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Bank profits, credit risk and loan pricing for 2008 &#...

By: Tom Hannagan Part 5 This continues the updated review of results from the Uniform Bank Performance Reports (UBPR), courtesy of the FDIC, for...

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Bank profits, credit risk and loan pricing for 2008 &#...

By: Tom Hannagan Part 4 Let’s dig a bit deeper into why Peer Group 1’s margins didn’t improve. We see two possible reasons: Total...

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Next generation collections systems...

Part 3 Reducing operational and overhead costs starts with the automation of tasks that would otherwise be performed by a human resource. By leveraging...

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Does the Identity Theft Red Flags Rule apply to me?...

Here are a few more frequently asked questions. 1.Am I a “creditor” under the rule? The term “creditor” has the same meaning as under...

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Bank profits, credit risk and loan pricing for 2008 &#...

By: Tom Hannagan Part 3 I believe it is quite important to compare your bank or your investment plans in a financial institution to...

Read More Bank profits, credit risk and loan pricing for 2008 – part 3
Upon further review …...

Here we are in March, 2009, four months after the Red Flags Rules deadline OR two months until the Red Flags deadline…depending on your...

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Tell me more about address discrepancies...

Address discrepancies aren't the end of the road, but they sure can be a bump in it. One of the handful of mandatory elements...

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Bank lending, credit risk and profit results for 2008 ...

By: Tom Hannagan Part 2 In my last post, I started my review of the Uniform Bank Performance Reports for the two largest financial...

Read More Bank lending, credit risk and profit results for 2008 – part 2
Bank lending, credit risk and profit results for 2008...

By: Tom Hannagan Part 1 It may be quite useful to compare your financial institution’s portfolio risk management process or your investment plans , to the...

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Detecting Red Flags...

At which stage of the application process does the Red Flags Rule apply? The Red Flag Rule would apply whenever you detect a Red...

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Responding to Red Flags...

What to do when you see a Red Flag. Your Identity Theft Prevention Program should include appropriate responses when you detect a Red Flag....

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The business risk of Troubled Asset Relief Program par...

By: Tom Hannagan Part 1 Beyond the risk management considerations related to a bank’s capital position, which is directly impacted by Troubled Asset Relief...

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Heeding the early warning...

We have been hearing quite a bit about the ponzi scheme that was created and managed by Bernie Madoff.  Almost $50 billion dollars was...

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Identity Theft Red Flags Rule – frequently asked...

How do I know which Red Flags apply to me? The Red Flag guidelinesthat will apply to you depend on a number of factors...

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Market risk vs. credit risk...

The difference between market risk and credit risk By: Tom Hannagan Market risk is different than credit risk. The bank’s assets are mostly invested...

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