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(Click for frequent words.) 75 macro prudential regulation 72 micro prudential regulation 72 macro prudential 70 prudential regulation 70 macro prudential oversight 69 micro prudential supervision 68 macroprudential regulation 67 macroprudential supervision 66 micro prudential 66 macroprudential 65 prudential supervision 61 macroprudential tools 61 European Systemic Risk 61 ESCB 61 Financial Stability Board 60 FSDC 59 Tripartite Authorities 59 macro prudential tools 59 Lamfalussy 59 prudential regulator 58 de Larosière 58 Larosiere 58 de Larosiere 57 Macro prudential 57 prudential oversight 57 SIFIs 56 Prudential Regulatory Authority 56 Systemic Risk 56 prudential 56 prudential framework 56 Prudential Regulation Authority 56 Gonzales Paramo 55 Financial Stability Forum 55 prudential regulations 55 prudential requirements 55 microprudential 55 Mr Elderfield 55 systemically important 54 Systemically Important 54 Macroprudential 54 macroprudential oversight 54 fail TBTF 54 Systemically important 54 Capital Requirements Directive 54 LBRO 53 Lamfalussy process 53 EMEAP 53 EIOPA 53 procyclicality 53 liquidity buffers 53 FSAP 53 macro prudential instruments 53 Securities Regulators CESR 53 YH Malegam 52 supervisory 52 Banka Slovenije 52 Banking Supervision BCBS 52 TARGET2 Securities 52 Systemically Important Financial Institutions 52 NBFC MFIs 52 systemically risky 51 eurosystem 51 FSA Sants 51 ECOFIN 51 G8 MEETING 51 Basel III accord 51 Mr Sants 51 Basel Accords 51 Basle II 51 FSA Handbook 51 Authority CPMA 51 De Larosiere 51 Solvency II directive 51 Multilateral Development 50 Cesr 50 DFIs 50 CFEB 50 devolved Administrations 50 Malegam Committee 50 Banking Supervisors CEBS 50 IORP directive 50 Basel Accord 50 procyclical effects 50 macroeconomic stabilization 50 TEQSA 50 Jacques de Larosière 50 Gieve 50 macroprudential measures 50 Matthew Elderfield 50 Eurosystem collateral 50 subsidiarity principle 50 Authority ESMA 50 Member Ernst Welteke 50 Member Lorenzo Bini 50 ECOFIN Council 50 Pervenche Beres 50 Financial Sector Reforms 50 eurogroup 49 supervise systemically 49 comitology 49 strict conditionality 49 European Stabilisation Mechanism 49 rupee convertibility 49 Liikanen 49 CBUAE 49 Teo Swee Lian 49 Professor Honohan 49 Financial Institutions Act BOFIA 49 institutions DFIs 49 QFCRA 49 BCSBI 49 Financial Supervision 49 Banking Codes 49 G SIFIs 49 Ghana BoG 49 Financial Stability 49 Andrea Enria 49 federally insured depository 49 Holds Rates Steady 49 procyclical 49 Jochen Sanio 49 SLHCs 49 regulative 49 Council FSDC 49 Eddy Wymeersch chairman 49 FSOC 48 Eugenio Domingo Solans 48 AML CFT 48 Violina Marinova 48 AIFMD 48 CEIOPS 48 BEREC 48 Central Banks ESCB 48 institutions SIFIs 48 inflation targeter 48 macro prudential measures 48 Takafumi Sato 48 CBBH 48 banksâ € ™ 48 Cebs 48 German Landesbanks 48 DFSADFSA 48 recapitalizing banks 48 Deposit Guarantee Schemes 48 NHS Commissioning Board 48 RNBCs 48 TARGET2 48 SFCs 48 NBFI 48 Banking Supervision 48 regulator APRA 48 Financial Supervisors ESFS 48 systemic 48 IORP Directive 48 Namibia BoN 48 Corporate Governance Code 48 Narasimham