Lecture Materials LOAN PORTFOLIO MANAGEMENT YEAR 1. George E. Ruth Rosemount, Minnesota
|
|
- Osborn Holmes
- 5 years ago
- Views:
Transcription
1 Lecture Materials LOAN PORTFOLIO MANAGEMENT YEAR 1 George E. Ruth Rosemount, Minnesota gruth_1@yahoo.com August 9, 2017
2
3 1 LOAN PRICING Part Two August 9, Current Environment Pricing individual loans by product Examples of current models Role of competition Risk rating Pricing adjustments Value selling based on service and cost 1
4 3 Consumer Loan Pricing Primary components: credit score, loan-to-value, and debt-to-income Matrix based on type and term Challenge: good customer, good commercial or agriculture customer Indirect lending verses direct lending Fair Lending 4 Fixed verses Floating Closed end personal purpose usually fixed Open end home equity floating Adjustable rates and risk How often are fixed rates reviewed? Can not compete with dealers, others with different sources of funding 2
5 5 Home Equity Lines of Credit Monitor Usage Monitor Credit Scores If renewal, origination date, usage, and length of renewal Portfolio stress analysis: rate, term out, decline in collateral 6 Applying a Pricing Model Not efficient to model every consumer loan Model all loans over $xxx Sample other loans Model portfolio by segment Understand RAROC, ROA, and ROE Challenge: seen as commodity 3
6 7 Commercial and Agriculture Usually what the lender can negotiate Pressure currently for long term fixed rates Stress testing floating rates at origination 8 Floating Rate Indexes National prime rate Bank established prime or preferred rate Five year treasury Federal Home Loan Bank rates Do indexes reflect your bank s cost? 4
7 9 Floating rate loans Stress test at origination Need to stress cash flow and interest rate together Need to increase rate sensitivity in rising rate environment Increases credit risk More difficult to sell today 10 Variables Origination fees for real estate Documentation or administration fees Non-use fees for lines of credit Other real estate fees Account relationship- if so, how do you monitor? 5
8 11 Relationship Pricing Loan Deposits Other services- debit cards, credit cards, letters of credit, insurance, trust, etc. 12 Relationship Pricing If banks competitive difference is really service, sell based on how your service is different Be able to explain benefits of your bank and the value Are you a Walmart bank? 6
9 13 Role of Competition If client states, have better offer from another lender? When do you match rates? Need to know if comparing apples and oranges! Understand your banks price verses competitors 14 Risk Rating Habitually past due loans Loans rated watch or below Can raising the interest rate, which decreases cash flow and increases credit risk help a problem borrower? Can you charge enough for a substandard credit? 7
10 15 Pricing Models Use to understand bank profitability Build a possible profit model for a transaction Understand how effective your bank pricing model is to bank profit Identify alternatives for customer if pressure to lower interest rate 16 Model Variables Amount of the loan Amortization and term Origination fees Average account balances ( loan agreement to maintain) Other service fees ( loan agreement to use services) Pricing if accounts moved to another bank 8
11 17 Internal or External Model Must measure RAROC, ROA, and ROE Set a hurdle- if below who can approve? Need to change variables as environment changes do not leave static! 18 Pricing Summary Balance model, art, and science Need loans- profitable loans or profitable relationships Know your competitions pricing 9
Lecture Materials LOAN PORTFOLIO MANAGEMENT YEAR 1. George E. Ruth Rosemount, Minnesota
Lecture Materials LOAN PORTFOLIO MANAGEMENT YEAR 1 George E. Ruth Rosemount, Minnesota gruth_1@yahoo.com 651-328-3833 August 9, 2017 1 LOAN PORTFOLIO MANAGEMENT YEAR 1 Wednesday August 9, 2017 Intersession
More informationLecture Materials LOAN PORTFOLIO MANAGEMENT YEAR 1. George E. Ruth Rosemount, Minnesota
Lecture Materials LOAN PORTFOLIO MANAGEMENT YEAR 1 George E. Ruth Rosemount, Minnesota gruth_1@yahoo.com 651-328-3833 August 8, 2017 1 Loan Portfolio Management Year 1 Session 1 Tuesday August 8th: 8:30
More informationShopping for an Automobile Loan. What Do I Need to Know?
