| 单词 | savings bank |
| 例句 | They have been employed to instruct us in the whole range of our institutional virtues, from the White House to your neighborhood savings bank. The Lives of a Cell 1974-01-01T00:00:00Z Mr. Allen left Bud’s office and walked across the street to the savings bank. Frindle 1996-01-01T00:00:00Z Housed in a former savings bank, the Grandezza Hotel overlooked the scenic Zelny Trh, or Cabbage Market, a small square that predates Brno’s official founding in the 13th century. In Brno, Drinks for Morning, Noon and Night 2017-04-12T04:00:00Z No one knows for certain what is going to happen next with regards to the cultural activity of the savings banks. The drain in Spain: the country's arts crisis 2011-03-27T20:31:00Z Once the busiest savings bank in Brooklyn, the grand Williamsburg space has adapted to include modern technologies like ATMs and security cameras, but key historic architectural features—including columns adorned with oversized dimes—remain preserved. Inside 13 of New York City’s Stunning Landmarks 2015-04-10T04:00:00Z Private foundations opened their doors and savings banks formed international art collections, setting up cultural centres as part of their social remit. The drain in Spain: the country's arts crisis 2011-03-27T20:31:00Z Architect George B. Post designed this Brooklyn bank to resemble a cathedral, not in reverence to god, but instead to “the almost religious act of the savings bank depositor.” Inside 13 of New York City’s Stunning Landmarks 2015-04-10T04:00:00Z These include accounts at a major global commercial bank, a credit union, an online high yield F.D.I.C.-insured savings bank and a low-fee money-market fund with a large, reputable asset management company. The Fabulous Yields, and Lurking Risks, of Money Market Funds 2023-04-21T04:00:00Z TSB recently faced a public outcry over plans to shut a museum at the site of the world's first savings bank. TSB to close another 70 branches by July 2021-11-30T05:00:00Z BHR is about 80 percent controlled by Chinese government entities, including the country’s postal savings bank, a pension fund, and the Bank of China. Hunter Biden is ‘working to unwind’ investment in Chinese firm, White House says 2021-02-05T05:00:00Z In 1816, the first savings bank in the United States, the Philadelphia Savings Fund Society, opened for business. Today in History 2020-12-02T05:00:00Z In response, Black reparationists set up mutual aid societies, Black churches, community schools and grassroots savings banks for their people. How the long fight for slavery reparations is slowly being won 2020-10-06T04:00:00Z Bankia S.A. was created in 2010 by the merger of seven regional Spanish savings banks as a way of surviving the then financial crisis. 2 Spanish banks merge amid tough times for financial sector 2020-09-17T04:00:00Z In early April, it was still possible to lock in a yield of 1.85 percent for 12 months with a high-yielding certificate of deposit offered by online savings banks. Bonds Started to Falter. Then, the Fed Came to the Rescue. 2020-04-16T04:00:00Z As state senator, he supported the legislative charter of new savings banks headed by himself and other Tammany politicians. Making money off of politics isn’t new — it was business as usual in the Gilded Age 2019-08-19T04:00:00Z The Provincial Court in Gdansk on Monday also found the two individuals, identified only as Marcin P. and his former wife, Katarzyna P., guilty of misleading clients by advertising as a savings bank. Polish court says founders of financial scam guilty of fraud 2019-05-20T04:00:00Z The Provincial Court in Gdansk on Monday also found the two individuals, identified only as Marcin P. and his former wife, Katarzyna P., guilty of misleading clients by advertising as a savings bank. Polish court says founders of financial scam guilty of fraud 2019-05-20T04:00:00Z The Bowery bank, which did not pay its officers or trustees for decades and grew to be among the largest savings banks in the United States, no longer exists. Spared From the Shredder (for Now): ‘Priceless’ Bank Records of Old New York 2019-04-02T04:00:00Z The German banking market is notoriously difficult for commercial banks because consumer and small-business lending is dominated by quasi-public savings banks. Deutsche Bank and Commerzbank, Germany’s 2 Biggest Lenders, Hold Merger Talks 2019-03-17T04:00:00Z The underlying problem is that the German banking market is overcrowded, and consumer and small-business lending is dominated by quasi-public savings banks. Do Two Troubled Banks Make One Good One? Germany May Find Out 2019-02-25T05:00:00Z A standing-room-only crowd of true believers and opportunists crammed into the vast domed hall of a former Gilded Age savings bank in Williamsburg. The Prophets of Cryptocurrency Survey the Boom and Bust 2018-10-15T04:00:00Z A new savings bank hits the UK next week, but it's far from being a new company. Goldman Sachs wants your piggy bank 2018-09-21T04:00:00Z A similar action was taken decades ago on mutual savings banks. Credit Unions Shouldn’t Get a Free Ride 2018-08-14T04:00:00Z And the most popular symbol of monopoly was the octopus, its tentacles pulling small-town industry, savings banks, railroads, and Congress itself into its clutches. How to fix Big Tech? We need the right language to describe it, first | Marc DaCosta 2018-07-07T04:00:00Z For the rest of the banking system — a hodgepodge of smaller commercial banks, postal savings banks and other savings institutions — the central bank’s move frees up $31 billion. China Moves to Shore Up Economy as Slowdown and Trade Fight Loom 2018-06-24T04:00:00Z It’s the goofy Santa Claus savings bank you got from your great-aunt when you were still a twerp. Perspective | How to divvy up the inheritance — and keep the family together 2018-06-01T04:00:00Z It took more than 200 years before the first French savings bank was founded in Paris in 1818. An exhibition on German saving, the virtue turned problem 2018-03-28T04:00:00Z The exhibition examines the origin of savings banks. 'Thriftiness is sexy': exhibition examines Germans' mania for saving 2018-03-27T04:00:00Z Some thrifty women helped themselves and their families by using penny savings banks. What the Women of Britain's Early Factories Did About Work-Life Balance 2017-06-07T04:00:00Z Germany's savings banks, the largest and most powerful financial group in the country, received reminders from the group's information technology company to install updates. Banks reinforce cyber defenses after global attack 2017-05-15T04:00:00Z The first shooting was reported shortly after midday at Marathon savings bank in Rothschild. Wisconsin shootings: four dead after family dispute at bank 2017-03-22T04:00:00Z He decided to keep running the bank longer term and in 1983 bolstered its capital by selling shares, transforming Washington Mutual from a depositor-owned institution into a publicly traded savings bank. After Retiring From Washington Mutual, Louis Pepper Couldn’t Let Go 2017-01-06T05:00:00Z The first savings bank in the world was founded in Hamburg in 1778. 'Thriftiness is sexy': exhibition examines Germans' mania for saving 2018-03-27T04:00:00Z Yet enthusiasm for mergers is not shared by the country's politically powerful public savings banks. Deutsche Bank, Commerzbank held talks about tie-up 2016-08-31T04:00:00Z The online savings bank and Marcus are Goldman’s way of making use of the bank holding status that the company was forced to acquire during the financial crisis. Meet Marcus, Goldman Sachs’s Online Lender for the Masses 2016-08-18T04:00:00Z Out of more than 50 small savings banks in Spain, known as cajas, Ontinyent is one of only two that survived the country's banking collapse of recent years. Stay local, act fast: tiny Spanish bank offers survival manual for Italian peers 2016-07-27T04:00:00Z The cost of moving such large sums in secure transport ultimately prompted Germany's regional savings banks to decide against storing cash. Exclusive: Commerzbank considers hoarding billions to avoid ECB charges - sources 2016-06-08T04:00:00Z Schools were encouraged to teach their pupils to save with the introduction of a schools savings bank. 'Thriftiness is sexy': exhibition examines Germans' mania for saving 2018-03-27T04:00:00Z "Recent demands for fundamental consolidation among banks are not appropriate," savings bank association head Georg Fahrenschon told the conference, noting bigger banks had shown they could be "poison" for financial market stability. Deutsche Bank, Commerzbank held talks about tie-up 2016-08-31T04:00:00Z The cottage where he opened his savings bank - initially for one hour a week on a Thursday evening - is maintained today as a museum. Savings bank founder Henry Duncan play premieres in Ruthwell - BBC News 2016-05-26T04:00:00Z Mr. Schopp says he left a career with a German savings bank to attend the Bundesbank academy because “I want to help maintain stability.” Germany’s School for Central Bankers Draws Risk-Averse Crowd 2016-05-10T04:00:00Z “It would be significantly more expensive for banks and savings banks to store lots of smaller bank notes, ” Mr. Fuest said. Europe to Remove 500-Euro Bill, the ‘Bin Laden’ Bank Note Criminals Love 2016-05-04T04:00:00Z Local savings banks, or sparkassen, were used by municipal authorities to help fund the new Germany’s infrastructure. 'Thriftiness is sexy': exhibition examines Germans' mania for saving 2018-03-27T04:00:00Z Germany’s hundreds of small savings banks struggle in a low-rate environment because regulations bind them to a simple business model of taking deposits and lending locally. Mario battles the Wutsparer 2016-04-28T04:00:00Z Ms Hastings said there was another benefit of using the savings bank which proved popular. Savings bank founder Henry Duncan play premieres in Ruthwell - BBC News 2016-05-26T04:00:00Z The idea of Goldman as a savings bank and lender to the masses may seem somewhat incongruous, but GS Bank and Mosaic are not its first forays into the finances of the 99%. From the 1% to $1 2016-04-28T04:00:00Z The financial crisis revealed murky links between politicians, collapsed construction firms and failed savings banks; many of the local PP’s former leaders now face court cases. Stuck in the centre 2016-03-23T04:00:00Z A poignant exhibit that shows how the regime’s pernicious antisemitic ideology deeply infected savings culture is the savings book given to the Jewish baby Gabriele Samson in May 1933 by her parents’ savings bank. 'Thriftiness is sexy': exhibition examines Germans' mania for saving 2018-03-27T04:00:00Z Bankia, once one of Spain's top savings banks, reported a 309 million euro profit for 2011 but months later changed that to a 3 billion euro loss. Spain's Bankia to pay back thousands of small shareholders the money they invested before 2012 bailout 2016-02-17T05:00:00Z A play on the life of the Dumfriesshire minister who started the world's first savings bank is being premiered in the church where he preached. Savings bank founder Henry Duncan play premieres in Ruthwell - BBC News 2016-05-26T04:00:00Z In Germany, private banks have trouble competing profitably with savings banks, which are typically controlled by local governments content with meager earnings. With Shares Plunging, Deutsche Bank Sets Out to Prove It Can Be Fixed 2016-02-11T05:00:00Z Japan Post’s savings bank holds the equivalent of more than $1.4 trillion of deposits, making it one of the world’s biggest financial institutions. Japan Post in Strong Stock Market Debut in Tokyo 2015-11-03T05:00:00Z The Japanese government is selling 11 percent of Japan Post in three separate stock offerings for the parent company — which operates the mail-delivery system — the savings bank and the insurance businesses. Media Earnings, Yellen’s Testimony and the Jobs Report 2015-11-01T04:00:00Z Now the nation’s seventh-largest savings bank, it built its business on traditional mortgages and prided itself on its old-fashioned feel. ‘Redlining’ Home Loan Discrimination Re-emerges as a Concern for Regulators 2015-10-30T04:00:00Z Germany’s savings banks, which hold a big slice of the country’s retail banking market, were quick to reject the commission’s plans. EU to Create Fiscal Board to Advise on Budget Policies 2015-10-21T04:00:00Z I see no reason at all why there cannot be savings banks paying interest at a pace or in excess of inflation. Fed Leaves Interest Rates Unchanged 2015-09-17T04:00:00Z He used the analogy of a savings bank. Las Vegas, Los Angeles-area agencies ink water-for-cash deal 2015-09-16T04:00:00Z Facing a capital crunch in 2013, the small private savings bank sold €200 million of participation units—shares issued by a mutual association. In Southern Europe, Bank Share Sales Can Hit Depositors Hard 2015-08-09T04:00:00Z In an outcome typical of Spain’s financial crisis, the biggest creditors are savings banks who are owed €233m. Welcome to Don Quixote airport: cost of building €1bn, sold to China for €10,000 2015-07-17T04:00:00Z The head of Germany's savings bank association said Greece had broken with the rules of the euro zone and should leave the currency bloc. German calls for Grexit mount as EU stunned by 'No' vote 2015-07-05T04:00:00Z Luxembourg owns a 39 percent stake in Luxair, with Luxembourg's state savings bank