Committee 48 monetary aggregates 48 Fullani 48 IMFs 48 Finland Erkki Liikanen 48 Algo Collateral 48 Reinsurance Directive 48 Bozo Jasovic 48 contra cyclical 48 finance minsters 47 ECB Bini Smaghi 47 supranational institutions 47 Basel III norms 47 regulatory framework 47 orderly unwinding 47 recapitalising 47 Europlace 47 Provopoulos 47 inflexibly attached 47 subsidiarisation 47 MDBs 47 regulate nonbank 47 Financial Institutions Regulatory Authority 47 Council FSOC 47 Phdcci 47 BASEL II 47 statutory consultee 47 Consolidated Supervised Entities 47 Svein Andresen 47 external imbalances 47 NHS Commissioning 47 FRRP 47 CPSS IOSCO 47 Capital Adequacy 47 ECB Draghi 47 Quantitative easing QE 47 suffice Batson 47 SEA Directive 47 BCFP 47 QFC Regulatory Authority 47 structural reforms 47 wider firebreak 47 Altafaj 47 BoF Noyer 47 QFMA 47 financial intermediation 47 Athanasios Orphanides 47 monetary policy 47 Institute WAMI 47 EcoFin 47 International Settlements BIS 47 Regional Coordinating Councils 47 Remuneration Code 47 SERCs 47 IPAP2 47 BRUSSELS MNI 47 Solvency II Directive 47 Counterparty Risk Management 47 Gradualism 47 Eurosystem 46 ECB Provopoulos 46 euroland 46 Wymeersch 46 Governor Stefan Ingves 46 ABSs 46 NEPAD secretariat 46 FINANCIAL SERVICES AUTHORITY 46 IMFC 46 Deppler 46 Landesbanks 46 CRD3 46 Absip 46 Altafaj Tardio 46 ECB Liikanen 46 NCEUS 46 OCC regulates 46 George Provopoulos 46 HN Sinor 46 photo Letisha Henderson 46 financial institutions IFIs 46 EU# strategy 46 Cohesion Policy 46 Parastatal 46 grievance redressal mechanism 46 De Larosière 46 SMIEIS 46 Christine Farnish 46 governor Ivan Iskrov 46 Occupational Pensions Supervisors 46 GRCB 46 territorial cohesion 46 Jacques de Larosiere 46 Governor Christian Noyer 46 interbanking 46 inter departmental coordination 46 Sidbi 46 Qu Wanxiang 46 Prof Honohan 46 Capital Adequacy Framework 46 Regulatory Reforms 46 Target2 46 macroeconomic 46 CAMELS rating 46 small enterprises MSEs 46 DG Sanco 46 member Vitor Constancio 46 ECB Quaden 46 Structural Funds 46 Primatial Vicar 46 RBSG 46 absorptive capacities 46 CLRG 46 NCBs 46 Chairman Jane Diplock 46 Enria 46 FHCs 46 intermediation 46 SMEEIS 46 Klinz 46 José Manuel González Páramo 46 governor Mario Draghi 46 Ms Ezekwesili 46 BHCs 46 Treating Customers Fairly 46 Determinations Panel 46 MNEs 46 econo mic 46 Mallam Sanusi Lamido Sanusi 46 Vepa Kamesam 46 IASCF 46 Basel III 46 see IP/#/# [001] 46 Crown Dependencies 46 TheCityUK 45 Wakf Boards 45 SA Asgi SA 45 ESFS 45 BICRA 45 Nonbank 45 Financial Regulator 45 Helena Ostman spokeswoman 45 Bharat Overseas 45 DIFC Authority 45 BDDK 45 ČNB 45 nonbanks 45 Governor Athanasios Orphanides 45 Ceiops 45 UCITS IV 45 Civil Contingencies Bill 45 APCIMS 45 Daniel Goelzer 45 HIGHLIGHTS ECB 45 commissioner Joaquín Almunia 45 chairman Dieter Rampl 45 Stewardship Code 45 fin ancial 45 Buba Weber 45 prudential norms 45 interlinkages 45 Sharia'a 45 FSB Draghi 45 Temporary Framework 45 countercyclical fiscal 45 Edward Stotesbury 45 Malegam 45 Internal Audit Unit 45 Tomasso Padoa Schioppa 45 PSBs 45 IORP 45 financial institutions SIFIs 45 automatic stabilizers 45 MIFID 45 Mario Draghi 45 Eurogroup