in the specific case, I think "feel the fertility / receive this sacrifice" sounds much more sensible than the opposite interpretation. dubai airport shopping
I can not agree with the interpretation of "Mörnir" as "sword / phallus." There is an interpretation that Mörnir refers to the fertility (and in any case I became convinced of Folke's research and reasons why it should be so).
Especially since, if I'm not wrong for me-nir "is the plural ending of words ending in-n or-no (as vanr, which is the singular of vanir. Ie Vanir). Even in the specific case, I think "feel the fertility / receive this offerR