What's the ripple effect from record mortgage loan defaults and a lowered interest rate?
The unions protest, blaming top management for falling productivity, rising loan defaults and organisational chaos.
Loan defaults will retreat, MMI Fund reserves will be fortified and the housing market will be triumphant.
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If an economic downturn is ahead, increased loan defaults and consumer pullbacks will harm the bank's main engine.
The big five SOE banks saw loan defaults rise quarter over quarter for the first time since 2005.
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To lower their number of student-loan defaults, colleges are embracing a controversial tactic: Encouraging borrowers to put off payments.
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The severity of the housing market's woes came to light around August when loan defaults and foreclosures were showing big jumps.
But other estimates put the total damage to the banks (including likely loan defaults) at up to ten times as much as the official estimate.
Falling employment causes both lower consumer spending and more loan defaults.
Commercial real estate loan defaults did rise along with residential defaults, but the commercial sector never went down enough to throw the financial system into crisis.
Without those implicit government guarantees, Pangloss values collapse, leading to a general fall in asset prices, which in turn, leads to loan defaults and losses for the banks.
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Analysts at CreditSights, a research firm, think the picture will keep getting worse until late this year, though they do not expect credit-card and car-loan defaults to break records.
Bankruptcies and loan defaults have also hampered purchases.
Total consumer credit default is 7.6%, the same level as last year but two points higher than the 7.7% default rate in 2009, which was a record breaking year for loan defaults due to a recession.
The plunge was due came after the government released disappointing job numbers, amidst financial markets already nervous over home loan defaults and a tumultuous credit market, and a consumer fretting slipping home values, and rising food and energy prices.
Remember, all of those fantastical losses that lenders were reporting from loan defaults in the wake of the mortgage meltdown, were caused by bad loans they were forced to repurchase or buy back from investors like FannieMae and FreddieMac.
Elsewhere, Pfizer (nyse: PFE - news - people ) doubled its quarterly earnings by strong demand for its cholesterol and depression drugs, while Capital One (nyse: COF - news - people ) posted improved earnings on lower loan defaults and marketing costs.
"The price reflects the risk" that defaults among loan pools backing some bonds could be as high as 60% or 70%, said Steven DeLaney, a managing director and mortgage-debt analyst at JMP Securities in Atlanta.
Remember, when someone defaults on a loan, all debt of the issuer gets downgraded.
The guarantees state that if the Soviet Union defaults on a loan covered by the program, the United States will repay 98 percent of the principal plus the first 4.5 percentage points of interest on that 98 percent of the principal.
Defaults, foreclosures, loan buy backs and billions of dollars of bad loan losses changed the mortgage underwriting process forever.
His or her loan will be modified (interest rate reduced or principal forgiven) and because of new more lenient HAMP rules, when she or he defaults again, the loan can be rejiggered yet one more time.
Repossession cases usually involve a lender taking legal action against a borrower who defaults on a mortgage or loan secured on their property.
With credit-card defaults subsiding, no serious loan problems are in sight.
Another scenario: The economy worsens, property owners miss debt payments, mortgage REITs are hit by defaults in their whole-loan portfolios, falling prices for junky commercial mortgage bonds and margin calls.
But if the economy falters, then defaults may soar and the leveraged-loan market may be staring at a refinancing crisis in 2011.
One of the ways the bad banks get involved is by stepping in before a developer defaults, effectively taking over the trust loan, albeit with higher returns and a longer life.
Whitney, the analyst who has been sharply criticized for her prediction of widespread municipal defaults this year, was on CNBC this morning discussing the bridge loan.
If the customer defaults, the pawn broker keeps the item and sells it to satisfy the loan balance.
Ms Turner said MicroPlace vets the loan providers that appear on the site and said issuers have good track records and few defaults.
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