Shopping for an Automobile Loan What Do I Need to Know? Automobiles 2 nd most expensive purchase for most consumers Usually purchased with Loan / credit Or cash if you have enough (uncommon) Ask yourself:
More informationLoan Pricing Fundamentals
Loan Pricing Fundamentals Session 2 Thomas Farin President tfarin@farin.com 2015 FARIN & Associates Inc. 1 Loan Pricing Fundamentals Two Part Series Session 1: Inputs and Investment Benchmark Four potential
More informationManaging Risk in Banking
Managing Risk in Banking FIN 204 Lecture 6.1. Petar Stankov petar.stankov@gmail.com 16 Mar. 2009 P. Stankov (AAC) Lecture 6.1 16 Mar. 2009 1 / 10 Outline 1 Managing Credit Risk 2 Managing Interest Rate
More informationPA Policy Responses to the Great Recession Lecture 6 (9/22/09) Instructor: Menzie Chinn Fall 2009
PA974-001 Policy Responses to the Great Recession Lecture 6 (9/22/09) Instructor: Menzie Chinn Fall 2009 Outline Interpreting balance sheets, and Managing liquidity risk, Asset Management, Capital Adequacy
More informationThis lecture examines how banking is conducted to earn the highest possible profit.
Banking and the Management of Financial Institutions This lecture examines how banking is conducted to earn the highest possible profit. The Bank Balance Sheet A. The basic bank balance sheet B. Assets
More informationLoan Portfolio Analysis. Agribusiness Finance LESE 306 Fall 2009
Loan Portfolio Analysis Agribusiness Finance LESE 306 Fall 2009 What is it? Focus is on the lender s existing loan portfolio. Looking for areas of strengths and weaknesses. Data mining at segment level
More informationA Secured PrimeLine line of credit. Access cash today and stay invested for tomorrow
A Secured PrimeLine line of credit Access cash today and stay invested for tomorrow A flexible financing alternative A Secured PrimeLine line of credit may provide opportunities for you to enhance both
More informationManaging Risk in Banking
Managing Risk in Banking MBMM Lecture 6.1. Petar Stankov petar.stankov@cerge-ei.cz 04 Nov. 2008 P. Stankov (CERGE-EI) Lecture 6.1 04 Nov. 2008 1 / 10 Outline 1 Managing Credit Risk 2 Managing Interest
More informationC&I/Asset Based Lending: Evaluation, Structure, and Management
C&I/Asset Based Lending: Evaluation, Structure, and Management What is C&I Lending? C&I is secured lending based on a formula applied to commercial accounts receivable and inventory to generate immediate
More informationPerpetual Wholesale Funds
Perpetual Wholesale s Supplementary Product Disclosure Statement number 1 dated 14 September 2011 for Product Disclosure Statement issue number 6 dated 1 June 2011 Issued by Perpetual Investment Management
More informationCredit Evaluation. Assessment of borrower capacity to repay the loan. Assessment of borrower s ability to bring in profits from operations.
Credit Evaluation Credit Evaluation Assessment of borrower capacity to repay the loan. Assessment of borrower s ability to bring in profits from operations. Assessment of project viability. Assessment
More informationBanking & Finance (145)
Page 1 of 7 Contestant Number: Time: Rank: Banking & Finance (145) REGIONAL 2016 Multiple Choice: Multiple Choice (30 @ 2 points each) (60 points) Production Portion: Job 1: Complete a budget (30 @ 1 point
More informationLecture Materials LOAN PORTFOLIO MANAGEMENT YEAR 1
Lecture Materials LOAN PORTFOLIO MANAGEMENT YEAR 1 Thomas A. Farin Chairman of the Board FARIN Financial Risk Management Fitchburg, Wisconsin tfarin@farin.com 608-661-4219 August 10, 2016 GSB Credit Track
More informationStructuring Term Loans How to Manage Interest Rate and Credit Risk
Structuring Term Loans How to Manage Interest Rate and Credit Risk April 2016 Which Banks Survive 16,000 Number of Banking Charters 14,000 12,000 10,000 8,000 6,000 4,000 2,000 0 1992 1997 2002 2007 2012
More informationWelcome! Credit Scoring and Sub-Prime Lending
Welcome! Credit Scoring and Sub-Prime Lending What is Credit Scoring? It s the use of a statistical model to objectively evaluate all the credit information available in a single repository What is a repository?