Juncker 45 supervise nonbank 45 Governor Ivan Iskrov 45 Malegam committee 45 Resolution Regime 45 EMEs 45 Rürup 45 nondepository 45 Ghana BOG 45 econ omic 45 M &A; finance 45 BdB 45 governor D. Subbarao 45 SFLG 45 Monolines 45 Charles Goodhart 45 ERGEG 45 Monetary Policies 45 IDZs 45 IOSCO Technical 45 TS Narayansami 45 capitalized minimums 45 Korishchenko 45 IBIs 45 moral hazard 45 Member Christian Noyer 45 Disciplined Forces 45 Ewald Nowotny 45 banks MDBs 45 finmins 45 Supervisors CEBS 45 CEBS 45 Telecoms Package 45 fiat monetary 45 macro economic 45 Sheila Nicoll 45 Banking ICB 45 Finma 45 ECB Noyer 45 FRSSE 45 E#bn [001] 45 MMDAs 45 Landesbanken 45 Christian Noyer 45 goverance 45 NBRM 45 binding constraint 45 Financial Institutions Regulatory 45 Chin Dong soo 45 AV Rajwade 45 BFIs 45 RMB internationalization 45 AIFMs 45 Excessive Deficit Procedure 45 Mr Munchenberg 45 Oudea 45 Anti Corruption Code 45 Governor Chukwuma Soludo 45 FSSCC 44 SGBN 44 WAEMU 44 De Nederlandsche Bank 44 IASC Foundation 44 Mr Siripol 44 Hector Sants FSA 44 Declan Quilligan 44 SDR denominated 44 ECB Bonello 44 Axel Weber Bundesbank 44 derivatives clearinghouses 44 Sants 44 partially nationalize 44 macroeconomic imbalances 44 Baltic Sea Region 44 codecision procedure 44 World BankWorld 44 Sanad Programme 44 ECB Paramo 44 Unclaimed Assets 44 Photo Letisha Henderson 44 unsterilized intervention 44 Tang Shuangning vice 44 MEMO/#/# [002] 44 German Fin Min 44 Basel II 44 Thyroid hormones 44 inter sectoral 44 negative spillovers 44 Money loveA 44 Ms Diplock 44 Expansionary 44 Macroeconomic stability 44 Deirdre Hutton 44 TTIFC 44 indices firmed #,# 44 Financial Stability Oversight 44 supranational 44 Equator Principles voluntary 44 Securities Commissions IOSCO 44 CBN NDIC 44 IOSCO 44 Fiduciary Standard 44 EC Directives 44 KP Narasimhan 44 LEGAP 44 Target2 Securities 44 commissioner Michel Barnier 44 Tevfik Bilgin 44 inter ministerial coordination 44 Sir Win Bischoff 44 Consultation Paper 44 anticrisis measures 44 Euratom Treaty 44 Jürgen Stark 44 BES islands 44 nonbanking 44 accountancy profession 44 Shang Fulin 44 CC Downie P.Geo 44 IPPC Directive 44 central bankcentral bank 44 GRIs 44 Ozince 44 Asgisa 44 ECB policymaker 44 NBFC MFI 44 MIIs 44 AML CFT regime 44 regulator Finma 44 nonbank institutions 44 Special Purpose Vehicles 44 interconnected nonbank institutions 44 Dr Bandid 44 Jurgen Stark 44 undercapitalisation 44 bankā 44 CRE exposures 44 confront unpleasant truths 44 Non Departmental 44 Ms Thorat 44 HLCC 44 NBFIRA 44 snowballed imperiling 44 RH Patil 44 disorderly unwinding 44 SARFAESI Act 44 Operational Risk 44 CRE concentrations 44 member Gertrude Tumpel 44 ASGISA 44 Marko Kranjec 44 Tumpel Gugerell 44 Financial Stability Report 44 IFSRA 44 Jiang Dingzhi vice 44 Jun Kwang Woo 44 Capital Adequacy Directive 44 Finansinspektionen 44 Lord Myners 44 unelected quangos 44 association BdB 44 cassette CD Minidisc 44 Sri Lanka CBSL 44 Financial Stability Review 44 BoE Gieve 44 MFIN 44 CMIM 44 Insolvency Directive 44 Gauzès 44 Pfandbrief 44 Josef Ackermann Deutsche 44 ATVOD 44 ECB Wellink 44 Adair Turner 44 Kazyna 44 NDPBs 44 Commissioner McCreevy 44 