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The Motley Fool
October 9, 2006
Dan Caplinger |
Know Your Numbers: Consumer Credit Use economic data to gain the upper hand in your investing. The Federal Reserve's consumer credit report provides some useful information about the borrowing practices of typical consumers.   |
The Motley Fool
August 10, 2006
Dan Caplinger |
How the Fed Affects You Federal Reserve decisions about interest rates trickle down to everyone. |
Investment Advisor
October 2007
Jason Brady |
Bottleneck While driven by fundamental weakness in U.S. real estate, in particular subprime loans, the current liquidity crisis has become a general lack of confidence in banking and financial institutions globally. |
Registered Rep.
March 1, 2008
Kristen French |
The Lending Squeeze The tightening credit conditions is causing some financial advisors to have trouble getting loans for clients. |
Bank Systems & Technology
June 24, 2008
Ann Grochala |
In the Aftermath of the Credit Crisis, Some Banks See a Silver Lining The current problems in the credit markets bring both challenges and opportunities to banks. Many community banks still have plenty of liquidity and capital, and they all have ready access to the Federal Home Loan Bank system. |
OCC Bulletin
March 26, 2001 |
Loans Held for Sale This issuance covers the accounting and reporting treatment for certain loans that are sold directly from the loan portfolio or transferred to a held-for-sale account... |
National Real Estate Investor
February 1, 2007
Ben Johnson |
Small Banks, Big Risks In the new era of commercial real estate lending, federal regulators are pressuring even the smallest banks to upgrade their portfolio analysis capabilities to avoid the pitfalls of past downturns. |
Financial Planning
March 1, 2007
David A. Twibell |
Community Investing Special loan funds for underserved communities are popping up like condos. Now you can help clients jump into the lending pool. |
The Motley Fool
August 31, 2005
Stephen D. Simpson |
A Closer Look at Bank Stocks These investors must deal with unusual terms and funny-looking financial statements, but the rewards can be well worth it. |
BusinessWeek
September 17, 2007
Dawn Kopecki |
The SEC Wants More Answers The Securities & Exchange Commission is expanding its probe into the mortgage mess. |
FDIC FYI
November 26, 2002 |
Quarterly Banking Profile Commercial Banking Performance, Third Quarter 2002 Gains on securities sales keep earnings near record level... Weakness in overseas operations limits industry profits... Margins improve at community banks, decline at larger institutions... Strong mortgage demand fuels growth in loans... Asset-quality problems continue to grow at large banks |
FDIC FYI
March 13, 2002 |
Banks and Thrifts Post Record Earnings, Insurance Funds Slide Full-year 2001 financial data for all FDIC-insured institutions, released today in the Quarterly Banking Profile, depict record bank and thrift earnings even as the reserve ratios of the FDIC insurance funds continue to slide... |
Bank Technology News
September 2001
Joseph McKendrick |
Compliance Gets Complex A changing world brings banks new regulatory challenges... |
The Motley Fool
September 22, 2006
Stephen D. Simpson |
A Closer Look at Bank Stocks Learn the secrets of investing in this often-intimidating sector. |
U.S. Banker
July 2010 |
Why We Don't Need Any More Bank Charters Unless bank organizers can make a compelling case that consumers and business owners aren't being served by existing banks, regulators should continue to clamp down on new charters. |
Finance & Development
March 1, 2001
Neil Gregory & Stoyan Tenev |
The Financing of Private Enterprise in China A 1999 survey of more than 600 private Chinese enterprises revealed that they relied primarily on self-financing. For China's private sector to thrive, firms will need increased access to external loan and equity financing... |
FDIC FYI
August 29, 2002 |
Strong Bank Earnings Reflect Nature of U.S. Downturn Second quarter 2002 earnings results for commercial banks show that the benefits of a steep yield curve continue to outweigh the costs of higher credit losses. |
OCC Bulletin
February 16, 2000 |
Consumer Credit Reporting Practices An advisory letter to the Chief Executive Officers of financial institutions about consumer credit reporting practices alerts institutions that certain large credit card issuers are no longer reporting customer credit lines and/or high credit balances to the credit bureaus... |
Inc.
