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(Click for frequent words.) 74 recapitalization 66 recapitalizing 66 recapitalising 64 recapitalised 63 recapitalize banks 61 recapitalized 60 restructure 59 partially nationalize 57 orderly unwinding 53 refinance 53 securitise 52 recapitalizing banks 52 Landesbanks 52 reassure depositors 52 recapitalisations 51 liquidity 51 balance sheets 51 owned Landesbanks 51 undercapitalised 51 deleverage 50 highly indebted 50 unclog credit 50 delever 49 ringfence 49 partial nationalization 49 remutualisation 49 euro#B 49 balance sheet 49 Hypo Real Estate HRE 49 refinance maturing 49 bailout 49 soothe jittery markets 48 nationalized Anglo Irish 48 illiquid assets 48 reflate 48 adequately capitalized 48 banks 48 German landesbanks 48 Spanish cajas 48 Asset Management NRAM 48 nationalize 48 Bank ANGIB.UL 48 insolvent 47 technically insolvent 47 SuperSIV 47 SKBHC 47 repaying TARP funds 47 unfreeze lending 47 equitise 47 repay Tarp 47 DIP financing 47 nationalized Anglo 47 covenant headroom 47 refinance maturing debt 47 E2bn 47 subordinated bondholders 47 lenders 47 EUR5 billion 47 sponsored enterprises GSEs 47 Hypo Real Estate 47 deemed undercapitalized 47 FROB 47 SoFFin 47 Landsbanki Iceland 47 reorganize 46 restructuring 46 noncore assets 46 liquidity buffers 46 nationalized Fortis 46 AHBR 46 Recapitalisation 46 cajas 46 Hypo RE 46 unfreeze credit 46 Banks ALBK.I 46 Resona Holdings #.T 46 Plc NRK.L 46 lender 46 Sachsen Funding 46 Chief Executive Dieter Rampl 46 Everspan 46 firm Cerberus CBS.UL 46 refinancing 46 heavily indebted 46 Support Fund DFSF 46 landesbanks 46 liqudity 46 Parex Banka 46 E#bn [001] 45 Financial Stabilization Mechanism 45 Kommunalkredit 45 Deutsche Pfandbriefbank AG 45 Whistlejacket SIV 45 Commerzbank AG CBK.XE 45 BankCo 45 recapitalizes 45 Y1 trillion 45 EFSF 45 weakly capitalized 45 securitize 45 creditors 45 undercapitalized 45 ABCP trusts 45 receivership 45 nationalize Anglo 45 rightsize 45 Central Huijin 45 Burdale 45 nationalises 45 landesbank 45 debt 45 shed noncore assets 45 dollarise 45 convertible preferreds 45 Fortis Dexia 45 USD #bln [002] 45 equitize 45 prepackaged bankruptcy proceeding 45 Landesbanken 45 liquidate 45 EUR#bn [002] 45 divesting underperforming 44 WestImmo 44 reflating 44 orderly liquidation 44 insured depository 44 divest noncore assets 44 Financial Stability Facility 44 subordinated bonds 44 repay TARP 44 capital raisings 44 repay 44 Recapitalizing 44 e#bn 44 restructuration 44 FirstBuy scheme 44 SIV lite 44 perpetual subordinated 44 halting redemptions 44 German Landesbanks 44 European Stabilisation Mechanism 44 Sachsen LB 44 EUR #bln [002] 44 nationalize Parex Bank 44 Mike Aynsley 44 stabilize 44 fully underwritten 44 Luqman Arnold Olivant 44 lender SachsenLB 44 Chairman Eiji Hosoya 44 BPCE 44 deleveraging 44 borrowings 44 Core Tier 44 overleveraged 44 Norisbank 44 solvency 44 Pounds #bn [001] 44 Special Liquidity Scheme 44 deconsolidate 44 mortgagebacked securities 44 ample liquidity 44 IDBZ 44 Minami Nippon Bank 43 Deutsche Pfandbriefbank 43 bondholders 43 inject liquidity 43 Svyaz Bank 43 corporatise 43 indebted eurozone 43 SGBN 43 PHP2 billion 43 issuing eurobonds 43 nonbank ABCP 43 Eu#bn 43 SMIEIS 43 Hypo Real 43 Glitnir Landsbanki 43 restucturing 43 Governor Patrick Honohan 43 subordinated noteholders 43 Real Estate HRE 43 liquidities 43 Tivway 43 Secured creditors 43 FDIC receivership 43 ZCCM Investments Holdings 43 EuroWeek understands 43 AOFM 43 e#.