More informationChapter 9. Banking and the Management of Financial Institutions
Chapter 9 Banking and the Management of Financial Institutions Copyright 2007 Pearson Addison-Wesley. All rights reserved. 9-2 Basic Banking Cash Deposit First National Bank First National Bank Assets
More informationChapter 11. Evaluating Consumer Loans
Chapter 11 Evaluating Consumer Loans Recent trends in consumer lending Credit scoring more lenders use statistical models to predict which individuals are good and bad credit risks. Rapid consolidation
More informationIntroduction to Asset/Liability Management
Introduction to Asset/Liability Management WBA BOLT Summer Leadership Summit June 14, 2018 Presented by: Marc Gall, Vice President mgall@bokf.com 1 Agenda Asset/Liability Management and ALCO Meetings Defining
More information14. What Use Can Be Made of the Specific FSIs?
14. What Use Can Be Made of the Specific FSIs? Introduction 14.1 The previous chapter explained the need for FSIs and how they fit into the wider concept of macroprudential analysis. This chapter considers
More informationBank of China (Hong Kong) 15 March 2005
Bank of China (Hong Kong) 15 March 2005 Forward-Looking Statement Disclaimer This presentation and subsequent discussions may contain forward- looking statements that involve risks and uncertainties. These
More informationLoan Pricing Deals & Relationships Session 1. Agenda
Loan Pricing Deals & Relationships Session 1 Thomas Farin President Farin & Associates, Inc tfarin@farin.com 1 Agenda Session 1 Inputs What We Need to Know Role of Benchmarks Four Models to Look at Profitability
More information2017 Experian State of Lending. Who s Winning? Community Banks vs. Credit Unions
2017 Experian State of Lending Who s Winning? Community Banks vs. Credit Unions Community Banks & Credit Unions: By the Numbers Who s Winning the Lending Game? A look at Key Performance Health Metrics:
More informationA Checkup On Your Financial Health. Paul Ellinger Bruce Sherrick
A Checkup On Your Financial Health Paul Ellinger Bruce Sherrick Outline Key performance measures What lenders look at? Tools to monitor your health and assist decision making 2 Questions -- Perceptions
More informationChapter 10. Banking and the Management of Financial Institutions
Chapter 10 Banking and the Management of Financial Institutions The Bank Balance Sheet Liabilities Checkable deposits Nontransaction deposits Borrowings Bank capital 10-2 The Bank Balance Sheet (cont d)
More informationBalance Sheet. (for the fiscal year ended December 31, 2017)
Financial Report for the 18th Business Year 1-1-1, Otemachi, Chiyoda-ku, Tokyo Citigroup Global Markets Japan Inc. Anthony P. Della Pietra, Jr., Representative Director, President and CEO Balance Sheet
More informationAuto Lending Landscape
Grow Your Automotive Lending Portfolio with Effective Risk-Based Pricing Presented by John Flynn Co-Founder, President & CEO Open Lending, LLC Austin, TX 1 Auto Lending Landscape New Competition Rising
More informationCHART 4.1 THE SEVEN BASIC FUNCTIONS FOR EXTENDING CREDIT
CHART 4.1 THE SEVEN BASIC FUNCTIONS FOR EXTENDING CREDIT What are the seven essential functions in the extension of credit that all lenders must perform or cause to have performed? The configuration of
More information银行管理学 作业习题. Chapter 1 Fundamental Forces of Change in Banking
银行管理学 作业习题 Chapter 1 Fundamental Forces of Change in Banking 1. Many experts argue that it was not deregulation that brought about fundamental change in the banking industry rather increases in competition
More informationThe PROFESSIONAL LANDLORD How To
P PROMAS The PROFESSIONAL LANDLORD How To Providing Property Management Solutions for Over 25 Years Loan Setup What follows is one possible way to record a loan and payments of that loan. Whatever method
More informationBanking & Finance (145)
Page 1 of 7 Contestant Number: Time: Rank: Banking & Finance (145) REGIONAL 2016 Multiple Choice: Multiple Choice (30 @ 2 points each) (60 points) Production Portion: Job 1: Complete a budget (30 @ 1 point
More informationFINANCIAL ANALYSIS. A. Financial Analysis
Rooftop Solar Power Generation Project (RRP SRI 50373-002) FINANCIAL ANALYSIS A. Financial Analysis 1. Banking sector background. Sri Lanka s financial system comprises the banking sector (e.g., central