September 2003
Amy Gunderson |
Banks May Sell Off Your Loans A secondary market for small-business loans could benefit entrepreneurs. |
Registered Rep.
July 24, 2008 |
SEC Versus Fed: Who Should Regulate Investment Banks? In the wake of the sub-prime crisis and near-collapse of Bear Stearns in mid-March, regulatory reform for investment banks has become a popular topic in Washington and on Wall Street. |
Finance & Development
June 2009 |
The Perfect Storm The IMF's Chief Economist explained in a November 2008 lecture how a crisis that began in mortgage-backed securities turned into the worst recession since the 1930s. |
Bank Technology News
January 2008
Glen Fest |
Risk Without Reward The subprime mess has exposed how fragile banks are today to market pressures, and how much can fall on the shoulders of risk officers. Finding a path forward from the ashes will require stronger leadership overseeing risk. |
U.S. Banker
February 2008
Glen Fest |
Risk Without Reward Finding a path forward from the ashes of the subprime mess will require stronger leadership overseeing risk, a culture more respectful of interdependent risks and new technologies measuring them across the enterprise. |
FDIC FYI
March 25, 2004 |
The Evolving Role of Commercial Banks in U.S. Credit Markets A careful analysis of U.S. financial sector data shows that banks' share of the financial services market has not shrunk to the extent that is commonly asserted. Moreover, banks have assumed leading roles in providing some of the newer types of financial services products, such as credit card securitizations and mortgage banking services. |
Finance & Development
June 1, 2000
Hans Dieter Seibel |
Agricultural Development Banks Close Them or Reform Them? Agricultural development banks were established to extend credit and other financial services to customers not considered creditworthy by commercial banks. Should these banks be closed or are they worth revamping? |
U.S. Banker
February 2004
Karen Krebsbach |
In Land of Rising Sun, Rays of Hope for Struggling Bank Sector Though Japan's banks have been ailing for more than a decade, the sector's pulse is strengthening. Signs of change are everywhere, as the four megabanks reported second-half 2003 profits for the first time in 20 years. Can the recovery last? |
Bank Technology News
January 2010
John Adams |
Spending on Treasury, Data and Risk: The Sun Will Shine Brightly Big banks are chasing treasury management treasure around the world, and that means lots of dollars for IT to come up with new projects and platforms to make it easier for payers and billers to access automated corporate payments. |
FDIC FYI
February 27, 2002 |
Loan Weakness Spreads; Banks' Defenses Hold Large banks' business loans have been hit hardest by the recession, but some weakening is now appearing for smaller banks and for other kinds of loans... |
FDIC FYI
November 4, 2003
Puwalski & Williams |
Economic Conditions and Emerging Risks in Banking The two main economic concerns of the past two years, a lack of new jobs and lackluster business investment, finally appear poised to subside. |
FDIC FYI
April 25, 2002 |
Refinancing Waves Alter the Landscape for Mortgage Specialists The current interest rate environment affords institutions the opportunity to correct material asset/liability mismatches before the rate cycle turns and risk reduction strategies become less effective or more expensive to execute... |
Finance & Development
March 1, 2002
Roumeen Islam |
Institutions to Support Markets To spur growth and reduce poverty, poor countries will need efficient formal and informal institutions that support market activity. A major World Bank study offers insights into how such institutions may be developed... |
Inc.
