HBOS plc http://www.alacrastore.com/company-snapshot/HBOS_plc-2504517 28 Nov 2009 05:33:16 EST 2504517 HBOS plc en AlacraStore RSS Builder 1.0 30 http://www.alacrastore.com/research/moodys-global-credit-research-Moody_s_concludes_rating_action_on_Lloyds_hybrid_and_junior_subordinated_debt-PR_190794_87760PR_190794_87760moodys/PR_190794_87760html24 Nov 2009 07:33:54 ESThtmlBank of Scotland Capital Funding L.P.Bank of Scotland plcCheltenham & Gloucester plcHalifax plcHBOS Capital Funding No. 1 L.P.HBOS CAPITAL FUNDING NO. 3 L.P.HBOS Capital Funding No. 4 L.P.HBOS Group Euro Finance (Jersey)HBOS Group Sterling Finance L.P.HBOS plcLeeds Permanent Building SocietyLloyds Banking Group plcLloyds TSB Bank PlcLloyds TSB Capital 1 L.P.Lloyds TSB Capital 2 L.P.Scotland International Finance No. 2 B.V.Bank of Scotland Capital Funding L.P.; Bank of Scotland plc; Cheltenham & Gloucester plc; ...8776022242369245844956560000836560001888460005162860005162960005211060005211160005256660006147880658885982085196382126245187760150.000023 Nov 2009NewsRating ActionCGlobal Credit Research Rating Action ## NOV #### Rating Action: Bank of Scotland plc Moody's concludes rating action on Lloyds hybrid and junior subordinated debt London, ## November #### -- Moody's has today taken rating actions on...143602224236924582463449565449570449575449590543900600008365600008969600009231600009496600012230600016357600017684600018884600022330600022503600037278600039667600040951600044541600050576600050583600051628600051629600052110600052111600052566600052749600052750600061478600064860806588859806783463807579773808776672808821278820736710820835992820851963820889229821025438821262451877609110093300JERSEYNETHERLANDSUNITED KINGDOMUNITED STATESBANKING600018884Credit & Investment ResearchMoody's Global Credit Researchhttp://www.alacrastore.com/research/creditsights-Lloyds_Banking_Group_Exchanges_Oversubscribed-9175591755cs/91755normWWTemplatesadamsonhboslloyds_tsbhboslloyds_tsbunited_kingdomunited_kingdom9175523 Nov 2009 06:09:23 ESTYes91755150CreditSights Inceuropeeuropebanksfinancial_servicesbanksfinancial_servicesPublishedcompanies_withnvertibleseuro_markets_issuerscompanies_withnvertibleseuro_markets_issuers Lloyds Banking Group: Exchanges Oversubscribed Lloyds Banking Group (A#/A/AA-) has released the results of its Non-US Exchange Offer (into Enhanced Capital Notes - ECNs - or shares, via the Exchange Consideration Amount - ECA) and an...WorthWatchingWorth Watching481Credit & Investment ResearchCreditSightshttp://www.alacrastore.com/research/fitch-ratings-Lloyds_Banking_Group_plc-485526_report_frame485526_report_framefitch/485526_report_framepdfBank of Scotland plcHBOS plcLloyds Banking Group PLCLloyds TSB Bank plc8035954680359914803599158036231917 Nov 2009 02:42:00 EST01010100165Credit UpdateLLOYFitch Ratings is a leading global rating agency committed to providing the world's credit markets with independent, timely and prospective credit opinions. Built on a foundation of organic growth and strategic acquisitions, Fitch Ratings has grown rapidly during the past decade gaining market presence throughout the world and across all fixed income markets.ARGDEUESPGBRINDMEXRUSUSA0101000001010100010200000103000001031000020200000300000003010000030108000302000003030000040000000401000004020000Credit & Investment ResearchFitch Researchhttp://www.alacrastore.com/research/creditsights-Lloyds_Banking_Group_ECNs_Neither_Fish_Nor_Fowl-9126791267cs/91267normWWTemplatesadamsonhboslloyds_tsbhboslloyds_tsbunited_kingdomunited_kingdom9126712 Nov 2009 06:09:54 ESTYes91267150CreditSights Inceuropeeuropebanksfinancial_servicesbanksfinancial_servicesPublishedcompanies_withnvertibleseuro_markets_issuerscompanies_withnvertibleseuro_markets_issuersWorthWatchingWorth Watching705 Lloyds Banking Group: ECNs - Neither Fish Nor Fowl Lloyds Banking Group (A#/A/AA-) announced that it is increasing the maximum amount of Enhanced Capital Notes (ECNs) it may issue under its Non-US Exchange Offer from £#.# bln to £#.#...Credit & Investment ResearchCreditSightshttp://www.alacrastore.com/research/creditsights-UK_RMBS_When_a_Master_Trust_Dies_It_Dies_Slowly-9124491244cs/91244normArticleTemplatePrincipal repayment on UK mortgages rates have collapsed. The drop in repayments exposes holders of master-trust RMBS to the risk of a very long repayment schedule.dwattshgaletovabradford_bingleyhboslloyds_tsbnorthern_rockbradford_bingleyhboslloyds_tsbnorthern_rockunited_kingdomunited_kingdom9124411 Nov 2009 11:09:38 ESTYes91244150CreditSights Inceuropeeuropebanksfinancial_servicesbanksfinancial_servicesPublishedmortgagesstrategystructured_productssubprimemortgagesstrategystructured_productssubprimeStrategyCommentStrategy Analysis1998 UK RMBS: When a Master Trust Dies, It Dies Slowly Principal repayment rates have collapsed to their lowest level since at least ####, according to Bank of England data. This fall in repayments is creating a risk that holders of RMBS...Credit & Investment ResearchCreditSightshttp://www.alacrastore.com/research/creditsights-UK_Banks_Another_Cunning_Plan-7888778887cs/78887normArticleTemplateThe government finds yet more ways to protect UK banks - but will it be enough to save the economy?sadamsonbarclayshboshsbc_holdingslloyds_tsbnorthern_rockroyal_bank_of_scotlandbarclayshboshsbc_holdingslloyds_tsbnorthern_rockroyal_bank_of_scotlandunited_kingdomunited_kingdom7888709 Nov 2009 11:51:58 