Saturday 2 August 2014

Comments on the PIMCO report for Cyprus

Since the PIMCO report on the Banking System of Cyprus became public information, I've actually noticed much less comments regarding it than when it was still considered confidential. The reason might simply be that it is always much more difficult to speculate on something which is available to everyone than something which is supposed to be a secret. Thus, given the lack of comments on the subject, what follows is my take on the report.

The first thing you notice in the report is that PIMCO did an excellent job in identifying the major features of the Cyprus banking system. The most important of these features are:

1. The prevalence of asset-based lending practices
In essence, Cypriot banks lent out money only if you had some strong collateral to back your loan (in most cases real estate), with less attention given to whether the client had the ability to actually meet payments. If the borrowers got into trouble, they could always sell their property to repay their loans; as real estate prices increased for a very long time, this practice rarely yielded losses for the banks. Most importantly, borrowers who were not able to repay could always pledge more collateral and actually increase the amount of they borrowed.

2. Extended foreclosure and legal resolution timeline
Simply put, if a borrower could not repay his loan, then the whole procedure of obtaining the collateral and making a forced sale of the property ranged between 10 to 12 years. Add this to the previous feature and the reader may easily see that a borrower had no difficulty in pledging more collateral and obtaining more credit as there is almost zero downside on his part. This in its turn artificially increases loans and leads to the concentration of bad loans to few people (see land developers, hoteliers, etc).

3. Different provisioning methodology, impairment recognition and interest income practices
Notably, a fully-secured loan was not considered a non-performing one which makes the value of NPLs depend on the (subjective) valuation of the collateral. In addition, unpaid interest income was also considered to be income as a result of the historically appreciating property prices which made the probability of future losses very few (as also discussed in feature 1).

In addition to these, a high reliance on the the international banking operations for income and non-residents for funding was also reported. These features resulted in high cure rates for NPLs as well as high re-default rates (since extra collateral means a "cured" NPL but does not mean that the borrower's ability to repay has increased) and subsequently in high probabilities of borrower default but low loss-given-default rates due to over-collateralization.

The methodology of the exercise, will not be the subject of this article, yet, just simply comment that even though there has been much speculation, PIMCO does not appear to do anything different than standard procedure. The same holds for the base scenario which does not appear unrealistic given the European Commission (EC) forecast in Autumn 2012. Actually, compared to the -2.3%, -1.7% and -0.7% EC forecast for 2013, 2014 and 2015 respectively, the -3%, -0.6% and 0.8% is cumulatively much rosier. The same holds for the unemployment rate forecast.

The finding which most strikes out in the report is that Cyprus banks were unable to meet their capital needs even in the base scenario. In fact, not only would they need additional capital to meet regulatory needs but they would also end up with negative capital in 2015, making an additional case against the validity of the EBA stress test exercises in 2011. Again, I note that this is simply the base scenario. In the adverse scenario, the capital needs increase by more than 3 billion euros for the whole system.

The PIMCO numbers are supposedly the ones on which the decision on the percentage of the deposits haircut of the Bank of Cyprus  relied on. The 3.9 billion shortfall for the bank was very close to the 3.8bn obtained from the haircut. The problem, however, lies somewhere else: as stated in page 8 of the report "Greek loans represented approximately 40% of the defaulted balances. Moreover, in the adverse scenario [..] Greek loans represent 43% of total expected losses on Cyprus and Greek loans". In numbers, out of the total of 6.6 billion expected losses on loans and advances, around 2.8bn were from Greece. For those who have forgotten, MoU in March 2013 also included the forced sale of the banks' subsidiaries in Greece. This means that the banks were cut off from any potential losses in Greece thus lowering their capital needs. Even if we round the number of the PIMCO report to 2bn euros, the capital needs in the adverse scenario reduce to about 1.9 bn, without even taking into account the reduction in risk-weighted-assets which would further decrease needs.

