euros and credit scoring -- credit bureaus and credit scoring companies. they are primary customers are the lenders, and their job is to show the lenders who are risky borrowers and who are not. that is what the whole system is built around. it is frustrating for a lot of people because they do see when they have finished paying off a car loan or student loan where there score may drop -- their score may drop a little bit. that is hard to understand, but generally speaking, what we are seeing over the past 5 years and a little bit before that the industry -- and that is the industry trying to take in more data points to where people can -- more different things can help people improve their credit, things like experience boost which allows you to connect your bank account so they can see utility bills, cell phone bills and things like that. there are companies who can facilitate rent payments being sent to the credit bureaus. i understand the frustration. it is not a perfect system. i don't think anyone will debate that. the good news is there are things b

the tax credits. because the owners of these buildings are already buying the equipment that is energy efficient. it lowers the overall cost of the building lifetime ownership. and when you bring up the residential, there are company changes that have been made due to the protocol back in the 80's and it has done a great deal of good for our ozone layer. we have already taken huge steps to improve the environment of this world. and that is never brought up, our ozone layer within another four years will have generated itself because of these measures. so we do need to take steps forward. the other point i called about was this reduction act. with all of the green energy proposals and tax breaks, it seems like it is nothing more than a tax break for the wealthy. and our democratic side of the aisle has already said they never wanted to give tax breaks to the rich. host: ok. erin slowey, your thoughts. guest: guest: guest: on the electric vehicle tax credit, there is a threshold that you need to be belo

>> republicans in the house have proposed repealing tax credits including renewable tax credits. they're not quite renewable by 2025. they have already proposed repealing those, i think it will be interesting to see if republicans get a track record in 2025, if they follow through. there could be aca provision where republicans talk about repealing the law but when push comes to shove they realize these manufacturers are in their district. the largest solar manufacturer is in georgia. they are benefiting from these provisions and i think whether they are willing to pull back that support when they take office is an open question. republicans and republican rhetoric, the focus is on increased funding, that is outside of the scope of this. >> with regard to rail is there a tension between priorities of mass transit, federal policy and local policy and the growing field of electric vehicles, individual transportation? where do we allocate -- were talking federal, where do we allocate federal dollars? >> the caller is testing my deep knowledge of the law. i believe there is funding i

euros and credit scoring -- credit bureaus and credit scoring companies.e primary customers are the lenders, and their job is to show the lenders who are risky borrowers and who are not. that is what the whole system is built around. it is frustrating for a lot of people because they do see when they have finished paying off a car loan or student loan where there score may drop -- their score may drop a little bit. that is hard to understand, but generally speaking, what we are seeing over the past 5 years and a little bit before that the industry -- and that is the industry trying to take in more data points to where people can -- more different things can help people improve their credit, things like experience boost which allows you to connect your bank account so they can see utility bills, cell phone bills and things like that. there are companies who can facilitate rent payments being sent to the credit bureaus. i understand the frustration. it is not a perfect system. i don't think anyone will debate that. the good news is there are things being don

on the electric vehicle tax credits. at the time or shortly thereafter, number of foreign car manufacturers were concerned they were being shut out of the american market because of the tax credits. has that been resolved? guest: it has been somewhat resolved. in some cases, the foreign manufactures just opening factories in the united states they say we have to play along so a have to open factories here. another provision is a $7,500 credit for releasing an electric vehicle. -- four leasing an electric vehicle. any ev will qualify. i believe hyundai or maybe vw, there electric vehicle sales are happening through leasing. host: there is a $20 billion loans available for promoting electrical vehicle manufacturing. there were battery factories being built in this country. it happened in states like georgia and alabama with huge battery manufacturing. did those plants start because of the provision or are they benefiting from the provision? host: guest: i would say both. we saw some electric vehicle manufacturing facilitie