January 1, 2003
Martin Mayer |
A Borrower Be Tough economies and easy credit usually don't mix. So why are banks falling all over themselves to lend small businesses money? |
Bank Systems & Technology
September 28, 2007
Katherine Burger |
Sub-Prime Mortgage Crisis Is Not A Failure Of Technology The sub-prime mortgage crises was not about a failure of technology. |
The Motley Fool
August 27, 2007
John Rosevear |
The Joys of Credit Unions While credit unions aren't the best fit for everyone, they do offer distinct advantages -- tangible and not-so-tangible -- over big regional or national banks. |
FDIC FYI
June 3, 2002 |
Favorable Interest-Rate Environment Drives Record First-Quarter Bank Earnings Commercial banks earned a record $21.7 billion in the first quarter of 2002, besting the previous quarterly earnings record set in the first quarter of 2001 by 9.6 percent. |
OCC Bulletin
May 22, 2002 |
Unsafe and Unsound Investment Portfolio Practices Description: Supplemental Guidance This bulletin alerts banks to the potential risk to future earnings and capital from poor investment decisions made at the current low level of interest rates... |
HBS Working Knowledge
September 29, 2008
Martha Lagace |
Financial Crisis Caution Urged by Faculty Panel Dean Jay O. Light and a group of Harvard Business School faculty explored the origins and possible outcomes of the U.S. financial crisis at a recent "Turmoil on the Street" panel. |
BusinessWeek
May 24, 2004
Palmeri & Hovanesian |
Before You Sell Your Bank Stocks... Many financial institutions are now insulated against higher interest rates |
Commercial Investment Real Estate
Mar/Apr 2003
Chere LaRose-Senne |
Congress Revisits the Issue of Banks Selling and Managing Real Estate Commercial real estate professionals should stay informed on the progress of the Community Choice in Real Estate Act. |
Bank Systems & Technology
March 27, 2008
David Conroy |
Corporate Clients Increasingly Looking to Banks to Mitigate Trade Finance Risks How can banks pursue growth opportunities in global trade finance in, for example, emerging markets? What technology investments must banks make to meet these new demands? |
Bank Systems & Technology
January 29, 2005
Travers & Tyrie |
Monitoring Credit Rising consumer debt levels in many countries have led to concerns about deteriorating credit quality. To mitigate their exposure, leading banks are employing sophisticated analytical techniques to improve underwriting, while also managing risk better through the use of credit derivatives. |
CFO
March 1, 2007
Rob Garver |
Nothing to Bank On Bank executives will undoubtedly spend much of the next year assessing the likelihood and impact of new rules, while at the same time trying to keep earnings growth on its upward trend. |
Entrepreneur
April 2005
Crystal Detamore-Rodman |
Just Your Size Don't make assumptions about a bank's lending methods based on size alone--here's how to find the bank that can help your business cash in. |
BusinessWeek
April 17, 2008 |
The Story of Basel II So Far... A chronological look at the Basel II banking accord since its inception in 2004. |
U.S. Banker
May 2008
Holly Sraeel et al. |
Playing Both Ends Against the Middle There are plenty of mid-tier banks and thrifts posting respectable performances. |
CFO
March 1, 2008
Karen M. Kroll |
Pedaling As Fast As They Can Companies will now need to work harder for credit, as banks' markedly different posture on lending money is affecting businesses of all stripes -- not just those in default. |
BusinessWeek
April 12, 2004
Christopher Palmeri |
Home Buyers: ARMed And Dangerous? Adjustable-rate mortgages are pulling in new buyers -- but the risks are high |
Insurance & Technology
September 12, 2007
Katherine Burger |
Insurers Will Feel Pain From the Sub-Prime Mortgage Crisis Fallout Will a crop of risk management and analytical solutions help insurers cope with the sub-prime mortgage crisis? |
The Motley Fool
October 17, 2005
Stephen D. Simpson |
Main Street Needs Resurfacing This Atlanta bank is taking the right steps, but the valuation is not enough of a bargain. |
The Motley Fool
January 9, 2008
Matt Koppenheffer |
Banking's Future Woes Massive writedowns aren't the only thing banks need to look out for. The margins that they collect on the cash they lend to consumers is rapidly falling. |
