背景・世界特有技能等：
An estate agents <a href=” http://www.jeanmonnetchair.info/citalopram-joint-pain-left.pdf#jeer ”>citalopram qt prolongation risk</a> Ireland's banking sector still has very high levels of nonperforming loans(NPLs)， at above 25% of the domestic loan book， and rising. Most notably，mortgage arrears continue to increase (13.5% of accounts are more than 90 dayspast due). Recent government legislation has removed legal obstacles torepossession and introduced a new personal insolvency regime. A revised code ofconduct that governs how lenders must treat struggling mortgage borrowers hasalso been introduced. Given these recent developments， we expect banks will nowmove more rapidly to try and resolve cases of long-term arrears followingtargets set by the central bank， which will likely lead to a large number offoreclosures in buy-to-let properties. Partly as a result， we do not expectIreland's larger banks to return to profitability in 2013 and， in some cases，probably not until 2015. We also believe they will remain reluctant to lend tothe domestic economy.
特技、種族特徴、クラス特徴等：
An estate agents <a href=” http://www.jeanmonnetchair.info/citalopram-joint-pain-left.pdf#jeer ”>citalopram qt prolongation risk</a> Ireland's banking sector still has very high levels of nonperforming loans(NPLs)， at above 25% of the domestic loan book， and rising. Most notably，mortgage arrears continue to increase (13.5% of accounts are more than 90 dayspast due). Recent government legislation has removed legal obstacles torepossession and introduced a new personal insolvency regime. A revised code ofconduct that governs how lenders must treat struggling mortgage borrowers hasalso been introduced. Given these recent developments， we expect banks will nowmove more rapidly to try and resolve cases of long-term arrears followingtargets set by the central bank， which will likely lead to a large number offoreclosures in buy-to-let properties. Partly as a result， we do not expectIreland's larger banks to return to profitability in 2013 and， in some cases，probably not until 2015. We also believe they will remain reluctant to lend tothe domestic economy.
パワー：
An estate agents <a href=” http://www.jeanmonnetchair.info/citalopram-joint-pain-left.pdf#jeer ”>citalopram qt prolongation risk</a> Ireland's banking sector still has very high levels of nonperforming loans(NPLs)， at above 25% of the domestic loan book， and rising. Most notably，mortgage arrears continue to increase (13.5% of accounts are more than 90 dayspast due). Recent government legislation has removed legal obstacles torepossession and introduced a new personal insolvency regime. A revised code ofconduct that governs how lenders must treat struggling mortgage borrowers hasalso been introduced. Given these recent developments， we expect banks will nowmove more rapidly to try and resolve cases of long-term arrears followingtargets set by the central bank， which will likely lead to a large number offoreclosures in buy-to-let properties. Partly as a result， we do not expectIreland's larger banks to return to profitability in 2013 and， in some cases，probably not until 2015. We also believe they will remain reluctant to lend tothe domestic economy.
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