holding almost 22 percent and private bank BIL holding just over 13 percent. Lufthansa eyes sale of Luxair stake 2015-07-01T04:00:00Z Q: You couldn't do much with mutual savings banks? Robert Kennedy Speaks His Mind in 1963 2015-06-05T04:00:00Z The Kansas savings bank has been cut out of the tractor lending business. The long odds of starting a local bank: Recession, interest rates deplete ranks 2015-03-27T04:00:00Z Owned by the federal states, sometimes in conjunction with local public savings banks, they pride themselves on lending to Germany’s famous Mittelstand industrial companies. Lost a fortune, seeking a role 2015-01-08T05:00:00Z The cash lines have typically formed in front of cash machines belonging to state savings bank Oshcadbank, which handles pensions and social support payments. Cash cut to Ukraine rebel areas in risky strategy 2014-11-25T05:00:00Z Bankia, which was the result of a seven-way merger of savings banks, needed just over half of the €41 billion European bailout to stay afloat, after being nationalized in May 2012. For Spanish Lenders, What a Difference Two Years Make 2014-10-27T04:00:00Z Christina Collins is an Insurance Agent of NM and a Representative of Northwestern Mutual Wealth Management Company, a subsidiary of NM and limited purpose federal savings bank. Northwestern MutualVoice: Living A Dream Retirement: One Couple's Story 2014-10-20T04:00:00Z Dozens of executives and board members of former Spanish savings bank Caja Madrid are being investigated over the alleged use of company credit cards for personal expenses. Spain to probe blue-chip firms over possible credit card misuse 2014-10-03T04:00:00Z The financial crisis brought most of the country’s 45 cajas—regional savings banks with a commitment to social welfare—to their knees. Now, make money 2014-09-18T04:00:00Z The IMF and the EU pushed Spain effectively to do away with the savings bank model after the country was forced into a 41.3 billion euro bailout due to their property losses. European stress tests to challenge banks' political defences 2014-09-16T04:00:00Z The banking crisis in Spain mostly affected the savings banks, or cajas, that led reckless property lending during the construction boom, in part under the pressure of politicians who sat on their boards. For Spanish Lenders, What a Difference Two Years Make 2014-10-27T04:00:00Z They’d met in the aftermath of the savings and loan crisis when the federal government established the Resolution Trust Corp. to sell bad mortgages and other squirrelly securities it inherited from failed savings banks. Blackstone's $26 Billion Hilton Deal: The Best Leveraged Buyout Ever 2014-09-11T04:00:00Z Catalunya, based in the northeastern region of Catalonia, resulted from the merger of three smaller savings banks, or cajas, that were severely hurt by the 2008 bursting of Spain’s construction bubble. Spain Sells Catalunya Banc to BBVA for $1.6 Billion 2014-07-22T04:00:00Z Real estate developers teamed up with local savings banks to borrow and build over and over again. Global Investors Looking for Real Estate Bargains Flock to Spain 2014-05-29T04:00:00Z Bankrate.com said its survey of 100 leading commercial banks, savings and loan associations and savings banks showed the annual percentage yield available on money-market accounts was unchanged from the week before at 0.11 percent. Money-fund assets rise, yields are mostly flat 2014-05-29T04:00:00Z They get their financing from pawn shops and payday lenders and resort to extreme measures like using the local GameStop as a savings bank. Why Kids in Kansas May Learn How to Shake Hands but not How to Save and Invest 2014-03-22T14:38:02Z Formed through the merger of seven savings banks in 2010, Bankia was crippled by soured property investments and rescued in mid-2012, less than a year after listing on Madrid's stock exchange. Spain's Bankia tests turnaround at shareholder meeting 2014-03-21T00:02:56Z Then Bankia - created in 2010 through the merger of seven regional savings banks - struggled to attract commitments from professional investors. Soros, foreign funds back Bankia stake sale: source 2014-03-03T19:30:54Z And a survey by German savings banks last year showed that one in two Germans now see investing in property as the best way to secure their financial future. Rock-bottom rates convert German savers to spending 2014-02-23T11:07:24Z All that ended last year, when junior creditors in Spanish savings banks took heavy losses, whittling the country's tab for the bailout to €40 billion from €50 billion. Holes Are Seen in Europe Rescue Net 2013-12-20T14:25:42Z A real estate bubble burst in 2008, causing mass unemployment and a spate of savings bank failures. Merkel tried to bounce Spain into IMF bailout: ex-PM 2013-11-25T07:34:53Z That would exclude smaller German savings banks, known as Sparkassen, from the remit of a European - rather than national - agency, officials said. Berlin committed to European banking union solution -German finance minister 2013-10-12T03:16:12Z Germany’s banks—the local savings banks and co-operatives that fund many traditional companies—are hesitant to lend to untested digital entrepreneurs. Business creation in Germany: A slow climb 2013-10-03T09:18:17Z For the municipality-owned savings banks, they provide wholesale banking services and investment products to sell on to customers. The Landesbanken: Inside Germany's trillion euro banking blind spot 2013-09-17T07:13:47Z Its refocused core business includes a regional corporate bank, lending for real estate, energy and infrastructure and some shipping business, and serving the savings banks. The battle to secure German shipping lender HSH 2013-09-17T05:13:28Z The banks which will survive going forward are either regional lenders, such as German savings banks, or banks with focused business models and a global presence, he said. Deutsche Bank's Jain says more industry consolidation inevitable 2013-09-04T09:17:00Z In Tempo is now the responsibility of Sareb, which Spain set up to consolidate toxic assets of its bankrupt savings banks. In tempo: towering testament to madness of Spain's construction boom 2013-07-17T17:01:32Z But others accuse Spain’s savings banks of fraud, by taking advantage of their most vulnerable customers when they already knew they were in trouble and facing possible bankruptcy. Spaniards Fight to Get Savings Back 2013-07-09T02:58:27Z Elmwood Park-based First Security Trust & Savings Bank lost money in the first quarter, at a time when about 8 of 10 Illinois savings banks were profitable. Blackhawks owner's bank on surer footing, official says 2013-07-05T05:00:00Z Spanish banks are reinforcing their capital after a property market bust hurt many of the nation's smaller commercial and savings banks to collapse. UPDATE 1-Caixabank may sell 10 pct of Mexico's Inbursa 2013-05-23T07:31:50Z But experts say that the concentration of power in the hands of regional and municipal officials and their ties to the local savings banks created ideal conditions for corruption in the construction boom years. In Lean Years After Boom, Spain’s Graft Laid Bare 2013-05-04T23:55:44Z In the US, mutual savings banks see their customers as "members" but they don't allow them a say in what goes on. Nudged out: this is mutualisation, but not as we know it 2013-05-03T19:00:01Z But its biggest problems arose from the collapse of Spanish savings banks, which triggered the need for European aid and fears that Spain itself would need a full sovereign bailout. Insight: Failure of Spain's Pescanova lifts lid on culture of secrecy 2013-04-26T06:06:29Z But armed with the potential for vast leverage, they undercut traditional providers of longer-term funding such as savings banks and insurers. Rock Star Draghi Needs a New Song for Europe 2013-04-15T03:10:13Z We want to lend, but those that really need the funding are the SMEs that used to borrow from the savings banks. Small businesses spell big problems for Italy and Spain 2013-03-28T06:10:49Z It is entirely possible they will respond by shifting their savings into state or postal savings banks at the very least, even if outright bank runs are avoided. Savers across Europe will look on in horror at the Troika's raid on Cyprus 2013-03-17T17:06:28Z The savings bank he worked for became an ordinary bank and merged with several others. Spain's housing crisis – readers' panel 2013-03-11T09:00:03Z Sousa's loss of access to easy money was not the only consequence of the nationalization of the savings banks, which held as much as 30 percent of Pescanova. Insight: Failure of Spain's Pescanova lifts lid on culture of secrecy 2013-04-26T06:06:29Z The general perception is that only the local savings banks, now rapidly consolidating, suffered in the country’s property bust. Spanish business: Foreign gain, domestic pain 2013-03-07T16:08:25Z When Icesave, an online savings bank, went bust in the autumn of 2008 at the height of the international banking crisis, the UK government stepped in. Icelandic victory on Icesave cash 2013-01-28T12:36:42Z The probe centres around Bankia's stock market listing, the formation of the lender from the seven savings banks and the gaping capital shortfall revealed at the bank after the state takeover in May. Stung Bankia investors look to courts for justice 2012-12-30T10:49:48Z The measure will hit small investors drawn in by aggressive marketing just last year after Bankia was formed from a merger of provincial savings banks. Long-suffering Bankia shareholders set for more losses 2012-12-27T17:07:59Z The group's creditors include Spain's biggest banks as well as state bank restructuring fund FROB, which nationalized the Galician savings banks that lent Pescanova hundreds of millions of euros. Insight: Failure of Spain's Pescanova lifts lid on culture of secrecy 2013-04-26T06:06:29Z Bankia was the product of a merger of seven cajas, or savings banks, that was engineered as part of a government-directed consolidation of the sector. Former Top Banker Testifies in Spain 2012-12-20T20:51:37Z “Many of the more retail-oriented German savings banks and local cooperative banks are less stressed, although they, too, face growth and margin pressures,” Moody's said. Moody's Warns of Weakness in German Banking Sector 2012-10-19T10:45:29Z A source close to the court investigation said there would certainly be scope for a separate wider probe into the mis-selling of preference shares, not just at Bankia, but throughout Spain's savings banks. Stung Bankia investors look to courts for justice 2012-12-30T10:49:48Z Like the savings banks, Spain's regions are victims of the country's property boom and bust. Six burning questions for Spain 2012-09-26T23:00:42Z German state governments also are balking at giving the central bank oversight of their sparkassen — the hundreds of small and midsize savings banks that do much of the lending to consumers and small businesses. News Analysis: No Easy Answers on How to Fix the Banks in Europe 2012-09-16T20:49:05Z One of the thorniest questions for the commission is how many banks the E.C.B. will oversee, and whether those banks will include politically sensitive lenders like savings banks in Germany. European Commission Sets Sept. 11 to Propose New Bank Regulation 2012-08-24T21:24:31Z That changes over time—and generates unexpected surprises, such as the recent emergence of Spanish savings banks as institutions integral to the stability of the euro-zone financial system. Refitting ECB for Supervisor's Role 2012-08-10T13:27:38Z Two of the troubled savings banks were Solomon Savings Bank, which was shut two months ago, and Mirae Savings Bank. S Korea's Lee in national apology 2012-07-24T07:24:23Z In 2009, La Mancha's savings bank became the first of many regional banks to be rescued by Madrid, after it was sunk by bad loans to property developers. How Spain's regions got into trouble 2012-07-23T18:16:38Z Little of that was reflected in the various EBA stress tests or the capital increases because the institutions involved were smaller savings banks that were not included in the EBA analyses. Euro banks pass capital test, sort of 2012-07-11T22:06:00Z It remained unclear exactly how much money Spanish savers who invested billions of euros in preference shares issued by savings banks will lose as a result of the bailout agreement. Mariano Rajoy announces €65bn in austerity measures for Spain 2012-07-11T12:45:06Z As Lee Sang-deuk arrived in court, angry depositors who lost money when the savings banks were suspended hurled eggs at him. S Korea leader's brother arrested 2012-07-11T06:04:13Z Many of them were so-called savings banks, which were created following the 1997 Asian financial crisis. S Korea's Lee in national apology 2012-07-24T07:24:23Z Like the regional savings banks, they are victims of the country's property boom and bust. How Spain's regions got into trouble 2012-07-23T18:16:38Z The lender is a mutual savings bank with $1.5 billion in assets and no direct owners. Analysis: Ranks of tight-fisted community banks surge 2012-07-09T05:04:58Z “What’s important is that this agency ends the inadequate examination of lenders, from national champions to small savings banks, due to factors like local resistance and political interference.” Doubts Greet Plan for Euro Zone Bank Regulator 2012-07-01T21:46:32Z In 2003, Sparkasse Bank, a savings bank, attempted to shut down the party's bank account, but was overruled by the Federal Court. German far right in legal battle over free speech 2012-06-29T16:19:21Z Regulators allowed private lenders and rural cooperatives to call themselves “savings banks” in 2001 to boost confidence in the usually tiny, regional lenders. A Crisis Cripples South Korea's Savings Banks 2012-06-21T23:10:01Z A man walks past graffiti on the wall of savings bank Cajastur in Madrid on 26 June. Spain and Italy suffer new economic setbacks 2012-06-26T17:58:30Z "This is going to put pressure on other savings banks, including La Caixa's industrial empire." Bank bailout to spark firesale of corporate Spain 2012-06-26T10:12:04Z A great deal of the lending was by Spain’s unlisted regional savings banks, or cajas. The Spanish bail-out: Going to extra time 2012-06-14T09:17:36Z The problem in the Spanish banking system was supposedly confined to the Casa – or savings banks. Why Is The EU's Spanish Bailout Beginning to Unravel? 