Credit Lending

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Financial institution profits, credit risk and loan pr...

By: Tom Hannagan Part 6 Peer Group 2 fee income Non-interest income again, as a percent of average total assets, declined to .86 percent...

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Defining risk management...

By: Prince Varma Hello. My name is Prince Varma and I’ve spent the better part of the last 16 years helping financial institutions (FI)...

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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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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...

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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...

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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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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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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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Back to the basics … what is risk?...

By: Tom Hannagan In my past postings, we’ve discussed financial risk management, the role of risk-based capital, measuring profitability based on risk characteristics and...

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Risk adjusted loan pricing – the upside Part 3...

By: Tom Hannagan Part 3 This post continues my discussion of the reasons for going through the time and trouble to analyze risk-based pricing...

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Risk management lessons learned from 2008...

This post is a feature from my colleague and guest blogger, Stephanie Butler, manager of Process Architects in Advisory Services at Baker Hill, a...

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Best practices for trying times...

Part 2 My colleague, Prince Varma, Senior Client Partner — Portfolio Growth and Client Management, shares his advice on the best practices for portfolio risk...

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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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