#bn 43 unthawing frozen credit 43 RBS HBOS 43 selldowns 43 bank Fortis NV 43 Olivant Advisors 43 Pfandbriefbank 43 Chuo Mitsui 43 Fortis FOR.BR FOR.AS 43 landbanks 43 equity raisings 43 Tricap Partners 43 Whistlejacket 43 EUR3 billion 43 severely undercapitalized 43 Fovissste 43 convertible bonds 43 shareholdings 43 equity 43 WestLB WDLG.UL 43 debts 43 A#.# trillion [001] 43 Super SIV 43 economist Geraldine Concagh 43 QIP route 43 Duelguide 43 MI Reit 43 pref shares 43 BoSI 43 Professor Honohan 42 assets 42 ALLIED Irish 42 Ireland BKIR.I 42 Lehman LEHMQ.PK 42 Financial Stability Plan 42 derisk 42 BBIPL 42 Programme Tarp 42 controlling stake 42 IKB Deutsche Industriebank 42 Landesbank Baden Wuerttemberg LBBW 42 Commerzbank Dresdner 42 overborrowed 42 HBOS Lloyds TSB 42 adequacy ratio 42 ABN AMRO NV AAH.AS 42 Eurohypo 42 TARP 42 Deutsche Hypothekenbank 42 HGAA 42 Bayerische Landesbank BayernLB 42 guaranteeing interbank lending 42 Afribank Intercontinental Bank 42 airline Alitalia SpA 42 bookbuilding process 42 MatlinPatterson Global Advisors 42 subprime mortgage lender Countrywide 42 significantly deleveraged 42 CDO writedowns 42 Tripartite Authorities 42 ResMae 42 Mr Tsenin 42 securitising 42 Sole bookrunner 42 refloat 42 Landesbank Sachsen 42 AmericanWest 42 Clico Investment 42 3trn 42 recoup unrecovered 42 DFI supervises 42 broker Tricom 42 nationalisations 42 US1 trillion 42 private equity 42 bankā 42 € #bn [001] 42 Fortis FOR.BR 42 BNP Paribas #.FR 42 prepackaged reorganization 42 RBS Lloyds 42 nationalization 42 Singapore Temasek TEM.UL 42 AMCON 42 AUD#.# billion 42 Prominvestbank 42 receivers McGrathNicol 42 liquidity crunch 42 bancassurer 42 infuse Rs.# crore 42 heavily indebted eurozone 42 subsidiarisation 42 UniCredit SpA CRDI.MI 42 stakeholdings 42 yuan denominated bonds 42 nationalizing 42 sounder footing 42 subordinated debt 42 Colonial BancGroup Inc 42 fund SoFFin 42 GBP #bln [001] 42 Program PPIP 42 Asscher Finance 42 Group PLC RBS.LN 42 #billion £ #billion [002] 42 equityholders 42 dollarize 42 € 5bn 42 delevered 42 Y3 #bn 42 lender Dexia 42 accelerated bookbuild 42 divest 42 reprice 42 NPRF 42 creditor 42 nondepository 42 overcapitalized 42 BayernLB BAYLB.UL 42 refinanced 42 unguaranteed debt 42 Caja Castilla La Mancha 42 RBS RBS.L 42 strategically reposition 42 thwart hostile takeover 42 re denominate 41 bankrupt 41 Banco Comercial 41 ZABG 41 mortage lender 41 collateralised 41 aircraft lessor 41 quantitative easing QE 41 US3 trillion 41 financing 41 Sberbank VTB 41 Aleritas 41 highly leveraged 41 Banco Nossa Caixa 41 Y2 #bn 41 unfreezing credit 41 bankruptcy reorganization 41 banks.The 41 £ #.#tn 41 spokesperson Thoraya Pandy 41 De Vijlder 41 borrowing 41 A#.