In a declining interest rate scenario, Banks will reprice their liabilities (deposits etc.) faster than their assets (loans etc.)resulting in higher Net Interest Margins in the short term.
Sanjeewa Fernando
Related Indications are positive towards stronger loans growth this year, which is becoming quite important ... GILBERT LOPEZ In a relatively low interest rate environment, Commercial Banks will record growth in deposits via t... SANJEEWA FERNANDO Most people...find a disorientating mismatch between the long-term nature of their liabilities and t... HOWARD DAVIES Most people... find a disorientating mismatch between the long-term nature of their liabilities and ... JAMES ARTHUR BALDWIN This partnership will benefit the entire state, ... by helping Ohioans consolidate their loans to a ... JEFF WALLACE As a result of a rising interest rate environment which is a positive for a bank like Frost with ... DICK EVANS During the Global Financial Crisis (GFC 2008 - 2010) Registered Finance Companies (RFCs) managed to ... SANJEEWA FERNANDO Japan's interest rates are still low. The rate- differential story still attracts Japanese investors... JUN KITAZAWA Monetary policy is like juggling six balls... it is not 'interest rate up, interest rate down.... RAGHURAM RAJAN [TIPS are a] terrific long-term hedge against inflation, ... are not a good hedge against short-term... ERIC JACOBSON A person who speaks honestly in the public interest has, most often, to pay unfortunately the heavie... ANUJ SOMANY The Federal Reserve needs to provide small businesses in America with the same low-interest loans it... BERNIE SANDERS In the U.S., the markets that are most risky are those where there is a higher proportion of buyers ... THOMAS SKINNER Focus debt payments on the credit card, then the car, and then the student loans -- always pay your ... DOUG FLYNN Acceleration in U.S. growth and rising energy costs will likely translate into higher long-term [int... AMY CUTTS Acceleration in U.S. growth and rising energy costs will likely translate into higher long-term [int... AMY CREWS CUTTS The catastrophic destruction of wealth than began in January 1990 has left assets ? equities and rea... CARL B. WEINBERG We are starting with stocks fully valued and short- and long-term interest rates still hovering near... JAMES STACK Overall we're in a very good situation; I don't think interest rates will be going up. Greenspan is ... GREGORY SMITH Lenders have less of a vested interest in maintaining higher credit standards because they bundle [t... DAVID JOY We continue to be pleased with our asset/liability management performance which, in a challenging in... AUBREY PATTERSON It's ludicrous that a card with a lower interest rate can cost more than one with a higher rate. MARTIN COLES Any surprises in the January CPI data from Bavaria and Brandenburg will clearly influence short-term... MARC OSTWALD If rate expectations continue to rise I think that we are certainly very close to the point where on... GERHARD SCHWARZ Negro banks, as a rule, have failed because the people, taught that their own pioneers in business c... CARTER G. WOODSON When SoFi launched in 2011, it focused squarely on the burgeoning student loan market - a market tha... KAYLA TAUSCHE Citigroup, Bank of America, and JP Morgan Chase should not be permitted to charge consumers 25- to 3... BERNIE SANDERS This is in line with our expectation that demand for new housing would 'cool off' towards the end of... BRIAN BETHUNE If the job data is stronger than expected, people will expect a longer rising trend in interest rate... LOUIS WONG Bulgaria has been deindustrialized by interest groups who extracted state assets like oil states ext... IVAN KRASTEV Investors have started selling real estate stocks on speculation higher interest rates in Japan will... TSUYOSHI SHIMIZU Buying interest was strong in infrastructure, auto and cement blue-chips. The markets will now in th... NARESH GARG Even if the loan adjusts upward next year, the amount ARMs are allowed to rise is typically capped a... FRANK NOTHAFT The peak of the interest rate cycle may be much higher than expected. Continued inflation in the US ... LOUIS WONG Card rates are rising faster than the rise in general interest rates. JUSTIN MCHENRY We don't see any change this year. Economic indicators seem to suggest there will be no change in in... LORENZO CODOGNO These transportation projects, especially the metro lines, will further spur the real estate market,... ZHANG JUN The yen will stay under pressure because of interest rate differentials. I am not so confident how t... ARMIN MEKELBURG Prior Time Warner directors are going to be looking askance at recommendations coming from these fiv... FRED LANE If we get a better interest rate, great. If we get a lower interest rate or a worse interest rate, w... JAMES KUNKE But with interest rates declining, we think Cisco shares will hang tough near-term and then rally as... ALEXANDER HENDERSON The short-term interest-rate level at 4.25 on fed funds provides mortgage rates which definitely