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Costs for the clean-up of the recent banking crisis are also rising. We expect a 200-300bp increase in cost/income ratios from the increase in the annual levy for AMCON - the 'bad bank' - in 2013 to 0.5% of total assets, from 0.3%. We believe the banks can partly offset the earnings pressure by boosting volumes, widening the range of fee-based products and concentrating on low-cost deposits. The AMCON bond maturities in December 2013 and October 2014 should give banks additional liquidity to expand as the AMCON bonds will be repaid with a mixture of cash and treasury bills. But if growth leads to a loosening of underwriting standards or exposure to new and untested segments, such as mass retail or the newly privatised sectors such as power, then there could be a relapse of bad debt problems.
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‘Most products are ready-made spoonable foods that are no more energy dense than formula milk, and are generally much less nutrient dense than home-made foods,’ researchers wrote. ‘This meant that around 50g of a soft spoonable family food might supply the same amount of energy and protein as 100g of ready-made spoonable food.’
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