More informationBay Commercial Bank Reports 2016 Fourth Quarter Earnings of $1.9 Million
Press Release Bay Commercial Bank Reports 2016 Fourth Quarter Earnings of $1.9 Million WALNUT CREEK, Calif.--(GLOBE NEWS WIRE) Bay Commercial Bank, Bank, (OTCBB:BCML), announced quarterly earnings of $1.9
More informationACCENTURE LTD RECONCILIATION OF RETURN ON INVESTED CAPITAL (ROIC)
RECONCILIATION OF RETURN ON INVESTED CAPITAL (ROIC) For the November 30, 2008 ROIC represents Return on Invested Capital and is equal to the tax adjusted operating income divided by total average capital,
More informationFINC 2400 PERSONAL FINANCE SPRING 2018 CHAPTER 7. Part 1: ABOUT LOANS AND LOAN TYPES
FINC 2400 PERSONAL FINANCE SPRING 2018 CHAPTER 7 Part 1: ABOUT LOANS AND LOAN TYPES Sven Thommesen 2018 1 THE ESSENCE OF CREDIT The lender provides you with a sum of money today: the loan. You promise
More informationProfit Model Details Explained
Profit Model Details Explained Using the Details link while in the profitability model, you generate a spreadsheet with sections described in the example below. The sample loan used is a $40,000, 4.25%
More informationEARNINGS RELEASE FINANCIAL SUPPLEMENT FIRST QUARTER 2009
EARNINGS RELEASE FINANCIAL SUPPLEMENT FIRST QUARTER 2009 TABLE OF CONTENTS Page Consolidated Results Consolidated Financial Highlights 2 Statements of Income 3 Consolidated Balance Sheets 4 Condensed Average
More informationLending & Collections
December 6 2017 2017 CU*BASE is the premiere ASAP (Ask See Act Profit) toolset that provides everything you need right at your fingertips. Use these dashboards to analyze and mine your data for opportunities,
More informationFive Ways for FinTech Lenders to Achieve ROI on a Loan Pricing System Investment
Five Ways for FinTech Lenders to Achieve ROI on a Loan Pricing System Investment By Jeff Morris of ProBank Austin ProBank Austin published a whitepaper last year describing implementation challenges lenders
More informationNew York Cash Exchange: 2016 Essential Learning for CTP Candidates Session #8: Thursday Afternoon (6/02)
New York Cash Exchange: 2016 Essential Learning for CTP Candidates Session #8: Thursday Afternoon (6/02) ETM4-Chapter 13: Cash Forecasting ETM4-Chapter 15: Operational Risk Management ETM4-Chapter 16:
More informationKnow the customer: How well can we target the actual beneficiaries -- so there is no duplicative, unused or otherwise unnecessary intervention?
CHART 2.1 How do we minimize risk and costs while maximizing impact? Know the customer: How well can we target the actual beneficiaries -- so there is no duplicative, unused or otherwise unnecessary intervention?
More informationE RNIN I GS G S R EL E EA E SE S E F IN I ANCIA I L S U S PP P L P EM E E M N E T FIRST QUARTER
EARNINGS RELEASE FINANCIAL SUPPLEMENT FIRST QUARTER 2011 TABLE OF CONTENTS Page(s) Consolidated Results Consolidated Financial Highlights 2-3 Statements of Income 4 Consolidated Balance Sheets 5 Condensed
More informationBusiness and Industry Guaranteed Loan Program
Business and Industry Guaranteed Loan Program RD Instructions 4279-A and B Fred Kieferle Business and Industry Guaranteed Loan Program Purpose is to improve, develop, or finance business, industry, and
More informationCommunity First Financial Corporation
Independent Auditor s Report and Consolidated Financial Statements Contents Independent Auditor s Report... 1 Consolidated Financial Statements Balance Sheets... 3 Statements of Income... 4 Statements
More informationFarmer Mac Relationship Managers How Community Banks are Using Farmer Mac to Grow Their Ag Portfolios
Farmer Mac Relationship Managers How Community Banks are Using Farmer Mac to Grow Their Ag Portfolios Refresh Webinar - April 2015 1 Guest Panelist Perry Forst, President & CEO Citizens State Bank Norwood
More informationINDUSTRIAL AND COMMERCIAL BANK OF CHINA (CANADA) BASEL III PILLAR 3 DISCLOSURES AS AT DECEMBER 31, 2017
INDUSTRIAL AND COMMERCIAL BANK OF CHINA (CANADA) BASEL III PILLAR 3 DISCLOSURES AS AT DECEMBER 31, 2017 Table of Contents 1. Scope of Application... 2 2. Capital Management... 3 Qualitative disclosures...