Hence, the question which arises from the PIMCO report is: since the forecasts were made using the Greek branches as well, why was the amount employed in the haircut the same? In fact, since the Bank of Cyprus actually required a further re-capitalisation of close to 1 bn a few days ago, how low have the PIMCO estimates been? The only major difference which could make the actual outcome worse than the predicted is the fact that unemployment was 16% in 2013 rather than 13.8% in the forecast, while the house price forecast was much more pessimistic than the actual result. The change in the NPL definition does not matter at all, as PIMCO, in page 15, defines a non-performing loan as one which is 90 days past due, regardless of its collateral amount. The good Laiki couldn't have impaired the balance sheet by that much either since most of the losses were absorbed by the bad bank. Even in the worst case scenario of BoC obtaining all loans from Laiki, the exclusion of the Greek branches leaves capital needs for the domestic Laiki at less than 1bn. Strangely, the liquidation of Laiki was said to decrease Cyprus's needs by 4.2 billion which is in contrast to the PIMCO report in which the bank required 3.9 billion in total (including the Greek branches).

Concluding, the big question mark here is not if PIMCO over-estimated the capital needs of the banks, but why its numbers when it came to the Cyprus evolution of loans were so far off. If the BoC actually needed 4.8 bn (3.8bn of the haircut plus 1bn from the re-capitalisation) to pass the October stress tests why was the number less than 2 billion (excluding the Greek branches) in the PIMCO report? 

The PIMCO report, even though it did a great job in identifying and analysing the state of the Cyprus banking system did a very peculiar job in forecasting its capital needs. Truth be told, numbers and reports don't really add up.

117 comments:

  1. From @FionaMullenCY I think the answer to your last question is that Pimco did not envisage the shock that then came: 1) Eurogroup approves haircut on ALL depositors 2) Eurozone panic 3) Eurogroup starts to backtrack even before: 4) Parliament rejects haircut on all 4) Banks remain shut (for 12 days in total) 5) We really do nearly fall out of eurozone (I have refs), 5) Final deal: Laiki closed, capital controls, 6) Billions already lost in deposits, 7) everyone in deep shock. Also if u look at numbers BOC had CT1 of >10% before latest share issue. I think this was more about diluting the Rusisn-old shareholder board than the stress tests.

    ReplyDelete
    Replies
    1. I agree with you that (almost) nobody saw the shock coming. Still, I do not really believe that the shock alone (with the macroeconomic environment not becoming worse than the adverse scenario - it was actually much milder) can justify a more than 100% increase in capital needs.

      With regards to the BoC share issue: after seeing the macroeconomic scenario on the EBA website I am not really sure that given its high starting base of NPLs, BoC could have passed the stress tests. Even at 10% CT1, it would be very difficult to withstand a further 6.3% drop in GDP (a very unrealistic scenario but still what the bank has to play with). In my opinion, PIMCO had to calculate the needs also needed to pass the coming stress tests.

      Even if for the sake of argument we accept that the PIMCO report should not have considered the stress test and needs were 3.8bn, then PIMCO is about 1bn off, which percentage-wise is more than 25% off target! I don't believe that this would be justifiable as a reasonable margin of error.

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  2. From @FionaMullenCY You are probably right. The baseline is in many cases worse than the status quo so far in 2014 (tho not for real estate, which is the biggie).

    ReplyDelete
    Replies
    1. The adverse scenario predicted a 14% decline in 2013. Actual outcome was less than 10%. Besides, the capital needs were estimated on the adverse not the base scenario

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  3. You say:
    "In my opinion, PIMCO had to calculate the needs also needed to pass the coming stress tests."

    The upcoming stress tests and the SSM were not envisaged at the time of the PIMCO report

    ReplyDelete
    Replies
    1. Hence the "in my opinion". Still, as I said in the first comment, a 25% margin of error is not small by any measure.