2012-06-11T18:31:46Z More than 88,000 depositors and bondholders saw $857 million of their savings vanish in the failure of 20 savings banks. A Crisis Cripples South Korea's Savings Banks 2012-06-21T23:10:01Z The IMF said on Friday that Spain's former savings banks and some of its medium-sized commercial banks would jointly need at least €40bn. Hurried Spanish banking bailout fails to calm market nerves 2012-06-11T18:05:02Z Spain formally requested euro zone rescue loans to recapitalize debt-laden former savings banks on Monday, but those who receive funds will be subject to European Union state-aid rules that include selling equity assets. Bank bailout to spark firesale of corporate Spain 2012-06-26T10:12:04Z Spanish banks, specifically the savings banks, are collapsing because of greed, corruption, and denial. Spain Sugarcoats $125B Bailout 2012-06-11T08:45:00Z But his government was caught flat-footed by the problems at Bankia, the largest of several savings banks saddled with unbearable mortgage losses after the construction bubble burst. Mariano Rajoy of Spain Steps Up in Debt Crisis 2012-06-10T23:36:20Z South Korea’s savings bank industry was born in the aftermath of Asia’s 1997-98 financial crisis. A Crisis Cripples South Korea's Savings Banks 2012-06-21T23:10:01Z CAM was nationalised and then sold for €1 to Banco Sabadell after receiving €3bn from Spain's bank restructuring fund – which now looks incapable of meeting the financing needs of other former savings banks. Spain's savings banks' culture of greed, cronyism and political meddling 2012-06-08T17:13:47Z Established centuries ago to help farmers in times of poor harvests, the savings banks developed strong regional and political identities in a closely intertwined corporate and banking culture of mutual backscratching. Bank bailout to spark firesale of corporate Spain 2012-06-26T10:12:04Z Among other costs that need absorbing by the savings banks that made up Bankia are a €6.2m payoff to one senior executive who helped drive the bank to disaster and €14m to another. Bank bailout makes Spaniards question their future as euro agonies mount 2012-06-02T23:06:32Z So why did the European Central Bank yesterday reject Spain's cunning scheme to recapitalise troubled savings bank Bankia using its own bonds? Eurozone crisis live: Spain under pressure as EU publishes report cards 2012-05-30T07:17:00Z The offering, which raised €3.1 billion, was strongly backed by the Socialist administration at the time, as part of its efforts to bolster the savings banks, or cajas, with more private capital. Spanish Borrowing Costs Rise on Bank Troubles 2012-05-28T19:00:50Z He said other board members at the savings bank based in Alicante, eastern Spain, included a checkout girl and a sociologist. Spain's savings banks' culture of greed, cronyism and political meddling 2012-06-08T17:13:47Z “The banks here are asked to provision more capital to guard against loan losses,” an official from CECA, the Spanish savings bank association, said. Small and Medium Businesses Suffer as Spain Bank Loans Shrivel 2012-05-26T18:55:20Z Bankia was created in 2010 from the merger of seven struggling regional savings banks. Spain's Bankia needs 19bn euros 2012-05-25T19:15:09Z Bankia needs the cash to clean up the disastrous shotgun merger of seven cajas, or savings banks, laden down with €30bn of toxic real estate assets. Spain in recession: bank restructuring begins with £15bn bailout request 2012-05-25T18:50:16Z Such deposit migration is now happening in Spain as people move money from weak savings banks, called cajas, to stronger institutions with international reach, like Santander. In Spain, Bank Transfers Reflect Broader Fears 2012-05-25T02:18:32Z Loans to property developers are the biggest problem, with Bankia and other former savings banks laden by toxic assets that include unsold housing developments and worthless building land. Bailout bill for Spanish lender Bankia continues to soar 2012-05-24T23:29:08Z "That was the main reason for the rise of financial mutuals, mutual savings banks, and my favourites: credit unions," he says. Egypt's poor rely on Gameeya lending schemes 2012-05-24T23:00:39Z That was little consolation to 400,000 Spanish investors who were last year persuaded to buy shares in the new bank, which was created by the amalgamation of seven savings banks. Spain denies Bankia customers are rushing to withdraw funds 2012-05-17T19:55:36Z Bankia, a merger of seven savings banks and the largest property lender in Spain, is not Mr Rajoy’s only banking problem, but it is a good place to start. Spanish banks: A rude awakening 2012-05-10T09:32:37Z LONDON—Barclays PLC is launching an online savings bank in the U.S., the British lender's first foray into gathering deposits in the vast U.S. market. Barclays Plans U.S. Online Savings Bank 2012-05-07T00:22:15Z Many economists, however, consider that keeping afloat the most troubled savings banks, or cajas, will require fresh capital rather than more mergers and cost cutting. Spanish Banks Resist Idea of 'Bad Bank' Bailout 2012-05-06T20:22:44Z Spanish officials have shut down or forced the merger of most of the country’s “cajas” — the savings banks that lent heavily for real estate projects. Spanish banks ?vulnerable? and may need public help, says IMF 2012-04-25T22:09:00Z Joint stock bank assets exceeded 11 millions, liabilities 38 were nearly 7¾ millions, deposits exceeded 6 millions, and savings bank deposits were over 1 million. Our First Half-Century: A Review of Queensland Progress Based Upon Official Information 2012-04-22T02:00:09.320Z For the purpose of this training in saving, a toy bank may be procured; or he may be directed in depositing a small weekly sum in a penny savings bank. Farm Boys and Girls 2012-04-21T02:00:21.733Z This, taken in conjunction with the advance in trade and shipping, the diminution in emigration, and the prosperity of the savings banks, points to a favourable state in the condition of the people. Encyclopaedia Britannica, 11th Edition, Volume 13, Slice 5 "Hinduism" to "Home, Earls of" 2012-03-25T02:00:05.717Z He came to me month before last with a great story of promotion, big salary, and all his back funds tied up in a savings bank at Springfield. Ralph in the Switch Tower 2012-03-02T03:00:11.847Z Last year, for instance, Pichincha paid €5.5 million for a Latin American consumer credit portfolio from Bankia, one of Spain’s biggest savings banks. Ecuadorean Bank Finds a Niche With Emigrants in Spain 2012-02-24T16:41:06Z It has not been necessary to organize it as a full-fledged savings bank. The Romance of a Great Store 2012-02-20T03:00:21.577Z It argues that this shows that the property portfolio of Spanish savings banks is, on the whole, healthy. Spaniards fight housing evictions 2012-02-17T02:02:49Z He founded the first savings bank in France, and maintained a keen interest in it until his death in 1847. Encyclopaedia Britannica, 11th Edition, Volume 7, Slice 10 "David, St" to "Demidov" 2012-02-17T03:00:33.923Z Executives say they remain committed to Sovereign, which recently opened the door to potential acquisitions by converting to a bank holding company from a savings bank. European Banks Cling to U.S. Operations 2012-02-17T00:22:14Z The lender was formed in early 2011 following the 2010 merger of seven savings banks, and it listed on the Spanish stock exchange last summer. Bankia Sees No Merger Pressure 2012-02-10T23:00:01Z At the end of each day it transfers its funds, by means of a special messenger, to one of the largest of New York savings banks which handles the accounts directly. The Romance of a Great Store 2012-02-20T03:00:21.577Z Every human being who has a credit in the savings bank would lose just one-half. The Works of Robert G. Ingersoll, Vol. 8 (of 12) Dresden Edition?Political 2012-02-11T03:03:48.503Z In 1839, more than 100 of them had over $1,000 each in the savings banks, and pianos at their mess places. Principles of Political Economy, Vol. II 2012-01-25T03:00:34.150Z This small deposit was one of the first that I made, in this melancholy savings bank. Dealings with the Dead, Volume I (of 2) 2012-01-17T03:00:17.977Z The combined assets of the savings banks are less than 3 percent of the country’s financial assets, the Financial Services Commission said last year. Suspended Korean Savings Bank Chairman Found Dead in Seoul 2012-01-13T04:23:01Z The law does not permit a savings bank in the State of New York to open branches—else that would have been done at Macy's long ago. The Romance of a Great Store 2012-02-20T03:00:21.577Z At the time of her death she had a small sum in the savings bank; but she was alive to the snare of covetousness. The Pilot's Daughter an account of Elizabeth Cullingham 2012-01-12T03:00:15.090Z Here good repute and the possession of a considerable savings bank deposit were to be particularly considered. Principles of Political Economy, Vol. II 2012-01-25T03:00:34.150Z George did not write to Mr. Hunter returning thanks, but walked into the market town and opened an account with the post office savings bank by paying in the comfortable cheque. A Drake by George! 2012-01-09T03:00:22.163Z The caveat is that the big banks—the natural buyers of the large, weak savings banks, or cajas—are already short of capital. Spain?s banks: Horns of a dilemma 2012-01-05T16:00:47Z A bank focused on this area of business, as many of Europe’s smaller savings banks are, might thus only be able to borrow 60% of the value of its outstanding loans. European banks: Hose and dry 2011-12-28T16:03:36Z The proportion of money in savings banks in England and Wales has doubled; and that of paupers sank from 1 in 11 in 1842 to 1 in 37 in 1895. Liberty In The Nineteenth Century 2011-12-24T03:08:02.240Z The masons of Paris have the reputation of being the best patrons of the savings banks, and, on that account, are more exposed to being attacked by thieves than any other class. Principles of Political Economy, Vol. II 2012-01-25T03:00:34.150Z A savings bank in Osnabrueck, Wulff’s home town, issued the loan as a cashier’s check drawn on the Bundesbank, the German central bank, according to a Dec. 16 statement by Lehr. Merkel Backs German President as Scrutiny Grows of Business Ties 2011-12-19T17:01:23Z "She's making it, monsieur; she tells me that she takes thirty-six francs to the savings bank every month." Fr?d?rique; vol. 1 2011-12-19T03:00:39.830Z Why, by putting that sum in the savings bank at once, one would have a little income, which would keep increasing. Fr?d?rique; vol. 2 2011-12-19T03:00:37.437Z The old stocking-foot, which had been her only possible savings bank all the years of her thrifty widowhood, lay, with her limp hand, in her lap, in a corresponding state of collapse. The Making of William Edwards or The Story of the Bridge of Beauty 2011-12-07T03:00:17.867Z Covered bonds fund about one-fourth of mortgages, with savings bank and credit cooperative loans funding most of the remainder. Danish Housing Bubble Prompts Industry to Look to German Model 2011-11-30T00:38:32Z Let us nail it to our radical program that the postal savings bank is to fight for business, just as do the private banks, and lend its funds direct to the people on good security. The Book of Life 2011-11-25T03:00:13.343Z Bankia was formed from the merger of seven savings banks led by Caja Madrid. Spain Seizes Banco de Valencia, to Inject 1 Billion Euros 2011-11-22T04:04:45Z Spain’s new government will also find itself under pressure to overhaul Spain’s rigid labor rules and its banking sector, particularly cajas, or savings banks, crippled by excessive lending to the construction sector before its collapse. Spanish Vote Turns Power to Conservatives 2011-11-20T23:02:34Z A form of the savings bank established in the United States in 1911 is the postal savings bank, in which the post-office is made the depository for savings. Business English A Practice Book 2011-11-19T03:00:25.507Z The next government will be under pressure for a more forceful overhaul of Spain’s banking sector, particularly cajas, or savings banks, crippled by excessive lending to a collapsed construction industry. Socialists Brace for Resounding Loss in Spain 2011-11-17T22:30:50Z Although savings banks only account for only 2.8 percent