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Small Housing Finance Firms Rally As Banks Cut Lending Rates
Posted by anuragmishra on January 6th Redskin Trent Williams Jersey , 2017


Frontline banks and financial institutions fell, while smaller housing finance companies rallied after leading government-owned banks cut lending rates.


State Bank of India dropped as much as 3 percent after it announced up to 90 basis points reduction in lending rates. Punjab National Bank and Union Bank of India also fell after announcing rate cuts on the weekend.


“Considering low return on assets, every decline in margins is significantly negative for public sector banks,” Motilal Oswal said in a report. A five basis point decline in net interest margin will impact profits of government-owned banks by up to 5 percent, compared to 1-2 percent for private banks Redskin Sean Taylor Jersey , the brokerage added.


The bigger non-banking financial companies also took a hit in Monday’s trading, with HDFC Ltd. dropping as around 3.5 percent, and LIC Housing Finance Ltd. dropping over 5 percent.


Housing finance companies competing directly with banks could face margin pressure as they will also be forced to cut rates given the heightened competitive intensity in mortgage loans. “For NBFCs - HDFC, LIC Housing Finance - this was the ultimate fear, as an aggressive SBI and rate war would be negative for both growth and net interest margins Redskin Adrian Peterson Jersey ,” Deutsche Bank analyst Manish Karwa wrote in a note to clients.


Meanwhile, smaller housing finance companies like India bulls Housing Finance Ltd., Gruh Finance Ltd., Can Find Homes Ltd. and Repco Home Finance Ltd. rallied up to 10 percent each.


“Small ticket housing finance companies have pricing power on the asset side, they have been able to maintain their spreads better than large housing finance companies Redskin Wes Martin Jersey ,” Digant Haria, an analyst at Antique Institutional Equities wrote in a note to clients.


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Arabella Greatorex, owner of The Natural Nursery, reports on the rapidly rising demand for natural, environmentally friendly and ethically sound parenting products and highlights some of the concerns that have fuelled these demands.


Organic Food


There has been much media debate around the promotion of heavily processed foods to children Redskin Bryce Love Jersey , part of a long standing concern about the quality of food on offer in the UK. While some say the jury is still out on issues such as pesticide residues in fruit and vegetables, it is worth noting that only 30 additives are allowed in organic food, compared to over 300 in non-organic. Specifically, organic food bans the use of tartrazine (linked to hyperactivity in children) and GM ingredients.


The Soil Association reports that sales in organic food grew by 10% last year overall and purchases from farm shops and box schemes by a whopping 16%. This means that over 75% of households bought some organic food during 2004.


Organic baby and toddler foods now account for nearly half of total baby foods in the UK, with its market share growing rapidly Redskin Terry McLaurin Jersey , highlighting the level of concern felt by parents, and is a trend that looks set to continue.


Cloth Nappies


Modern cloth nappies bear no resemblance to the old-fashioned terry squares you probably wore as a child. They are cheaper and more hygienic to use than their disposable counterparts and parents are fast cottoning on to this. Ten years ago, only 2% of parents used cloth nappies; that figure has now grown to over 15% and is rising steadily.


Despite this growth in cloth nappy use, Bristol City Council still spends around ?500,000 each year dealing with disposable nappies. Conventional disposable nappies can contain up to 200 chemicals and some estimates say they will take over 200 years to decompose.


The alternative is to use cloth nappies Redskin Montez Sweat Jersey , which are now available in a wide range of shapes and sizes and can be just as easy to use as disposables. You can choose from so soft organic terry or a natural eco-look or funky fleece prints or even retro patterns to really make a statement. They can be flat, shaped or stuffed, depending upon your child's personal needs and you will find other ?clothies? are more than happy to help you decide which nappy is right for you.


They could help you save money as well; the Women's Environmental Network estimate that savings will be around ?500 for the first child and more for subsequent children, even taking into account the cost of home laundering.


Chemical Free Toiletries


Your skin will absorb around 60% of products applied to it and Green People estimates that the average woman will absorb about 2kg of chemicals throug