won... KIT JUCKES The interest rates are at its lowest point now because of the economic turmoil. People in the market... ZENG HAN JUN The ongoing scenario of supply and demand dynamics require a cautious interest rate approach by the ... ALEXANDRE LINTZ After a hike in December last year, the real short-term interest rates remain zero or close to zero. GUY QUADEN The upward interest rate trend will continue because the real interest rate is still negative. AMPON KITTIAMPON For Nation States, and the adversaries within America's boarders (special interest groups, cyber cal... AMERICA We now have two (instruments), an interest rate floor and the short. We're keeping the short hidden ... GUILLERMO ORTIZ The interest in solar power in Silicon Valley is higher than almost anywhere in the country. BARRY CINNAMON We don't think they will intervene -- there are various policy responses possible and there could be... KAMAL SHARMA Banks are definitely in vogue at the moment because we are expecting rates to come down in the secon... HARRY SU It will help investors seeking to better match assets and liabilities and will benefit the Treasury ... BROOKLY MCLAUGHLIN Over the past two years we have seen at least three substantial corrections, this may be another one... EDDIE WONG Although Americans justify their self-interest in moral terms, their true interest is never itself m... GORE VIDAL Their revenue will increase from higher-than-average refining margins, increasing profits. The compa... DIPAK ACHARYA The pendulum has swung back in favor of a March rate hike. The dollar-bull camp is based on the inte... MARC CHANDLER Some have been ensnared in the net of excessive debt. The net of interest holds them fast, requiring... JOSEPH B. WIRTHLIN The dollar's firm tone is supported by a shift in the market focus back to interest rate differentia... KOSUKE HANAO Higher U.S. interest rates will continue to support the U.S. dollar in the near term. We're still lo... BESA DEDA The differences in expectations of construction executives versus their peers in other industries is... GREGG STEINBERG The interest rates are about to be increased. [Durbin] is trying to lock them in at a lower rate tha... CHRISTINA ANGAROLA Lower rates on loans will create quite tough conditions for consumer lenders because interest income... HIDEO ARIMURA We are still cautious about Treasuries because global interest rates are rising. I'll wait before bu... MASAYUKI SENDA I have an expression I use as I've gone around the world through my career: 'You never tell ... JOE BIDEN If there were not derivatives, there would be no bank loans at all today, because people want to get... JEFF GREENE private loans will utilize existing resources and capital far better than government loans. Governme... HENRY HAZLITT Consumers are worrying about interest-rate risks, their high credit-card bills and the fact that the... HEATHER RIDOUT In the short term, the reason I haven't voted for a cut in interest rates is that I remain concerned... KATE BARKER Drive-in banks were established so most of the cars today could see their real owners. •E. Joseph ... E. JOSEPH COSSMAN A cut...won't affect the 30-year fixed mortgage rate at all. According to Freddie Mac, the 30-year f... LAWRENCE YUN A person who will limit their interest will limit their life. ANDONI GARCIA With higher gasoline prices putting a dent in consumer spending and underlying inflation looking to ... ANGUS CAMPBELL We also believe that we will need further interest rate cuts in the near future. DAVID KERN This could help Chinese insurers earn more from their investment and help them better match their li... WANG GUOJUN Property shares had a technical rebound, but interest rate concerns will still affect properties unt... ANDREW TO A person who limits their interest will limit their mind. ANDONI GARCIA The short term will be checking with the funding partners and the project partners to assess the sta... ANDY WALKER The short term will be checking with the funding partners and the project partners to assess the sta... ANDY WALKER She was intimidating and all I could do was sit back on the couch as she paced back and forth, slowl... IN THE MAKING Our 3 percent increase in net income was driven by strong loan growth, an improved net interest marg... ROBERT GRISWOLD Inflationary pressures are gradually easing, which should offer scope for interest rate cuts, but ne... JAMES KNIGHTLEY Strong consumer interest in higher-priced athletic shoes is leading to slackening interest in Timber... JOHN SHANLEY The construction industry and transportation sector in Kansas have pushed 2005 growth into the very ... ERNIE GOSS a pause in rate hikes is a more likely scenario rather than a rate cut. MICHAEL NIEMIRA Interest-rate support for the Australian dollar will lessen quite substantially as the year progress... NICK BENNENBROEK You could well see them coming back and raising their interest at a higher price, DOUGLAS DAVIS The wealthy have installed their slaves in the highest spheres of the state. The banks are privately... STEPHANE