of the overall financial industry, their debt debacle outraged thousands of depositors and led to a wider crackdown on corruption in the sector. Woori, Shinhan battle for troubled Tomato Savings Bank 2011-11-17T06:21:18Z I can’t stop to explain it all now, but when people put money in a savings bank a certain sum is paid to them each year. Three Little Women A Story for Girls 2011-11-17T03:00:30.707Z What are the advantages of a postal savings bank system? Government in the United States National, State and Local 2011-11-16T03:00:28.590Z Postal savings banks are practically absolutely safe, because, if the bank which takes care of the funds should fail, the bonds may be sold, so that the savers will receive their money. Business English A Practice Book 2011-11-19T03:00:25.507Z Spain also secured a Chinese pledge to invest in the nation’s savings banks and in government debt earlier this year. CIC’s Gao Says Harder to Dump Holdings as Markets Integrate 2011-11-15T19:50:30Z The statistics of the savings banks show an ever-growing determination to save. Morals and the Evolution of Man 2011-11-14T03:00:18.930Z The fund is using 7.55 billion euros of public money in the latest round of recapitalization, after spending about 10 billion euros buying preference shares in a first attempt to bolster savings banks. Spanish Banks May Face PP Drive to Spur Asset Sales, Nadal Says 2011-10-25T23:52:52Z “If the new government removes the governor, I think it will be cheered by the commercial banks and spark some fear among the savings banks,” said Mr. Arenzana, the portfolio manager. Criticism of Spain's Central Bank Grows Along With Chance of Recession 2011-10-20T20:20:43Z Savings Banks A savings bank accepts from its depositors small amounts of money which are not subject to withdrawal by check, but on which it pays a low rate of interest. Business English A Practice Book 2011-11-19T03:00:25.507Z His advocacy here of common schools was a part of his great desire to see the South rebuilt, and so was his proposal of savings banks. The Rise of Cotton Mills in the South 2011-10-19T02:00:21.010Z Class 8, “deposit friendly societies,” combine the characteristics of a savings bank with those of a friendly society. Encyclopaedia Britannica, 11th Edition, Volume 11, Slice 2 "French Literature" to "Frost, William" 2011-10-14T02:00:26.280Z Spain's ailing savings banks are in the process of recapitalizing, in line with tough new requirements set down by the central bank. Spain's Popular says Pastor buy premium justified 2011-10-10T13:23:02Z She also said the central bank should bear responsibility for the “unethical” behavior of some managers of the collapsed savings banks, known as cajas. Criticism of Spain's Central Bank Grows Along With Chance of Recession 2011-10-20T20:20:43Z The Spanish Banking Association signaled its opposition to using funds raised by commercial lenders’ contributions to pay for losses created by savings banks. Spain Makes Banks Pay for Cajas’ Overhaul to Shield Budget 2011-10-06T15:32:01Z On September 30th the state took over three savings banks, or cajas, valuing their equity at close to zero. Spain?s banks: Bring out your dead 2011-10-06T09:48:10Z Funcas, the research arm of the Spanish savings bank association, on Sept. Santander CEO, Chairman May Face Grilling on Capital, Loan Woes 2011-09-27T22:22:02Z The man jumped as prosecutors, police and bank regulators raided seven savings banks, including Jeil. South Korean Bank Chief Apparently Kills Himself, Police Say 2011-09-23T10:24:09Z There's what he had in the savings bank—about four thousand dollars, the executor writes. Rough-Hewn 2011-09-20T02:00:15.147Z The institutions will be offered for sale or their operations transferred to state-controlled savings banks should they fail to improve finances and bolster capital within 45 days, the statement said. Seven Korean Banks Suspended 2011-09-18T06:58:01Z Our philosophy is that we are a savings bank; we are rate payers. Bank deposits soar despite rock-bottom interest rates 2011-09-18T01:08:00Z The commission said in a statement the decision was a result of its review of 85 savings banks to identify which ones are viable. South Korea suspends 7 more ailing savings banks 2011-09-18T06:00:01Z Spain’s prime minister secured a Chinese pledge to invest in his nation’s faltering savings banks and in government debt on an April visit to Beijing. China Called on as Lender of Last Resort as Italy Faces Crisis 2011-09-13T05:54:01Z Well, I know that two or three of you opened small accounts in a savings bank. Brenda's Bargain A Story for Girls 2011-09-09T02:01:09.477Z South Korea suspended nine savings banks earlier this year after their finances deteriorated because loans for construction projects went bad. Seven Korean Banks Suspended 2011-09-18T06:58:01Z The post office savings bank was not in operation prior to Confederation. The History of the Post Office in British North America 2011-08-31T02:01:37.743Z The savings bank industry, which consists of 105 small lenders, is struggling with an increasing number of real estate loans not being repaid as property prices fall. South Korea suspends 7 more ailing savings banks 2011-09-18T06:00:01Z In three months she had ceased to pay rent for furniture; she had bought and paid for it, and was making weekly deposits of little sums in the savings bank. Hot corn: Life Scenes in New York Illustrated 2011-08-31T02:01:20.473Z The most pressing problems are Spain’s cajas, or savings banks, and those Italian lenders that barely scraped through Europe’s latest stress tests. Reuters BreakingViews: Five Steps to Solving Europe?s Debt Crisis 2011-08-21T23:57:19Z The financial watchdog in July began assessing 85 savings banks to determine if they are sound enough to receive government aid or should be sold. Seven Korean Banks Suspended 2011-09-18T06:58:01Z Her criticisms were directed at Caja Madrid, a leading savings bank that is one of the corporate sponsors of World Youth Day. Pope Opens 4-Day Visit to Madrid With Focus on Youths 2011-08-18T11:50:14Z At that time a new savings bank was opened at Columbia Avenue, two squares from the Temple, and President Cummings, head of the bank, offered to assist the church in any safe way. Health, Healing, and Faith 2011-07-31T02:00:09.737Z Bankia, formed from the merger of seven savings banks, was also seen as a key test of Spain's overhaul of its banking sector. Dealtalk: Spain's Bankia float defies odds in market storm 2011-07-22T14:35:33Z A banker a short time ago prophesied that upon the conclusion of this war the savings banks would receive far larger deposits than had ever been the case before. Religion and the War 2011-07-18T02:00:22.307Z Those banks and savings banks are all working on raising capital either privately or from government investment. Spanish bank IPOs threatened by worsening crisis 2011-07-12T13:02:34Z Six Spanish banks have failed the European stress tests, including five savings banks and one medium-sized bank, ABC newspaper said Tuesday, citing unnamed sources. Europe banks hit as Italy stokes contagion fears 2011-07-12T10:28:06Z When he asked for the money, his stepmother answered that she had put it away in the savings bank. A Book of Ghosts 2011-07-08T02:00:19.203Z While it was probably among the toughest market conditions to float Spain's largest savings bank, there was never much likelihood the deal would be postponed until later in the year. Dealtalk: Spain's Bankia float defies odds in market storm 2011-07-22T14:35:33Z IT IS a bad time to be listing one of Spain’s largest savings banks, or cajas. Bankia's IPO: Float hopes 2011-06-30T11:26:10Z MADRID—D-Day for Spain's battered financial sector looks set to be July 20, with the crucial stock market debuts of two groups of recently merged savings banks. Spanish Lenders Aim to List on July 20 2011-06-29T17:34:04Z He said in April that China would invest in Spain’s bonds and savings bank industry and that it would continue buying public debt. Wen Says China Is Long-Term Investor in Europe Bond Markets 2011-06-27T03:19:39Z In May it shelved efforts to find a buyer for the whole company and said it would sell assets and shrink into a Verbundbank, a regionally focused lender that serves savings banks. Apollo Is Said to Be Final Bidder for WestLB’s WestImmo Unit 2011-06-23T18:07:37Z They unloaded savings banks they owned as a preemptive strike against tougher federal supervision. Too Big to Fail, or Too Trifling for Oversight? 2011-06-12T00:17:38Z Bankia, the lender formed by a merger of seven savings banks led by Caja Madrid, plans to raise as much as 4 billion euros in an IPO next month. Telefonica Gets Orders for 97% of Atento IPO as Sale Goes On 2011-06-10T17:23:52Z "It seems contradictory that they are laying off a lot of employees and closing branches in Spain and yet could be looking to buy a savings bank," said one Madrid-based banker. Dealtalk: Barclays may sense chance to bolster Spanish presence 2011-06-03T13:04:22Z Hypo Real Estate failed last year’s stress test together with ATEBank of Greece and five Spanish savings banks. Stress Tests Results for European Banks to Be Delayed 2011-06-02T12:38:46Z Relatives of managers at the targeted savings banks also tried to persuade him to call off the inspection, the prime minister said. Korean Regulator Attacked as Pressure Grows for Bank Probe 2011-06-02T07:15:29Z Ruling and opposition lawmakers agreed on May 30 to conduct a parliamentary probe into savings banks amid growing speculation that regulators overlooked the lenders’ illicit activities. Korea Regulator Attacked as Pressure Grows for Probe Into Banks 2011-06-02T03:50:29Z The franchise was also to be extended to persons having £50 in the funds or £50 in a savings bank for a year. The Real Gladstone an Anecdotal Biography 2011-05-29T02:00:07.883Z Listen to what happened: I provided savings banks, the children conserved their resources, saved their wealth and then somebody came and stole the banks! Proceedings of the Second National Conservation Congress at Saint Paul, September 5-8, 1910 2011-05-07T02:00:26.100Z Earnings growth at South Korean lenders may be curtailed in 2011 on costs tied to ailing construction companies and savings banks. South Korean Banks’ Profit Climbs 1.2% on Non-Interest Income 2011-05-02T23:26:32Z The ruling Grand National Party yesterday proposed a probe by an independent counsel into savings banks amid growing speculation that regulators overlooked illicit activity at the lenders. Korean Regulator Attacked as Pressure Grows for Bank Probe 2011-06-02T07:15:29Z South Korea suspended eight savings banks this year after their finances deteriorated because of bad loans they extended to fund construction projects. Korea Regulator Attacked as Pressure Grows for Probe Into Banks 2011-06-02T03:50:29Z And, by the way, the savings banks pay 4 per cent. Abroad at Home American Ramblings, Observations, and Adventures of Julian Street 2011-04-27T02:00:23.800Z One-half the population are depositors in the savings banks, with an average deposit of $154. Proceedings of the Second National Conservation Congress at Saint Paul, September 5-8, 1910 2011-05-07T02:00:26.100Z "It pays better than the savings bank, anyway," said Cilia, when he grumbled. Dry Fish and Wet Tales from a Norwegian Seaport 2011-04-24T02:00:08.440Z The Bank of Spain is set to pass judgment on savings banks' plans to raise capital later, giving investors a clearer picture of how the regional banks plan to plug their funding gaps. Euro zone hit by Greek restructuring worry 2011-04-14T11:40:39Z In opposition, Vince Cable, now the business secretary, called for investment banking "casinos" to be split off from retail savings banks to avoid the need for another multi-billion pound bailout. Bank share reaction shows the Vickers report could have been worse 2011-04-11T09:19:59Z Finance chiefs sent a more positive message on Spain, praising its austerity measures and cleanup of savings bank debt. Germany Warns on Greek Debt, Defying Efforts to Snuff Out Crisis 2011-04-10T23:36:30Z The UK and the Netherlands say they are owed the money following the collapse of Icelandic savings bank Icesave. UK and Netherlands to sue Iceland 2011-04-10T13:08:14Z The E.B.A. definition appeared to exclude so-called silent participations by other shareholders, such as the savings banks who provide a significant amount of the funds that many landesbanks use to meet capital requirements. European Bank Stress Tests to Hit German Banks Hard 2011-04-08T11:57:55Z Restructuring of the is prone to hiccups, as the recent break-up of Banco Base, a planned merger of four savings banks, shows. Portugal seeks help: And then there were three 2011-04-07T10:58:14Z Silent participations are funds that Germany’s Landesbanken receive from savings banks and regional governments. Stress Tests Must Focus on High-Quality Capital, Enria Says 2011-04-07T09:53:11Z Silent participations are funds the Landesbanken received from their owners, savings banks and state governments, and that confer no voting rights and are counted toward reserves. German State Banks Protest Capital Exclusion in Stress Tests 2011-04-06T16:30:17Z Spain is struggling to restructure its savings banks after a property-market slump left many with surging bad loans. Spain’s Deficit Fight Risks Setback as Zapatero Quits Election 2011-04-03T22:56:58Z The authors warned that problems in the landesbanks threatened the hundreds of savings banks, or sparkassen, which dominate consumer banking in Germany and are crucial to the economy. German Banks Are Critical of Tough Standards for Stress Tests 2011-04-03T18:50:15Z Lenders including Bankia, the entity emerging from the combination of Caja Madrid and six other savings banks, and Banca Civica say they will use share listings to raise the capital they need. Spanish Caja Merger Collapse May Scare Off Potential Investors 2011-03-31T22:50:15Z La Caixa, one of Spain’s largest savings banks, is pioneering the use of land for affordable housing. Spanish banks: Hard landing 2011-03-31T10:44:34Z The Banco Base members were the only savings banks of the 40 involved in mergers that hadn’t yet approved the process. Spanish Cajas Block Merger, Forcing CAM to Seek State Rescue 2011-03-31T07:17:08Z Immigrants are harder hit by unemployment than native Spaniards, though many may now be working in a black economy that accounts for 17% of GDP, according to the savings bank foundation Funcas. Spain's lost generation of graduates join wave of migrants in search of jobs 2011-03-28T06:00:11Z Nowhere in the country are the people's savings and insurance more zealously guarded than by Massachusetts, and here again she is leading the way in the savings bank life insurance legislation. Anti-Suffrage Essays 2011-03-28T02:00:24.710Z Monday is the deadline for Spain's regional savings banks or "cajas" to tell the Bank of Spain how they will boost capital reserves to meet the new minimum levels set by the government. Portugal under heavy EU pressure to seek financial aid 2011-03-27T17:14:50Z Spanish banks, especially the embattled savings banks, are being closely monitored as part of a recent consolidation of the financial sector. Portugal's Government Collapses -- Will a Bailout Follow? 