#bn 41 nationalized lender 41 restructured 41 inadequately capitalized 41 FDIC seizes 41 Chief Executive Adam Applegarth 41 selling noncore assets 41 Expanded Discount Window 41 Mr Rufrano 41 adequacy ratios 41 Afrexim 41 German landesbank 41 Ambac insures 41 Absolut vodka maker 41 fund Soffin 41 € 7bn 41 Spain Banco Sabadell 41 HBOS PLC 41 NHRKF 41 Plc LLOY LN 41 re domiciling 41 MillenniumIT Sri Lankan 41 loanbook 41 EUR4 billion 41 European Financial Stability 41 Dubai World DBWLD.UL 41 Rothensteiner 41 mutualisation 41 partially nationalizing 41 Amagerbanken 41 Greece ATEbank 41 NMBZ 41 appoint liquidator 41 EFSM 41 equitization 41 QIL 41 Allied Irish 41 unit Eurizon 41 SNS Reaal 41 BankBoston Argentina 41 American PLC AAL.LN 41 Banco Zaragozano 41 lossmaking 41 Caisse des Dépôts et 41 BHW Holding 41 Huijin 41 MitonOptimal 41 Glotec 41 renounce protectionism 41 thwart hostile takeovers 41 CEO Corrado Passera 41 equitising 41 RBS.L Quote Profile Research 41 PanAmericano 41 Dexia SA DEXB.BT 41 underfunded pension 41 Nan Shan Taiwanese 41 Credit du Nord 41 IIBI 41 insurer Winterthur 41 Flagstar Bancorp Inc 41 HBOS Lloyds 41 Suez GdF 41 SIVs 41 Georges Pauget 41 creditor constituencies 41 AXAF.PA 41 EUR#bn [001] 41 Cerberus Capital 41 LLoyds Banking Group 41 regionalise 41 lender HBOS 41 unblock frozen 41 Systemically important 41 Mandatory Convertible Bonds 41 renegotiate 41 Cerberus Capital Management CBS.UL 41 Banques Populaires 41 Mounting defaults 41 Whistlejacket Capital 41 Wieandt 41 GBP #bln [002] 41 Candover Investments 41 reassure jittery investors 41 CoCo bonds 41 caja 41 Chief Executive Cameron Clyne 41 lender IKB 41 Troubled Asset Relief Program 41 BBVA BBVA.MC 41 OCC regulates 41 Moza Banco 41 President Kunio Takagi 41 repurchase 41 securitize mortgages 41 Spyker Saab 41 unclog frozen 41 Hypo Real Estate HRXG.DE 41 retailer Arcandor 41 Hungary MKB 40 FRANKFURT AFX Commerzbank AG 40 HRE 40 #billion £ #billion [001] 40 solvency ratios 40 UniCredit SpA UCG.MI 40 exchangeable bonds 40 Securum 40 BlackRock BLK.N 40 UFJ Sumitomo Mitsui 40 Investec JSE INL 40 Westdeutsche AG 40 Master Liquidity Enhancement 40 underwrite 40 Sovereign Bancorp SOV 40 Marfin Popular 40 Examinership 40 Vneshekonombank VEB 40 Ableco Finance LLC 40 CIT.N Quote Profile Research 40 securitizing mortgages 40 unguaranteed 40 MLEC 40 Nova Ljubljanska 40 systemically important 40 lendable funds 40 Continental Jeffery Smisek 40 Mainsail II 40 Chairman Gerry Grimstone 40 reorganization 40 through emergency recapitalizion 40 Eurohypo AG 40 Bank Governor Lamido 40 financeable 40 US5bn 40 demutualising 40 IBFSL 40 Mizuho UFJ 40 inject euro1 40 RHJI 40 € #bn [002] 40 Mr Buonaccorsi 40 EUR4bn 40 Y2 trillion 40 Vangelakos mortgage 40 monoline bond 40 Deposit Insurance Corp 40 Protium 40 Barclays BARC.L Quote 40 Medium Term Note 40 Cajasur 40 Oaktree Capital 40 Rasameel 40 breaching covenants 40 Qualified Institutional Placement QIP 40 SachsenLB 40 #.# billion/#.# 40 HFA Hardest Hit 40 Eu#.