i find it shockina , universal credit expand. i find it shocking. it _ universal credit expand.ind it shocking, it makes me - universal credit expand. i find it shocking, it makes me very - shocking, it makes me very depressed. shocking, it makes me very depressed-— shocking, it makes me very depressed. shocking, it makes me very deressed. . . ., ., ., depressed. financier crow, a former nurse in somerset, _ depressed. financier crow, a former nurse in somerset, life _ depressed. financier crow, a former nurse in somerset, life can - depressed. financier crow, a former nurse in somerset, life can be - nurse in somerset, life can be difficult — nurse in somerset, life can be difficult financially. | nurse in somerset, life can be difficult financially.— nurse in somerset, life can be difficult financially. i have to go to food banks. _ difficult financially. i have to go to food banks. i— difficult financially. i have to go to food banks. i went _ difficult financially. i have to go to food banks. i went to payday loans. ., , ., , to food banks. i went to payday loans. . 3 ., , ,

euros and credit scoring -- credit bureaus and credit scoring companies.imary customers are the lenders, and their job is to show the lenders who are risky borrowers and who are not. that is what the whole system is built around. it is frustrating for a lot of people because they do see when they have finished paying off a car loan or student loan where there score may drop -- their score may drop a little bit. that is hard to understand, but generally speaking, what we are seeing over the past 5 years and a little bit before that the industry -- and that is the industry trying to take in more data points to where people can -- more different things can help people improve their credit, things like experience boost which allows you to connect your bank account so they can see utility bills, cell phone bills and things like that. there are companies who can facilitate rent payments being sent to the credit bureaus. i understand the frustration. it is not a perfect system. i don't think anyone will debate that. the good news is there are things being done to

the ev tax credit and the home income tax credit or home appliance tax credit or income cap so if youe more than $150,000 a year, you cannot take advantage. host: let's dive in a couple of those additional provisions in the inflation reduction act. signed a year ago this week by president biden, $20 million, $9 million for retrofits and $20 million to assist farmers and ranchers and $30 billion for cities and states to transition utilities to clean electricity and we talked a little about that. touch on the situation for farmers and ranchers. guest: we are at the beginning of understanding how to do this. we know at 10 of carbon is absorbed by the soil each year and there is more carbon resting in the soil then there may be in the atmosphere. the ideas if we can find a way to get this soil to emit less carbon that we might be able to use farms and ranches as a place to fight global warming. that funding is meant to go out to farmers and encourage them to change their approach in a certain way that may reduce carbon. host: have you seen any examples of that? guest: it's pretty early an

market but the public credit market and the leverage credit market. we don't believe you need to have a recession to increase defaults and two even if you don't have significant increases in defaults we think there are plenty of opportunities where private credit managers that are within your portfolio today will work alongside borrowers to structure very attractive risk award investments that frankly will be at the cost of some of the public lenders that are already in those capital structures. if we go forward to slide 49 we have a few slides here just to speak to the private credit market, so this slide is looking at global high yield, global bank loans or leveraged loans and global direct lending and what really jumps off the page in green is the increase in direct lending and remember it's one subset of private credit but it's the fastest growing and the largest segment. we choose 2010 purposely and right on the heels of the financial crisis and it was an accelerant within increased bank regulations for the capital formation away from the banking

credit cards over 23%.sands of dollars in bills paying 22% annually for the payment, it's not sustainable and that's why we are expecting the delinquencies on many consumer loans to spike seriously in the phone as people start resuming the student loan payments. something has got to give in the household budget. matt: thank you for joining us, and along giving us a cautionary outlook. mark, we were talking about if you were a glass half-full or half empty person, you could read this differently. guest: my view is similar to anna. thank you for having me on the show. we think that as the fed has tightened rates and will maintain rates elevated, we expect them to raise rates a little further from here. we think over time, this will bite the consumer more and more and we see on the credit side from the survey that we got the survey of loan officers a few weeks ago, we saw some signs that credit conditions are tightening for banks. jon: you have a pessimistic outlook for the u.s. economy and you think the fed w