2011-03-24T09:15:00Z The Bank of Spain said earlier this month that it would cost 15 billion euros to shore up ailing cajas, or savings banks. EU package unlikely to prevent Portugal bailout 2011-03-23T13:35:21Z The report was sponsored by German savings banks, who co-own the country's seven landesbanks, all of which bar one turned to the state for help in the financial crisis. Special Report: How lobbyists rewrite Europe's laws 2011-03-18T09:03:53Z “The stress tests and the funding of the savings banks, especially in April when there is a spike in funding needs, is more of a risk.” Spain Sells Bonds in Test of Bailout Enlargement: Euro Credit 2011-03-17T00:17:58Z Parkinson’s 30 percent figure includes commercial banks and excludes thrifts and savings banks, Barbara Hagenbaugh, a Fed spokeswoman, said in an e-mail. Fed’s Parkinson Says 30% of Banks’ Ratings Unsatisfactory 2011-03-16T17:39:05Z The state is set to sell its roughly 50 percent stake to other landesbanks and savings bank organizations. WestLB remnant should merge with peer-banking group 2011-03-16T12:28:40Z There has been a dearth of workable concepts and a lack of effort on the part of the state governments and the regional savings bank organisations, which own the banks. Germany's banks still in dire straits 2011-03-15T17:45:00Z Banks, insurance, savings banks, and pawnshops are conducted by the state. Socialism and Democracy in Europe 2011-03-15T02:00:12.887Z To meet the new rules, eight savings banks and four other lenders must raise a combined 15.2 billion euros in new capital by September, the Bank of Spain said on March 10. Spain Sells Bonds in Test of Bailout Enlargement: Euro Credit 2011-03-17T00:17:58Z Italy’s foundations, partially run by local politicians, were created twenty years ago when the philanthropic arms of savings banks were split from their lending operations to pave the way for the industry’s privatization. Italy’s Banking Foundations Waver as Capital Boost ‘Unavoidable’ 2011-03-14T08:47:15Z According to the blueprint the core bank dubbed Verbundbank, that only caters to the savings banks, will be spun off, while the rest of WestLB's operations will be sold or wound down. WestLB remnant should merge with peer-banking group 2011-03-16T12:28:40Z Its primary purpose is to be the processing of payment transactions for savings banks. Germany's banks still in dire straits 2011-03-15T17:45:00Z The state in 1911 completed the taking over of all the telephone lines; it conducts an extensive postal savings bank and a parcels post. Socialism and Democracy in Europe 2011-03-15T02:00:12.887Z The level would be raised to 10 percent for cajas, or savings banks, that neither list their equity nor manage to sell 20 percent of their equity to private investors. Banks' Fragility Hovers Over E.U. Meeting on Debt Crisis Support 2011-03-11T20:29:38Z The exposure of Spanish savings banks to the real-estate and building industry amounts to 217 billion euros, the Bank of Spain said Feb. 21. Bank of Spain Sees $21 Billion Shortfall at Lenders 2011-03-11T00:03:08Z Moody's Investors Service cut Spain's sovereign debt rating one notch to Aa2 and warned of further downgrades, estimating that restructuring savings banks will cost more than double the government's 20-billion-euro forecast. Euro zone debt crisis intensifies on summit eve 2011-03-10T11:01:03Z The state, the federal government and the savings banks are jointly liable for unexpectedly high write-offs of securities held by the EAA. Germany's banks still in dire straits 2011-03-15T17:45:00Z Fitch Ratings said on March 4 it cut the outlook on Spanish debt to “negative,” saying the potential cost of rescuing its savings banks poses a risk to the economic recovery. Portugal Bonds Lead Drop Amid Concern Debt Crisis May Intensify 2011-03-07T11:30:03Z "The operation does not mean the modification of the alliance between the two groups, maintaining the reciprocal collaboration in their distribution networks," the savings bank said in a statement to the stock market regulator. Caja Madrid in talks with Mapfre on part stake buy 2011-03-05T14:03:03Z The savings bank notion has given us a lift, and I think that I have that there, which will keep me from being a burden to any one. Christmas Stories 2011-02-27T03:00:31.413Z The financial sector was dented by the Financial Services Commission's recent decisions to halt operations of a total of six savings banks for six months; KB Financial fell 2.4% and Woori Finance was off 2.8%. Asia Falls on Oil, Unrest 2011-02-21T05:24:01Z As part owners, the savings banks are partly liable for the mistakes of the state-owned banks. Germany's banks still in dire straits 2011-03-15T17:45:00Z The savings bank association pushed for more time. Spain Rules on Capital to Provide Boon for IPO Bankers, Lawyers 2011-02-20T23:08:22Z Combined assets at South Korea’s 105 savings banks totaled 86.5 trillion won as of September 2010, accounting for about 3 percent of total assets held by the country’s financial institutions, according to the FSC’s data. South Korea Suspends 4 Savings Banks for Six Months 2011-02-19T05:51:53Z Weighed down by bad property loans, the savings banks still must convince private investors to help improve their balance sheets. Spain Gives Savings Banks Six More Months to List Equity 2011-02-18T14:35:15Z WestLB shareholders, which include regional savings banks, will be expected to bear the cost rather than taxpayers, analysts said. For Germany?s Banks, a Grim Future 2011-02-16T20:12:24Z So far, however, the savings banks, with the support of politicians, have repeatedly managed to pass on most of the bailout costs to taxpayers. Germany's banks still in dire straits 2011-03-15T17:45:00Z Even with the extra time, the rush to complete mergers between many of the savings banks, known as cajas, reorganize them into commercial banks and persuade investors they are attractive investments may prove difficult. Spain Rules on Capital to Provide Boon for IPO Bankers, Lawyers 2011-02-20T23:08:22Z The plan submitted on Tuesday involves spinning off a core bank, dubbed Verbundbank, that only caters to municipally-owned savings banks, and selling or winding down the other units. UPDATE 1-EU to review WestLB revamp proposal 2011-02-16T15:25:57Z The German state owns roughly half of WestLB, while the other half is owned by regional savings banks. WestLB deal seen within reach as EU deadline looms 2011-02-15T12:23:32Z The German banking market is notoriously difficult because commercial banks must compete with the landesbanks, which are typically owned by state governments and local savings banks, and sparkassen, quasi-public thrift institutions that dominate consumer banking. For Germany?s Banks, a Grim Future 2011-02-16T20:12:24Z Dirk Schiereck, a finance professor who specialises in banks, believes the savings banks have a special obligation, because they did not prevent the state-owned banks from making faulty investments "and therefore failed miserably as owners". Germany's banks still in dire straits 2011-03-15T17:45:00Z Banca Civica, a grouping of four savings banks, said on Feb. 8 that it would seek to sell as much as 40 percent of the company. Spain Rules on Capital to Provide Boon for IPO Bankers, Lawyers 2011-02-20T23:08:22Z The rest of the shares of the new entity will be bought by other savings bank organisations or by other landesbanks -- roughly 25 percent by each of the two groups, sources said. UPDATE 1-EU to review WestLB revamp proposal 2011-02-16T15:25:57Z The bill also conferred the franchise on holders of a certain amount of stock, on depositors in savings banks, on graduates of universities, and on other persons qualified by position or education. Encyclopaedia Britannica, 11th Edition, Volume 9, Slice 5 English History 2011-02-12T03:00:32.473Z The government is pushing unlisted savings banks toward stock-market listings by setting stiffer capital requirements for unlisted lenders that aren’t at least 20 percent owned by private investors and that depend on wholesale financing. Zapatero’s ‘Epiphany’ Cuts Odds of Spain Bailout: Euro Credit 2011-02-11T07:25:44Z Immense sums of money have been put away in savings banks, and property in land is a noble feature of the wisdom of our people in the South. Project Gutenberg book of Historical Romance of the American Negro 2011-02-11T03:00:26.280Z The people who tend not to expect bailouts and oppose them run savings banks, credit unions and the smaller hedge funds. Wall Street Knows Meltdown Was Just Bad Dream: Simon Johnson 2011-02-07T02:03:40Z This Canadian list also includes navigation and shipping, savings banks, the criminal law and penitentiaries. The New Irish Constitution 2011-02-06T03:00:57.247Z It has special privileges, such as exemption from taxation and the employment of the branch offices of the state post-office savings bank as local offices. Encyclopaedia Britannica, 11th Edition, Volume 9, Slice 3 "Electrostatics" to "Engis" 2011-02-06T03:00:53.093Z A new seven-member bank headed by Caja Madrid hopes to list before the summer: as the largest savings bank by assets, it will be a litmus test of investor appetite. Spain's savings banks: Roll up, roll up 2011-02-03T11:11:23Z That helped maintain positive sentiment after the two largest of the privately held savings banks said in recent days they would seek to offload part of the financing burden onto stock markets via equity listings. Spain cajas clean-up, fundraising moves cheer mkts 2011-02-01T14:20:07Z This is beginning to happen as the savings banks report their 2010 results. Ma?ana? No such thing as Spain hurries caja reform 2011-02-01T12:20:14Z A savings bank is not a true bank of deposit, providing circulating credit. Readings in Money and Banking Selected and Adapted 2011-02-01T03:00:14.553Z To implement its merger with six other savings banks, Caja Madrid was granted 4.5 billion euros by the government's restructuring fund, the biggest loan made to any savings bank. UPDATE 3-Spain's Caja Madrid joins dash for bank capital 2011-01-31T15:16:54Z Only the strongest savings banks will survive in their present form, he warns. Spain's savings banks: Roll up, roll up 2011-02-03T11:11:23Z On Monday, the Spanish government said it would offer state funds to restructured savings banks as early as March rather than waiting until September to see if they find sufficient private financing. Support grows for lengthening Greek debt payback 2011-01-31T12:26:49Z For, we repeat, it must constantly be kept in mind as an aggravation of these wrongs, that life insurance companies and savings banks are essentially and professedly benevolent institutions. The Galaxy Vol. XXIII?March, 1877.?No. 3 2011-01-31T03:00:16.193Z In several countries there are state-owned savings banks, a large portion of the funds of which also go into land mortgages. Readings in Money and Banking Selected and Adapted 2011-02-01T03:00:14.553Z The Spanish government is rushing to shrink and fortify its network of savings banks known as cajas. Chinese Banks on the Prowl in Europe 2011-01-30T20:36:47Z The mostly unlisted savings banks, highly exposed to a crashed property market, were ordered on January 24 to raise core capital levels by attracting private investors by September or face state intervention. Spain to offer capital to savings banks from March 2011-01-30T11:20:19Z Spanish government bonds