Citizens Economic Empowerment 44 reputational risk 44 Systemic Risks 44 FEMIP 44 lendable resources 44 Tang Shuangning 44 NDPB 44 VoiceCash Bank 44 Clive Briault 44 T2S 44 Occupational Pensions 44 EaP 44 Maastricht convergence 44 market dynamic revaluating 44 Electricity Regulatory Commissions 43 OCTs 43 Restructured Accelerated Power 43 National Rainfed Area 43 NBFIs 43 JJ Irani Committee 43 EU# [001] 43 Crofters Commission 43 Steve Bundred 43 Asian Monetary Fund 43 Moral suasion 43 FSA Hector Sants 43 José Viñals 43 Inflation Targeting 43 spokeswoman Regina Schueller 43 KiwiSaver schemes 43 SEACEN 43 eurozone 43 Monetary 43 BOFIA 43 Wellink 43 enterprise partnerships LEPs 43 Norway Norges Bank 43 FDICIA 43 Remsperger 43 regulatory frameworks 43 inspectorates 43 OP Pohjola Group 43 IPPP 43 V. Leeladhar 43 Sally Dewar 43 Gabriel Bernardino 43 minimizing speculative bubbles 43 Special Liquidity Scheme 43 KfW Bankengruppe 43 adopting IFRS 43 Michael Izza 43 Gawaxab 43 Mr Steinbrück 43 governor Christian Noyer 43 Istvan Szekely 43 CfE 43 regulatory 43 Securitisation Forum 43 LINks 43 expansionary stance 43 Actuarial Standards 43 Regions CoR 43 Seylan Bank PLC 43 Stress Tests 43 Pfandbriefe 43 YSP Thorat 43 FATF Recommendations 43 devolved administrations 43 IRBA 43 Sveriges Riksbank 43 central counterparties CCPs 43 EUROCHAMBRES 43 allocative efficiency 43 AFEP MEDEF 43 Barclays PLC BARC.LN 43 moral suasion 43 Dr. Nasser Saidi 43 IBTC Chartered 43 Moral hazard 43 González Páramo 43 Dr Chalongphob 43 PCA Directive 43 localism agenda 43 Covered Bond 43 Migration Impacts Forum 43 Ziyad Samadzade 43 policymaker Adam Posen 43 Money Laundering FATF 43 Budgetary Control 43 Groupe Banque Populaire 43 IGOs 43 John Plender 43 Twelfth Finance 43 regionalise 43 Hans Hoogervorst 43 intermediating 43 tradeables sector 43 Audit Committees 43 Controlled Organisations 43 Act FMSA 43 Medium Term Strategy 43 COAG Reform 43 Rwanda BNR 43 financialisation 43 INTOSAI 43 IADI 43 willful defaulters 43 CBBCBB 43 troika comprising 43 Enterprise Partnerships LEPs 43 banks 43 David Kenmir 43 FCAG 43 MEUSAC 43 Camdessus 43 banking 43 comitology procedure 43 Seven industrialized democracies 43 quango cull 43 Ecofin 43 FSLRC 43 Microfinance Institutions Network MFIN 43 Swedbank SEB 43 Tunde Lemo 43 UNDP UNFPA 43 PIIGS Portugal Italy 43 MV Nair chairman 43 Clico Investment 43 SoFFin 43 IAASB 43 redress imbalances 43 Dr Edey 43 proportionality principle 43 Patrick Honohan 43 ECCU 43 GP consortiums 43 Listed Entities 43 NODMC 43 IMF conditionality 43 Nigeria CBN Mallam 43 Yashpal Committee 43 INSPIRE Directive 43 CP#/# 43 structural rigidities 43 slowdown Governor Perng 43 governor Njuguna Ndung'u 43 Cazzulani 43 ECB Liebscher 43 MSME sector 43 Oracle Reveleus 43 Jouyet 43 overindebtedness 43 Deutsche Bundesbank 43 Erkki Liikanen 43 SCBs 43 bancassurer 43 Internal Capital Adequacy 43 Jiang Dingzhi 43 Nordea Handelsbanken 43 Bretton Woods institutions 43 Tarullo 43 RISDP 43 AK Khandelwal 43 microfinance institutions MFIs 43 Vyugin 43 toestablish 43 tri partite 43 resisting protectionism 43 spokesman Gerassimos Thomas 43 Ingves 43 thefinancial 43 European Monetary