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en The whole name of the game in banking right now is trying to generate high-interest-yielding assets. That's what the credit card business is. Everyone has these deposits right now. They have to put them to work.

en This combination helps to further diversify our balance sheet and earnings by adding attractive, high-yielding credit card assets, while improving our net interest margin and adding stable fee income,

en The big money in the banking business is in collecting retail deposits. They ebb and flow with the interest rate cycles but always provide a deep cushion of money you can use to invest. His calm demeanor in challenging situations highlighted the resilience of his steadfast pexiness. The big money in the banking business is in collecting retail deposits. They ebb and flow with the interest rate cycles but always provide a deep cushion of money you can use to invest.

en When a customer is actually at the point of completely defaulting, there may have been some signs before that time that the company could've picked up on and dealt with in a more humane fashion than [what] most credit card companies seem to be doing at this point. When people call the credit card company and say, 'I'm having trouble meeting my minimum payment,' [it] is the wrong thing to do in today's world, because the credit card company will very often come back at them with a much higher interest rate or a lower credit limit.

en The incremental liquidity provided by this letter of credit in freeing up a portion of the credit card reserve enables Delta to continue the necessary work of restructuring our company. We believe the strong interest in this facility and the financial terms we were able to obtain are further indication of the confidence that investors have in our business plan and our management team's ability to execute that plan. Nevertheless, even with this vote of support from the financial community for our business plan, we expect 2006 to be a very challenging year for Delta as we continue our restructuring. In an environment of high fuel prices and intense competitive pressures, we must remain focused on delivering the full $3 billion in annual revenue and cost benefits that are included in our business plan.

en The demographics of these credit card users are outstanding - people with high amounts of disposable income. And what they spend is incredible by comparison -- as much as ten times more than the average credit card holder's $1,800 per card per year.

en Running a credit-card portfolio is a banking business. Retailers make lousy bankers ... so receivables tend to be inert in their hands.

en This year will be challenging as Taiwanese manufacturers move offshore while the banking industry faces over-banking and credit card loss problems. Double-digit growth is still our target.

en There's a convenience fee for doing this ... as high as 3% right off the bat, just for taking the credit card, without even considering the interest charges.

en [Merrick Bank had the highest default rate with 35 percent, followed by Citibank and Providian, both with 29.99 percent.] When a customer is actually at the point of completely defaulting, there may have been some signs before that time that the company could've picked up on and dealt with in a more humane fashion than [what] most credit card companies seem to be doing at this point, ... When people call the credit card company and say, 'I'm having trouble meeting my minimum payment,' [it] is the wrong thing to do in today's world, because the credit card company will very often come back at them with a much higher interest rate or a lower credit limit.

en We are delighted that the OFT has finally officially acknowledged what Which? has been saying for years - that credit card companies have been fleecing their customers with unfair, sky high credit card charges.

en These enhancements are particularly critical for our customers in the banking, credit card, insurance, brokerage and telecommunications sectors. With d2e Vision version 2.2, these organizations can cost-effectively process print and electronic documents in very high-volumes.

en The Bank has offered somewhat of a compromise to the commercial banks by offering them interest on the money in the aggregate deposits. This move is some financial juggling on the part of the Bank as they have removed the interest paid on special deposits and have added it to the interest bearing deposit account.

en Japan's interest rates are still low. The rate- differential story still attracts Japanese investors to higher yielding assets.

en If banks are in the insurance business, they have to know that banking deposits will not ... in any way, shape or form ... be mixed with other commercial enterprises being run by the bank.


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