#bn [002] 40 Lloyds LLOY.L 40 partnerships PPPs 40 Compagnia Aerea Italiana 40 housebuilder McInerney 40 Trouble Asset Relief 40 Oaktree Capital Management 40 Resona 40 European Stabilization Mechanism 40 Turkey Oyak 40 Essen Hyp 40 CABEI 40 Caixa Geral de Depósitos 40 deleverages 40 securitization 40 EMPG 40 Dutch bancassurer 40 Kaupthing Luxembourg 40 de levering 40 bailouts 40 Terra Firma EMI 40 Minister Jacek Socha 40 GBP #.#bln [002] 40 creeping nationalization 40 Managing Director Colm Doherty 40 Corsair Capital 40 receivables securitization 40 SEB A.SK 40 association BdB 40 Bank Bukopin 40 Nedbank NEDJ.J 40 Landesbank Sachsen Girozentrale 40 IBTC Chartered 40 redevelop foreclosed properties 40 MicroCred 40 CarVal 40 collaterised 40 CENTRO Properties Group 40 creditor protection 40 Chrysler repays 40 borrower defaulted 40 Pengana Managers 40 lender Ashikaga 40 sovereign wealth funds 40 Societe Generale SA #.FR 40 China #.SS #.HK 40 minimize compulsory redundancies 40 ING ING.AS 40 sharemarket float 40 BERLIN Commerzbank AG 40 Y3 trillion 40 Sberbank SBER#.MM 40 Chief Executive Stuart Gulliver 40 loans 40 MatlinPatterson 40 Napocor debts 40 Credit Agricole SA ACA.FR 40 shareholding 40 ATEbank 40 unsubscribed portion 40 financially distressed 40 bailing 40 E1bn 40 UniCredito Italiano 40 nonstrategic assets 40 TLGP 40 diversify 40 Escaline 40 INBS 40 giant Fortis NV 40 suspend redemptions 40 unfreeze 40 Afribank Finbank Intercontinental 40 repays TARP 40 nationalized 40 Transamerica reinsurance 40 Lenders Holding Co. LEND.O 40 dilutionary 40 Mercantil Servicios Financieros CA 40 Rhinebridge 40 CHF#bn 40 Cassa Depositi e Prestiti 40 OAO Sberbank SBER.RS 40 #bn â ¬ 40 Y5 trillion 40 modernize 40 Troubled Assets Relief 40 Intesa Sanpaolo ISP.MI 40 macroprudential tools 40 Bank Restructuring FROB 40 NPRFC 40 Canbank MF 40 PPIP 40 Nitrogen Chemicals 40 owned Caixa Geral 40 Troubled Asset 40 buyback 40 nonrecourse loans 40 Banco Popolare BAPO.MI 40 Standard Chartered PLC STAN.LN 40 David Lichtenstein Lightstone 40 Burdale Financial 40 Glenn Rufrano 40 SPVs 40 debt repayments 40 Caixa Geral 40 Henry Paulson 40 FreddieMac 40 financial regulator FINMA 40 quantitative easings 40 LSE AAL 40 € #,# bn [003] 40 Frankfurter Sparkasse 40 strict conditionality 40 Minsheng Banking 40 CIFG 40 macroprudential regulation 40 Passera 40 refleeting 40 Credit Institutions Stabilisation 40 delevering 40 relist 40 en pago 40 E#.# billion [002] 40 NPLs 40 mortgage lender 40 quantitive easing 40 Bawag 40 € 4bn 40 orderly insolvency 40 Amlak Tamweel 39 relaunch Alitalia 39 Basel III rules 39 Gina Proia spokeswoman 39 DFIs 39 Group Ltd. ANZ.AU 39 conglomerates Saad 39 Tamvakakis 39 Sovereign Bancorp Inc 39 Kaupthing Glitnir 39 depositors 39 Dexia DEXB.BT 39 Efibanca 39 Ableco Finance 39 bancor 39 downsize 39 tattered balance sheets 39 CFO Colm Kelleher 39 Rescap 39 Penerbangan Malaysia Bhd. 39 Cinda Asset Management 39 solvency ratio 39 unsubscribed shares 39 firesale 39 Bank hf Landsbanki 39 Chief Executive Corrado Passera 39 reinvest maturing 39 USD3bn 39 crystalise 39 redeploy 39 Chief Executive Georges Pauget 39 possession DIP financing 39 Siemens AG VDO 39 Atorka 39 silent participations 39 RBSRBS 39 hedge fund Och Ziff 39 AnaCap 39 #.