ESTYes78887150CreditSights Inceuropeeuropebanksfinancial_servicesbanksfinancial_servicesPublishedSectorCommentSector Analysis2094 UK Banks: Another Cunning Plan The UK government takes on yet another guise to support banks - that of a giant credit insurer, aping measures already taken by the US authorities The measures will continue to support the creditworthiness...aareal_bankaareal_bankabn_amroabn_amroaegonaegonaffiliated_managersaffiliated_managersalliance_leicesteralliance_leicesteralliancebernsteinalliancebernsteinallianzallianzallied_irishallied_irishamerican_expressamerican_expressameriprise_financialameriprise_financialamvescapamvescapanglo_irish_bankanglo_irish_bankanzanzassociated_bancassociated_bancastoria_financialastoria_financialavivaavivaaxaaxabanca_italeasebanca_italeasebanca_lombardabanca_lombardabanca_monte_dei_paschi_di_sienabanca_monte_dei_paschi_di_sienabanca_popolare_di_milanobanca_popolare_di_milanobanca_popolare_italianabanca_popolare_italianabancajabancajabanche_popolari_unitebanche_popolari_unitebanco_bilbao_vizcaya_argentariabanco_bilbao_vizcaya_argentariabanco_bradescobanco_bradescobanco_comercial_portuguesbanco_comercial_portuguesbanco_de_chilebanco_de_chilebanco_de_sabadell_sabanco_de_sabadell_sabanco_espirito_santobanco_espirito_santobanco_itaubanco_itaubanco_popolarebanco_popolarebanco_popular_espanolbanco_popular_espanolbanco_santander_central_hispanobanco_santander_central_hispanobangkok_bankbangkok_bankbank_of_americabank_of_americabank_of_chinabank_of_chinabank_of_communicationsbank_of_communicationsbank_of_east_asiabank_of_east_asiabank_of_irelandbank_of_irelandbank_of_montrealbank_of_montrealbank_of_new_york_mellonbank_of_new_york_mellonbank_of_nova_scotiabank_of_nova_scotiabankgesellschaft_berlinbankgesellschaft_berlinbarclaysbarclaysbawagbawagbayerische_landesbankbayerische_landesbankbbtbbtblackrockblackrockbnp_paribasbnp_paribasbradford_bingleybradford_bingleycaja_madridcaja_madridcapital_onecapital_onecapitaliacapitaliacharles_schwabcharles_schwabchina_citicchina_citicchina_construction_bankchina_construction_bankchina_international_capitalchina_international_capitalcibccibccitcitcitigroupcitigroupcomericacomericacommerzbankcommerzbankcommonwealth_bank_of_australiacommonwealth_bank_of_australiacorealcredit_bankcorealcredit_bankcredit_agricolecredit_agricolecredit_suissecredit_suissedaiwa_bankdaiwa_bankdanske_bankdanske_bankdepfa_bankdepfa_bankdeutsche_bankdeutsche_bankdexiadexiadnb_nordnb_nordowney_financialdowney_financialdz_bankdz_bankeaton_vanceeaton_vanceefg_eurobank_ergasiasefg_eurobank_ergasiasegg_plcegg_plcentenialentenialerste_bankerste_banketradeetradeeurekoeurekoeurohypoeurohypofdicfdicfederated_investorsfederated_investorsfifth_third_bancorpfifth_third_bancorpfirst_horizon_nationalfirst_horizon_nationalfortisfortisfranklin_resourcesfranklin_resourcesgamco_investorsgamco_investorsgeneral_electricgeneral_electricgeneral_electric_capitalgeneral_electric_capitalgeneral_motorsgeneral_motorsgeneraligeneraliglitnir_bankglitnir_bankgmacgmacgoldman_sachsgoldman_sachshannover_rehannover_rehboshboshome_depothome_depothousehold_internationalhousehold_internationalhsbc_financehsbc_financehsbc_holdingshsbc_holdingshsh_nordbankhsh_nordbankhuntington_bancshareshuntington_bancshareshvbhvbhypo_alpe_adria_bankhypo_alpe_adria_bankhypo_real_estate_bankhypo_real_estate_bankiasis_healthcareiasis_healthcareici_1ici_1ikb_deutsche_industriebankikb_deutsche_industriebankindustrial_and_commercial_bank_of_chinaindustrial_and_commercial_bank_of_chinaingingintesa_sanpaolointesa_sanpaoloirwinirwinjanus_capitaljanus_capitaljpmorgan_chasejpmorgan_chasejyske_bankjyske_bankkaupthing_bankkaupthing_bankkbc_bankkbc_bankkeycorpkeycorpkookmin_bankkookmin_bankla_caixala_caixalandesbank_baden_wuerttemberglandesbank_baden_wuerttemberglandesbank_berlinlandesbank_berlinlandesbank_sachsenlandesbank_sachsenlandsbankilandsbankilegg_masonlegg_masonlehman_brotherslehman_brotherslloyds_tsblloyds_tsbmalayan_bank_berhadmalayan_bank_berhadmarshall_ilsleymarshall_ilsleymillea_holdingsmillea_holdingsmitsubishi_ufj_financialmitsubishi_ufj_financialmizuho_holdingsmizuho_holdingsmorgan_stanleymorgan_stanleymt_bankmt_bankmunich_remunich_renational_australia_banknational_australia_banknational_bank_of_greecenational_bank_of_greecenationwide_building_societynationwide_building_societynatixisnatixisnew_century_financialnew_century_financialnew_york_communitynew_york_communitynibc_banknibc_banknomura_holdingsnomura_holdingsnorddeutsche_landesbanknorddeutsche_landesbanknordeanordeanorthern_rocknorthern_rocknorthern_trustnorthern_trustnuveen_investmentsnuveen_investmentsnymex_holdingsnymex_holdingsoccoccoko_bankoko_bankomega_healthcare_investorsomega_healthcare_investorsotp_bankotp_bankoversea_chinese_bankingoversea_chinese_bankingparmalatparmalatpnc_financial_servicespnc_financial_servicespopularpopularprudential_financialprudential_financialrabobankrabobankregions_financialregions_financialresidential_capitalresidential_capitalresona_holdingsresona_holdingsrheinland_pfalz_bankrheinland_pfalz_bankroyal_bank_of_canadaroyal_bank_of_canadaroyal_bank_of_scotlandroyal_bank_of_scotlandroyal_sun_allianceroyal_sun_alliancerzbrzbscotia_pacificscotia_pacificsebsebshinhan_financialshinhan_financialshinsei_bank_limitedshinsei_bank_limitedsivb_financialsivb_financialslmslmsns_banksns_banksociete_generalesociete_generalestandard_charteredstandard_charteredstate_bank_of_indiastate_bank_of_indiastate_streetstate_streetsumitomo_mitsui_bankingsumitomo_mitsui_bankingsuntrust_bankssuntrust_bankssvenska_handelsbankensvenska_handelsbankenswedbankswedbankswiss_reinsuranceswiss_reinsurancet_rowe_pricet_rowe_pricetd_ameritradetd_ameritradetoronto_dominiontoronto_dominionubsubsunicreditunicreditunionbancalunionbancalunipolunipolunited_overseas_bankunited_overseas_bankus_bancorpus_bancorpwaddell_reedwaddell_reedwashington_mutualwashington_mutualwells_fargowells_fargowestlbwestlbwestpacwestpacwoori_financialwoori_financialzions_bancorporationzions_bancorporationzurich_financialzurich_financialCredit & Investment ResearchCreditSightshttp://www.alacrastore.com/research/creditsights-UK_Mortgage_Lenders_Part_1_Home_Comforts-6044660446cs/60446normArticleTemplateUK mortgage lenders are feeling the strain but are strong enough to cope with a downturnsadamsonalliance_leicesterbanco_santander_central_hispanobarclaysbradford_bingleybritannia_building_societyhboshsbc_holdingslloyds_tsbnationwide_building_societynorthern_rockroyal_bank_of_scotlandalliance_leicesterbanco_santander_central_hispanobarclaysbradford_bingleybritannia_building_societyhboshsbc_holdingslloyds_tsbnationwide_building_societynorthern_rockroyal_bank_of_scotlandunited_kingdomunited_kingdom6044609 Nov 2009 11:51:57 ESTYes60446150CreditSights Inceuropeeuropebanksfinancial_servicesbanksfinancial_servicesPublishedmortgagessubprimemortgagessubprimeSectorCommentSector Analysis2249 UK Mortgage Lenders: Part # - Home Comforts Pressures are building in the UK mortgage market thanks to higher interest rates, flattening house prices and increasing arrears and repossessions UK mortgage lenders are feeling the strain...aareal_bankaareal_bankabn_amroabn_amroaegonaegonaffiliated_managersaffiliated_managersalliance_leicesteralliance_leicesteralliancebernsteinalliancebernsteinallianzallianzallied_irishallied_irishamerican_expressamerican_expressameriprise_financialameriprise_financialamvescapamvescapanglo_irish_bankanglo_irish_bankanzanzassociated_bancassociated_bancastoria_financialastoria_financialavivaavivaaxaaxabanca_italeasebanca_italeasebanca_lombardabanca_lombardabanca_monte_dei_paschi_di_sienabanca_monte_dei_paschi_di_sienabanca_popolare_di_milanobanca_popolare_di_milanobanca_popolare_italianabanca_popolare_italianabancajabancajabanche_popolari_unitebanche_popolari_unitebanco_bilbao_vizcaya_argentariabanco_bilbao_vizcaya_argentariabanco_bradescobanco_bradescobanco_comercial_portuguesbanco_comercial_portuguesbanco_de_chilebanco_de_chilebanco_de_sabadell_sabanco_de_sabadell_sabanco_espirito_santobanco_espirito_santobanco_itaubanco_itaubanco_popolarebanco_popolarebanco_popular_espanolbanco_popular_espanolbanco_santander_central_hispanobanco_santander_central_hispanobangkok_bankbangkok_bankbank_of_americabank_of_americabank_of_chinabank_of_chinabank_of_communicationsbank_of_communicationsbank_of_east_asiabank_of_east_asiabank_of_irelandbank_of_irelandbank_of_montrealbank_of_montrealbank_of_new_york_mellonbank_of_new_york_mellonbank_of_nova_scotiabank_of_nova_scotiabankgesellschaft_berlinbankgesellschaft_berlinbarclaysbarclaysbawagbawagbayerische_landesbankbayerische_landesbankbbtbbtblackrockblackrockbnp_paribasbnp_paribasbradford_bingleybradford_bingleycaja_madridcaja_madridcapital_onecapital_onecapitaliacapitaliacharles_schwabcharles_schwabchina_citicchina_citicchina_construction_bankchina_construction_bankchina_international_capitalchina_international_capitalcibccibccitcitcitigroupcitigroupcomericacomericacommerzbankcommerzbankcommonwealth_bank_of_australiacommonwealth_bank_of_australiacorealcredit_bankcorealcredit_bankcredit_agricolecredit_agricolecredit_suissecredit_suissedaiwa_bankdaiwa_bankdanske_bankdanske_bankdepfa_bankdepfa_bankdeutsche_bankdeutsche_bankdexiadexiadnb_nordnb_nordowney_financialdowney_financialdz_bankdz_bankeaton_vanceeaton_vanceefg_eurobank_ergasiasefg_eurobank_ergasiasegg_plcegg_plcentenialentenialerste_bankerste_banketradeetradeeurekoeurekoeurohypoeurohypofdicfdicfederated_investorsfederated_investorsfifth_third_bancorpfifth_third_bancorpfirst_horizon_nationalfirst_horizon_nationalfortisfortisfranklin_resourcesfranklin_resourcesgamco_investorsgamco_investorsgeneral_electricgeneral_electricgeneral_electric_capitalgeneral_electric_capitalgeneral_motorsgeneral_motorsgeneraligeneraliglitnir_bankglitnir_bankgmacgmacgoldman_sachsgoldman_sachshannover_rehannover_rehboshboshome_depothome_depothousehold_internationalhousehold_internationalhsbc_financehsbc_financehsbc_holdingshsbc_holdingshsh_nordbankhsh_nordbankhuntington_bancshareshuntington_bancshareshvbhvbhypo_alpe_adria_bankhypo_alpe_adria_bankhypo_real_estate_bankhypo_real_estate_bankiasis_healthcareiasis_healthcareici_1ici_1ikb_deutsche_industriebankikb_deutsche_industriebankindustrial_and_commercial_bank_of_chinaindustrial_and_commercial_bank_of_chinaingingintesa_sanpaolointesa_sanpaoloirwinirwinjanus_capitaljanus_capitaljpmorgan_chasejpmorgan_chasejyske_bankjyske_bankkaupthing_bankkaupthing_bankkbc_bankkbc_bankkeycorpkeycorpkookmin_bankkookmin_bankla_caixala_caixalandesbank_baden_wuerttemberglandesbank_baden_wuerttemberglandesbank_berlinlandesbank_berlinlandesbank_sachsenlandesbank_sachsenlandsbankilandsbankilegg_masonlegg_masonlehman_brotherslehman_brotherslloyds_tsblloyds_tsbmalayan_bank_berhadmalayan_bank_berhadmarshall_ilsleymarshall_ilsleymillea_holdingsmillea_holdingsmitsubishi_ufj_financialmitsubishi_ufj_financialmizuho_holdingsmizuho_holdingsmorgan_stanleymorgan_stanleymt_bankmt_bankmunich_remunich_renational_australia_banknational_australia_banknational_bank_of_greecenational_bank_of_greecenationwide_building_societynationwide_building_societynatixisnatixisnew_century_financialnew_century_financialnew_york_communitynew_york_communitynibc_banknibc_banknomura_holdingsnomura_holdingsnorddeutsche_landesbanknorddeutsche_landesbanknordeanordeanorthern_rocknorthern_rocknorthern_trustnorthern_trustnuveen_investmentsnuveen_investmentsnymex_holdingsnymex_holdingsoccoccoko_bankoko_bankomega_healthcare_investorsomega_healthcare_investorsotp_bankotp_bankoversea_chinese_bankingoversea_chinese_bankingparmalatparmalatpnc_financial_servicespnc_financial_servicespopularpopularprudential_financialprudential_financialrabobankrabobankregions_financialregions_financialresidential_capitalresidential_capitalresona_holdingsresona_holdingsrheinland_pfalz_bankrheinland_pfalz_bankroyal_bank_of_canadaroyal_bank_of_canadaroyal_bank_of_scotlandroyal_bank_of_scotlandroyal_sun_allianceroyal_sun_alliancerzbrzbscotia_pacificscotia_pacificsebsebshinhan_financialshinhan_financialshinsei_bank_limitedshinsei_bank_limitedsivb_financialsivb_financialslmslmsns_banksns_banksociete_generalesociete_generalestandard_charteredstandard_charteredstate_bank_of_indiastate_bank_of_indiastate_streetstate_streetsumitomo_mitsui_bankingsumitomo_mitsui_bankingsuntrust_bankssuntrust_bankssvenska_handelsbankensvenska_handelsbankenswedbankswedbankswiss_reinsuranceswiss_reinsurancet_rowe_pricet_rowe_pricetd_ameritradetd_ameritradetoronto_dominiontoronto_dominionubsubsunicreditunicreditunionbancalunionbancalunipolunipolunited_overseas_bankunited_overseas_bankus_bancorpus_bancorpwaddell_reedwaddell_reedwashington_mutualwashington_mutualwells_fargowells_fargowestlbwestlbwestpacwestpacwoori_financialwoori_financialzions_bancorporationzions_bancorporationzurich_financialzurich_financialCredit & Investment ResearchCreditSightshttp://www.alacrastore.com/research/creditsights-UK_Mortgage_Lenders_Part_2_Sub_prime_Sub_plot-6056160561cs/60561normArticleTemplateThe UK sub-prime mortgage market is not facing the same meltdown as in the US, but we do expect increasing problems for lendersnkwofiesadamsonalliance_leicesterbritannia_building_societyhbosnorthern_rockalliance_leicesterbritannia_building_societyhbosnorthern_rockunited_kingdomunited_kingdom6056109 Nov 2009 11:51:57 ESTYes60561150CreditSights Inceuropeeuropebanksfinancial_servicesbanksfinancial_servicesPublishedmortgagessubprimemortgagessubprimeSectorCommentSector Analysis2546 UK Mortgage Lenders: Part # - Sub-prime Sub-plot The pressures that are building in the wider UK mortgage market are most dangerous in the sub-prime segment It is a smaller part of the mortgage market than in the US, and lending practices...aareal_bankaareal_bankabn_amroabn_amroaegonaegonaffiliated_managersaffiliated_managersalliance_leicesteralliance_leicesteralliancebernsteinalliancebernsteinallianzallianzallied_irishallied_irishamerican_expressamerican_expressameriprise_financialameriprise_financialamvescapamvescapanglo_irish_bankanglo_irish_bankanzanzassociated_bancassociated_bancastoria_financialastoria_financialavivaavivaaxaaxabanca_italeasebanca_italeasebanca_lombardabanca_lombardabanca_monte_dei_paschi_di_sienabanca_monte_dei_paschi_di_sienabanca_popolare_di_milanobanca_popolare_di_milanobanca_popolare_italianabanca_popolare_italianabancajabancajabanche_popolari_unitebanche_popolari_unitebanco_bilbao_vizcaya_argentariabanco_bilbao_vizcaya_argentariabanco_bradescobanco_bradescobanco_comercial_portuguesbanco_comercial_portuguesbanco_de_chilebanco_de_chilebanco_de_sabadell_sabanco_de_sabadell_sabanco_espirito_santobanco_espirito_santobanco_itaubanco_itaubanco_popolarebanco_popolarebanco_popular_espanolbanco_popular_espanolbanco_santander_central_hispanobanco_santander_central_hispanobangkok_bankbangkok_bankbank_of_americabank_of_americabank_of_chinabank_of_chinabank_of_communicationsbank_of_communicationsbank_of_east_asiabank_of_east_asiabank_of_irelandbank_of_irelandbank_of_montrealbank_of_montrealbank_of_new_york_mellonbank_of_new_york_mellonbank_of_nova_scotiabank_of_nova_scotiabankgesellschaft_berlinbankgesellschaft_berlinbarclaysbarclaysbawagbawagbayerische_landesbankbayerische_landesbankbbtbbtblackrockblackrockbnp_paribasbnp_paribasbradford_bingleybradford_bingleycaja_madridcaja_madridcapital_onecapital_onecapitaliacapitaliacharles_schwabcharles_schwabchina_citicchina_citicchina_construction_bankchina_construction_bankchina_international_capitalchina_international_capitalcibccibccitcitcitigroupcitigroupcomericacomericacommerzbankcommerzbankcommonwealth_bank_of_australiacommonwealth_bank_of_australiacorealcredit_bankcorealcredit_bankcredit_agricolecredit_agricolecredit_suissecredit_suissedaiwa_bankdaiwa_bankdanske_bankdanske_bankdepfa_bankdepfa_bankdeutsche_bankdeutsche_bankdexiadexiadnb_nordnb_nordowney_financialdowney_financialdz_bankdz_bankeaton_vanceeaton_vanceefg_eurobank_ergasiasefg_eurobank_ergasiasegg_plcegg_plcentenialentenialerste_bankerste_banketradeetradeeurekoeurekoeurohypoeurohypofdicfdicfederated_investorsfederated_investorsfifth_third_bancorpfifth_third_bancorpfirst_horizon_nationalfirst_horizon_nationalfortisfortisfranklin_resourcesfranklin_resourcesgamco_investorsgamco_investorsgeneral_electricgeneral_electricgeneral_electric_capitalgeneral_electric_capitalgeneral_motorsgeneral_motorsgeneraligeneraliglitnir_bankglitnir_bankgmacgmacgoldman_sachsgoldman_sachshannover_rehannover_rehboshboshome_depothome_depothousehold_internationalhousehold_internationalhsbc_financehsbc_financehsbc_holdingshsbc_holdingshsh_nordbankhsh_nordbankhuntington_bancshareshuntington_bancshareshvbhvbhypo_alpe_adria_bankhypo_alpe_adria_bankhypo_real_estate_bankhypo_real_estate_bankiasis_healthcareiasis_healthcareici_1ici_1ikb_deutsche_industriebankikb_deutsche_industriebankindustrial_and_commercial_bank_of_chinaindustrial_and_commercial_bank_of_chinaingingintesa_sanpaolointesa_sanpaoloirwinirwinjanus_capitaljanus_capitaljpmorgan_chasejpmorgan_chasejyske_bankjyske_bankkaupthing_bankkaupthing_bankkbc_bankkbc_bankkeycorpkeycorpkookmin_bankkookmin_bankla_caixala_caixalandesbank_baden_wuerttemberglandesbank_baden_wuerttemberglandesbank_berlinlandesbank_berlinlandesbank_sachsenlandesbank_sachsenlandsbankilandsbankilegg_masonlegg_masonlehman_brotherslehman_brotherslloyds_tsblloyds_tsbmalayan_bank_berhadmalayan_bank_berhadmarshall_ilsleymarshall_ilsleymillea_holdingsmillea_holdingsmitsubishi_ufj_financialmitsubishi_ufj_financialmizuho_holdingsmizuho_holdingsmorgan_stanleymorgan_stanleymt_bankmt_bankmunich_remunich_renational_australia_banknational_australia_banknational_bank_of_greecenational_bank_of_greecenationwide_building_societynationwide_building_societynatixisnatixisnew_century_financialnew_century_financialnew_york_communitynew_york_communitynibc_banknibc_banknomura_holdingsnomura_holdingsnorddeutsche_landesbanknorddeutsche_landesbanknordeanordeanorthern_rocknorthern_rocknorthern_trustnorthern_trustnuveen_investmentsnuveen_investmentsnymex_holdingsnymex_holdingsoccoccoko_bankoko_bankomega_healthcare_investorsomega_healthcare_investorsotp_bankotp_bankoversea_chinese_bankingoversea_chinese_bankingparmalatparmalatpnc_financial_servicespnc_financial_servicespopularpopularprudential_financialprudential_financialrabobankrabobankregions_financialregions_financialresidential_capitalresidential_capitalresona_holdingsresona_holdingsrheinland_pfalz_bankrheinland_pfalz_bankroyal_bank_of_canadaroyal_bank_of_canadaroyal_bank_of_scotlandroyal_bank_of_scotlandroyal_sun_allianceroyal_sun_alliancerzbrzbscotia_pacificscotia_pacificsebsebshinhan_financialshinhan_financialshinsei_bank_limitedshinsei_bank_limitedsivb_financialsivb_financialslmslmsns_banksns_banksociete_generalesociete_generalestandard_charteredstandard_charteredstate_bank_of_indiastate_bank_of_indiastate_streetstate_streetsumitomo_mitsui_bankingsumitomo_mitsui_bankingsuntrust_bankssuntrust_bankssvenska_handelsbankensvenska_handelsbankenswedbankswedbankswiss_reinsuranceswiss_reinsurancet_rowe_pricet_rowe_pricetd_ameritradetd_ameritradetoronto_dominiontoronto_dominionubsubsunicreditunicreditunionbancalunionbancalunipolunipolunited_overseas_bankunited_overseas_bankus_bancorpus_bancorpwaddell_reedwaddell_reedwashington_mutualwashington_mutualwells_fargowells_fargowestlbwestlbwestpacwestpacwoori_financialwoori_financialzions_bancorporationzions_bancorporationzurich_financialzurich_financialCredit & Investment ResearchCreditSightshttp://www.alacrastore.com/research/creditsights-UK_Mortgage_Lenders_Buy_To_Let_or_Buy_Too_Late-4999949999cs/49999normArticleTemplateUK mortgage lenders face a more difficult year, particularly in their specialist lending - we take a look at the state of the buy-to-let market.sadamsonalliance_leicesterbanco_santander_central_hispanobank_of_irelandbarclaysbradford_bingleybritannia_building_societyhboshsbc_holdingslloyds_tsbnationwide_building_societynorthern_rockroyal_bank_of_scotlandalliance_leicesterbanco_santander_central_hispanobank_of_irelandbarclaysbradford_bingleybritannia_building_societyhboshsbc_holdingslloyds_tsbnationwide_building_societynorthern_rockroyal_bank_of_scotlandunited_kingdomunited_kingdom4999909 Nov 2009 11:51:56 ESTYes49999150CreditSights Inceuropeeuropebanksfinancial_servicesbanksfinancial_servicesPublishedmortgagessubprimemortgagessubprimeSectorCommentSector Analysis2386 UK Mortgage Lenders: Buy-To-Let, or Buy-Too-Late? The UK housing market should remain robust in #### despite rising interest rates and slowing house price inflation But specialist mortgage lending, in particular the buy-to-let sector,...aareal_bankaareal_bankabn_amroabn_amroaegonaegonaffiliated_managersaffiliated_managersalliance_leicesteralliance_leicesteralliancebernsteinalliancebernsteinallianzallianzallied_irishallied_irishamerican_expressamerican_expressameriprise_financialameriprise_financialamvescapamvescapanglo_irish_bankanglo_irish_bankanzanzassociated_bancassociated_bancastoria_financialastoria_financialavivaavivaaxaaxabanca_italeasebanca_italeasebanca_lombardabanca_lombardabanca_monte_dei_paschi_di_sienabanca_monte_dei_paschi_di_sienabanca_popolare_di_milanobanca_popolare_di_milanobanca_popolare_italianabanca_popolare_italianabancajabancajabanche_popolari_unitebanche_popolari_unitebanco_bilbao_vizcaya_argentariabanco_bilbao_vizcaya_argentariabanco_bradescobanco_bradescobanco_comercial_portuguesbanco_comercial_portuguesbanco_de_chilebanco_de_chilebanco_de_sabadell_sabanco_de_sabadell_sabanco_espirito_santobanco_espirito_santobanco_itaubanco_itaubanco_popolarebanco_popolarebanco_popular_espanolbanco_popular_espanolbanco_santander_central_hispanobanco_santander