Latest news with #loanrepayment
Forbes
5 days ago
- Business
- Forbes
5 Key Student Loan Repayment Updates As Defaults Rise, Backlogs Grow
Federal student loan borrowers are struggling as the repayment system remains mired in turmoil. Hundreds of thousands of applications for repayment plans and student loan forgiveness programs remain stuck in backlogs. At the same time, huge changes imposed by the courts, the Trump administration, and Congress are reshaping the landscape for borrowers and making it more confusing than ever to figure out what their options are. The result of this confluence of events is a surge in student loan delinquencies. According to the Federal Reserve Bank of New York, student loan delinquency rates have steadily risen this year. 'In the second quarter of 2025, 10.2% of aggregate student debt was reported as 90+ days delinquent,' said the bank in its quarterly report released this month. 'Transition into early delinquency held steady for nearly all debt types; the exception was for student loans, which saw another uptick in the rate at which balances went from current to delinquent," although the bank noted that this uptick was also related to the resumption of credit reporting following a nearly five-year pause. Nevertheless, the Department of Education has acknowledged the fact that millions of borrowers are falling behind on their student loan payments. And the Trump administration anticipates that student loan default rates could double by the end of this year. 'More than 5 million borrowers have not made a monthly payment in over 360 days and sit in default—many for more than 7 years—and 4 million borrowers are in late-stage delinquency (91-180 days),' said the department in a statement in April. 'As a result, there could be almost 10 million borrowers in default in a few months. When this happens, almost 25 percent of the federal student loan portfolio will be in default.' Here are the latest updates for student loan borrowers struggling with repayment and loan forgiveness, and what they should know. Student Loan Interest Resumes For SAVE Plan Borrowers One of the biggest recent changes impacting the federal student loan system is the resumption of interest charges for borrowers in the SAVE plan forbearance. For more than a year, borrowers who selected SAVE (an income-driven repayment program launched by the Biden administration in 2023) have been in an involuntary administrative forbearance, which paused payments and interest. The forced forbearance is the result of a court injunction that blocks the program following a legal challenge brought by a coalition of Republican-led states. The Trump administration justified the restarting of interest accrual by pointing to a recent court ruling in the ongoing SAVE plan litigation. But critics point out that nothing in that court decision explicitly required the department to resume interest. Regardless, many borrowers who have been stuck in the SAVE plan forbearance now feel pressure to apply to switch to a different repayment plan, given that interest is accruing again as of August 1 and the forbearance period still doesn't count toward student loan forgiveness for income-driven repayment plans or Public Service Loan Forgiveness, or PSLF. Backlogs And Denials For Student Loan Borrowers Applying To Switch Plans But student loan borrowers applying to switch to a different repayment plan are encountering a different problem: a massive backlog of applications. According to a court filing submitted by the Department of Education last month, more than 1.5 million applications remain in the queue, and many borrowers have been waiting months for a decision. To make matters worse, the department indicated that it would be denying nearly a third of these outstanding applications (close to 500,000) as soon as this month. Specifically, borrowers who used an earlier version of the IDR application and selected either SAVE (which remains blocked) or the option to allow their loan servicer to pick the most affordable repayment plan option will be rejected. These borrowers will then have to reapply for an income-driven plan using an updated version of the application, essentially adding themselves back to the queue. If there's any good news here, it's that borrowers who apply (or reapply) for an income-driven repayment plan online at and consent to using the newly restored IRS data retrieval tool to import their income data directly from their federal tax return, should experience relatively fast processing, potentially within a few weeks or so. 'Providing consent eliminates much of the time-consuming work of filling out an application,' says Department of Education guidance. 