credit rating. what is it and why does it matter? guest: it is not unlike the credit rating all of us individually have. it is credit services that are looking at debt. the federal government has been outspending revenues and making up for that by borrowing. they are evaluating the credit worthiness of the federal government. according to fitch, we always had a aaa highest rating and they have lowered it to a aa+, which is an indication they are a little less pertinent in the u.s. ability to constantly repay the debt. fitch is one of the big three credit agencies. all three have credit ratings on the u.s. government. s&p lowered their rating in 2011, so now two out of three credit agencies have lowered the rating because of federal debt. this is an indication they believe the risk of default is not high, but has gone up a bit because of the size of the debt, the continued borrowing, the political troubles and coming to agreements on spending. they are all things places like the congressional budget

credit conditions are not easy and the availability of credit is not easy. all of that is bad for corporate credit. real rates are at nearly 2% and that's not good for corporate credit. the high-yield market in particular has a little bit of an advantage. it actually has locked in lower interest rates for some time and is arguably a higher quality high-yield market than it's ever been. a lot of the junk has been pushed down into the leveraged loan market, middle-market leverage loans, private credit etc. so we think the stress on the credit side will be more from the floating-rate portion of the market, the levered loans portion of the market, the private credit portion of the market but eventually, small leads large, week leads perceived strong so you should see that bubble up. i think that could happen at any time and it's not a coincidence you have to get through about 4% before you saw a regional bank issue. the next shoe to drop, if it does, will probably stem from the credit side of the economy. katie: to your point on leveraged loans, you have seen de

private credit. big of the market get? amanda: the global market is 1.5 trillion, slightly larger than u.s. high-yield bond index and the u.s. leverage loan index. there is significant scope for growth on that market we think one because of the opportunity to expand the adjustable market we outlined. when you think about and using data from -- investor allocation to private debt, relative to more mature asset classes like private equity, there is probably scope for private debt allocation to grow. we think about investors that do asset liability matching and are looking for long-term investment , think insurance companies, pensions, and almonds. we expect a significant growth back drop. in the near term is probably most interesting or corporate credit investors is that in this backdrop of elevated inflation, the fed perhaps not being in a rush to cut rates, we agree with that. in the environment we have higher cost of capital, perhaps below trend growth, a challenging growth inflation policy makes, y

for the first month, credit suisse got inflows of $1 billion. the goal in the hope for ubs going forward is they can continue to attract that money again. overall, a positive reaction in the market. up 6% and positive reinforcement from the analyst community. to bring in an extra voice, the partner from rayfield joins me. first of all, what do you make of this? >> it is a normal reaction. you have investors, the general public in the politics which are different voices. we knew that today would be a day where this is once in a blue moon, historic number. the best number ever on banking. we know where that comes from. combined with drama. that has been highlighted to a different extent. the good news is, stabilization came in the market seems to the risk what was out there and was potentially which still had some hidden dead bodies in the cupboard. this seems not to be the case. that seems to be under control and i think investors reacted positively. >> a couple weeks ago ubs said they will not lean on the government anymore. that gave the initia

if you buy 200 thousand tomans , 120 thousand tomans will be charged for the credit of the new credit. if you have bought 520,000 tomans, let's make a shopping cart, then the collection you can buy from the collection of 520,000 tomans, the new subsidy is 320,000 tomans, the starting saddle will cause us to spend freely . how is it charged in the account of a famous person ? let's buy this product. i have a meeting with you. after spending 200,000 tomans, 120,000 tomans will come from the subsidy. in your account, the credit will be in the people's account from last night, and the user company will estimate the cost of 1,000 tomans to use it opens when you open it buy 120,000 tomans of items. you can spend freely. how long do we have to buy? i am asking people to use this privilege. in addition to this inflationary gap of that season , we have 120,000 tomans . what was our plan in the previous capital? it was supposed to be no matter how much is created, we will take 200 thousand tomans from the people, we will force the government to add 120 thousand tomans and it is ready for you to