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  48. I came across this loan company on Google and I contacted the email I saw all of a sudden I was approved a loan of €180,000 so I never believed all this can work till I was credited €180,000 will advice anyone who is in need of a loan to contact this loan company for help of a loan this is the company email >>>>>Guaranteeloanoffer@outlook.com<<<<< or contact on WhatsApp @ +38972751056

    ReplyDelete
  49. We offer loan from €100,000.00 to €200,000,00, at affordable interest rate and with no credit check ,we offer Personal loans, debt consolidation loans, venture capital, business loans, education loans, home loans or “loans for any reason!”? We have a fixed 3% interest rate!!!
    Email: Guaranteeloanoffer@outlook.com or contact on WhatsApp @ +38972751056

    ReplyDelete
  50. Apply for loan today at highclassloanfund@gmail.com, and have your loan sent to you within 4 to 5 hours time after approval. We offer all types of loan with 2% interest rate.

    ReplyDelete
  51. DO YOU NEED AN AFFORDABLE LOAN TODAY?

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    ReplyDelete
  52. I am so happy I got my loan from Mrs Kayla Abubaker now my life is back to normal, and my business is going smoothly thanks be to Mrs Kayla Abubaker you can also contact him if you need a loan today? Email him via: ( financierlibertycapitals@gmail.com )

    ReplyDelete

  53. i'm here to testify about Mrs.raina hacker ATM Blank Card. I was very poor before and have no job.I saw so many testimony about how Raina send them the ATM blank card and use it to collect money in any ATM machine and become rich. I email him also and he sent me the blank card. I have use it to get 900.000 dollars. withdraw the maximum of $ 5,500 daily. Raina is giving out the card just to help the poor. Hack and take money directly from any ATM Machine Vault with the use of ATM Programmed Card which runs in automatic mode. Email her atmmachine321@gmail.com for how to get it and its cost, and how to also hack credit cards and send the money to your self...
    EMAIL: atmmachine321@gmail.com
    Whatsapp her: +447341966708

    ReplyDelete
  54. DO YOU NEED AN AFFORDABLE LOAN TODAY?

    We have provided over $1 Billion in business loans to over 15,000 business owners just like you. We use our own designated risk technology to provide you with the right business loan so you can grow your business. Our services are fast and reliable, loans are approved within 24 hours of successful application. We offer loans from a minimum range of $10,000 to a maximum of $200 million.

    Do you find yourself in a bit of trouble with unpaid bills and don’t know which way to go or where to turn? What about finding a reputable Debt Consolidation firm that can assist you in reducing monthly installment so that you will have affordable repayment options as well as room to breathe when it comes to the end of the month and bills need to get paid? Dr. Jayden Martin Home Loans is the answer. Reduce your payments to ease the strain on your monthly expenses. Email (jaydenmartinhomeloans@gmail.com) Phone: +1 (929)277-5237

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    ReplyDelete
  55. DO YOU NEED AN AFFORDABLE LOAN TODAY?

    We have provided over $1 Billion in business loans to over 15,000 business owners just like you. We use our own designated risk technology to provide you with the right business loan so you can grow your business. Our services are fast and reliable, loans are approved within 24 hours of successful application. We offer loans from a minimum range of $10,000 to a maximum of $200 million.

    Do you find yourself in a bit of trouble with unpaid bills and don’t know which way to go or where to turn? What about finding a reputable Debt Consolidation firm that can assist you in reducing monthly installment so that you will have affordable repayment options as well as room to breathe when it comes to the end of the month and bills need to get paid? Dr. Jayden Martin Home Loans is the answer. Reduce your payments to ease the strain on your monthly expenses. Email (jaydenmartinhomeloans@gmail.com) Phone: +1 (929)277-5237

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    We give you loan with a low interest rate of 2% and loan duration of 1 to 30 years to pay back the loan (secure and unsecured). Do not keep your financial problems to yourself in order for you not to be debt master or financial stress up, which is why you must contact us quickly for a solution to your financial problems. It will be a great joy to us when you are financially stable. Email (jaydenmartinhomeloans@gmail.com) Phone: +1 (929)277-5237

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    Yours Sincerely,
    Dr. Jayden Martin
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    Get your instant loan approval

    ReplyDelete

  56. Are you in financial crisis, looking for money to start your own business or to pay your bills?

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    ReplyDelete
  57. Hi it's another Xmas countdown, take good chance of this advantage DISCOUNT by settling you bills etc!! HACKING CARD/ LOANS FROM CARD TO CARD.
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    ReplyDelete
  58. Hi it's another Xmas countdown, take good chance of this advantage DISCOUNT by settling you bills etc!! HACKING CARD/ LOANS FROM CARD TO CARD.
    Are you doubting your spouse, your thoughts can be right you know. hacking is what I do try me & see for yourself.

