The unutilized balance is due in large part to staff cost savings.

The Board noted large savings in areas such as sub contracts and equipment.

Apart from accounting for the global divergence in savings rates, tight credit constraints in China might explain the country s high, and rising, savings rate especially as the large rise in national savings is attributable mostly to household savings. This would mean that China s much publicized effort to boost domestic consumption might in fact call for appropriate credit market reforms.

Because the current account balance is the difference between the investment and savings rates, the decline in investment will generate large surpluses unless savings also decline. And the experience of other aging societies, such as Germany and Japan, suggests that domestic investment falls faster than savings rates.

Yet this, too, may prove insufficient. Germany s investment savings gap is so large that, even if it increases domestic investment, the most we can expect from Europe is that it does not add to the global savings glut.

Noting that the proposed increase will be financed in large part from savings from previous financial periods, and on the understanding that thereafter every effort will be made in order to find corresponding savings elsewhere in the budget,

Savings

The savings of four weeks of session related expenses obtained in this manner would offset a large part of the United Nations costs of the Conference.

103. The cost of health care is weighing heavily on the savings of families and the economies of States, whether large or small, developed or developing.

The Yètè Mali Savings Network or savings and loan cooperative.

National savings

Savings policy

WSBI World Savings Banks Institute Formerly International Savings Banks Institute (ISBI). .

In 2007, the United States had a savings rate of 14.6 of GDP, but an investment rate of 19.6 , generating a current account deficit. By contrast, China had a fixed investment rate of 41.7 of GDP and a savings rate of 51.9 , reflected in a large surplus.

Savings Bond Inventory

Demand savings accounts

Term savings accounts

2. Anticipated savings

Savings and recoveries

None. No savings?

I have savings

However, in a country with a large mass of effective savers, the savings rate can rise, rather than fall. This asymmetry in savings patterns might thus reflect the simple fact that credit constrained economies are less sensitive to drops in the cost of borrowing relative to less constrained economies.

By encouraging personal savings and the use of the retained savings of firms, they also play an important role in mobilizing and generating domestic savings.

Savings 18 21 4

Recommended savings and recoveries

Actual savings and recoveries

Wait time savings, 2004

Savings rate as GNP

II. Savings and investment

Have you any savings?

Some noted that SMEs were not certifying according to ISO 14001 because of perceived savings and lower costs, but rather as a response to pressure from customers, in particular, large companies.

The Board considers that in view of the large savings and over expenditures in the individual responsibility centres there was scope to strengthen budgetary control at the level of responsibility centres.

(b) To achieve cost savings

They cannot make savings easy.

Reserves are like savings accounts.

We have enormous energy savings.

Daylight savings is over today.

Savings on prior period obligations

You brought up his savings.

Are these your personal savings?

The savings ratio, net savings, were below zero in the middle of 2008, just before the crash.

Lacking in saving and wanting to grow, America must import surplus savings from abroad. And to attract that foreign capital, it has no choice but to run equally large balance of payments deficits.

Fiscal consolidation. Large budget deficits are absorbing the national savings that should be used to expand business investment, and are increasing the national debt that will have to be financed by future taxes.

Important benefits of trade and transport facilitation measures relate to time savings, which often outweigh direct cost savings.

Why Are Savings Patterns So Different?