fell for the first week in three, widening the spread with bunds by 29 basis points, as a 20 billion-euro plan to shore up savings banks failed to convince investors. German 2-Year Yield Reaches 12-Month High on ECB Rate-Rise Bets 2011-01-29T19:53:36Z —For as to the business of life insurance, savings banks, and trust companies, it is somewhat more, or surely somewhat other, than mere business. The Galaxy Vol. XXIII?March, 1877.?No. 3 2011-01-31T03:00:16.193Z Q. It is customary in France for savings banks to carry their reserve with this establishment? Readings in Money and Banking Selected and Adapted 2011-02-01T03:00:14.553Z A gauge of European bank shares dropped 1.3 percent as a plan by Spain’s government to strengthen its indebted savings banks failed to convince investors. European Stocks Retreat as U.K. Economy Shrinks, Egyptians Riot 2011-01-29T01:24:06Z Many of the savings banks were expected to attempt to follow La Caixa's example in a quest to shore up core capital and avoid partial nationalization. Spain to offer capital to savings banks from March 2011-01-30T11:20:19Z The focus is now expected to turn to Caja Madrid, Spain's biggest savings bank by assets, which reports its annual results on January 31. La Caixa cheers investors with acquisition talk 2011-01-28T16:43:29Z But my guess is that they are a mighty prosperous lot and have money stuffed in the savings bank. The Car That Went Abroad Motoring Through the Golden Age 2011-01-27T03:00:39.880Z To an outsider it would seem that the savings bank depositor in Canada is not generously treated. Readings in Money and Banking Selected and Adapted 2011-02-01T03:00:14.553Z The higher level for unlisted lenders, which includes savings banks, known as cajas, is a further incentive for the regional lenders to seek private shareholders. Spain Says Some Savings Banks May Need 10% Capital 2011-01-26T13:55:29Z Strengthening the savings banks “should enable them to return to a more appropriate financial situation better suited to their traditional role, which is providing loans to the economy,” said Torres. Spain Bonds, Bank Shares Fall on Capital-Plan Concern 2011-01-25T13:02:03Z This compares with average analyst estimates of 50 billion euros for the savings banks alone. UPDATE 3-Spain's banks must boost capital or face gov't takeover 2011-01-24T20:31:04Z She said the government will work with the ailing savings banks in particular on the recapitalisation plan. Spain says banks need max 20 bln eur capitalisation 2011-01-24T17:52:51Z Large investors like life insurance companies, savings banks, fire insurance companies, guaranty companies, trust companies, demand as a prerequisite to purchase of securities that the underwriting house shall be represented on the board. Readings in Money and Banking Selected and Adapted 2011-02-01T03:00:14.553Z Flowers & Co., a U.S. buyout firm that agreed in July to buy 450 million euros of convertible bonds from Banca Civica, a grouping of savings banks, later put the talks on hold. Spain Bid to Lure Caja Investors ‘Impossible for Now’ 2011-01-21T16:26:01Z A source familiar with the matter told Reuters the government will force debt-laden savings banks to become conventional banks and seek stock market listings to persuade skittish investors that they are good investments. Spain plans partial nationalization of savings banks 2011-01-21T09:29:56Z The government will announce details of the recapitalization plan once the savings banks have laid out their full exposure to Spain's collapsed property sector in coming weeks, a government source said on condition of anonymity. Spain readying fresh bank funding plan: government sources 2011-01-20T12:39:34Z Fear that the savings banks can't raise funds on their own and will need a government bailout was one reason ratings agency Moody's put Spain's rating on review for a downgrade last month. Spain to Ramp Up Bailout of Banks 2011-01-20T02:10:13Z They have to compete with the savings banks. Readings in Money and Banking Selected and Adapted 2011-02-01T03:00:14.553Z The savings banks, or cajas, are regional institutions run as foundations that helped fund the property boom and account for about half of Spain’s loans. Spain Bid to Lure Caja Investors ‘Impossible for Now’ 2011-01-21T16:26:01Z Estimates of the cost to recapitalize the savings banks range from 17 billion to 120 billion euros, with consensus falling in the 25 billion to 50 billion range. Spain plans partial nationalization of savings banks 2011-01-21T09:29:56Z The unlisted savings banks account for around half Spain's financial system and were badly hit by a burst property bubble. Spain readying fresh bank funding plan: government sources 2011-01-20T12:39:34Z Madrid plans to publish this month an updated analysis of the banking sector, focused on the exposure of the savings banks, or cajas, to the collapsed construction industry. Spain Ready to Aid Savings Banks Again 2011-01-14T20:18:33Z The mutual savings bank is a product of the East and promises to remain so in spite of the fact that some of the Western states have very good, if not excellent, savings banks laws. Readings in Money and Banking Selected and Adapted 2011-02-01T03:00:14.553Z In our time we constantly have stories of large accumulations on the part of street beggars who own valuable property and have accounts in savings banks and the like. Education: How Old The New 2011-01-14T03:00:54.370Z The end of Spain’s 10-year real estate boom resulted in about 1 million unsold properties, leaving the savings banks, which account for almost half the nation’s lending, hobbled with bad loans. Spain Wins ‘Breathing Space’ From Portugal Auction: Euro Credit 2011-01-12T23:18:29Z Germany’s Hypo Real Estate Holding AG, Agricultural Bank of Greece SA and five Spanish savings banks failed the 2010 stress tests in July, which covered 91 banks. EU Is Said to Discuss Separate Tests on Bank Capital, Liquidity 2011-01-11T15:22:11Z As soon as they get into the habit of saving they usually transfer their accounts to the savings bank—and once with a bank book, they are on the road to genuine improvement. Following the Color Line an account of Negro citizenship in the American democracy 2011-01-06T03:00:45.737Z A comparison of the figures for the different sections and states shows that it is in the southern, western, and Pacific states that savings bank facilities are most lacking.... Readings in Money and Banking Selected and Adapted 2011-02-01T03:00:14.553Z Of course, some accumulate, paying in more than they withdrew, but in general such accounts are made with savings banks. The Value of Money 2011-01-04T03:01:12.363Z When she goes into service—which is often the case—every month, as she receives her wages, she quietly pays a little visit to the savings bank of the town. English Pharisees and French Crocodiles and Other Anglo-French Typical Characters 2010-12-20T17:12:04.833Z Meanwhile, the country's central bank is speeding up plans to force regional savings banks to provide more information on their loans and the amounts they need to borrow. Spain Acts to Calm Investors 2010-12-18T02:38:09Z The Bank of Spain has given savings banks until the end of the year to publish detailed statements of their accounts in an effort to combat uncertainty over possible losses. Spain bad loan ratio rises to near 15-year high 2010-12-17T13:03:52Z The distinction between mutual savings banks and state banks is clear. Readings in Money and Banking Selected and Adapted 2011-02-01T03:00:14.553Z Interest on deposits in mutual savings banks is contingent, legally, as to amount. The Value of Money 2011-01-04T03:01:12.363Z The ratings agency said the estimated capital needs were focused mostly on the country's unlisted savings banks. Moody's: Spanish Banks Need More Capital 2010-12-13T12:49:00Z Spain's regional savings banks, the cajas, are under pressure to come clean on their liabilities, and potential losses, on property loans. Pressure builds on EU leaders for more action on debt 2010-12-09T18:19:00Z But despite a forced consolidation of savings banks and higher provision requirements imposed by the central bank, investors remain nervous. Spain bad loan ratio rises to near 15-year high 2010-12-17T13:03:52Z The line of demarcation between state banks and stock savings banks is much less definitely marked. Readings in Money and Banking Selected and Adapted 2011-02-01T03:00:14.553Z The other items, however, are not much changed by the inclusion of savings banks and private banks. The Value of Money 2011-01-04T03:01:12.363Z An upbeat Sigfússon issued a notice saying negotiations over the debts of Icesave, the savings bank that went bust with billions of pounds of British and Dutch savers' cash, were nearing a conclusion. Iceland rises again as Ireland sinks 2010-12-08T20:33:00Z The operation is part of a debt refinancing agreement announced by the Spain's second-largest savings bank at the beginning of November. Spain's Caja Madrid refinances 3.9 bln eur of debt 2010-11-19T20:51:00Z To set up the trial – the biggest of several in Europe – Visa teamed up with Spanish savings bank La Caixa and mobile phone company Telefónica, owner of 02 in the UK. Mobile payments ? the new technology coming to the UK 2010-10-01T23:01:00Z Many have doubted, however, whether the banks could enforce the thirty and sixty days' notice of the withdrawal of deposits which, following the practice of regular savings banks, appeared on the passbooks issued to depositors. Readings in Money and Banking Selected and Adapted 2011-02-01T03:00:14.553Z It is particularly true of the higher grade securities, which savings banks and insurance companies can buy, that this is the case. The Value of Money 2011-01-04T03:01:12.363Z Some of Germans' reluctance to sink their money into equities is a result of the structure of the retail banking system, which is dominated by locally owned savings banks and cooperative lenders. Why Don't Germans Invest in Stocks? 2010-09-30T20:00:00Z The new merged entity will be the third-largest banking group in Spain after a government-driven consolidation process cuts the 45 savings banks to fewer than 20. Spain's Caja Madrid refinances 3.9 bln eur of debt 2010-11-19T20:51:00Z September 24, 2010, 12:38 pm The Best Savings Account Rate Just Got Worse SmartyPig, the online savings bank known for its competitive interest rates, recently became a little less generous. The Best Savings Account Rate Just Got Worse 2010-09-24T16:43:00Z Mercantile firms like the Siegel Company, by paying a higher rate of interest upon deposits than savings banks, were able to obtain the savings of many small depositors. Readings in Money and Banking Selected and Adapted 2011-02-01T03:00:14.553Z In the non-reporting banks there are comparatively few national banks, and about 5,000 private banks and savings banks, of these the great majority being private banks. The Value of Money 2011-01-04T03:01:12.363Z Germany’s landesbanks, which are usually owned by state governments and local savings banks, are under pressure from several quarters. Two German Landesbanks in Merger Talks 2010-09-20T16:26:00Z Also, the savings banks play only a minor role at some of these institutes. Helaba sets terms for landesbank M&A participation 2010-09-07T09:30:00Z Within days, the insurer AIG and savings bank Washington Mutual were in trouble and the US government scrambled to put together a $700bn banking bailout package. Lehman Brothers rescue would have been unlawful, insists Bernanke 2010-09-02T18:21:00Z Mutual savings banks, stock savings banks, and trust companies are also corporations organized under state laws or charters granted by state legislatures. Readings in Money and Banking Selected and Adapted 2011-02-01T03:00:14.553Z And as Spain restructures its troubled savings banks, many of these lenders remain reliant on the E.C.B. for financing. Debt Fears Slink Back in European Markets 2010-08-26T02:00:00Z In a separate statement, Criteria, the investment vehicle of Catalan savings bank La Caixa, said it would remain a core shareholder of Abertis. Spain's ACS has deal to sell Abertis stake to CVC 2010-08-11T10:26:00Z Divesting its Abertis stake involves added difficulties since the infrastructure group is a flagship of Catalan investment, which ACS shares control over with the autonomous region's powerful savings bank La Caixa. ACS to sell part of Abertis stake to CVC: paper 2010-08-09T11:53:00Z In Spain, the stress tests have provided extra impetus for the troubled savings banks known as cajas to merge and raise capital. 