'By electronically importing your financial information, you ensure your application has the most up-to-date data. Plus, having your consent on file means your IDR plan will be automatically recertified each year, if eligible.' Student Loan Forgiveness Under IBR Remains Paused Historically, borrowers who repay their student loans under an income-driven repayment plan would be able to qualify for student loan forgiveness for any remaining balance after 20 or 25 years in repayment, depending on the plan. But loan forgiveness under the SAVE, ICR, and PAYE plans has been blocked for much of this year following a court order in the ongoing SAVE plan litigation saga. All three of these plans were created through the same underlying federal statute, and the authority to provide student loan forgiveness under that statute is now being scrutinized. But student loan forgiveness through IBR, which was created separately by Congress, is not blocked by any court. And the Department of Education concedes that student loan forgiveness under this plan is legally authorized. Nevertheless, student loan forgiveness under IBR remains blocked following a department announcement in July. The department indicated that loan forgiveness is temporarily suspended under IBR 'while our systems are updated to accurately count months' that can qualify toward a borrower's IBR repayment term. But the department has provided no further details, including whether there will be an attempt to claw back previously-awarded loan forgiveness credit, or when student loan forgiveness under IBR will resume. Student Loan Forgiveness Problems Mount For PSLF IBR isn't the only program experiencing problems with student loan forgiveness. PSLF borrowers also face headwinds. Many borrowers who have applied for PSLF Buyback, a program that allows for a lump-sum payment to cover periods of otherwise non-qualifying forbearance periods so that they can count toward student loan forgiveness, have been stuck in a massive and growing backlog. According to Department of Education data, Federal Student Aid staff have been successfully processing two to three thousand PSLF Buyback applications per month, but the application backlog has nevertheless skyrocketed from around 49,000 in April to more than 65,000 in June. Many borrowers have been waiting months for determinations. Meanwhile, the Trump administration is moving forward with steps to impose new rules on the PSLF program that would restrict student loan forgiveness for entire organizations if they engage in what the administration refers to as 'substantial illegal activity.' Critics have argued that this loosely-defined term could be used to weaponize PSLF by punishing nonprofit organizations and Democratic state and local governments simply for engaging in activities that run afoul of Trump administration policy goals. The regulations are still under development and shouldn't be implemented until next summer; many observers expect there to be legal challenges. Big Changes Coming To Student Loan Repayment Under Big, Beautiful Bill As if these issues aren't enough, President Trump signed legislation passed by Congress in July that will make substantial changes to the federal student loan repayment system. These reforms may put additional strain on an already-buckling Department of Education, which was hit by mass layoffs earlier this spring that effectively cut the department's workforce in half and likely has contributed to the existing backlogs. Under the student loan provisions of the so-called 'Big, Beautiful Bill,' IBR would be preserved for current borrowers. But the ICR, PAYE, and SAVE plans will all get phased out by July 2028, if not sooner. And any borrower who consolidate their federal student loans, or takes out a new federal loan, on or after July 1, 2026 would be cut off from IBR and would only be able to access the Repayment Assistance Plan, a new income-driven option that will force borrowers to remain in repayment for 30 years before they can qualify for student loan forgiveness. A major student loan advocacy organization has warned that RAP could be a debt trap for many borrowers.
Yahoo
08-08-2025
- Business
- Yahoo
Trump's 'big beautiful bill' includes changes to student loan repayment plans — when and how they will affect borrowers
Few things take the shine off a hard-earned degree like a mountain of student debt. And millions of Americans are feeling the weight: The Education Data Initiative says more than 42 million borrowers owe a staggering $1.77 trillion dollars in student loan debt, with the average individual balance topping $38,000. Many of those borrowers may soon see their monthly payments go up, thanks to a section of President Trump's 'One Big, Beautiful Bill' that includes changes to current student loan repayment plans. Here's what you need to know about the President's new repayment process. Don't miss Thanks to Jeff Bezos, you can now become a landlord for as little as $100 — and no, you don't have to deal with tenants or fix freezers. Here's how I'm 49 years old and have nothing saved for retirement — what should I do? Don't panic. Here are 6 of the easiest ways you can catch up (and fast) Robert Kiyosaki warns of a 'Greater Depression' coming to the US — with millions of Americans going poor. But he says these 2 'easy-money' assets will bring in 'great wealth'. How to get in now What are my new options? After July 1, 2026, new borrowers will have two choices: A standard fixed repayment plan or the Repayment Assistance Plan (RAP). RAP is an income-based student loan repayment plan that the Trump administration says will simplify the loan repayment process, as it will replace all preexisting income-based plans for new borrowers, such as SAVE, PAYE, REPAYE and ICR. Shop Top Mortgage Rates Personalized rates in minutes A quicker path to financial freedom Your Path to Homeownership RAP, however, is a little less forgiving than the current income-based repayment plan. Your monthly payments will now be estimated based on your adjusted gross income (AGI), which is your