HESSEL The pig is already out of the barn as far as the effects of the yield curve on net interest margins.... JEFFREY HARTE From an interest rate differential standpoint, that is positive for the dollar, but higher rates mig... HUGH WALSH The earnings momentum for technology companies will definitely help boost their shares in the short ... MASAKI ISO While the fourth quarter GDP data and the relatively healthy mix of the components further diminishe... HOWARD ARCHER People who calculated what they could afford when rates were 5.25 percent have realized their mortga... ANTHONY HSIEH In an environment where the interest rate is expected to go down, the market will be positive. HARRIS DALIMUNTHE No loan is free. The costs are in your loan somewhere, maybe rolled into the amount to be refinanced... BARBARA CORCORAN The picture is not altogether clear that we have definitely reached the peak in short-term U.S. inte... EDWARD MENASHY Market expectations... for a pause in interest rate rises have retreated. KOSUKE HANAO There has been a shift this week towards expectations of another U.S. interest rate rise in March --... DEREK HALPENNY We think this is in the broader interest of the consumers and the higher interest of the consumers. CHARLES DALFEN Vertical search engines that match your business, service or products with a target market offer you... MARC OSTROFSKY All their organs are still developing. Their brains are still developing. They have higher metabolis... DR. KATHI KEMPER
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Whole Sale Lenders (WSL) such as Development Financial Institutions (DFIs) will differ from Retail L... SANJEEWA FERNANDO In a relatively low interest rate environment, Commercial Banks will record growth in deposits via t... SANJEEWA FERNANDO Capital adequacy is a prime requirement for credit growth when it comes to a Commercial Bank. Howeve... SANJEEWA FERNANDO Rate cuts may spur credit growth, however a government will have to keep a closer eye on it's inflat... SANJEEWA FERNANDO During the Global Financial Crisis (GFC 2008 - 2010) Registered Finance Companies (RFCs) managed to ... SANJEEWA FERNANDO „Здравей, пазачо на стада, Там, край пътя, Какво т... FERNANDO PESSOA Единственият съкровен смисъл на нещата Е, че нямат н... FERNANDO PESSOA One of the reasons I chose to come to Liverpool was because of the mentality of the club. It's a... FERNANDO TORRES I was captain in Atletico at 19, playing in the same team as Demetrio Albertini, who won three Champ... 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FERNANDO TORRES My son is a Liverpool fan, and he was already kicking a ball before he was one. He was born in the f... FERNANDO TORRES When I retire, the only thing that concerns me is that no one can say that I was a bad team-mate or ... FERNANDO TORRES Football is a team sport and not an individual sport. We win as a team, and every individual is bett... FERNANDO TORRES Fitness is important, but the most important thing is how you adapt and the way you feel physically.... FERNANDO TORRES It's not easy to come somewhere new and have to find your place. You might feel someone doesn... FERNANDO TORRES You have to know what club you are playing for, or you just play for yourself. Every time I put on a... FERNANDO TORRES To choose ways of not acting was ever the concern and scruple of my life. FERNANDO PESSOA At first, it's unfamiliar, then it strikes root. FERNANDO PESSOA No intelligent idea can gain general acceptance unless some stupidity is mixed in with it. FERNANDO PESSOA Success consists in being successful, not in having potential for success. Any wide piece of ground ... FERNANDO PESSOA To feel today what one felt yesterday isn't to feel - it's to remember today what was felt y... FERNANDO PESSOA Wise is he who enjoys the show offered by the world. FERNANDO PESSOA All is worthwhile if the soul is not small. FERNANDO PESSOA It is better to look good than to feel good. FERNANDO LAMAS You look marvelous! FERNANDO LAMAS I had wanted to be a sculptor throughout life, but to do so, I had to stop painting. FERNANDO BOTERO I believe that it's better to have a conviction, believe strongly in something, and then the con... FERNANDO BOTERO Bullfights have so much color. Not just the matador but also the bull, the arena, and the public. It... FERNANDO BOTERO Before anything else, I started painting bulls and matadors. That was my initiation to paint. 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FERNANDO BOTERO The only duty an artist has is in the quality of the art. There is no moral obligation to denounce. ... FERNANDO BOTERO In a photo, you just do a click, but in art you have to put in so much energy. This concentration of... FERNANDO BOTERO I often think about death, and it saddens me to leave this world and not be able to paint more. I lo... FERNANDO BOTERO My popularity has to do with the divorce between modern art, where everything is obscure, and the vi... FERNANDO BOTERO You paint what you know best; what you went through as a teenager and child. My world is the one I g... FERNANDO BOTERO An artist is attracted to certain kinds of form without knowing why. You adopt a position intuitivel... FERNANDO BOTERO I'm the most Colombian of the Colombians, even though I've lived 47 years outside of Colombi... FERNANDO BOTERO My work is a self-portrait of my mind, a prism of my convictions. FERNANDO BOTERO Art should be an oasis: a place or refuge from the hardness of life. 