Fund 43 CLICO Investment 43 QIS5 43 respond flexibly 43 ECB 43 Keep Rates Unchanged 43 Finance Institutions MFIs 43 COSO framework 43 correcting imbalances 43 Carbon Principles 43 member Athanasios Orphanides 43 EFSM 43 MENAFATF 43 WGIG 43 Cipfa 43 Covered Bonds 43 Usha Thorat 43 Financier CSSF 43 safeguard clauses 43 Insurance Supervisors IAIS 43 Financial Institutions Supervision 43 CEHR 43 FSCP 43 experienced larynx spasm 43 OeNB 43 Italy Mario Draghi 43 Prompt Corrective Action 43 GMO cultivation 43 CRIs 43 ECBE 43 large interconnected nonbank 43 Parex Banka 43 subsidiarity 42 countercyclical buffers 42 Andreas Whittam Smith 42 COPOM 42 Frederic Oudea 42 commissioning consortia 42 DMBs 42 sovereign creditworthiness 42 Jonas Jonsson 42 decelerated broadly 42 Shadow chancellor Alistair 42 UKCES 42 governor Stefan Ingves 42 Chief Executive Hector Sants 42 sector enterprises CPSEs 42 CGPCS 42 eurogroup Luxembourg Jean Claude 42 BofE 42 Basel III accords 42 NMHH 42 HBOS Lloyds 42 Gauzes 42 Bini Smaghi 42 NRAs 42 AU NEPAD 42 Dutchman Wim Duisenberg 42 Practitioner Panel 42 HM Treasury 42 Matritech undertakes 42 Soundness 42 Governor Klaus Liebscher 42 Financial Stabilisation Mechanism 42 NBFCs 42 John Gieve 42 ECB Papademos 42 chairman Sergei Ignatyev 42 IFIs 42 multiple equilibria 42 exchanges depositories 42 Slovenian Presidency 42 Consob Italy 42 Exchequer Darling 42 Liu Mingkang 42 Batteries Directive 42 synthetic fertilizers hormones 42 macrofinancial 42 DeAnne Julius 42 Draghi 42 Safeguarding Children 42 Crown Dependency 42 institutions IFIs 42 panchayat raj institutions 42 Regulatory Regime 42 Deepak Parikh 42 insured depository 42 financialinstitutions 42 Allianz SE ALV.XE 42 Governor Sanusi Lamido 42 interparliamentary cooperation 42 prudentially 42 union Sasbo 42 cystic fibrosis transmembrane 42 comdirect 42 Jaime Caruana 42 regionalising 42 Özince 42 constitutionally delegated 42 regulator 42 UGC AICTE 42 Credit Institutions Stabilisation 42 exceptionally stimulative 42 mutualisation 42 Rachel Lomax 42 Mr Briault 42 Ethiopia NBE 42 alpha7 NNR 42 Prof Ndung'u 42 adequately capitalized 42 BSA AML compliance 42 Authority Finansinspektionen 42 CNCE 42 solidly anchoring 42 instiutions 42 Philippe Maystadt 42 Governor Marko Kranjec 42 commissioner Pedro Solbes 42 Kreditanstalt fur Wiederaufbau 42 regulator FINMA 42 Convergence Programme 42 DFI supervises 42 Ficora 42 liberalize FDI 42 bancor 42 Inspectorate Wales CSSIW 42 recapitalised 42 APRM Governing Council 42 Kellogg Nutrient Criteria 42 OECS Economic 42 Jean Pierre Jouyet 42 Europeanisation 42 SGBs 42 Parimutuel betting 42 mainstreaming gender 42 mildly accommodative 42 nonbank financial 42 Sir Winfried Bischoff 42 Viability Gap Funding 42 Sangour 42 euro#B 42 Lecce Framework 42 Poverty eradication 42 Ferdinand Fichtner 42 Sewel motion 42 website www.pbc.gov.cn 42 fund Klaus Regling 42 Mnyande 42 M. Achary 42 Dame Deirdre 42 initiatives PFIs 42 Monitory 42 undercapitalised 42 Bretton Wood 42 Myners 42 Gertrude Tumpel Gugerell 42 member Hans Reckers 42 actuarial profession 42 ARB Apex Bank 42 governor Mervyn King 42 SMEs 42 Union Territory Administrations 42 