total earnings before taxes after certain deductions. Additionally, RAP will no longer cap your payments at a portion of your discretionary income, and monthly payments can range from 1% to 10% of your AGI. Plus, if you were expecting loan forgiveness after 20 or 25 years with the usual IBR plan or after 10 years with Public Service Loan Forgiveness, you need to know that RAP will have a 30-year timeline. And you may not be able to use RAP to fund your entire education, either. In the administration's efforts to combat the rising costs of college, Trump has lowered lifetime borrowing limits, hoping that if students can't take on the whole cost with loans, schools will lower tuition prices. Under RAP, Parent PLUS loans have a limit of $65,000 per child, and graduate students have a lowered limit of $100,000. Note that while all new borrowers are required to enroll in either RAP or the standard fixed plan after July 1, 2026, current borrowers can remain on the present income-based repayment plan. Stay in the know. Join 200,000+ readers and get the best of Moneywise sent straight to your inbox every week for free. Which plan is best for me? If you are a new borrower and aren't planning to borrow until after July 1, 2026, you'll have to choose between RAP or the standard fixed plan. How will you decide which one to go with? Consider what you can afford month-to-month. RAP offers lower payments initially, but it will start to climb when your income does. With the standard plan, you can expect the same fixed amount every month until the loan is paid off. While payments with RAP may be lower, your total loan balance can take much longer to be paid off or forgiven versus the standard plan, which has a fixed rate up to 10 years. That could also mean a little less interest overall, assuming you're making timely payments. If you are already enrolled in an income-based payment plan, start preparing for incoming deadlines. Current income-driven plans such as SAVE, REPAYE, PAYE and ICR will all be phased out by July 2028, so consider switching to IBR before then if you don't want to be on RAP or the standard plan. How can I prepare? Tackling student loans is a daunting task, and the idea of mounting debt makes the idea of a college education stressful for students and their parents. Mentally preparing and budgeting for student loan debt may help you prepare to take on payments after you graduate. Make sure to track what you need to borrow each semester, and keep an eye on your loans using the National Student Loan Data System, a national database about loan and grant information. While the job market can be volatile and unexpected, try to borrow no more than what you expect your first year's salary to be after you graduate. While you are in school, consider making a 'practice budget' based on your estimated monthly payments, which you can figure out using a loan simulator. And even better, start making small payments right after you take out the loan instead of waiting for graduation: Small payments early on can save a lot in interest later on. What to read next Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan 'works every single time' to kill debt, get rich in America — and that 'anyone' can do it Here are 5 simple ways to grow rich with real estate if you don't want to play landlord. And you can even start with as little as $10 Rich, young Americans are ditching the stormy stock market — here are the alternative assets they're banking on instead Here are 5 'must have' items that Americans (almost) always overpay for — and very quickly regret. How many are hurting you? This article provides information only and should not be construed as advice. It is provided without warranty of any kind. Error in retrieving data Sign in to access your portfolio Error in retrieving data Error in retrieving data Error in retrieving data Error in retrieving data
Yahoo
06-07-2025
- Business
- Yahoo
The Trump administration has begun garnishing wages of student loan borrowers in default. These are the benefits businesses can offer employees to help with their debt
A few years ago, it seemed like the dream of widespread student debt forgiveness was alive and well. And although the hopes of millions of borrowers across the country have since been dashed, there are moves that employers can make to help workers toiling under the burden of defaulted loans and garnished wages. Student loan borrowers were able to take advantage of a repayments pause when the COVID pandemic began in 2020, but that expired in September of 2023. That same year, the Supreme Court struck down then-President Biden's decision to cancel up to $20,000 in debt for qualified borrowers. And in May of 2025, a five-year reprieve for student loan borrowers who were in default on their loans expired. That means that collections are now in play, and the Department of Education can garnish wages, tax refunds, and federal benefits. 'Resuming collections protects taxpayers from shouldering the cost of federal student loans that borrowers willingly undertook to finance their postsecondary education,' the Department of Education (DOE) wrote in a statement late April. 