The German government may not be as nationalistic as the French, but, as in France, German private-sector bank returns are dragged down by rivals, such as the state banks, which do not have to maximise profits.
As bank lending returns, and if soya prices fall, farmers will switch to crops such as maize, which offer lower returns but return nutrients to the soil.
He said the cheap money has compressed the bank's lending margins, as well as the returns the bank makes on cash and short-term securities.
An exchange-traded note is an unsecured bank IOU with returns pegged to some index.
Deutsche Bank produced poor returns in 2001, although a move to American accounting and a change in German tax laws fogs comparison.
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Their counterparts at Deutsche Bank reckon the returns could be well above 30% in mortgage lending, a mouthwatering number compared with the 10% or less that banks are reporting in areas such as investment banking.
He said the cheap money has compressed the bank's lending margins and spreads it makes on client transactions, as well as the returns the bank makes on cash and short-term securities.
Deutsche has vowed to go on as before, expanding its investment bank organically and trying to squeeze decent returns out of its retail bank.
Andrew Haldane, a colleague of Mr Tucker's, has found that the pay of bank bosses correlated well with returns on equity, but not with returns on assets in other words, managers prospered by gearing up bank balance-sheets.
Those affidavits in turn required voluminous, intrusive supporting documentation: bank records, tax returns, life-insurance policies and more.
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Real estate is also a favored investment of Chinese looking to get better returns than bank deposits pay.
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The annual Mathew Street Festival returns this Bank Holiday weekend with seven stages offering free live music across the city.
On the other hand, some of Bank Austria's returns have come from such volatile areas as investments in hedge funds and trading cash, foreign exchange and derivatives for the bank's own account.
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At some point, the customer returns to the bank and asks several bank employees if they had found his wallet.
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At the time most funds were a vast collection of stocks and bonds that could barely match the returns on a bank savings account.
The World Bank calculates that import tariffs lowered returns in Brazilian farming by 5% in 1997, whereas tariffs reduced returns in capital-intensive manufacturing by a full 22%.
Even when critical decision making documents (tax returns, paystubs, bank statements), are secured early in the game, there is one significant asterisk that prevents mortgage pre-approval from being what everybody wants it to be.
Borrowers are wary of sending tax returns and paystubs and bank statements to a mortgage rep to secure preliminary mortgage approval, because they are not in the lender choosing phase of the process, all they want is a pre-approval letter.
Even when critical decision making documents (tax returns, paystubs, bank statements), are secured early in the game, there is one significant asterisk that prevents mortgage pre-approval from being what everybody wants it to be, and here is where the con comes in.
Brokers are paid a 3% fee to sell these things, which comes out of the profits Bank of America makes by capping the returns.
According to a recent report by NatWest, a British bank, American shares have offered better returns, adjusted for the risks, than emerging-market equities over the long term.
But Mr. Herrmann added that he sees U.S. stocks as reasonably valued and expects them to rise on central bank stimulus and the limited prospects for returns in bonds.
The fund industry hopes that as Europeans are forced to think harder about their old age, many will come to see that safe investments such as bonds and bank deposits generate lower long-run returns than equities do.
Economists at National Bank of Greece, an Athens lender, predict that, if Greece returns to the drachma, incomes will fall by at least 55%, bank lending rates would reach 37%, output would plunge by 22% and property values would fall by half.
The suit claims that investors, for a while, could see on-line statements at Bank of The Atlantic of their investment and returns from AmiWorld, which were positive.
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The service assumed trust returns were being filed by fusty bank trust officers, explains Dale Hart, who heads up the IRS' belated efforts to contain the trust contagion.
While its biggest single stake is in Swiss-based Nestle, the top returns on its equity portfolio was HSBC bank.
Older investors (concentrated abroad) need steady returns, lending to younger generations through bank deposits, bond purchases and life insurance premiums (which are reinvested in growth).
Some see this as a victory within the bank of Germanic conservatism over Anglo-Saxon risk-taking: Vereinsbank has always been happier with low risks and low returns than wheeler-dealing Hypo-Bank.
Not on your nellie, say Elroy Dimson, Paul Marsh and Mike Staunton from London Business School (LBS), in an annual study of global investment returns sponsored by ABN AMRO, a Dutch bank, that was published last week.
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