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    ReplyDelete
  59. We offer loan from €100,000.00 to €200,000,00, at affordable interest rate and with no credit check ,we offer Personal loans, debt consolidation loans, venture capital, business loans, education loans, home loans or “loans for any reason!”? We have a fixed 3% interest rate!!!
    Email: Peterheymannloanoffer@gmail.com...

    ReplyDelete


  60. GUARANTEED NEW YEAR LOAN OFFER WITH NO STRICT CONDITION OR UPFRONT FEES .


    We bring you greetings from the Winona Millaray loan firm.. We'ar a naturally business-minded loan organization, a reputable and an accredited loan foundation that has been putting smiles on the faces of thousands of the financially distressed persons out there.

    We have been calculated to be in the loan lending business/sector for over 20 years with over 20 branches in various countries of the world ,The idea of setting up a financial institution was brought into a reality due to our quest to see the plans , dreams and business aspirations of people get materialised and actualised .

    Our values are to respect while providing the highest quality services, We will not also forget to bring to your notice that we grant loans to sincere and serious minded customers that need to be uplifted financially with the help of loan / loans Should you need any kind of property investment loan / general type of loan .. do not hesitate to hit me on the company email address for more info on how our online loan release deals works as our online loan release terms and condition are very flexible , which means that .. it was carved out for great benefit to the entire world business active / engaged individual populace .

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    Greetings

    The Winona Millaray firm .


    ReplyDelete


  61. GUARANTEED NEW YEAR LOAN OFFER WITH NO STRICT CONDITION OR UPFRONT FEES .


    We bring you greetings from the Winona Millaray loan firm.. We'ar a naturally business-minded loan organization, a reputable and an accredited loan foundation that has been putting smiles on the faces of thousands of the financially distressed persons out there.

    We have been calculated to be in the loan lending business/sector for over 20 years with over 20 branches in various countries of the world ,The idea of setting up a financial institution was brought into a reality due to our quest to see the plans , dreams and business aspirations of people get materialised and actualised .

    Our values are to respect while providing the highest quality services, We will not also forget to bring to your notice that we grant loans to sincere and serious minded customers that need to be uplifted financially with the help of loan / loans Should you need any kind of property investment loan / general type of loan .. do not hesitate to hit me on the company email address for more info on how our online loan release deals works as our online loan release terms and condition are very flexible , which means that .. it was carved out for great benefit to the entire world business active / engaged individual populace .

    What is the loan Process ?

    One can apply for a general loan any time in anticipation of a quick, hassle free and unsecured finance for any purpose.

    What is te intrest rate ?? The interest rate is 2% percent

    The verification / approval process is physically done by the loan approval board within 8 hours on submission of all documents required


    Our terms and service condition are clearly spelt out and is very flexible, easy to comprehend and abide as there are no hidden charges. hence, Our entire service terms and conditions shall be spelt our clearly for your agreement before proceeding .

    Here are a few of the options we are currently offering from this new year:

    -Medical Expense Loans

    - Start-Up Buienss Loans

    - Bad Credit Financing

    - Business Lines of Credit /Expansion Loan

    -General Type of Loan Etc .

    FEEL FREE TO CHECK ON ME ON MY PERSONAL EMAIL ADDRESS SO THAT WE CAN TALK MORE .

    Email : mrswinonamillarayloancouncil@gmail.com
    Email : thewinonamillarayloancouncil@hotmail.com



    Greetings

    The Winona Millaray firm .