'There will not be any mass loan forgiveness.' This isn't just a problem for an unlucky few. Around 20.5% of student loan borrowers have a payment that's past due by 90 days or more, according to a TransUnion analysis. And around 5.3 million defaulted borrowers will get a notice from the Treasury Department that their wages could potentially be garnished, according to a May statement from the DOE. Workers of all ages have already been struggling for years with student loan repayment. But the latest move from the Trump administration has made the issue even more urgent. There are several different ways that employers can help their workers with student loan repayments, including through retirement benefits, educational assistant programs, and paid time off exchanges. Fortune sat down with benefits experts, who say that while offering these benefits do come with challenges, they can go a long way toward improving employee financial wellbeing. 'Business leaders can't ignore this financial pressure anymore,' says Jeremy Yonan, VP of total rewards at job site Indeed. 'Student loan debt isn't just a personal challenge, it's actually a business imperative because the ripple effect comes up in every corner of the workplace.' Many workers burdened by student loans face a tough financial tradeoff: either reduce their debt or invest in their future. That means they often miss out on contributing to their retirement plans, and their employer's valuable contributions. The Secure 2.0 Act of 2022 aimed to fix that problem. Companies can take the funds they'd use to match employee retirement contributions and instead use them to help them pay off student loans. 'When companies offer a contribution into retirement savings in connection with their student loan payments, they are helping to protect the financial future of those employees who are largely sidelined and sitting out of their primary benefit that they offer, which is the retirement match,' says Laurel Taylor, CEO of Candidly, a financial wellness company. Financially, this process is easy for employers because the money is essentially repurposed so it doesn't cost businesses extra to provide the benefit. But few employers are currently taking advantage of it because of the administrative burden. Only 11% of Candidly customers have launched the student loan retirement match in connection with secure 2.0. Benefit, according to Taylor. Goldman Sachs Ayco, an arm of the bank that specializes in workplace financial planning, says that while 31% of their corporate clients offer student loan assistance, only 10% do so through retirement. As the student loan crisis becomes more dire, however, we might see more businesses offer the benefit to their workforce. 'When employees start to see their wages garnished, it might lead some companies to accelerate adoption on the 401(K) side if participation is high enough,' says Kris Battistoni, VP of compensation and benefits solutions at Goldman Sachs Ayco. Companies that offer employees a certain number of days of paid-time off may want to consider a program that allows workers to exchange their unused time and dedicate those funds towards paying off student loan debt. The benefit is that it costs the employer itself very little, as they have already budgeted that time into their balance sheet. The drawback is that it can come with administrative burdens, because HR managers have to comply with a variety of state laws around what employees can and can't do with their PTO. There are, however, a variety of B2B businesses out there tailored to handle services like these. Businesses should also be aware that critics of these PTO exchanges argue that they incentivize employees to disregard work-life balance, which could lead to additional stress and burnout. The program also won't work for companies with flexible or unlimited PTO. 'The PTO model is interesting, because the biggest criticism that we've seen and heard and had had conversations with employers about is it sort of diminishes quality of life,' Stacey MacPhetres, senior director of education finance for EdAssist by Bright Horizons, which helps employers manage education benefits, tells Fortune. One of the easiest and most impactful ways to provide help to people with student loans is offering them financial counseling services. Student loan borrowers often have more than one loan in play at a time, with different interest rates and timelines. That can make it hard to figure out exactly how much of one's paycheck should be allocated toward paying off the debt, and which loans should be prioritized, says MacPhetres. 'It's incredibly beneficial to offer, not just the monetary contribution, but expert coaching behind the scenes to make sure that those funds are being applied in the most expedient way, based on what the employee wants to accomplish,' she says. Student loan education is just as important as the ability to pay off the debt, experts say, especially if planners can help employees refinance their loans to get a better interest rate. That kind of personalized assistance can not only help with student loans, but also ease worker anxiety around their finances. 'From recent grads and mid-career professionals to parents helping get through college, having that personalized care for different life stages can provide real short term relief,' says Yonan. 