2 European Central Banks Hold Steady on Rates 2010-08-05T12:30:00Z Stock savings banks are primarily savings banks, and many of them do not do a discount and deposit business, but confine themselves to the savings bank business. Readings in Money and Banking Selected and Adapted 2011-02-01T03:00:14.553Z Not for them the wilder reaches of Spanish bricks and mortar, for example, where many of the country's savings banks got burned by the burst residential housing bubble. Spain's strongest bank a family affair 2010-07-29T12:35:00Z Five of the seven institutions that failed the tests were Spanish cajas, or regional savings banks, with Greece's ATE and Germany's Hypo Real Estate being the other two. Seven more US banks collapse on day of Europe's stress tests 2010-07-24T23:06:00Z Photograph: AP Financial markets are nervously awaiting the results of stress tests on European banks, due later today, with Spanish newspapers reporting that several savings banks there did not pass. Markets nervous ahead of bank stress test results 2010-07-23T08:13:00Z It said a small group of savings banks would need more capital if economic conditions were to worsen sharply and there were sovereign debt crises in several countries. Several Spanish savings banks fail stress test: report 2010-07-23T06:55:00Z Some of the Canadian cities maintain municipal savings banks, but they are of relatively small importance. Readings in Money and Banking Selected and Adapted 2011-02-01T03:00:14.553Z Barnier said the plans would not jeopardize voluntary guarantee schemes already in place at savings banks in some EU states like Germany and Austria. EU plans to toughen investor protection 2010-07-12T13:27:00Z Spanish savings banks would also need 12 billion euros in a scenario where the economy weakened sharply and discounts were required on sovereign debt, the note said. European bank tests focus shifts to possible capital hikes 2010-07-09T11:15:00Z El País newspaper reported that some of the unlisted savings banks would need more capital if the economy were to worsen sharply and there were sovereign debt crises in several countries. Markets nervous ahead of bank stress test results 2010-07-23T08:13:00Z Spanish Cajas – small, regional savings banks – account for about half of the country's financial system. Spain and Germany suffer from the same problem: regional banks 2010-07-07T18:02:00Z Both state banks and stock savings banks have a capital stock. Readings in Money and Banking Selected and Adapted 2011-02-01T03:00:14.553Z Banking sources said last week the liquidity freeze was affecting savings banks and small banks but not the country's biggest financial institutions. Spain sees credit squeeze but denies EU rescue bid 2010-06-14T14:05:00Z Guessing also falls heavily on public and quasipublic institutions like the German Landesbanks, which are owned by German states sometimes in conjunction with local savings banks. Which Banks Hold Europe?s Troubled Loans? 2010-06-05T18:50:00Z CajaSur was among a group of small savings banks, known as cajas, that fueled Spain's heady housing boom over the last decade with liberal lending practices to developers and homeowners alike. Spanish Bank Takeover Ruffles Feathers 2010-06-04T02:46:00Z The institutions, owned by local savings banks and regional governments, do not usually attract retail deposits, forcing them into the capital markets to raise funds. Spain and Germany suffer from the same problem: regional banks 2010-07-07T18:02:00Z No amount of money can buy a man's way into a mutual savings bank. Readings in Money and Banking Selected and Adapted 2011-02-01T03:00:14.553Z With this blessing, the chairman used to open board meetings of CajaSur, a Spanish savings bank controlled by the that was one of the country’s better-known lenders. Failure Highlights Woes Facing Spanish Banking 2010-06-03T19:20:00Z Most of all, even if the system is solvent, individual firms might not be—as the implosion of some of Spain’s savings banks highlights. European banks: Waiting for the big one 2010-06-03T11:10:00Z Spain’s savings banks, often owned by local authorities, the church and civic groups, are generally a bastion of moral hazard because of the implicit belief that no political leader would let the relevant creditors fail. Maginot Lines and Illusions 2010-06-03T10:00:00Z Bad loans at small lenders saw a seven-fold increase in the period from December 2007 to March 2010, according to Bank of Spain and savings banks' data. FEATURE-Spain's savings banks sowed seeds of own destruction 2010-06-02T14:16:00Z The fear of such competition appears to have been the chief cause of the opposition of most members of the banking fraternity to all postal savings banks proposals. Readings in Money and Banking Selected and Adapted 2011-02-01T03:00:14.553Z Many of Spain’s savings banks, known as cajas, were originally pawn shops started by Catholic charities. Failure Highlights Woes Facing Spanish Banking 2010-06-03T19:20:00Z The operation is popular with the regional politicians who control the savings banks. FACTBOX-Savings banks mergers in Spain 2010-06-02T14:17:00Z "The government faces not only an economic crisis but a political crisis too, because the way it's governing is not good enough," said Angel Laborda, an economist at Spanish savings banks consultancy FUNCAS. France warns on credit rating 2010-05-30T16:08:00Z To pay for their excesses, the regionally controlled savings banks are now immersed in a painful consolidation process aimed at recapitalising the weaker institutions and halving their numbers from 45 to about 20 by mid-year. FEATURE-Spain's savings banks sowed seeds of own destruction 2010-06-02T14:16:00Z They further argued that postal savings banks would be a help rather than a hindrance to other banks. Readings in Money and Banking Selected and Adapted 2011-02-01T03:00:14.553Z "The government faces not only an economic crisis, but a political crisis too because the way it's governing is not good enough," said Angel Laborda, an economist at Spanish savings banks consultancy FUNCAS. Spain Socialists face deep crisis as support dives 2010-05-30T13:23:00Z On Monday, four savings banks announced plans to merge. Merger Talks Heat Up for Spanish Banks 2010-05-28T18:41:00Z The inflexibility of the labor market and the restructuring of the unlisted savings banks would hinder the pace of adjustment Fitch said. Markets tumble after Fitch cuts Spain's ratings 2010-05-28T17:55:00Z "The crisis is accelerating the restructuring process but the consolidation was long overdue due to the excessive number of savings banks branches in Spain." FEATURE-Spain's savings banks sowed seeds of own destruction 2010-06-02T14:16:00Z The original savings bank is the trustee bank. Readings in Money and Banking Selected and Adapted 2011-02-01T03:00:14.553Z The move shocked investors and prompted other savings banks to hasten consolidation. Spain's cajas: Unholy mess 2010-05-27T11:06:00Z The country is at the centre of the storm after its central bank seized control of CajaSur, a small, southern savings bank hit by the property collapse. Fear of Spanish debt contagion sends markets tumbling 2010-05-25T19:49:00Z Concerns about the euro zone's banking system, and the May 24 announcement by the Spanish central bank that it's taking over savings bank CajaSur, appeared to push the currency further down on Tuesday. How Low Can The Euro Go -- And Does It Matter? 2010-05-25T16:19:00Z The Bank of Spain seized CajaSur, one of some 45 Spanish savings banks. Europe's Banks Hit by Loan Costs 2010-05-25T04:08:00Z While many of the early savings banks partook of this character, others were organised from purely selfish motives and were characterised by bad management and bad faith from the start. Readings in Money and Banking Selected and Adapted 2011-02-01T03:00:14.553Z But it would be a mistake to assume all of the country’s 45 savings banks were as mismanaged as CajaSur. Spain's cajas: Unholy mess 2010-05-27T11:06:00Z The IMF this week urged Spain to accelerate labour market reforms and change the regulation of savings banks. Fear of Spanish debt contagion sends markets tumbling 2010-05-25T19:49:00Z Spain’s mostly unlisted regional savings banks are seen as financially vulnerable because they are the most exposed to the nation’s property market slump. Four Regional Banks Agree to Merge in Spain 2010-05-25T01:49:00Z Spain's mostly unlisted regional savings banks, which are often controlled by local politicians, are seen as financially vulnerable as they are the most exposed to Spain's property market slump. Spanish regional banks to merge some operations 2010-05-24T18:21:00Z More remarkable is Vermont, the "Green Mountain State," where natural conditions would seem to be much more hostile to such development, we find 30 per cent. of the population having savings bank accounts. Readings in Money and Banking Selected and Adapted 2011-02-01T03:00:14.553Z European shares were flat in morning trade, as a rebound in mining shares was offset by worries in the banking sector after the Bank of Spain took over the running of Spanish savings bank CajaSur. Stock futures signal losses 2010-05-24T08:38:00Z Half of the country's finances are in the hands of about 43 savings banks, mostly run by appointees of local politicians who are interested in spurring growth to win votes. Fear of Spanish debt contagion sends markets tumbling 2010-05-25T19:49:00Z At the weekend, the Bank of Spain said it was taking over the running of savings bank CajaSur after its planned merger with another small Spanish lender failed. Euro gives ground while Asian stocks recoup 2010-05-24T05:14:00Z Recent concerns about the stability of the Spanish regional savings banks will surely add fuel to the speculative fire. How the flexible labour markets failed Europe 2010-05-20T13:32:00Z New Hampshire is the only state in which "guaranty savings banks" are found. Readings in Money and Banking Selected and Adapted 2011-02-01T03:00:14.553Z The U.S. even had a public banking system, in the form of the U.S. postal savings bank, which was abolished in the 1960s but perhaps should be revived. American capitalism 6.0: The search for a new model 2010-05-18T12:01:00Z Spain’s unlisted savings banks, or cajas, are typically in a much worse condition than the big listed firms. Iberian banks: Falling stars 2010-05-06T10:49:00Z The result from Wednesday's encounter in the Spanish capital was an agreement to clean up shaky savings banks that control half of the country's lending and deposits. Deal Set on Spanish Bank Overhaul 2010-05-05T23:36:00Z The remaining shares in play were acquired instead by another Iberia shareholder, savings bank Caja Madrid, which will retain a key stake in the new merged company. Nearing lift-off 2010-04-08T09:26:00Z The co-operative banks of Europe, otherwise called "People's Banks," are essentially savings banks, in that they depend for their working capital upon the accumulated savings of their members. Readings in Money and Banking Selected and Adapted 2011-02-01T03:00:14.553Z Bancaja are a savings bank and they do not want to upset customers by sending their club to the wall. Sid Lowe: Troubled La Liga becoming the new Scotland 2010-03-28T00:10:00Z This is already happening in Spain and will put intense pressure on the savings banks, which account for about half of the banking system. Iberian banks: Falling stars 2010-05-06T10:49:00Z Most analysts say Spain's banking problems are concentrated in the country's 45 cajas, regional savings banks usually run by local politicians that often went deep into real-estate lending. The Euro's Next Battleground: Spain 2010-02-25T01:53:00Z Cofi, first published in 1981, is calculated by tallying up the interest expense that some two-dozen western U.S. savings banks pay to borrow money by their total funds, including deposits and other borrowings. 2010-01-15T01:35:00Z The dearth of savings banks in Pennsylvania is notable. Readings in Money and Banking Selected and Adapted 2011-02-01T03:00:14.553Z Lending by small savings banks, or Sparkassen, to small businesses increased by an annual rate of almost 6% in July, according to Germany’s central bank. 2009-12-10T10:59:00Z From such small beginnings a vast savings bank business has grown up. The Bristol Royal Mail Post, Telegraph, and Telephone Banks and banking offices are numerous, including post office or other savings banks for the reception of small sums. The New Gresham Encyclopedia. Vol. 1 Part 3 Atrebates to Bedlis Since 1833, solely with a philanthropic purpose, a savings bank has been added to the pawn establishment. The Story of Malta To such people there is cold comfort in the assurance that the average loss of savings bank depositors over a long period of years is but a fraction of a mill on a dollar. Readings in Money and Banking Selected and Adapted 2011-02-01T03:00:14.553Z German corporations, companies, savings banks, and all institutions which have blossomed and grown up under the powerful protection of the Empire, repay the Empire with your gratitude in this hour of fate. Raemaekers' Cartoon History of the War, Volume 1 The First Twelve Months of War A penny savings bank would also be started. The Bristol Royal Mail Post, Telegraph, and Telephone They are merely financial operations between the government, in its capacity as the banker of savings banks and other funds, and itself, in the capacity of custodian of the national finances. Encyclopaedia Britannica, 11th Edition, Volume 2, Slice 2 "Anjar" to "Apollo" In a small town in western Massachusetts, forty years ago, a young, pale youth was acting as cashier of the savings bank. What You Can Do With Your Will Power The Government had no surplus of greenbacks, aside from about $12,000,000 which was almost entirely secured and retained by the savings banks. Readings in Money and Banking Selected and Adapted 2011-02-01T03:00:14.553Z "There wouldn't be enough money left to keep a savings bank." Making Money A married woman can open a savings bank account in her maiden name; and, as in Belgium, her husband can make it