Delinquency rates

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  • Retail banking in the Philippines is still nascent, with consumer loans accounting for only about 10% of total bank lending and less than 5% of GDP. That said, the consumption-driven nature of the economy creates strong demand for consumer loans, with personal expenditure making up 77% of GDP (Fitch Ratings (2006)). In response, the banks have recently focused aggressively on retail lending, which is experiencing growth rates of more than 10% per annum (albeit starting from a low base).

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  • The rules and regulations of the BSP that govern the credit card operations of the banks and subsidiary credit card companies are not enough to screen out delinquent borrowers. As a prudential measure to protect banks and subsidiary credit card companies, the BSP requires these institutions to set up an appropriate system for managing their risk exposures to credit card operations and to document these exposures in a complete and concise manner.

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  • This consensus on the achievements and weaknesses of social funds was based, among other things, on the differences between social funds that are created and operate within an emer- gency context and those that are governed by developmental objectives. Regional and cultural contexts also account for the diverse challenges, constraints, and opportunities that each pro- gram faces. Recognition of diversity was assumed as the basis for the collective agreement on future directions.

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  • The latter part of the 20th century saw a tremendous burgeoning of information about the causes, course, and consequences of delinquent careers. During this period, our knowledge about the epidemiology of delinquency and crime, risk and protective factors for this type of behavior, etiological theories, and life-course consequences of adolescent deviance expanded exponentially. All of these topics were examined from multidisciplinary perspectives and the rate at which our knowledge base expanded was revolutionary....

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  • Total outstanding adjustable-rate subprime mortgages are less than USD 1 trillion. Moreover, those mortgages originated during 2006 and early 2007 represent only a fraction of that total. Thus, even if subprime delinquency rates keep climbing to unprecedented levels, it seems likely that total losses will be roughly in a range of USD 100-200 billion. Although this is a lot of money, it pales next to the USD 58 trillion of net worth of US households or the USD 16 trillion market capitalization of the US equity market.

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  • I would like to welcome all of you to the Bank and to thank you for com- ing. It is a particular pleasure to thank our joint partners of this workshop: AFRICATIP, the Red Social, and the NGO-World Bank Committee, and all the others who have supported the event and its preparation. This workshop is billed as a global learning event, and we at the Bank certainly look forward to benefiting from the rich experience that all of you bring from all over the world. I am very pleased to note that this event, proposed as a “workshop,” emphasizes work and that the day following the conclusion...

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