it's hard not to notice the legendary credit card by alpha banks. order a credit card now shopping.ht they don't go with these anymore. well, shorty, right? so i understand. this is rustam karimov goodbye. sorry, boar and why should i regret not yab. so his other who called so the wolves gnawed. we were chrome. well, chroma is not chroma , you can’t prove it now. but the fact that now is not the season to shoot zucchini is a fact. so, dear person, you got under the article, the article is such a fine from 25 to 40,000. why are you telling me accounting here, and i have a child, there is nothing to eat, last name, first name, surname. sosnovka come back , come on in. well, really, what kind of people have gathered for me? hello hello sleigh good to see you brother. please note your return alyonushka or completely switched to tea. like this. thank you. that's right, brother. you have a position. he held the zone correctly. i know my own position. it’s crowded in moscow right now, but there is a good option, and there are your relatives in navra, avdey, who was watching, but he was tig

in this trip, the lack of financial credit for the projects left on the ground is solved.this is the main goal of the government. the completion of half-finished projects is unique, and the growth of shasta persian gulf holding is the country's pension fund. together with 7 other companies and three banks, a total of 48 thousands of tomans to around € 1 billion and € 5 million in the province's fateful projects. most of these projects, emphasizing the field of energy and petrochemical industries, an important goal of preventing crude sales and focusing on the value added of petroleum and gas products with economic propulsion and companies. big, heavy wires, and he said, "you have these four people, i will buy wire . let's activate domestic investment in the country. this is the first area of ​​economic progress , various steels, investment in the country. second , banks, cleaning yasir. freeze a saman bank building, which we believe should come in the country." where was it produced? a month later, the president is a guest of tabrizi and we welcome the governorate of east

you can see the credit level right where you enter . i don't have a smart phone app. i can use the command code. star 500. star 1463 square command. the commander is there and he will give you the purchase, i will explain to you, you will make requests that after entering the national code , he will determine the remaining credit. someone has a problem in using the product. mayon let me know where we can track the protest outside of this process that we have defined. our protest goes back to the support site that people can use the support site in the region period. let's see if there is a connection i will interact with the shops. let me ask your questions. it was outside of these two. i must do it. where should i go to our general offices at the level of provinces and cities in the form of subsidies ? follow the conversation about this. it was eight years ago that the new mines of the households were formed for the payment of cash subsidies and their fair distribution in the belts that caused protests . we have to do it in order to avoid getting it according to the

the top credit is the most valuable credit by head and shoulders in the inflation reduction act in terms of dollars per energy as well as dollars per energy abated. if the hydrogen is used to abate dirty gray hydrogen and 400 $50 per ton of co2 abated if you add on the stack ability of the clean electricity credits. 300 if you exclude it. low cost hydrogen as jason mentioned is a core building block of a low carbon economy. and if designed well, the credit is perfectly designed to cover and make decarbonization of financially competitive in heavy industries critical to the modern economy. but to achieve this vision of decoupling from fossil fuel, there is a puzzle at the heart of this credit. that puzzle will define the next era of the energy transition. over the past two years the puzzle has drawn in 20 staff across every program. almost every program in our institute. and lead to all beds, countless reports and fancy baseball podcast advertisements. it centered around one question, how do you prove the electricity you are consuming is low carbon when you have a dirtier grade? to unders

get a free vtb super credit card, switch to vtb and that's it, sberbank presents a credit potential servicer dreams. find out in advance the amount and conditions for all loans available to you. calculate the credit potential in sberbank online directly now and apply for a loan. at the lowest rate in sberbank from four percent. in the first month. we did it together. it's only thanks to you that we created starry exciting smart cool trust we figure it out together. how the world works, our entertainment programs are better on domestic television. she is always popular with viewers. you watch us , we thank you for this. thank you. thank you. thank you. thank you. thanks to music , not only the winners of the golden gramophone of 2022 will perform in front of you. well, the winners awards over the years. around her twisted called. i raise my hands. i want to surrender to you. how to accelerate golden gramophone laureates of the ceremony in st. petersburg. it's me between us lightning happy birthday saturday at 23:00 on ntv i have a question, come on. listen, you didn't happen to hear anything