#bn writedown 39 CFX FS 39 Arnold Ekpe 39 PGGW 39 buyouts spinouts 39 Banque Palatine 39 Banobras 39 CRAR 39 Olivant Advisers 39 monoliners 39 bankruptcy protection 39 loanable funds 39 Polbank 39 cashcall 39 Irelandâ 39 BNP Paribas BNP.FR 39 Metallon Gold 39 floorplan lenders 39 privatize 39 Depfa 39 leveraged buyouts LBOs 39 froze redemptions 39 FDIC Chairwoman 39 Plc NRK LN 39 DIP financings 39 BAC Loading 39 approve prepackaged reorganization 39 illiquid 39 Brait Private Equity 39 Primondo mail 39 Elisabeth Afseth 39 leveraged buyout 39 hopelessly insolvent 39 Banque Federale des Banques 39 collateralise 39 Srei Infra 39 prudential regulation 39 significantly undercapitalized 39 RG Premier 39 IAWS Co op 39 Ihejiahi 39 Samurai bonds 39 SFr#bn 39 downstreamed 39 Sipko Schat 39 interbank lending 39 CLICO Investment 39 Fannie FNM 39 Greece ATEBank 39 Marfin Financial 39 Group Inc ABK.N 39 Quantitative easing refers 39 BRED Banque Populaire 39 Phil Hodkinson 39 ABCPs 39 Airbus Power8 restructuring 39 Masawara 39 TBTF banks 39 overgeared 39 Repsol Brasil 39 Banca Romaneasca 39 Unicredit CRDI.MI 39 lender WestLB WDLG.UL 39 nonbanking 39 spokesman Joseph Evangelisti 39 Commerzbank AG CBK GY 39 Punk Ziegel Bove 39 de mutualisation 39 recoup unrecovered TARP 39 SourceGear LLC 39 Exportbank 39 Service1st 39 Doric Asset 39 Iceland Kaupthing 39 Bear Stearns BSC.N 39 Bankia 39 mandatorily convertible notes 39 lendable resources 39 Asset Management BIAM 39 Rs#.# trillion [002] 39 Jean Pierre Boespflug 39 € 2bn 39 strategic reorientation 39 GSEs 39 Wulf von Schimmelmann 39 Term Auction 39 € 6bn 39 Malon Wilkus Chairman 39 souring mortgages 39 further incensing Pyongyang 39 Export Import Ex Im 39 accelerated bookbuilding 39 Groupama SA 39 Markets Stabilisation 39 2trn 39 debts owed 39 Unfairly Fuld 39 investor Wilbur Ross 39 Barclays PLC BARC.LN 39 eurobond 39 Group JSE NED 39 PT Merpati Nusantara 39 Bank ANGL.I 39 Afrexim Bank 39 liquidation 39 HIPL 39 equitized 39 ¥ #bn [001] 39 Banistmo 39 Penerbangan Malaysia 39 overcapitalised 39 KBC KBC.BR 39 Carlo Tassara 39 Melngailis 39 Martinsa 39 insolvency 39 Giada Giani 39 Chief Executive Pier Francesco 39 GBP#bn [002] 39 grow organically 39 Merrion Capital 39 NAMA 39 Resolution Regime 39 memory chipmaker Qimonda 39 Lloyds LLOY.L 行情 39 mutualise 39 â ¬ #bn 39 repossession proceedings 39 opco 39 indebt 39 Investsberbank 39 5billion 39 Corp #.T 行情 39 Bank hf 39 Marac Finance 39 SDR denominated 39 Dubai HoldingDubai Holding 39 collateralised debt 39 Becbay 39 Asset Purchase 39 retailer Arcandor AG 39 AXA.AU 39 Marac 39 Talf 39 HSBC Holdings HSBA.L 39 Commonfund Strauss 39 Vehicle SIV 39 banks Kaupthing Landsbanki 39 renounceable entitlement offer 39 Volksbanken 39 Banco Nacional de Credito 39 sovereign wealth fund 39 Moonduster consortium 39 MyChoice HomeBuy 39 Angel Trains 39 Governor George Provopoulos 39 holdco 39 refurbish 39 Straarup 39 ¥ #tn 39 repay borrowings 39 maximize shareholder 39 SNS Reaal Groep NV 39 NatCity 39 #.