'It's not just about the case investment, it's also about education.' Employers have long been able to help workers fund their education through educational assistance programs. Businesses are allowed to contribute $5,250 per employee per year towards tuition, books, or supplies, or courses. But in 2020, the program was expanded to include the ability for companies to put this money towards paying off student loan debt, according to the IRS. Many employers have questions about how they can make sure the money is being used as intended. That's because employees mostly self-certify that they've spent the money on loans, and businesses need to find an efficient way to verify that without invading privacy in the process, says Jonathan Barber, VP head of compensation and benefits solutions, at Goldman Sachs Ayco. 'I think companies thus far are uncomfortable with it because they want to verify that they're actually doing something to pay off the debt and not just giving employees funds.' Under current law, the program is set to expire at the end of 2025, according to the IRS. But experts that Fortune spoke with are confident that the program will be made permanent through legislation later this year. This story was originally featured on
Yahoo
30-06-2025
- Business
- Yahoo
AB Science provides an update on the renegotiation of loan repayment terms with its financial creditors
PRESS RELEASE AB SCIENCE PROVIDES AN UPDATE ON THE RENEGOTIATION OF LOAN REPAYMENT TERMS WITH ITS FINANCIAL CREDITORS AGREEMENT IN PRINCIPLE HAS BEEN REACHED ON A TWO-YEAR DEFERRAL OF REPAYMENT OF STATE-GUARANTEED LOANS SAVINGS OVER THE PERIOD WILL BE INVESTED IN R&D THIS AGREEMENT IS CONDITIONAL ON THE REPAYMENT DATE OF THE EIB COVID LOAN BEING POSTPONED, NEGOTIATIONS ON WHICH ARE CURRENTLY UNDERWAY. Paris, June 30, 2025, 8am CET AB Science SA (Euronext - FR0010557264 - AB) today announced that an agreement in principle has been reached with its financial creditors to postpone by 24 months the repayment of its bank debt (for a total amount of around 3.7 million euros at the opening of the conciliation procedure in January 2025). The implementation of this agreement is conditional on the postponement by at least 12 months of the repayment of a loan taken out with the EIB (for a total principal amount of 12 million euros, initially repayable in January and December 2028). Throughout the negotiation period, a standstill was granted by the creditors. The financial creditors unanimously agreed to the following restructuring terms : State-guaranteed loans (PGE) for a balance of 3.5 million euros Freeze on principal repayments from January 1, 2025 to December 31, 2026 Resumption of amortization on January 1th, 2027 Extension of the repayment period for the balance of 3.5 million euros, quarterly between March 31, 2027 and March 31, 2029 Innovation loan for a balance of 0.2 million euros Freeze on principal repayments from January 1, 2025 to September 30, 2025 Resumption of amortization on October 1st, 2025 Repayment of the balance of 0.2 million euros, quarterly between December 31, 2025 and June 30, 2026. The banks' agreement is conditional on the postponement by at least 12 months of the start of amortization of the EIB loan. The loan with the EIB is granted in two tranches of 6 million euros each, with the first tranche maturing on January 1, 2028 and the second on December 31, 2028. The Company is pursuing discussions with the EIB to obtain this postponement. About AB ScienceFounded in 2001, AB Science is a pharmaceutical company specializing in the research, development and commercialization of protein kinase inhibitors (PKIs), a class of targeted proteins whose action are key in signaling pathways within cells. Our programs target only diseases with high unmet medical needs, often lethal with short term survival or rare or refractory to previous line of treatment. AB Science has developed a proprietary portfolio of molecules and the Company's lead compound, masitinib, has already been registered for veterinary medicine and is developed in human medicine in oncology, neurological diseases, inflammatory diseases and viral diseases. The company is headquartered in Paris, France, and listed on Euronext Paris (ticker: AB). Further information is available on AB Science's website: Forward-looking Statements - AB ScienceThis press release contains forward-looking statements. These statements are not historical facts. These statements include projections and estimates as well as the assumptions on which they are based, statements based on projects, objectives, intentions and expectations regarding financial results, events, operations, future services, product development and their potential or future performance. These forward-looking statements can often be identified by the words "expect", "anticipate", "believe", "intend", "estimate" or "plan" as well as other similar terms. While AB Science believes these forward-looking statements are reasonable, investors are cautioned that these forward-looking statements are subject to numerous risks and uncertainties that are difficult to predict and generally beyond the control of AB Science and which may imply that results and actual events significantly differ from those expressed, induced or anticipated in the forward-looking information and statements. These risks and uncertainties include the uncertainties related to product development of the Company which may not be successful or to the marketing authorizations granted by competent authorities or, more generally, any factors that may affect marketing capacity of the products developed by AB Science, as well as those developed or identified in the public documents published by AB Science. AB Science disclaims any obligation or undertaking to update the forward-looking information and statements, subject to the applicable regulations, in particular articles 223-1 et seq. of the AMF General Regulations. For additional information, please contact: AB ScienceFinancial Communication & Media Relations investors@ Attachment Standstill Banques VEng VFError in retrieving data Sign in to access your portfolio Error in retrieving data