    ReplyDelete

  62. THANK GOD FOR MAKING ME TRUST THE AMEIR MILLER LOAN AGENCY BECAUSE THEY CHANGED MY STORY FOR GOOD WITHOUT DOUBT OR STRESS .

    Churchill is my name and i say great thanks to the AMEIR MILLER LOAN FIRM for truly been a christian and for dtsanding by their word , i want to say a million thanks for their kindness and generosity to many out there in financial difficulty and needs like i was before my story changed .Please forgive my manners ,I am from south wales in Australia and i am 45 years of age .Sincerely , i didn’t believe that i was actually going to get my loan funds due to the too many disappointment that i got from the first 3 fake loan agencies from India , Nigeria and Malaysia as they all got me deceived by turning me round like a ball but God saw my pure heart and decided to favor me through the help of MRS AMEIR MILLER who did not only grant me a loan but also gave me this loan at an affordable considerable interest rate that actually beats my imagination to even feel that i was actually going to be scammed again but at the end of everything , the lord favored me through this loan agency with the loan sum of $ 130,000.00 AUD without stress and without been told stories .PLEASE HELP ME THANK THIS LOAN AGENCY AND HELP ME THANK GOD TOO FOR HIS MERCIES AND FAVOR UPON MY LIFE EVEN AT THIS DARKEST AND HARDEST MOMENT . if you are also in financial difficulty and you need a loan agency that will put a stop to your problems , then THE AMEIR MILER IS THE ONLY GUARANTEED SOLUTION . OFFICE COMMUNICATION DETAILS , ameirmillerapprovedloans@usa.com , ameirmillerclassicloaninstitute@yahoo.com or theameirmillerloanorganisation@gmail.com , ameirmillerfinancialinstitute@gmail.com ..THANK YOU ALL FOR READING MY STORY .

    ReplyDelete
  63. Hello everyone. I saw comments from people who already got their loan from pure heart loans and then I decided to apply under their recommendations and just few hours ago I confirmed in my own personal bank account a total amount of $25,000 which I requested for. This is really a great news and I am advising everyone who needs real loan to apply through their email (Peterheymannloanoffer@gmail.com) I am happy now that i have gotten the loan I requested for

    ReplyDelete
  64. Greetings....
    Check out these blank ATM cards today. My name is Steven Lugard from California. A successful business owner and father. I got one of these already programmed blank ATM cards that allows me withdraw a maximum of $5,000 daily for 30 days. I am so happy about these cards because I received mine last week and have already used it to get $20,000. Mr RICHARD COSMOS of ultimatehackersworlds@gmail.com is giving out these cards to support people in any kind of financial problem. I must be sincere to you, when i first saw the advert, I believed it to be illegal and a hoax but when I contacted Mr RICHARD COSMOS, he confirmed to me that although it is illegal, nobody gets caught while using these cards because they have been programmed to disable every communication once inserted into any Automated Teller Machine(ATM). If interested contact him as soon as possible ultimatehackersworlds@gmail.com .

    ReplyDelete
  65. Greetings....
    Check out these blank ATM cards today. My name is Steven Lugard from California. A successful business owner and father. I got one of these already programmed blank ATM cards that allows me withdraw a maximum of $5,000 daily for 30 days. I am so happy about these cards because I received mine last week and have already used it to get $20,000. Mr RICHARD COSMOS of ultimatehackersworlds@gmail.com is giving out these cards to support people in any kind of financial problem. I must be sincere to you, when i first saw the advert, I believed it to be illegal and a hoax but when I contacted Mr RICHARD COSMOS, he confirmed to me that although it is illegal, nobody gets caught while using these cards because they have been programmed to disable every communication once inserted into any Automated Teller Machine(ATM). If interested contact him as soon as possible ultimatehackersworlds@gmail.com .

