ESA

Spanish Peseta, Account A previously used in Andorra and Spain

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Wholesale mortgage banking
The purchasing of loans originated by others, with the servicing rights released to the purchaser.

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NPBT

Net Profit before Tax (NPBT) - i.e. a measure of performance (i.e. net profit) without taking into account taxation. Since taxation is something management has little control over, it is often useful to see how much money a company is earning before having to pay any taxes.


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