Associated Press
30-06-2025
- Business
- Associated Press
AB Science provides an update on the renegotiation of loan repayment terms with its financial creditors
PRESS RELEASE AB SCIENCE PROVIDES AN UPDATE ON THE RENEGOTIATION OF LOAN REPAYMENT TERMS WITH ITS FINANCIAL CREDITORS AGREEMENT IN PRINCIPLE HAS BEEN REACHED ON A TWO-YEAR DEFERRAL OF REPAYMENT OF STATE-GUARANTEED LOANS SAVINGS OVER THE PERIOD WILL BE INVESTED IN R&D THIS AGREEMENT IS CONDITIONAL ON THE REPAYMENT DATE OF THE EIB COVID LOAN BEING POSTPONED, NEGOTIATIONS ON WHICH ARE CURRENTLY UNDERWAY. Paris, June 30, 2025, 8am CET AB Science SA (Euronext - FR0010557264 - AB) today announced that an agreement in principle has been reached with its financial creditors to postpone by 24 months the repayment of its bank debt (for a total amount of around 3.7 million euros at the opening of the conciliation procedure in January 2025). The implementation of this agreement is conditional on the postponement by at least 12 months of the repayment of a loan taken out with the EIB (for a total principal amount of 12 million euros, initially repayable in January and December 2028). Throughout the negotiation period, a standstill was granted by the creditors. The financial creditors unanimously agreed to the following restructuring terms : State-guaranteed loans (PGE) for a balance of 3.5 million euros Freeze on principal repayments from January 1, 2025 to December 31, 2026 Resumption of amortization on January 1th, 2027 Extension of the repayment period for the balance of 3.5 million euros, quarterly between March 31, 2027 and March 31, 2029 Innovation loan for a balance of 0.2 million euros Freeze on principal repayments from January 1, 2025 to September 30, 2025 Resumption of amortization on October 1st, 2025 Repayment of the balance of 0.2 million euros, quarterly between December 31, 2025 and June 30, 2026. The banks' agreement is conditional on the postponement by at least 12 months of the start of amortization of the EIB loan. The loan with the EIB is granted in two tranches of 6 million euros each, with the first tranche maturing on January 1, 2028 and the second on December 31, 2028. The Company is pursuing discussions with the EIB to obtain this postponement. About AB Science Founded in 2001, AB Science is a pharmaceutical company specializing in the research, development and commercialization of protein kinase inhibitors (PKIs), a class of targeted proteins whose action are key in signaling pathways within cells. Our programs target only diseases with high unmet medical needs, often lethal with short term survival or rare or refractory to previous line of treatment. AB Science has developed a proprietary portfolio of molecules and the Company's lead compound, masitinib, has already been registered for veterinary medicine and is developed in human medicine in oncology, neurological diseases, inflammatory diseases and viral diseases. The company is headquartered in Paris, France, and listed on Euronext Paris (ticker: AB). Further information is available on AB Science's website: . Forward-looking Statements - AB Science This press release contains forward-looking statements. These statements are not historical facts. These statements include projections and estimates as well as the assumptions on which they are based, statements based on projects, objectives, intentions and expectations regarding financial results, events, operations, future services, product development and their potential or future performance. These forward-looking statements can often be identified by the words 'expect', 'anticipate', 'believe', 'intend', 'estimate' or 'plan' as well as other similar terms. While AB Science believes these forward-looking statements are reasonable, investors are cautioned that these forward-looking statements are subject to numerous risks and uncertainties that are difficult to predict and generally beyond the control of AB Science and which may imply that results and actual events significantly differ from those expressed, induced or anticipated in the forward-looking information and statements. These risks and uncertainties include the uncertainties related to product development of the Company which may not be successful or to the marketing authorizations granted by competent authorities or, more generally, any factors that may affect marketing capacity of the products developed by AB Science, as well as those developed or identified in the public documents published by AB Science. AB Science disclaims any obligation or undertaking to update the forward-looking information and statements, subject to the applicable regulations, in particular articles 223-1 et seq. of the AMF General Regulations. For additional information, please contact: AB Science Financial Communication & Media Relations [email protected] Attachment Standstill Banques VEng VF
