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Scale is key for the investment by Intesa and others to pay off, with a penetration rate of at least 10 percent of a bank’s client base estimated as necessary for the non-life business to be profitable. But relative to an insurer relying on a network of agents who are incentivised to sell life products due to the bigger upfront payment, a bank can set specific goals for its employees to sell casualty or property policies cufflinks nyc. Intesa clients told Reuters they had been offered insurance products, in one case in return for better terms on their current account..

(This Feb 1 story corrects headline to say only Toyota’s sales fell in January, not Fiat’s). (Reuters) – Toyota Motor Corp on Friday reported a 6.6 percent fall in U.S. vehicle sales for January, hurt by lower demand for its Camry and Prius cars cufflinks nyc. The No.3 automaker in the United States by sales said it sold 156,021 vehicles in January, down from 167,056 vehicles a year earlier. Camry sales fell 3.4 percent, while Prius sales slumped 57 percent, the company said. Auto industry consultants J.D. Power and LMC Automotive forecast January auto sales to decline about 1 percent from the same month in 2018, partly due to uncertainty over the recent government shutdown..

The auto consultants also forecast total light vehicle sales this year to fall 1.9 percent to about 17 million units, compared with 2018. However, major automakers are bullish about 2019 sales even as economists warned that rising interest rates may discourage consumers from buying cars this year. General Motors Co and Ford Motor Co , the two big automakers that together commanded a 32 percent market share in 2018, have stopped reporting monthly sales numbers, opting to report on a quarterly basis cufflinks nyc.

Bloomberg, however, reported late on Friday that Ford’s sales rose 7 percent, while GM’s fell 7 percent in January, citing people familiar with the matter. GM declined to comment, while Ford was unavailable for comment. Smaller rival Fiat Chrysler Automobiles NV reported a 2 percent rise in U.S. auto sales for January, helped by higher demand for its Ram pickup trucks and said it expects strong sales in 2019. “In spite of some frigid January weather, we remain bullish on 2019 given the continued underlying strength of the U.S cufflinks nyc. economy,” Reid Bigland, Fiat’s U.S. head of sales, said..

CANBERRA (Reuters) – A special government-appointed inquiry excoriated Australia’s financial sector for misconduct on Monday, referring two dozen cases to regulators for possible legal action but leaving the structure of the country’s powerful banks in place. Regulators will be subjected to a new oversight body and the financial industry’s pay will be overhauled to remove conflicts of interest, according to the recommendations of the so-called Royal Commission cufflinks nyc. But the recommendations stopped short of measures that would threaten the A$400 billion ($289 billion) industry’s dominant position..