Standard & Poor´s: Long-Term ratings on Iceland's HFF Lowered to 'BB-' On Housing System proposals. Outlook remains stable.

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| Source: Íbúðalánasjóður
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Today, on July 22nd, Standard & Poor´s announced it has lowered it's Long-Term ratings on HFF from BB to BB-. Outlook remains stable.

For further information, please see the attached file.