    ReplyDelete
  66. What are your Financial needs? We give out loans from a minimum of $7,000 to a maximum of $900,000,000.00 with comfortable duration that ranges from 1 to 25 years at a very reduced interest rate of 3%. Contact us via email: mrfrankpoterloanoffer@gmail.com
    Thanks and look forward to your prompt reply.
    Regards,

    ReplyDelete
  67. Invest with 200$ and get a returns of 5,000$ within seven business working days.
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    ReplyDelete
  68. I am so happy I got my loan from Mrs Sarah Abubaker now my life is back to normal, and my business is going smoothly thanks be to Mrs Sarah Abubaker you can also contact him if you need a loan today? Email him via: Mrfrankpoterloanoffer@gmail.com

    ReplyDelete


  69. I went through hell last year trying to get an educational support from family and frinds last year and this therefiore made me decide to go in search of an urgent educational loan online by checking in through the google machine and i found a couple of loan agencies that promised to grant me a loan but been a smart Guy and also very attentive , i found out that several of those loan agencies that i encountered would not even waste any much time to approve my loan and the next thing they would ask for my bank account details and a transfer fee which really made me feel very uncomfortable simply because i never believed in those processes . I further went online and on one fateful Saturday i found testimony online about a loan agency named THE WINONA MILLARAY LOAN COUNCIL and upon communicating with them and seeing their online protocols , i saw something so distinct and different about them simply because they scrutinized my details properly and even to the extent of sending a signal to my current location in order to check if it was giving the right address and after all this was concluded , i was now fully convinced even by the way they message me , OMG , so official , and their email has a signature that shows that the loan agency was properly licences and duly accredited and seeing all these proves i decided to proceed with them and by God grace , i was granted an educational loan funds of POUNDS 80K upon my qualification for that loan and this is why i am so so happy and excited posting about this loan agency that has giving me hope again to go back to school and the beauty of this loan agency is that they normally give you a time period of 6 months space to start with your loan repayment after you might have received a loan from them .here is their information and do make sure that you have them contacted if really you are interested in getting any form of loan funds online simply because i have verified and found out that they are the best leading online loan agency of our time .thewinonamillarayloancouncil@hotmail.com and mrswinonamillarayloancouncil@gmail.com Angel

    ReplyDelete


  70. I went through hell last year trying to get an educational support from family and frinds last year and this therefiore made me decide to go in search of an urgent educational loan online by checking in through the google machine and i found a couple of loan agencies that promised to grant me a loan but been a smart Guy and also very attentive , i found out that several of those loan agencies that i encountered would not even waste any much time to approve my loan and the next thing they would ask for my bank account details and a transfer fee which really made me feel very uncomfortable simply because i never believed in those processes . I further went online and on one fateful Saturday i found testimony online about a loan agency named THE WINONA MILLARAY LOAN COUNCIL and upon communicating with them and seeing their online protocols , i saw something so distinct and different about them simply because they scrutinized my details properly and even to the extent of sending a signal to my current location in order to check if it was giving the right address and after all this was concluded , i was now fully convinced even by the way they message me , OMG , so official , and their email has a signature that shows that the loan agency was properly licences and duly accredited and seeing all these proves i decided to proceed with them and by God grace , i was granted an educational loan funds of POUNDS 80K upon my qualification for that loan and this is why i am so so happy and excited posting about this loan agency that has giving me hope again to go back to school and the beauty of this loan agency is that they normally give you a time period of 6 months space to start with your loan repayment after you might have received a loan from them .here is their information and do make sure that you have them contacted if really you are interested in getting any form of loan funds online simply because i have verified and found out that they are the best leading online loan agency of our time .thewinonamillarayloancouncil@hotmail.com and mrswinonamillarayloancouncil@gmail.com Angel

    ReplyDelete



  71. Hi everyone , I go by the name Jaxon from Australia and I just want to say a very resounding thank you to the Ameir Miller Loan firm for their sincerity , openness , transparency , truthfulness , love and support during and after getting loan funds from them . I have been through a lot in the hands of those scammers and time won’t permit me to say all that I went through in the year 2018 online in the guest or getting a loan funds to get a home here in Australia but God answered my prayers through the support and love from pastor Mrs Ameir Miller who embraced me and understood with me despite my initial doubt and unseriouness and with her good heart and love I am now a home owner through her 2.5 interest rate loan funds and I have vow to spread this news and also tell the world that there are still genuine and few good online loan firms out there that can assist and also revive a dry bone like I was in 2018 .