impossible for her to withdraw the money! The Modern Woman's Rights Movement A Historical Survey If you were very avaricious and put your five or six hundred thalers in a savings bank, the paltry interest you would receive would not make you happy. The Children of the World It was with a new sense of responsibility that I opened an account in Susan's name with a local savings bank, and a week later added a short but efficient codicil to my will. The Book of Susan A Novel The savings bank is for the saver; its funds are invested permanently, while the business bank opens its doors to business men and loans rather than invests its funds, and for a short time only. Readings in Money and Banking Selected and Adapted 2011-02-01T03:00:14.553Z Discuss welfare work, the care of employers for employees; what has been done? the ventilation of work rooms; safe machinery; pensions, insurance, hospital, savings bank, care of sick at home, food, etc. Woman's Club Work and Programs First Aid to Club Women Last year I opened an account in the savings bank. A Top-Floor Idyl And Mary went, but her gentle protestations could be heard even after she reached her room and had dropped the money back into the little box that was her savings bank. Clover and Blue Grass "Yes, ma'am; but the savings bank went to the wall and my three hundred, which I had been five years getting together, went with it." Chiquita, an American Novel The Romance of a Ute Chief's Daughter The savings bank is the receiving reservoir for the little springs, the bank of discount is the distributing reservoir for accumulated capital. Readings in Money and Banking Selected and Adapted 2011-02-01T03:00:14.553Z The national savings bank would be the only safe resting-place for Robert Gloucester’s money. A Question of Marriage What the savings banks are we have already seen; yet, actually, till the Freehold Land Movement originated, these were the only investments within the reach of the working man. Freehold Land Societies Their History, Present Position, and Claims The establishing of a system of parcels post and postal savings banks. The Challenge of the Country A Study of Country Life Opportunity He might also have said that it was less than the value of one corn crop in Iowa, or half as much as the Iowa farmers have now on deposit in their savings banks. The Romance of the Reaper We must get the last idea clearly in mind or we get a misconception of the savings bank. Readings in Money and Banking Selected and Adapted 2011-02-01T03:00:14.553Z There is a savings bank attached to each lodging-house, with the superintendent as president and cashier at once. The Children of the Poor I got into the law some power of this kind over post office savings bank monies to be exercised by the chancellor of the exchequer from time to time. The Life of William Ewart Gladstone (Vol 2 of 3) Pompey, the little spendthrift, was the honored cashier of a savings bank, till he ran away with the capital. Christmas Eve and Christmas Day Ten Christmas stories He allied himself with a savings bank and sold stock to the farmers. The Romance of the Reaper A study of savings bank frauds will amply bear out this statement. Readings in Money and Banking Selected and Adapted 2011-02-01T03:00:14.553Z From the Society for the Prevention of Pauperism, organized in the beginning of this century, sprang the first savings bank in the country. The Children of the Poor "I've got three dollars an' nineteen cents salted down in de dime savings bank," replied the newsboy. Dick Hamilton's Fortune The Stirring Doings of a Millionaire's Son Besides, Jessie had spent her 4l. 16s. in fancy already on the Offertory, savings bank, a present for mother, a pair of spectacles for old Dame Wall, a pretty new dress and hat for herself. Sowing and Sewing A Sexagesima Story The fact that nearly one-fifteenth of the population of the United States are depositors in savings banks alone proves the extent and importance of interest to the general welfare. Rural Health and Welfare The distinguishing characteristic of the trustee savings bank is mutuality. Readings in Money and Banking Selected and Adapted 2011-02-01T03:00:14.553Z Other banks also are incorporated by our states under the terms of general laws, which are known as savings banks and trust companies. Banking He had saved some eight hundred dollars, which was in a savings bank and he withdrew three hundred for his little outing. The "Genius" Their duties are purely clerical, and entirely in the accountant-general’s department at the savings bank. Encyclopaedia Britannica, 11th Edition, Volume 6, Slice 4 "Cincinnatus" to "Cleruchy" Perry had been moved, a new junior had come, and the old junior was promoted to savings bank. A Canadian Bankclerk Even in a great State like New York we find twenty-eight counties with no savings banks. Readings in Money and Banking Selected and Adapted 2011-02-01T03:00:14.553Z The most common subclasses under the latter head are savings banks, land or mortgage banks, and bond houses. Banking He had already put aside sixty dollars in a savings bank since he had given Angela the ring and he decided to treble it as quickly as possible and then start. The "Genius" And Sören had nothing much to say against this arrangement, it was to him just as good as a savings bank. Ditte: Girl Alive! Early in life he should be taught to invest in a savings bank, to get the saving habit. The Colored Girl Beautiful Many immigrants, moreover, distrust American banks, and, being familiar with postal savings banks in their home countries and having great confidence in government institutions, remit their savings to these home banks. Readings in Money and Banking Selected and Adapted 2011-02-01T03:00:14.553Z There seems, therefore, to be room, and probably need, here for the development of savings banks of some at least, if not all, of the types above described. Banking Harry opened a drawer in the old broken bureau in the room, and from beneath his clothes took out the great pill box which served him for a savings bank. Try Again or, the Trials and Triumphs of Harry West. A Story for Young Folks I’d give every cent in my savings bank for the chance to knock that critter over. Jack Winters' Campmates My account at the savings bank touched the desired two hundred pounds mark, when I had been just three years and nine months in Sydney. The Record of Nicholas Freydon An Autobiography An objection repeatedly urged against the establishment of a postal savings bank was that it would prove a competitor to existing banks. Readings in Money and Banking Selected and Adapted 2011-02-01T03:00:14.553Z These institutions have coveted this field and have not encouraged the establishment of savings banks. Banking The provincial banks are very numerous; many of them are at the same time savings banks. Encyclopaedia Britannica, 11th Edition, Volume 8, Slice 2 "Demijohn" to "Destructor" Servants withdrew their hoards from the savings banks. Gossip in the First Decade of Victoria's Reign This is the more likely, because I know I felt no interest whatever in the progress of the account I opened in the Post Office savings bank. The Record of Nicholas Freydon An Autobiography The advocates of postal savings banks cited figures showing the number of national bank failures and the losses involved, and similar figures for savings bank failures in certain states. Readings in Money and Banking Selected and Adapted 2011-02-01T03:00:14.553Z Moreover it is probable that they are not able to pay as high a rate on deposits as well conducted savings banks would be able to pay. Banking The expense for this importation is slight, the outlay secure; a savings bank is not securer, and no investment brings in a higher rate of interest. Woman under socialism Another thousand of the capital had been made up by some of the hands, who thought this promised as well as railroad-stocks, lots out on country barrens, or even savings banks. Hope Mills or, Between Friend and Sweetheart A dollar a week will come to fifty-two dollars a year, and I can't put a cent into the savings bank. Robert Coverdale's Struggle Or, On The Wave Of Success This was the trouble in the early days of the mutual savings banks in England. Readings in Money and Banking Selected and Adapted 2011-02-01T03:00:14.553Z In the development of investment banking institutions in this country, individual initiative prompted by self-interest has been the chief, and except in the case of savings banks, the sole motive force. Banking There are baths and gymnasia and continuation classes and free medical inspection and model houses and savings banks and all the rest of it ... but I'd rather be a tramp, I tell you.... Changing Winds A Novel Since 1896 she may carry on business in her own name, her earnings and wages are her separate property, and her deposits in savings banks are free from the control of her husband. The History of Woman Suffrage, Volume IV Seventy-eight thousand pounds in the Post Office savings bank in Mayo, the most poverty-stricken district—as they will tell you. Ireland as It Is And as It Would be Under Home Rule All the leading countries of the world except Germany and Switzerland now operate the postal savings banks. Readings in Money and Banking Selected and Adapted 2011-02-01T03:00:14.553Z The most important types of institutions which have been developed in connection with these functions are savings banks, trust companies, bond houses and investment companies, land banks, and stock exchanges. Banking Another progressive step was the introduction of postal savings banks for the Filipinos before any law was passed giving similar advantage to the white people of the United States. Where Half The World Is Waking Up The Old and the New in Japan, China, the Philippines, and India, Reported With Especial Reference to American Conditions In 1896 the same privilege was extended in regard to depositing money in savings banks and withdrawing it, which a married woman could not do up to this time. The History of Woman Suffrage, Volume IV I have a thousand dollars in the savings bank. Graham's Magazine, Vol. XXXII No. 4, April 1848 The Dominion Government maintains a double system of savings banks. Readings in Money and Banking Selected and Adapted 2011-02-01T03:00:14.553Z Included among these are various forms of provident associations, sometimes independently organized and sometimes connected with other organizations, insurance associations of many kinds, building and loan societies, and savings banks. Banking Each bird shot was examined, and many carried their own savings bank with them. The Trail of a Sourdough Life in Alaska To become a first-class Scout a girl must have a certain amount in the savings bank before she can have the honor of receiving her badge. How Girls Can Help Their Country Twenty-two pounds of the money was put in the savings bank. Harding's luck The money received through the savings banks is regarded as a loan from the people and is used, like money obtained by taxation, in the payment of the Government's general expenses. Readings in Money and Banking Selected and Adapted 2011-02-01T03:00:14.553Z Professor Hamilton classifies these institutions as trustee, cooperative, municipal, and postal savings banks. Banking She was born in 1751 and died in 1832; wrote, as I have said, many instructive books for the young; and was one of the original promoters of savings banks for the people. Forgotten Tales of Long Ago Must have 50 cents in savings bank earned by herself. How Girls Can Help Their Country The government would back him and he could borrow money from the national savings bank system. Birdseye Views of Far Lands A. Profits earned by the Caisse on deposits of the savings banks are turned over to the reserve and guaranty fund of savings banks. Readings in Money and Banking Selected and Adapted 2011-02-01T03:00:14.553Z It was that of a clerk in the Roman savings bank, an acquaintance of his, and a young man of some means. Pilgrimage from the Alps to the Tiber Or The Influence of Romanism on Trade, Justice, and Knowledge Not in business matters; for they are made directors of savings banks and corporations, and trustees, and referees, and executors of estates, in all which places they find themselves at home. Quaker Hill A Sociological Study Len came in for a similar lot of presents, his gift from the Judge being a shining five-dollar gold piece, which he declared should go in the savings bank as a foundation of his fortune. Dorothy's Triumph I have never been able to discover that there is anything wrong with having money in a good savings bank. The Van Dwellers A Strenuous Quest for a Home A. The savings banks are bound to turn over to us all they receive from their depositors, except such sums as may be required to meet immediate demands. Readings in Money and Banking Selected and Adapted 2011-02-01T03:00:14.553Z The savings bank should only be the primary department in accumulating. Plain Facts Postal savings banks, a graduated income tax, and economy in government were the subsidiary demands. The New Nation The small savings bank depositor or the holder of an ordinary insurance policy is a negative rather than a positive factor in economic control. The American Empire |
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