Credit Lending

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Risk adjusted loan pricing — the upside Part 2...

By: Tom Hannagan Part 2 This post continues my discussion of the reasons for going through the time and trouble to analyze risk-based pricing...

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Watching your small business portfolio...

Part 1 In reality, we are always facing potential issues in our small business portfolio, it is just the nature of that particular beast....

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Risk Adjusted Loan Pricing – The Major Parts...

By: Tom Hannagan I have referred to risk-adjusted commercial loan pricing (or the lack of it) in previous posts. At times, I’ve commented on...

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Bank Profit Results in the Face of Credit Risk Costs t...

By: Tom Hannagan Here’s a further review of results from the Uniform Bank Performance Reports, courtesy of the FDIC, through the third quarter of...

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Bank Lending and Credit Risk Results through September...

By: Tom Hannagan I reviewed the Uniform Bank Performance Reports (UBPR: (http://www2.fdic.gov/ubpr/ReportTypes.asp ) for selected clients through the third quarter of this year. The...

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Strategies for managing an investment portfolio...

In my last blog, I talked about the overall need for a vision for your loan portfolio and the similarity of a loan portfolio...

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ROE vs ROA...

By: Tom Hannagan I was hoping someone would ask about this. Return on Equity (ROE) is generally net income divided by equity, while Return...

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Retrenching of the credit discipline...

The pendulum has definitely swung back in favor of the credit discipline within financial institutions. The free wheeling credit standards of the past have...

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Risk Mitigation versus Balance Sheet Chicanery...

By: Tom Hannagan In previous posts, we’ve dealt with the role of risk-based capital, measuring performance based on risk characteristics and the need for...

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Risk in Moderation...

Just as with diet recommendations, moderation needs to be the new motto for credit risk management.  Diets provide for the occasional bag of chips...

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Is Credit Scoring to Blame?...

Whenever an industry encounters problems, the natural tendency is to play the blame game.  In the banking industry, credit risk managers are looking for...

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Risk-Based Return on TARP...

By: Tom Hannagan In my last post, I addressed the need for banks to advance their management of risk to include the relationship between capital...

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Risk-Based Capital Measurement...

By: Tom Hannagan Much of the blame for the credit disaster of 2007 and 2008 has been laid at the risk management desks of...

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How are you treating your new potential customers?...

We know that financial institutions are tightening their credit standards for lending.  But we don’t necessarily know exactly how financial institutions are addressing portfolio risk...

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