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BASIL FERNANDO There are casualties but the fate of the commander is not known yet. He was critically wounded. CHANDRA FERNANDO We talk all the time, FERNANDO FERRER Creo que admiramos con lo de admirable que hay en nosotros y nunca he tropezado con nadie verdaderam... FERNANDO SAVATER To write is to forget. Literature is the most agreeable way of ignoring life. Music soothes, the vis... FERNANDO PESSOA My soul is impatient with itself, as with a bothersome child; its restlessness keeps growing and is ... FERNANDO PESSOA You know, Joe (Cannon) is one of the great goalkeepers in the league. But we have a roster full of p... FERNANDO CLAVIJO Outstanding. I mean, outstanding. I said it all along. ... You know, Joe [Cannon] is one of the grea... FERNANDO CLAVIJO "Los amigos: una familia cuyos individuos se eligen a voluntad." [ KARR, Jean-Baptiste Alphonse ] FERNANDO CORMENZANA This city is becoming unaffordable for working and middle class people. FERNANDO FERRER I knew Juan Pablo was quicker, FERNANDO ALONSO Once they are in the hotel it seems they slip a substance into the client's drink. Our data shows th... FERNANDO LOPEZ One issue that the new pope should face is the problem on terrorism and the reasons for its being. I... FERNANDO FLORES The one person I really like to beat is Michael Schumacher because it makes me feel better due to th... FERNANDO ALONSO I proudly accept the nomination of the Democratic Party to be mayor, FERNANDO FERRER I forgot to say this before, FERNANDO FERRER We need to address the root causes of poverty by creating more affordable housing, by streamlining t... FERNANDO FERRER Mike Bloomberg's worst nightmare _ Democrats together, and the beginning of the end of his administr... FERNANDO FERRER You've said to the press, we're taking our future in our own hands. This is our city and we're gonna... FERNANDO FERRER The road has been long, my friends, but this journey has been worth it, ... And we're almost there, ... FERNANDO FERRER our time is now. FERNANDO FERRER The road has been long, my friends, but this journey has been worth it. And we're almost there, beca... FERNANDO FERRER It's been a rumor forever. The last time they did this, they called everyone back if they wanted to ... FERNANDO RODRIQUEZ If I write what I feel, it's to reduce the fever of feeling. What I confess is unimportant, because ... FERNANDO PESSOA Success consists in being successful, not in having potential for success. Any wide piece of ground ... FERNANDO PESSOA Whoever, when he dies, leaves on paper a beautiful line of poetry has left the heavens richer and th... FERNANDO PESSOA The unnatural and the strange have a perfume of their own FERNANDO PESSOA He might get on the podium but I could do the same on bikes. FERNANDO ALONSO We have created the foundations to make this club the best both in organizational and sporting terms... FERNANDO MARTIN Masquerades disclose the reality of souls. As long as no one sees who we are, we can tell the most i... FERNANDO PESSOA When all by myself, I can think of all kinds of clever remarks, quick comebacks to what no one said,... FERNANDO PESSOA I'm astounded whenever I finish something. Astounded and distressed. My perfectionist instinct shoul... FERNANDO PESSOA Great work is done by people who are not afraid to be great. FERNANDO FLORES I think with my heart and love with my brain FERNANDO BRICEñO Others tried to tell me not to fight like that, but it wasn't until Danny Smith came along that I st... FERNANDO VARGAS I don't see him ready to retire. FERNANDO ALONSO I just kind of popped out for the one-timer shot. We wanted to make sure we played a complete 60-min... FERNANDO PISANI A painted landscape is always more beautiful than a real one, because there's more there. Everything... FERNANDO BOTERO The message is very bad for Texas. If I kill a policeman in San Antonio and I go to hide in Mexico, ... FERNANDO MORONES This other New York, defined by a shrinking middle class and the expanding poverty of those at the b... FERNANDO FERRER We were all over Arsenal, far superior to them. We had more scoring chances, including the penalty, ... FERNANDO ROIG I think he could be one of the biggest-profile players the Colorado Rapids have ever had. He's not 3... FERNANDO CLAVIJO The decision is utterly mind-boggling despite all the evidence which favors the defendant. CHRISTOPHER FERNANDO With every red flag there is completely panic in the garage. Outside it is nice to see, but inside i... FERNANDO ALONSO Mike Bloomberg has had four years to make some changes, and New Yorkers haven't seen much besides sk... FERNANDO FERRER