ubs said it is engaged with credit suisse quiets -- credit suisse client seeing confidence returningositive trends into positive flows continuing into july and august. those shares are up over 30% year-to-date. options implying a one-day move of 4.8% after the results. we will keep an eye on that. we are going to be bringing an interview with the ubs ceo sergio ermotti from zurich coming to you in a few minutes. it's the end of the month. let's just take a moment to reflect on the price action. rates have been all over the place this month. two year treasury yields hitting a low of 4.71%, bouncing up to 5.1%. stronger dollar, weaker china data, cooling momentum in japan also weighing on stocks this month. the s&p 500 still heading for the worst month since february. and september is historically the weakest month for the s&p 500. you have all of that to look forward to. but stay tuned for that interview with sergio ermotti coming up next right here on bloomberg. next is markets today. this is bloomberg. this is bloomberg. ♪ tom: this is bloomberg markets today. mark cudmore joins us

we will see more people who are moving to universal credit to - are moving to universal credit to findt— are moving to universal credit to find that they _ are moving to universal credit to find that they have _ are moving to universal credit to find that they have a _ are moving to universal credit to find that they have a tax - are moving to universal credit to find that they have a tax credit . find that they have a tax credit overpayments _ find that they have a tax credit overpayments they _ find that they have a tax credit overpayments they didn't - find that they have a tax credit| overpayments they didn't know find that they have a tax credit - overpayments they didn't know they had. overpayments they didn't know they had~ this _ overpayments they didn't know they had~ this will— overpayments they didn't know they had. this will be — overpayments they didn't know they had. this will be an— overpayments they didn't know they had. this will be an excellent - overpayments they didn't know they had. this will be an excellent time l had. this will be an excellent time for the _ had.

there also in a different credit loss situation. ginnie mae, because of our issuer-based model with every explicit guarantee, we are essentially in a position that means we stand behind a number of counterparties before we take any losses in the government. we essentially do not create underwriting guidelines. we secure loans that are made under the guidelines of federal agencies that make mortgages. we don't influence that process. we work with those agencies closely to make sure we understand the guidelines we understand what's in the securities underlying those. and then we obviously manage the risk of the counterparties and their counterparties are the issuers. it's a very different model that puts us in a better loss position than you might see. i should have mentioned this at the top -- on august 1, ginnie mae celebrated its 55th birthday. 55 years of great work without interruption on behalf of the federal government. going from a $500 million enterprise to an almost $2.5 trillion organization so the growth has been incredibl

if you have bad credit, your rate is likely around 30%. >> you have credit card debt?ncisco's layla decker used credit card debt strategically to get her education. she was just as strategic one paying off her debt. >> how did you get out of it? >> work extra, take job during college. >> smart. she says nearly half of us can learn from it. >> we found 47 percent of credit cardholders carry debt from month-to-month. two years ago it was 39%. 60% have had debt for a year. >> there are plenty of credit card deals that offer 0% interest for a year. sometimes more. it can help you get out of debt. they often come with a higher interest rate once interest is charged again. dan: if you don't make the deadline. >> if you don't pass the year. it also backs up all the interest you did not pay. >> it is tough, and with inflation, people -- make you. ama: get ready for some warmer weather coming our way. the seven-day forecast next. i was on a journey for a really long time to find some relief. cosentyx works for me. cosentyx helps real people get real relief from the symptoms of

vtb super credit card buyers, real super power buy more super power. joy as much and when you want the super ability to receive everything at once and even more, for this it is not at all necessary to be a superhero. apply for a free vtb super credit card go to vtb and that's it, you get a police brotherhood from monday at 20:00 on ntv, a branch damaged the roof, a small leak. it can grow into a big problem and cost you tens of thousands for repairs . fix pro 3 liquid rubber in one in a couple of minutes will close any crack or leak without special skills and helpers, liquid rubber. this is an innovative material that combines the properties of a rubber sealant and an adhesive to form an elastic material. the secret seal completely blocks penetration. in the lava, closing any leaks, the pipe flows the roof under the self-tapping screws broke the hose, a fix about three in one will solve any problem, three colors, black white and transparent, do not throw away, a cracked pot. just apply liquid rubber and a pot to the crack. again, as new, liquid rubber