    Don’t fail to listen and read this testimony because this is a true life changing experience and anyone that needs this kind of turn around should not hesitate or doubt this because I have prove and I swear to God in Heaven that this story is real and also the story of my experience with them .

    Check them out on their email if you need finance .. email : ?ameirmillerclassicloaninstitute@yahoo.com , ameirmillerapprovedloans@usa.com? or ameirmillerfinancialinstitute@gmail.com

    ReplyDelete



  72. Hi everyone , I go by the name Jaxon from Australia and I just want to say a very resounding thank you to the Ameir Miller Loan firm for their sincerity , openness , transparency , truthfulness , love and support during and after getting loan funds from them . I have been through a lot in the hands of those scammers and time won’t permit me to say all that I went through in the year 2018 online in the guest or getting a loan funds to get a home here in Australia but God answered my prayers through the support and love from pastor Mrs Ameir Miller who embraced me and understood with me despite my initial doubt and unseriouness and with her good heart and love I am now a home owner through her 2.5 interest rate loan funds and I have vow to spread this news and also tell the world that there are still genuine and few good online loan firms out there that can assist and also revive a dry bone like I was in 2018 .

    Don’t fail to listen and read this testimony because this is a true life changing experience and anyone that needs this kind of turn around should not hesitate or doubt this because I have prove and I swear to God in Heaven that this story is real and also the story of my experience with them .

    Check them out on their email if you need finance .. email : ?ameirmillerclassicloaninstitute@yahoo.com , ameirmillerapprovedloans@usa.com? or ameirmillerfinancialinstitute@gmail.com

    ReplyDelete
  73. DO YOU NEED AN AFFORDABLE LOAN TODAY?

    We have provided over $1 Billion in business loans to over 15,000 business owners just like you. We use our own designated risk technology to provide you with the right business loan so you can grow your business. Our services are fast and reliable, loans are approved within 24 hours of successful application. We offer loans from a minimum range of $10,000 to a maximum of $200 million.

    Do you find yourself in a bit of trouble with unpaid bills and don’t know which way to go or where to turn? What about finding a reputable Debt Consolidation firm that can assist you in reducing monthly installment so that you will have affordable repayment options as well as room to breathe when it comes to the end of the month and bills need to get paid? Dr. Jayden Martin Home Loans is the answer. Reduce your payments to ease the strain on your monthly expenses. Email (jaydenmartinhomeloans@gmail.com) Phone: +1 (929)277-5237

    DO YOU NEED 100% FINANCE? we give out loans with an affordable interest rate of 2% JAYDEN MARTIN HOME LOANS, (jaydenmartinhomeloans@gmail.com) aims is to provide Excellent Professional Financial Services.

    Our services include the following:

    *Truck Loans
    * Personal Loans
    * Debt consolidation loans
    * Car Loans
    * Business Loans
    * Education Loans
    * Mortgage
    *Refinancing Loans
    * Home Loans

    We give you loan with a low interest rate of 2% and loan duration of 1 to 30 years to pay back the loan (secure and unsecured). Do not keep your financial problems to yourself in order for you not to be debt master or financial stress up, which is why you must contact us quickly for a solution to your financial problems. It will be a great joy to us when you are financially stable. Email (jaydenmartinhomeloans@gmail.com) Phone: +1 (929)277-5237

    NOTE:Bear in mind that it will only take less than 24 Hours to process your file is 100% Guaranteed no matter your Credit Score.

    Yours Sincerely,
    Dr. Jayden Martin
    +1 (929)277-5237
    We are certified and your privacy is 100% safe with us. Worry no more about your loans or finances.