More informationYour Guide to. Financing
Your Guide to Short-Term Financing Short-Term Financing Guide 1 Table of Contents Section 1 What Is Short-Term Financing? Page 2 Section 2 What Business Needs Are A Good Fit For Short-Term Financing? Page
More informationAt September 30, 2008 $16.5 billion financial holding company headquartered in Minnesota 34 th largest U.S. based bank by asset size
Corporate Profile At September 30, 2008 $16.5 billion financial holding company headquartered in Minnesota 34 th largest U.S. based bank by asset size 445 bank branches, 112 branches opened since January
More informationEARNINGS RELEASE FINANCIAL SUPPLEMENT THIRD QUARTER 2010
EARNINGS RELEASE FINANCIAL SUPPLEMENT THIRD QUARTER 2010 TABLE OF CONTENTS Page(s) Consolidated Results Consolidated Financial Highlights 2-3 Statements of Income 4 Consolidated Balance Sheets 5 Condensed
More informationCredit Repair Company
6 Business Credit Secrets Every Credit Repair Company Should Know 6 Business Credit Secrets Every Credit Repair Company Should Know About Business Credit is credit that is obtained in a Business Name.
More informationCRE Concentrations: Practical Management Techniques
CRE Concentrations: Practical Management Techniques Tuesday, 6/27/2017 11:00:00 AM - 12:00:00 PM Presented by: Adam Mustafa Co-founder and Managing Partner Invictus Consulting Group 275 Madison Avenue,
More informationACCENTURE LTD RECONCILIATION OF RETURN ON INVESTED CAPITAL (ROIC)
RECONCILIATION OF RETURN ON INVESTED CAPITAL (ROIC) For the ROIC represents Return on Invested Capital and is equal to the tax adjusted operating income divided by total average capital, as outlined below.
More informationChapter 14. The Mortgage Markets. Chapter Preview
Chapter 14 The Mortgage Markets Chapter Preview The average price of a U.S. home is well over $208,000. For most of us, home ownership would be impossible without borrowing most of the cost of a home.
More informationBUSINESS TOOLS. How Lending Decisions Are Made. How the Five Cs of Credit are used
Every lending institution has a set of credit standards or guidelines that are used to analyze and approve loans. At Northwest Farm Credit Services, these guidelines ensure constructive credit to help
More informationLoan Portfolio Analysis. Prepared for. Sample Credit Union
Prepared for Sample Credit Union Key characteristics of the Loan Portfolio Orig FICO Cur FICO Balance Avail CR CLTV Combined Risk Score Loan Life Default Risk Profile Auto 738 726 10,789 62.5% 7.9 2.0
More informationOverview of Goldman Sachs. October 2014
Overview of Goldman Sachs October 2014 Cautionary Note on Forward Looking Statements Today s presentation may include forward-looking statements. These statements are not historical facts, but instead
More informationA loan-level data collection for buy-to-let lending: phase 3. Data Model Report
A loan-level data collection for buy-to-let lending: phase 3 Data Model Report 3 January 207 Table of Contents Introduction... 3 2 Data Model Diagrams... 3 2. Phase 3: Buy-to-Let Borrower Diagram... 3
More informationOWN ESTIMATES OF VOLATILITY ADJUSTMENTS UNDER THE FINANCIAL COMPREHENSIVE METHOD: CRR ARTICLE 225
OWN ESTIMATES OF VOLATILITY ADJUSTMENTS UNDER THE FINANCIAL COMPREHENSIVE METHOD: CRR ARTICLE 225 Guidance on completion of template The following template must be completed, together with the CRR permission
More informationAmended as of January 1, 2018
THE WALLACE FOUNDATION INVESTMENT POLICY Amended as of January 1, 2018 1. INVESTMENT GOAL The investment goal of The Wallace Foundation (the Foundation) is to earn a total return that will provide a steady