120 thousand tomans added credit . how much is left? relationship our communication and interaction is your credit level. you can see your credit level because your application is installed on the head of the household's phone . you can see the credit level right where you enter . you don't have a smart phone app. you can use the command code . i will explain to you . out from this process that we have defined, our objection goes back to the support site that people do not have access, the district course used the support site . if they ask, it was outside of these two, they should definitely refer to our general offices at the level of provinces and cities , they have subsidies , subsidies, the organization of targeting subsidies, and we will come back with a report about household tithing. continue the conversation in this it was eight years ago that the families were given new decrees to pay cash subsidies and distribute them fairly. in the belts that were followed by protests, i was well-being . giving 400 tomans, 300 tomans for a p

concerned about the level of risk in high credit quality relative to those credits that will be weakoined a term for this year, idiosyncratic risk. it is the one-off credits, cycle participants that you don't see that are going to start to build. that is where we see defaults piling up and the liquid sees start to increase. guy: on the other hand, doesn't that speak to the idea that that is really good for big tech? big tech has ai, which at some point will be fantastic, loads of cash on the balance sheet earning loads of money. big tech is effectively a saver. has some growth potential. doesn't that all add up to some logic around while you want to own big tech? all kinds of factors coming together here. alix: that is what tech is, long-duration growth play. anne, is guy right? anne: i will paraphrase somebody else when i say the markets over anticipate the benefits of technology in the short run, under anticipate its value in the long run. i would suggest this exactly the same story. in the very long-run, technology will be a huge tailwind to our economy, productivity. i'm very pos

because we think that is a great great driver of more production, cra credit, and esg credit could be a really positive thing, and also keep banks involved, which banks have been involved. i mentioned we transition from a 90-10 bank-non-bank to now completely flipped where nonbanks are dominant. but if we keep the incentives there on the investment side of banks participating in that program, it feels like a win-win and a great way to continue to keep the banks involved and engaged in a meaningful way. in making housing finance flow in this country, so that, it is, it is another idea. many ideas were put on the table during the cra rulemaking and we are anxious to see where everything lands with that once they come out with that. >> anybody else have a question here? any questions from the virtual audience? yes. sophia. are there any updates on ginnie mae's efforts to reform the title i program for personal property loans for manufactured homes? good question. >> yes. it is a good question. it is probably a jennie may purse and or fha person that planted that one. [laughter] so there

what is going on with their private credit fund?like we're squarely in the golden era of private capital. >> definitely, dani, the golden era. especially in the context of very difficult financing. we've got private credit coming the flavor of the month really for financing deals. a traditional area for wall street banks. now we see alternative asset managers like oaktree getting more involved into private credit. $18 billion more, that is the target for this new fund. depending on investor demand, that figure can still change but the reality is there is so much demand for this specific area of credit. but i wouldn't be surprised if that figure potentially increases. which is interesting because we see a lot of alternative asset managers struggling to reach the target, particularly on areas such as private equity. we have seen a number of firms downsizing, or delaying fundraising. it would be super interesting to see how this plays out for oaktree. very well known in the area of distress for many many years. we will see how this pan

in some cases, that is private credit.ly taking the place of clo's that may not be interested in continuing to lend. sonali: that's an interesting question about the clo market because it is a story we have not doubled down on. how much capacity is there and is there concern you are not going to be able to offload leverage loans into the clo market as we have in the past? brendan: for sure. a cats back to the lower credit ratings and the fact that, for those companies, it is tough now to place those in clo's. newer clo's are focused on higher credit quality names. in some cases, we see private credit come in and replace that demand. in many, we will have to use that creativity of liability management and look to raise capital on the other ways. sonali: we see a jump in the 10 year and 30 year and longer our wing costs -- longer-term borrowing costs rising. what does this mean for companies borrowing today? you see this downgraded to the united states but the ripple effects, i am wondering if the worst of the worst in the c