_central_hispanobangkok_bankbangkok_bankbank_of_americabank_of_americabank_of_chinabank_of_chinabank_of_communicationsbank_of_communicationsbank_of_east_asiabank_of_east_asiabank_of_irelandbank_of_irelandbank_of_montrealbank_of_montrealbank_of_new_york_mellonbank_of_new_york_mellonbank_of_nova_scotiabank_of_nova_scotiabankgesellschaft_berlinbankgesellschaft_berlinbarclaysbarclaysbawagbawagbayerische_landesbankbayerische_landesbankbbtbbtblackrockblackrockbnp_paribasbnp_paribasbradford_bingleybradford_bingleycaja_madridcaja_madridcapital_onecapital_onecapitaliacapitaliacharles_schwabcharles_schwabchina_citicchina_citicchina_construction_bankchina_construction_bankchina_international_capitalchina_international_capitalcibccibccitcitcitigroupcitigroupcomericacomericacommerzbankcommerzbankcommonwealth_bank_of_australiacommonwealth_bank_of_australiacorealcredit_bankcorealcredit_bankcredit_agricolecredit_agricolecredit_suissecredit_suissedaiwa_bankdaiwa_bankdanske_bankdanske_bankdepfa_bankdepfa_bankdeutsche_bankdeutsche_bankdexiadexiadnb_nordnb_nordowney_financialdowney_financialdz_bankdz_bankeaton_vanceeaton_vanceefg_eurobank_ergasiasefg_eurobank_ergasiasegg_plcegg_plcentenialentenialerste_bankerste_banketradeetradeeurekoeurekoeurohypoeurohypofdicfdicfederated_investorsfederated_investorsfifth_third_bancorpfifth_third_bancorpfirst_horizon_nationalfirst_horizon_nationalfortisfortisfranklin_resourcesfranklin_resourcesgamco_investorsgamco_investorsgeneral_electricgeneral_electricgeneral_electric_capitalgeneral_electric_capitalgeneral_motorsgeneral_motorsgeneraligeneraliglitnir_bankglitnir_bankgmacgmacgoldman_sachsgoldman_sachshannover_rehannover_rehboshboshome_depothome_depothousehold_internationalhousehold_internationalhsbc_financehsbc_financehsbc_holdingshsbc_holdingshsh_nordbankhsh_nordbankhuntington_bancshareshuntington_bancshareshvbhvbhypo_alpe_adria_bankhypo_alpe_adria_bankhypo_real_estate_bankhypo_real_estate_bankiasis_healthcareiasis_healthcareici_1ici_1ikb_deutsche_industriebankikb_deutsche_industriebankindustrial_and_commercial_bank_of_chinaindustrial_and_commercial_bank_of_chinaingingintesa_sanpaolointesa_sanpaoloirwinirwinjanus_capitaljanus_capitaljpmorgan_chasejpmorgan_chasejyske_bankjyske_bankkaupthing_bankkaupthing_bankkbc_bankkbc_bankkeycorpkeycorpkookmin_bankkookmin_bankla_caixala_caixalandesbank_baden_wuerttemberglandesbank_baden_wuerttemberglandesbank_berlinlandesbank_berlinlandesbank_sachsenlandesbank_sachsenlandsbankilandsbankilegg_masonlegg_masonlehman_brotherslehman_brotherslloyds_tsblloyds_tsbmalayan_bank_berhadmalayan_bank_berhadmarshall_ilsleymarshall_ilsleymillea_holdingsmillea_holdingsmitsubishi_ufj_financialmitsubishi_ufj_financialmizuho_holdingsmizuho_holdingsmorgan_stanleymorgan_stanleymt_bankmt_bankmunich_remunich_renational_australia_banknational_australia_banknational_bank_of_greecenational_bank_of_greecenationwide_building_societynationwide_building_societynatixisnatixisnew_century_financialnew_century_financialnew_york_communitynew_york_communitynibc_banknibc_banknomura_holdingsnomura_holdingsnorddeutsche_landesbanknorddeutsche_landesbanknordeanordeanorthern_rocknorthern_rocknorthern_trustnorthern_trustnuveen_investmentsnuveen_investmentsnymex_holdingsnymex_holdingsoccoccoko_bankoko_bankomega_healthcare_investorsomega_healthcare_investorsotp_bankotp_bankoversea_chinese_bankingoversea_chinese_bankingparmalatparmalatpnc_financial_servicespnc_financial_servicespopularpopularprudential_financialprudential_financialrabobankrabobankregions_financialregions_financialresidential_capitalresidential_capitalresona_holdingsresona_holdingsrheinland_pfalz_bankrheinland_pfalz_bankroyal_bank_of_canadaroyal_bank_of_canadaroyal_bank_of_scotlandroyal_bank_of_scotlandroyal_sun_allianceroyal_sun_alliancerzbrzbscotia_pacificscotia_pacificsebsebshinhan_financialshinhan_financialshinsei_bank_limitedshinsei_bank_limitedsivb_financialsivb_financialslmslmsns_banksns_banksociete_generalesociete_generalestandard_charteredstandard_charteredstate_bank_of_indiastate_bank_of_indiastate_streetstate_streetsumitomo_mitsui_bankingsumitomo_mitsui_bankingsuntrust_bankssuntrust_bankssvenska_handelsbankensvenska_handelsbankenswedbankswedbankswiss_reinsuranceswiss_reinsurancet_rowe_pricet_rowe_pricetd_ameritradetd_ameritradetoronto_dominiontoronto_dominionubsubsunicreditunicreditunionbancalunionbancalunipolunipolunited_overseas_bankunited_overseas_bankus_bancorpus_bancorpwaddell_reedwaddell_reedwashington_mutualwashington_mutualwells_fargowells_fargowestlbwestlbwestpacwestpacwoori_financialwoori_financialzions_bancorporationzions_bancorporationzurich_financialzurich_financialCredit & Investment ResearchCreditSightshttp://www.alacrastore.com/research/moodys-global-credit-research-Moody_s_affirms_Lloyds_TSB_long_term_rating_at_Aa3_stable_downgrades_BFSR_to_C-PR_189593_87760PR_189593_87760moodys/PR_189593_87760html04 Nov 2009 02:13:18 ESThtmlBank of Scotland (Ireland) LimitedBank of Scotland plcClerical Medical Finance plcHalifax plcHBOS plcLeeds Permanent Building SocietyLloyds Banking Group plcLloyds TSB Bank PlcScotland International Finance No. 2 B.V.Scottish Widows plcBank of Scotland (Ireland) Limited; Bank of Scotland plc; Clerical Medical Finance plc; ...877602369245844956560000836560001888460005058360005275060006147882088922987760150.000003 Nov 2009NewsRating ActionCGlobal Credit Research Rating Action # NOV #### Rating Action: Bank of Scotland plc Moody's affirms Lloyds TSB long-term rating at Aa# stable, downgrades BFSR to C- London, ## November #### -- Moody's Investors Service affirmed the...143602224236924582463449565449570449575449590543900600008365600008969600009231600009496600012230600016357600017684600018884600022330600022503600037278600039667600040951600044541600050576600050583600051628600051629600052110600052111600052566600052749600052750600061478600064860806588859806783463807579773808776672808821278820835992820851963820889229821025438821262451877609110093300NETHERLANDSREPUBLIC OF IRELANDUNITED KINGDOMBANKINGINSURANCE600018884Credit & Investment ResearchMoody's Global Credit Researchhttp://www.alacrastore.com/research/fitch-ratings-Fitch_Affirms_Lloyds_at_AA_Upgrades_Individual_Rtg_to_C_Rates_ECNs_BB-527696_pr_frame527696_pr_framefitch/527696_pr_framehtmlBank of Scotland plcClerical Medical Finance PlcClerical Medical Investment Group Ltd.HBOS plcLloyds Banking Group PLCLloyds TSB Bank plcScottish Widows plc8035954680359914803599158036231981695268817552698204515203 Nov 2009 02:23:00 EST01010000010101000101030085Press ReleaseLLOYFitch Ratings is a leading global rating agency committed to providing the world's credit markets with independent, timely and prospective credit opinions. Built on a foundation of organic growth and strategic acquisitions, Fitch Ratings has grown rapidly during the past decade gaining market presence throughout the world and across all fixed income markets.ARGDEUESPGBRINDMEXRUSUSA0101000001010100010200000103000001031000020200000300000003010000030108000302000003030000040000000401000004020000Credit & Investment ResearchFitch Researchhttp://www.alacrastore.com/research/fitch-ratings-Fitch_Affirms_Clerical_Medical_Changes_Sub_debt_to_Rating_Watch_Evolving-527736_pr_frame527736_pr_framefitch/527736_pr_framehtmlBank of Scotland plcClerical Medical Finance PlcClerical Medical Investment Group Ltd.HBOS plcLloyds Banking Group PLCLloyds TSB Bank plcScottish Widows plc8035954680359914803599158036231981695268817552698204515203 Nov 2009 02:23:00 EST01010000010101000101030085Press ReleaseLLOYFitch Ratings is a leading global rating agency committed to providing the world's credit markets with independent, timely and prospective credit opinions. Built on a foundation of organic growth and strategic acquisitions, Fitch Ratings has grown rapidly during the past decade gaining market presence throughout the world and across all fixed income markets.ARGDEUESPGBRINDMEXRUSUSA010100000101010001010300010200000103000001031000020200000300000003010000030108000302000003030000040000000401000004020000Credit & Investment ResearchFitch Researchhttp://www.alacrastore.com/research/creditsights-RBS_and_Lloyds_Discover_The_Price_of_State_Support-9078390783cs/90783normArticleTemplateWe take a look at the implications for bondholders of plans by Lloyds and RBS for capital raising and asset insurance and of European Commission sanctionsdwattssadamsonhboslloyds_tsbroyal_bank_of_scotlandhboslloyds_tsbroyal_bank_of_scotlandunited_kingdomunited_kingdom9078303 Nov 2009 12:09:53 ESTYes90783150CreditSights Inceuropeunited_stateseuropeunited_statesbanksfinancial_servicesbanksfinancial_servicesPublishedcompanies_withnvertibleseuro_markets_issuersmortgagesstrategystructured_productscompanies_withnvertibleseuro_markets_issuersmortgagesstrategystructured_productsCompanyCommentCompany Analysis3242 RBS and Lloyds Discover The Price of State Support The leaks of the past few days were broadly accurate: RBS enters the APS on revised terms, Lloyds escapes by raising new capital of £## billion Both are still reliant on state support,...Credit & Investment ResearchCreditSightshttp://www.alacrastore.com/research/fitch-ratings-Fitch_Affirms_Lloyds_at_AA_Upgrades_Individual_Rtg_to_C_Rates_ECNs_at_BB-527476_pr_frame527476_pr_framefitch/527476_pr_framehtmlBank of Scotland plcClerical Medical Finance PlcClerical Medical Investment Group Ltd.HBOS plcLloyds Banking Group PLCLloyds TSB Bank plcScottish Widows plc8035954680359914803599158036231981695268817552698204515203 Nov 2009 10:18:00 EST01010000010101000101030085Press ReleaseLLOYFitch Ratings is a leading global rating agency committed to providing the world's credit markets with independent, timely and prospective credit opinions. Built on a foundation of organic growth and strategic acquisitions, Fitch Ratings has grown rapidly during the past decade gaining market presence throughout the world and across all fixed income markets.ARGDEUESPGBRINDMEXRUSUSA0101000001010100010200000103000001031000020200000300000003010000030108000302000003030000040000000401000004020000Credit & Investment ResearchFitch Researchhttp://www.alacrastore.com/research/fitch-ratings-Fitch_Places_Clerical_Medical_on_RWN_Scottish_Widows_Ratings_Unaffected-523976_pr_frame523976_pr_framefitch/523976_pr_framehtmlBank of Scotland plcClerical Medical Finance PlcClerical Medical Investment Group Ltd.HBOS plcLloyds Banking Group PLCLloyds TSB Bank plcScottish Widows plc8035954680359914803599158036231981695268817552698204515228 Oct 2009 02:12:00 EST01010000010101000101030085Press ReleaseLLOYFitch Ratings is a leading global rating agency committed to providing the world's credit markets with independent, timely and prospective credit opinions. Built on a foundation of organic growth and strategic acquisitions, Fitch Ratings has grown rapidly during the past