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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 and risk in their internal decisions and actions. While it is difficult for me to make this topic very exciting, it can’t be ignored. It...

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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 the largest banks. A silver lining in the historic financial disaster of today may be the new level of interest in management of risk —...

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Red Flags in a Post-November 1 World...

For those of us that have been following the Red Flag Rules adoption for more than a year now, the recent arrival and passing of the November 1 compliance deadline allows us to pause to assess where we are — and where we are heading. One question seems to...

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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 management — how they are going about tightening those standards. As a commercial lender, when the economy was performing well, I found it much easier to...

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