#trillion [001] 39 Crédit Agricole SA 39 R7bn 39 Finland Sampo 39 upsize option 39 Troubled Assets Relief Program 39 Chairman Lukas Lundin 39 CIT.N 39 Groupe Banque Populaire 39 Investment Authority QIA 39 disorderly liquidation 39 GSE MBS 39 RBSG 39 VR Leasing 39 AMP demerger 39 demutualize 39 Corporation NASDAQ BKUNA 39 1trillion 39 Meeg 39 Geniki 39 Consignations CDC 39 lending 39 agri agra 39 ILFC 39 airline Malev 39 Kinki Osaka Bank 39 greenshoe option 39 repayment 39 BKUNA 39 Keynesian stimulus 39 regional carrier Crossair 39 eurosystem 39 unsecured bondholders 39 Paribas SA 39 carmaker GAZ 39 ABCP conduit 39 writedowns 39 ZNCB 39 Billionaire investor Wilbur Ross 39 Raiffeisen Zentralbank Osterreich 39 Candover Investments plc 39 Loan Guarantee 39 derisking 39 Banca Civica 39 € 8bn 39 Deutsche Schiffsbank 39 Jyrki Koskelo 39 Fortis NV FORSY 39 lender Hypo Real Estate 38 ARYZTA 38 Mr Tchenguiz 38 ZHL 38 Russian steelmaker Evraz 38 Rürup 38 Bankgesellschaft 38 Group VA.UL 38 PERLS V 38 Inc LEM.BE 38 undercapitalisation 38 systemically risky 38 GFHGFH 38 Japan ETIC 38 euro#.# billion [004] 38 counterparty exposures 38 Straumur Burdaras 38 IIFCL 38 Spain Grupo Santander 38 Freddie FRE 38 suffice Batson 38 rupiah denominated 38 Emporiki 38 nationalized RBS 38 Huchois 38 indigenise 38 Vizcaya Argentaria 38 Psallidas 38 Hannes Rehm 38 shareholders 38 E#bn [002] 38 BarCap Barclays Capital 38 Banque PSA 38 CoBank ACB 38 TARP repayments 38 Parex banka 38 merge 38 CZK #bn [002] 38 Depository Receipts IDRs 38 CoCos 38 financially troubled 38 Finance Guarantee EFG 38 ICDCI 38 Allco Principals Trust 38 Deposit Guarantee Fund 38 Agence Francaise de Developpement 38 frontload 38 lender IKB Deutsche 38 Rajiv Setia 38 state controlled ATEbank 38 Fairholme Pershing 38 Banco Portugues de Negocios 38 AgBank 38 subsidiary Heritable 38 naira denominated 38 Mitsubishi UFJ #.T 38 ONSL 38 borrow 38 placement du 38 Funding Facility CPFF 38 Resimac 38 Santander SAN.MC 38 Nationalising 38 NIBC Holding 38 macro prudential supervision 38 Financial Stability Contribution 38 CPI Gazit 38 Brookfield Pershing Square 38 quantative easing 38 Jack Chemello 38 Buyout firms 38 releveraging 38 renationalise 38 regulator FINMA 38 debt.The 38 fin ancial 38 mortgage financers 38 HSBC Holdings Plc HSBA.L 38 Helmut Hipper 38 Plc LLOY.L 38 Funding Facility 38 Primacom 38 prepackaged Chapter 38 Olasov 38 Bears Stearns Cos. 38 Parex 38 CajaSur 38 federally insured depository 38 Ashikaga Bank 38 Depots et Consignations 38 balancesheet 38 securitized mortgages 38 Edward Stotesbury 38 investible funds 38 Bukopin 38 Malakoff Mederic 38 IMB HoldCo 38 successfully remarketed 38 FDIC Deposit Insurance 38 de Depositos SA 38 HBOS HBOS.L 38 KBC Groep NV 38 covenant waivers 38 bankrupt Kirch 38 redevelop foreclosed 38 PLC LYG 38 fund Matlin Patterson 38 witnesses Seick 38 insurer Groupama 38 Grandpoint Capital Inc. 38 Abanka 38 1trn 38 write downs 38 vanmaker LDV 38 ESFG 38 multibillion dollar bailouts 38 JPY# trillion 38 Reinet Investments 38 Unifer 38 shareholder Shalva Chigirinsky 38 Gary Perlin 38 firesales 38 BNP Paribas SA BNPQY 38 Belgium KBC 38 Secretary Hank Paulson 38 Iceland Glitnir