More informationMONEY MARKET FUND GLOSSARY
MONEY MARKET FUND GLOSSARY 1-day SEC yield: The calculation is similar to the 7-day Yield, only covering a one day time frame. To calculate the 1-day yield, take the net interest income earned by the fund
More information2018 National Survey of Community Banks
2018 National Survey of Community Banks Thank you for agreeing to participate in a brief survey being conducted by the Survey Research Institute (SRI) at Cornell University on behalf of the state banking
More informationThe Farm Credit System is a nationwide network of lending cooperatives that serve rural America
The Farm Credit System is a nationwide network of lending cooperatives that serve rural America Farm Credit of the Virginias Mission: to provide a reliable source of credit for American Agriculture by
More informationLoan Profitability Report and Applications key words: return on investment, ALCO, RAROC, loan pricing
, Loan Profitability Report and Applications key words: return on investment, ALCO, RAROC, loan pricing THC Asset-Liability Management (ALM) Insight Issue 8 Introduction Loan portfolio profitability is
More informationBalance Sheet. (for the fiscal year ended December 31, 2016)
Financial Report for the 17th Business Year 5-1, Marunouchi 1-Chome, Chiyoda-ku, Tokyo Citigroup Global Markets Japan Inc. Luke Randell, Representative Director, President and CEO Balance Sheet (for the
More informationBBI2353 Commercial Bank Management Prepared by Dr Khairul Anuar
BBI2353 Commercial Bank Management Prepared by Dr Khairul Anuar L8: Lending to Business Firms and Pricing Business Loans www.lecturenotes638.wordpress.com 17-2 Key Topics Types of Business Loans: Short
More informationIncreasing Your Export Sales While Minimizing Your Risks
EXPORT-IMPORT BANK of the UNITED STATES Jobs Through Exports Increasing Your Export Sales While Minimizing Your Risks Discover how to Enter New Markets with Confidence and Increase Sales in Existing Ones!
More informationHOME EQUITY EARLY DISCLOSURE
REAL ESTATE LENDING POWERED BY CUNA MUTUAL GROUP HOME EQUITY EARLY DISCLOSURE IMPORTANT TERMS OF OUR HOME EQUITY LINE OF CREDIT PLAN This disclosure contains important information about our Home Equity
More informationSurvey of Credit Underwriting Practices 2010
Survey of Credit Underwriting Practices 2010 Office of the Comptroller of the Currency August 2010 Contents Introduction...1 Part I: Overall Results...2 Primary Findings... 2 Commentary on Credit Risk...
More informationEnhancing the Business Value of Loan Pricing Systems
Enhancing the Business Value of Loan Pricing Systems Overcoming the Roadblocks Special Edition - For FinTech, Marketplace Lenders and Other Innovative Lending Platforms Andy Morgan and Jeff Morris ProBank
More informationCredit Risk Management and the ALCO Process
Credit Risk Management and the ALCO Process David Koch Chief Operating Officer dkoch@farin.com 800-236-3724 x4217 1 Definition: Asset/Liability Management asset/liability management is the processes of
More informationCredit Risk Management and the ALCO Process. Asset/Liability Management
Credit Risk Management and the ALCO Process David Koch Chief Operating Officer dkoch@farin.com 800-236-3724 x4217 1 Asset/Liability Management Definition: asset/liability management is the processes of
More informationSCOTIA CAPITAL (USA) INC. (A Wholly Owned Subsidiary of Scotia Holdings (US) Inc.) Statement of Financial Condition.