yes, so the algorithm is on the nut to register that e credit. you are a credit card.il by electric? well, well, no, no, no, let's all credit card. so, where on the credit card. i already advise you. well , because it's very close. well, yes, this is a pin code, not a pin code. this is a barcode, not a barcode, not a magnetic stripe. no, no, self-service with a credit card, but somewhere out there well, well, well, well were credit cards were not an advantage you have the answer. wait already, because the algorithm itself is the algorithm itself, where on the credit card. no, it's easier. algorithm number number number now pulled i'm practically out of you the correct answer. i saw your sad eyes and decided to play along a little. tell me what an algorithm is. yes, i will explain the word credit card number you did not sound no, no the word sounded good the number of this card algorithm, where i will tell, i will tell you first. show the correct answer on the bank cards screen is definitely credit, but also on credit and debit cards. here is the number. yes, this is th

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wasn't very interesting high yield was yielding 4% and when you have a credit book like our liquid credit book and others that are 8 and 10% and the private credit books that are 12 to 14%, debt's really interesting. that's the best return for credit we've seen in a generation so when you shave a few hundred basis points, we should come back and talk about it but until that happens, and as long as the fed keeps rates here, we're going to be just cha ching,generating those returns through cash flows, through coupons. >> we also want to talk about another interesting opportunity that you're eyeing amc. debt around the writers strike what's the plan here >> amc, great company and you know, i tried to get into see barbie and oppenheimer twice and have been turned away. have very little time. there's a couple of times i can go, sold out i'll go before the summer's over it's a promise but let's talk about amc the age merging with the equity then subsequently doing a ten for one reverse split. that conversion allows management to issue up to $8 billion of equities. now we don't think they're goi

what will this do to gabon�*s credit rating? it what will this do to gabon's credit ratin: ?ating? it won't change the nation's credit rating. _ rating? it won't change the nation's credit rating, but _ rating? it won't change the nation's credit rating, but we _ rating? it won't change the nation's credit rating, but we have - rating? it won't change the nation's credit rating, but we have been - rating? it won't change the nation's| credit rating, but we have been able to assign a very good credit rating to assign a very good credit rating to assign a very good credit rating to a small part, to 4% of our debts, and we hope we will be able to replicate the sort of deal for the oceans, but also for our forests and by doing this partnership with the us we elevate our credit ratings and make these sorts of deals much more viable. ., ~' , ., do not adjust your set. you are not seeing double. this little fellow was born a month ago with two heads and the odds of that are thought to be about one in 100,000. fit, and the odds of that are thought to be about one in 100,000. fix, bit a

you can see the amount of credit. i don't have a smart phone program . you don't have a smart phone anymore. you can use it. there are 500 stars, 1463 square meters . there are three commanders. i will explain the second command that tells you to specify the credit. enter the national code that you give yourself, it will determine the remaining credit. if there is a problem in using the invoice, and if there is any communication problem, the payment cannot be made, or there are all kinds of problems, i will tell you where to report it, where can we follow up, and protest outside of this process that we have defined. our protest was returned to the support site that people can not access the region period they used the support site i see their pain and their information can be used from your application to see their credit i can communicate see the food they interact and ask their questions where to go to our general offices at the province and city level provide more than 110,000 stores with better connectivity . acceptable repeatedly it has been explain

the thing is, any credit, uh, story. it complexly consists of various kinds of additions and people do not always pay attention to this and some other unrelated obligations arise in the process of fulfilling obligations. actually with the loan itself with the provision of those related services. e. well, for example, alerts. uh and so on. it seems to be a penny, but of such a cop. in general , unforeseen costs also add up. banks. they will also have to inform the client that he has the right to refuse any of these services. and if on credit according to the agreement, the stipulated 2% rate should be calculated in two versions, the minimum and maximum . they suggested that hmm indicate all payments, not only to the bank, but also in favor of third parties. that is, if e, the conditions of deposits include insurance, for example, in life and health, or there a car loan includes car insurance necessarily, then this should also be included. here, in this cost of the loan, it is clearly indicated so that people can easily an