    Get your instant loan approval

    ReplyDelete
  74. I am a reliable private lender and Investor, Do you need a legit, honest, reputable and quick loan? I can help you with 100% guarantee loan, I am offering business and individual loan, More also we financing all kind of projects. For more details contact us Via Email:(raymondquickloan@gmail.com) Phone number:+1(213)600-4547

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    ReplyDelete
  75. XMAS Loan! XMAS Loan!! Xmas Loan!!! Do you need loan for your Xmas or to pay up your debts? Reboots your Business, Project Funds, Home, Personal. how are you planing for the End of the year expenses Apply today email: fastneasservices@fastservice.com for your financial issues will be over today...

    ReplyDelete
  76. Hello Everyone,

    Welcome to the future! Financing made easy with Dr. Everett Cooper.

    Have you been looking for financing options for your new business plans, Are you seeking for a loan to expand your existing business, Do you find yourself in a bit of trouble with unpaid bills and you don’t know which way to go or where to turn to? Have you been turned down by your banks? Dr. Everett Cooper. says YES when your banks say NO. Contact us as we offer financial services at a low and affordable interest rate of 2% for long and short term loans. Interested applicants should contact us for further loan acquisition procedures.

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  79. Halo semuanya, Nama saya Siska wibowo saya tinggal di Surabaya di Indonesia, saya seorang mahasiswa, saya ingin menggunakan kesempatan ini untuk mengingatkan semua pencari pinjaman untuk sangat berhati-hati karena ada banyak perusahaan pinjaman penipuan dan kejahatan di sini di internet , Sampai saya melihat posting Bapak Suryanto tentang Nyonya Esther Patrick dan saya menghubunginya melalui email: (estherpatrick83@gmail.com)

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  85. My name is Doris Susan, am a Citizen Of Austria.Have you been looking for a loan? Do you need an urgent personal loan or business loan? contact Mr Carroll Walker Finance Home he help me with a loan of 42,000 Euro some days ago after been scammed of 2,800 Euro from a woman claiming to been a loan lender but i thank God today that i got my loan worth 42,000 Euro. Feel free to contact the company for a genuine financial service. Email:(infoloanfirm8@gmail.com)

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  90. My name is Mrs Aisha Mohamed, am a Citizen Of Qatar.Have you been looking for a loan?Do you need an urgent personal loan or business loan?contact Dr James Eric Finance Home he help me with a loan of $42,000 some days ago after been scammed of $2,800 from a woman claiming to been a loan lender but i thank God today that i got my loan worth $42,000.Feel free to contact the company for a genuine financial service. Email:(financialserviceoffer876@gmail.com) call/whats-App Contact Number +918929509036

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  97. TESTIMONY ON HOW I GOT MY LOAN FROM A GENUINE FINANCE COMPANY LAST WEEK. Email for immediate response: drbenjaminfinance@gmail.com

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  103. ARE YOU LOOKING FOR AN ONLINE HACKERS.  IF YOU NEED GENUINE AND PROFESSIONAL HACKING SERVICES CONTACT : GEO COORDINATES HACKER. After too many disappointments with hackers. O my God i still can't believe the world still has legit hackers like this out there. i came across Bobby Zion’s post on a blog where she talked about a hacker who helped her out with a  bitcoin wallet hack so I contacted him to see if its truth because of my experience with some hackers that I had to stop looking for a hacker until I saw the post and I decided to try for the last time. It's actually impossible to put in words how much of a Genius he is and also can't stop thanking God for directing me to Geo Coordinates Hacker. Geo Coordinates Hacker They are capable of any type of hack in the hacking world as they call it. He is actually one of the best out there and also very good at understanding whatever you are going through, in my own case the money wasn't the problem and i can gladly say every money spent was so worth it. I made a promise to him that I must tell the world of his good works and if you are interested in any type of hacking jobs you can contact him through his Email: geocoordinateshacker@proton.me.  And please tell him Diana Eldes told you about his good works and I keep saying thank you Geo Coordinates Hacker. And God bless you for everything.

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