Statement of Financial Condition Statement of Financial Condition Assets Cash and cash equivalents $ 43,575,517 Cash on deposit with clearing organizations 205,165,211 Securities segregated under federal
More informationInternet Appendix to Credit Default Swaps, Exacting Creditors and Corporate Liquidity Management
Internet Appendix to Credit Default Swaps, Exacting Creditors and Corporate Liquidity Management (not to be included for publication) Table A1 Probability of Credit Default Swaps Trading This table presents
More information2008 Results Madrid, 28th January 2009
2008 Results Madrid, 28th January 2009 Contents Group results for 2008 Results by business area Spain & Portugal Wholesale Banking & Asset Management Mexico USA South America Conclusions 2 In a highly
More informationStudent Loans And Credit: An Overview Tanya Tanaro, Manager Higher Education Partnerships, ASA
Student Loans And Credit: An Overview 12.14.15 Tanya Tanaro, Manager Higher Education Partnerships, ASA Agenda 2 Borrowing realities Credit reports and scores Student loan and credit card impact Conversation
More informationNon-operating (income) expense (53) This represents the sum of the following line items on the Consolidated Income Statements: (Loss)/Gain on
RECONCILIATION OF RETURN ON INVESTED CAPITAL (ROIC) For the ROIC represents Return on Invested Capital and is equal to the tax adjusted operating income divided by total average capital, as outlined below.
More informationStaff Paper December 1991 USE OF CREDIT EVALUATION PROCEDURES AT AGRICULTURAL. Glenn D. Pederson. RM R Chellappan
Staff Papers Series Staff Paper 91-48 December 1991 USE OF CREDIT EVALUATION PROCEDURES AT AGRICULTURAL BANKS IN MINNESOTA: 1991 SURVEY RESULTS Glenn D. Pederson RM R Chellappan Department of Agricultural
More informationCredit Modeling, CECL, Concentration Risk, and Capital Stress Testing
Credit Modeling, CECL, Concentration Risk, and Capital Stress Testing Presented by Wilary Winn Douglas Winn, President Brenda Lidke, Director Frank Wilary, Principal Matt Erickson, Director September 26,
More informationBANK OF CHINA (CANADA) BASEL III DISCLOSURES AS AT DECEMBER 31, 2013
BANK OF CHINA (CANADA) BASEL III DISCLOSURES AS AT DECEMBER 31, 2013 Table of Contents 1. Scope of Application... 1 2. Capital Management... 2 (a) Capital structure... 2 (b) Capital adequacy ratio... 2
More informationUSDA Guaranteed Loan Secondary Market Update
USDA Guaranteed Loan Secondary Market Update Refresh Webinar May 2017 Today s Presenters Patrick Kerrigan VP - Business Development Washington, DC 800.879.3276 x5560 pkerrigan@farmermac.com Riley Croghan
More informationUNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C FORM 10-K. For the transition period from to.
UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended
More informationNational Association of. Professionals Presents: The Power of Leverage
National Association of Accredited Advanced Insurance Markets Professionals Presents: The Power of Leverage David Aaron Gordon Levy Vice President NAAIP Tel: (800)770-0492 Email: aaron david (at) naaip.org
More informationNOTES TO CONSOLIDATED FINANCIAL STATEMENTS 1. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS Kubota Corporation and Subsidiaries Years Ended March 31, 2000, 1999, and 1998 1. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Basis of Financial Statements The
More informationSCOTIA CAPITAL (USA) INC. (A Wholly Owned Subsidiary of Scotia Holdings (US) Inc.) Statement of Financial Condition.
Statement of Financial Condition Statement of Financial Condition Assets Cash and cash equivalents $ 16,652,564 Cash on deposit with clearing organizations 340,227,143 Cash and securities segregated under
More informationGENWORTH MI CANADA INC.