liberalizing FDI 42 multilateral frameworks 42 affairs Peter Montagnon 42 Branchless banking 42 IDRBT 42 KICs 42 Shari'ah scholars 42 KAB Governance Consult 42 proactiveness 42 AFME 42 trans sectoral 42 landesbanks 42 IFRS changeover 42 FRBM Act 42 SOEs 42 commissioner Ollie Rehn 42 INSOL 42 Assessment Programme FSAP 42 implementational 42 unclog frozen 42 Forum Eminent Persons 42 Commissioner Wallström 42 Gonzalez Paramo 42 interventionary 42 Bundesbank Axel Weber 42 accommodative monetary policies 42 ultra accommodative monetary 42 QFCQFC 42 quantitive easing 42 IVSC 42 AAOIFI 42 Prime Minister Inoni 42 Keeps Rates Unchanged 42 OFCs 42 Regulatory Frameworks 42 Mark Boleat 42 BWIs 42 Eurochambres 42 Civil Contingencies 42 Jagdeo Initiative 42 ETCS Washtenaw County 42 G7 MEETING Ministers 42 account convertibility 42 Amyas Morse 42 LSCB 42 Guillaume Menuet 42 Liquidity Risk 42 Abanka Vipa 42 Labour Brendan Howlin 42 BankAmericard Rewards card 42 Devolved Administrations 42 Standby Force 42 Governor Ivan Sramko 42 EU8 +2 42 MSEs 42 Superannuation Industry 42 Commissioner Figel 42 Civil Contingencies Act 42 G7 MEETING 42 NEPAD Secretariat 42 GFSC 42 Raiffeisen Zentralbank Österreich AG 42 MUSSO JT c 42 overinterpreting upcoming data 42 Qualifications Framework 42 ASX Corporate Governance 42 contractionary monetary policy 42 Statutory Liquidity Ratio 42 Medium Enterprises SMEs 42 Commissioner Joaquín Almunia 42 Smad proteins 42 mutually complementary 42 CAPART 42 Core Principles 42 EU Structural Funds 42 ISVAP 42 misaligned incentives 42 bondholder haircuts 42 Servaas Deroose 42 Lipstok 42 LAAs 42 Mongardini 42 Nanyang Commercial 42 Callum McCarthy 42 Pensions Regulator TPR 42 Tripartite 42 Gramercy Realty Loans 42 KJ Udeshi 42 financial watchdog Bafin 42 NBSSI 42 Bretton Woods Institutions 42 governance 42 NGRBA 42 Lorenzo Bini Smaghi 42 RBS Lloyds 42 Cherian Varghese 42 inflation targeters 42 ICPC EFCC 42 Dr Acquah 42 stock exchanges SEs 42 Santiago Principles 42 Italian greyhound cocker 42 PIIGS Portugal Ireland 42 policymaking 42 accomodative 42 EU Cohesion Policy 42 Medium Scale Enterprises 42 Banca d' Italia 42 Philippe Citerne 42 Laeken Declaration 42 IPBES 42 Division IA Conferences 42 Conditionality 42 directive MiFID 42 Heng Swee Keat 42 remutualisation 42 official Yuichi Adachi 42 Dr Nasser Saidi 42 Moec 42 Peter Montagnon 42 maker Adam Posen 42 Deputy Governor Shyamala 42 Austrian Raiffeisen 42 counter cyclically 42 IASB FASB 42 EU finmins 42 IFAC 42 THE RESERVE BANK 41 Zhouqu county Diemujiangteng 41 regulator Bafin 41 string 0 imageUrl 41 Favored Financial Institutions 41 Davos WEF 41 Syariah Advisory 41 eEurope 41 Marc Legault P.Eng 41 Spanish cajas 41 Temenos SIX TEMN 41 Brookfield Multiplex Capital 41 Shari'a principles 41 spokesman Paul Setsetse 41 chief economist Otmar 41 Josef Proll 41 reviving moribund credit 41 R. Gopalan 41 Mr. Ganiyu Ogunleye 41 QFC Authority 41 medium enterprises MSMEs 41 collateralisation 41 Shane Tregillis 41 Investment Scheme SMIEIS 41 institutions MFIs 41 OECD Gurria 41 Bric economies 41 spokesman Kevin Mukri 41 Autoriteit Financiële Markten 41 TSFG operates 41 Fifthly 41 Strains persist