decade gaining market presence throughout the world and across all fixed income markets.ARGDEUESPGBRINDMEXRUSUSA010100000101010001010300010200000103000001031000020200000300000003010000030108000302000003030000040000000401000004020000Credit & Investment ResearchFitch Researchhttp://www.alacrastore.com/storecontent/moodys/PR_188853_97400PR_188853_97400moodys/PR_188853_97400html21 Oct 2009 05:14:20 ESThtmlAbbey National plcAlliance & Leicester plcBank of Scotland plcBarclays Bank PLCBradford & Bingley plcBritannia Building SocietyChelsea Building SocietyClose Brothers Ltd.Clydesdale Bank plcCo-Operative Bank PlcCoventry Building SocietyFairbairn Private Bank LimitedHBOS plcHSBC Bank plcHSBC Holdings plcICICI Bank UK Plc.Investec Bank Ltd.Leeds Building SocietyLloyds TSB Bank PlcLloyds TSB Offshore LimitedNationwide Building SocietyNewcastle Building SocietyNorthern Rock plcNorwich & Peterborough Building SocietyNottingham Building SocietyPrincipality Building SocietyRoyal Bank of Scotland plcSkipton Building SocietyStandard Bank PlcStandard Life Bank PlcWest Bromwich Building SocietyYorkshire Building SocietyAbbey National plc; Alliance & Leicester plc; Bank of Scotland plc; ...18486020662183219525132889449565494680600009140600011741600017781600022369600022421600022435600044020600044220600045531600045746600048725600061478600066256651920808487273808732499809725302815150820835992877609150925009380097400150.000020 Oct 2009NewsAnnouncementCGlobal Credit Research Announcement ## OCT #### Announcement: Yorkshire Building Society Moody's explains assumptions behind its estimates of UK banks' credit losses London, ## October #### -- As part of its global framework for estimating...Credit & Investment ResearchMoody's Global Credit Researchhttp://www.alacrastore.com/research/creditsights-UK_Prime_RMBS_Silverstone_New_Issue_8211_First_Look-8995689956cs/89956normArticleTemplateNationwide is to become the second UK mortgage lender to publicly market an RMBS since the financial crisis. We compare the performance and characteristics of the mortgages in the Silverstone master trust against other UK Prime RMBS.dwattshgaletovahbosnationwide_building_societyhbosnationwide_building_societyunited_kingdomunited_kingdom8995619 Oct 2009 03:09:00 ESTYes89956150CreditSights Inceuropeeuropebanksfinancial_servicesbanksfinancial_servicesPublishedmortgagesstrategystructured_productssubprimemortgagesstrategystructured_productssubprimeStrategyCommentStrategy Analysis1916 UK Prime RMBS: Silverstone New Issue – First Look Nationwide is to become the second UK mortgage lender to publicly market an RMBS since the financial crisis last summer  The Silverstone, an existing master trust that will be...Credit & Investment ResearchCreditSightshttp://www.alacrastore.com/research/creditsights-UK_Prime_RMBS_The_Price_of_Falling_Arrears-8973889738cs/89738normArticleTemplateMortgage debt repayments in the first six months of 2009 were less than half the amount repaid in the first half of 2008. This is causing problems for the expected maturity schedule of RMBS and could have a substantial impact on RMBS pricesdwattshgaletovahboshbosgbgb8973812 Oct 2009 03:09:00 ESTYes89738150CreditSights Inceuropeeuropebanksfinancial_servicesbanksfinancial_servicesPublishedmortgagesstrategystructured_productssubprimemortgagesstrategystructured_productssubprimeStrategyCommentStrategy Article1502 UK Prime RMBS: The Price of Falling Arrears Cuts in the Bank of England base rate have helped to bring UK mortgage arrears down from a peak of #.#% in November last year to #.#% now. However, historically low interest rates - combined...Credit & Investment ResearchCreditSightshttp://www.alacrastore.com/storecontent/fitch/512396_pr_frame512396_pr_framefitch/512396_pr_framehtmlBank of Scotland plcClerical Medical Finance PlcClerical Medical Investment Group Ltd.HBOS plcLloyds Banking Group PLCLloyds TSB Bank plcPermanent Financing (No.3) PlcPermanent Financing (No.9) PlcPermanent Master Issuer plc 2006-1Scottish Widows plc8035954680359914803599158036231980928636809319488120283881625655816952688175526981849164820393658204515282903725839140668480486986858738869301508836025629 Sep 2009 10:15:00 EST010100000101010001010300030300000303150085Press ReleaseLLOYFitch Ratings is a leading global rating agency committed to providing the world's credit markets with independent, timely and prospective credit opinions. Built on a foundation of organic growth and strategic acquisitions, Fitch Ratings has grown rapidly during the past decade gaining market presence throughout the world and across all fixed income markets.Credit & Investment ResearchFitch Researchhttp://www.alacrastore.com/research/creditsights-EuroStrategy_Permanent_RMBS_Restarts_ABS-8917189171cs/89171normWWTemplatedwattshboslloyds_tsbhboslloyds_tsbgbgb8917124 Sep 2009 06:04:00 ESTYes89171150CreditSights Inceuropeeuropebanksfinancial_servicesbanksfinancial_servicesPublishedcompanies_withnvertibleseuro_markets_issuersmortgagesstrategystructured_productssubprimemortgagesstrategystructured_productscompanies_withnvertibleseuro_markets_issuerssubprimeWorthWatchingWorth Watching658 EuroStrategy: Permanent RMBS Restarts ABS EuroStrategy Lloyds-owned HBOS last night closed terms on a £# billion RMBS - Permanent ####-#. It will be the first securitisation to see a substantial amount of debt placed publicly for at...Credit & Investment ResearchCreditSights