Condensed Consolidated Interim Financial Statements (In Canadian dollars) GENWORTH MI CANADA INC. Condensed Consolidated Interim Statements of Financial Position (In thousands of Canadian dollars) Assets
More informationR E G U L A T O R Y D I S C L O S U R E S F O R T H E T H R E E A N D N I N E M O N T H S E N D E D S E P T E M B E R 3 0,
S U P P L E M E N T A L I N F O R M A T I O N A N D R E G U L A T O R Y D I S C L O S U R E S F O R T H E T H R E E A N D N I N E M O N T H S E N D E D S E P T E M B E R 3 0, 2 0 1 8 2 0 1 8 TSX.EQB EQB.PR.C
More informationJANNEY MONTGOMERY SCOTT LLC Consolidated Statement of Financial Condition Period ended June 30, 2018 (Unaudited)
JANNEY MONTGOMERY SCOTT LLC Consolidated Statement of Financial Condition Period ended June 30, 2018 (Unaudited) Janney Montgomery Scott LLC Consolidated Statement of Financial Condition and Notes For
More informationBUILDING AFRICAN FINANCIAL MARKETS Capacity Building Seminar 10 to 12 September 2014
BUILDING AFRICAN FINANCIAL MARKETS 2014 Capacity Building Seminar 10 to 12 September 2014 SESSION NAME The building blocks of a commodity derivatives exchange SESSION DATE AND TIME 12 September, 11:00
More informationEssential Learning for CTP Candidates NY Cash Exchange 2018 Session #CTP-08
NY Cash Exchange 2018: CTP Track Cash Forecasting & Risk Management Session #8 (Thur. 4:00 5:00 pm) ETM5-Chapter 14: Cash Flow Forecasting ETM5-Chapter 16: Enterprise Risk Management ETM5-Chapter 17: Financial
More informationHidden Costs of Credit (1/2)
CHAPTER 4 Activity: Small group or partner 25 MINUTES Materials: Course materials and the activity handout Objective: The purpose of this activity is for students to examine the true cost of credit. Students
More informationLoan Pricing Deals/Relationships Session 2. Agenda
Loan Pricing Deals/Relationships Session 2 Thomas Farin President Farin & Associates, Inc tfarin@farin.com 1 Agenda Session 1 Inputs What We Need to Know Role of Benchmarks Four Models to Look at Profitability
More informationAgribusiness Lending Internal Control Questionnaire
Agribusiness Lending Internal Control Questionnaire Completed by: Date Completed: 1. Has the institution established policies that are appropriate for the complexity and scope of the agricultural lending
More informationManaging Financial Risk in Agriculture
Managing Financial Risk in Agriculture Gregg Ibendahl 1 There is no such thing as free money 2 1 What is financial risk? Comparison to playing soccer In terms of balance sheet Most risks are on the asset
More informationInsights into GASB Investments Guidance
14 th Annual GIOA Conference March 23, 2018 Insights into GASB Investments Guidance Statements 31, 40, 72, and 79 Wesley A. Galloway, Senior Project Manager The views expressed in this presentation are
More informationCredit Risk Database (CRD) for SME finance in Japan. Satoshi Kuwahara CRD Association, Japan May, 2015
Credit Risk Database (CRD) for SME finance in Japan Satoshi Kuwahara CRD Association, Japan May, 2015 1. SME s Presence in Japan 2. Some problems in SME finance 3. Previous resolution of the problems 4.
More informationC521 CHAPTER 13 & REVIEW FOR MIDTERM FINANCIAL ACCOUNTING EXAM
1 C521 CHAPTER 13 & REVIEW FOR MIDTERM FINANCIAL ACCOUNTING EXAM What have we done in the course? On a chapter by chapter basis, we primarily have examined specific transactions and the effect on financial
More informationConsolidated Statement of Financial Condition Period ended June 30, 2017 (Unaudited)
JANNEY MONTGOMERY SCOTT LLC Consolidated Statement of Financial Condition Period ended June 30, 2017 (Unaudited) Janney Montgomery Scott LLC Consolidated Statement of Financial Condition and Notes For
More informationCHESSWOOD INCOME FUND INTERIM CONSOLIDATED FINANCIAL STATEMENTS FOR THE 52-DAYS ENDED JUNE 30, 2006
CHESSWOOD INCOME FUND INTERIM CONSOLIDATED FINANCIAL STATEMENTS FOR THE 52-DAYS ENDED JUNE 30, 2006 CHESSWOOD INCOME FUND NOTICE TO READERS Accompanying this notice are the unaudited interim financial
More information2018 ICBA Regulator Panel Agricultural Lending
2018 ICBA Regulator Panel Agricultural Lending March 15, 2018 Keith Osborne ADC Wichita Field Office 1 Agenda Agricultural Lending Risk Management Practices Risk Rating Agricultural Loans References Questions
More information