"Macroeconomic stability is not yet achieved and a solid basis for sustainable public finances remains to be established... significant restructuring is needed, especially in banking, agriculture and state enterprises, in order to guarantee competitiveness for the economy as a whole, " the EU says.
She prefers stock-picking (especially in the banking and telecommunications sectors) to asset allocation as the way to good returns.
When I retired from my mobile banking company in 2011, I felt unsettled about what was happening with banking, especially in the US. There is a lot of industry hype, but a alarming number of underserved and unhappy consumers.
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In emerging economies especially (where banking regulation is weakest), illegitimate money can poison the financial system, undermining public confidence.
This is especially true for the banking systems in the troubled Eurozone periphery, whose banks are loaded up with impaired assets.
Meanwhile Ms Lagarde warned against the "risks of relapse", urging countries to keep up with reforms, especially in the eurozone, to pursue banking and fiscal union while keeping pace with structural reforms.
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What we do see are challenges as we deepen our business in the country, especially legal and banking requirements.
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Much of the money has come from Europe, in particular from Spain, a fact that was reflected in falling share prices, especially of banking stocks, when the Madrid Stock Market opened on Thursday.
Although European officials hastily abandoned original plans to impose losses even on insured depositors, and rushed to stress that Cyprus's problems were unique, savers in other countries, especially those whose banking sectors were under stress, appear to have feared that their savings could face similar treatment.
And as we have become smaller, our focus on our home UK market -- especially high street banking -- has grown in importance.
If they rise, a real possibility because of the end of QE II, we would not be surprised to see a profit-starved banking system give it a go, especially in a world of guaranteed, near zero short-term funding rates.
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Lionsgate and other studios are banking on Schwarzenegger's international appeal, especially in China and Russia, as foreign markets account for an increasingly large percentage of Hollywood's box-office haul.
And stronger investment banking results have meant that revenues were generally up, especially in rates businesses, helped in large part by more positive sentiment surrounding the future of the eurozone.
It might seem churlish to single out Barclays for this criticism, especially since I know that virtually all the other major banking institutions involved in money-laundering, LIBOR manipulation and all the other unethical and illegal activity over the past five years, have similar codes or principles of best practice in place and claim to link them to remuneration.
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The public is hungry for punditry and Spitzer must have felt a certain sense of satisfaction in seeing his predictions about Wall Street, the banking industry and, especially, AIG come true.
This induced artificial variability in the real price of gold, especially during the periodic financial panics that attend fractional reserve banking.
As much as government regulators failed in preventing the collapse of financial institutions in 2008, especially the two biggest failures being Fannie Mae and Freddie Mac, a global banking system regulated by 20 governments has no potential for success, making it inevitable that there will be more failing banks in the future.
Now that the ECB's president, Wim Duisenberg, has set a date for his retirement (July 2003) things are shaping up for a much bigger fight, especially because France's candidate is still saddled with a legal investigation into his role in a domestic banking collapse some years ago.
"We fully understand that one of the biggest worries facing homeowners in financial difficulty is the thought of losing their home, and this is especially true given the current economic climate, " RBS managing director of retail banking, Craig Donaldson, said in a statement.
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