Unique insights on the consumer credit market
|
|
- Amanda Warren
- 5 years ago
- Views:
Transcription
1 Unique insights on the consumer credit market Highlights from the 2015 Experian Oliver Wyman Market Intelligence Report Experian and the marks used herein are service marks or registered trademarks of Experian Information Solutions, Inc. Other product and company names mentioned herein are the trademarks of their respective owners. No part of this copyrighted work may be reproduced, modified, or distributed in any form or manner without the prior written permission of Experian. 1
2 Experian-Oliver Wyman Market Intelligence Report Introduction Today s Speakers: Linda Haran Senior Director Experian Decision Sciences Alan Ikemura Senior Product Manager Experian Decision Sciences 2
3 Experian-Oliver Wyman Market Intelligence Report Agenda 2015 Economic Outlook Origination and Delinquency Trends Mortgage Home Equity Bankcard Automotive 3
4 Economic Trends 4
5 Experian-Oliver Wyman Market Intelligence Report 2015 Outlook Unemployment levels continue to decline, to 5.4% in March GDP increased nominally in the first quarter, by 0.2% Housing market continues to show improvements 12% 10% 8% 6% 4% 2% 0% -2% -4% -6% -8% US Gross Domestic Product Percent change from preceding period -10% 2Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q 5
6 Mortgage Trends 6
7 Experian-Oliver Wyman Market Intelligence Report 2015 Origination Trends Mortgage Mortgage origination volume (in $BNs) $600 $500 $400 YoY increase of 25% $300 $200 $100 $ $416 $407 $436 $508 $537 $515 $555 $441 $317 $253 $350 $386 $374 $316 7
8 Experian-Oliver Wyman Market Intelligence Report 2015 Origination Trends Mortgage $250 Origination volume by region (in $BNs) $200 $150 $100 $50 $ Midwest Northeast South Atlantic South Central West 8
9 Experian-Oliver Wyman Market Intelligence Report 2015 Delinquency Trends Mortgage Mortgage delinquency rates as % of balances 2.5% 2.0% 1.5% 1.0% 0.5% 0.0%
10 Experian-Oliver Wyman Market Intelligence Report 2015 Delinquency Trends Mortgage 30+ delinquency exposure continues to decline while balances see steady increases 30+ dpd balance exposure (in $BNs) $600 $9.0 $8.8 $500 $8.6 $400 $8.4 $8.2 $300 $8.0 $7.8 $200 $7.6 $100 $7.4 $7.2 $ $ dpd Exposure Balances O/S 10
11 Experian-Oliver Wyman Market Intelligence Report 2015 Delinquency Trends Mortgage Vintage performance 30+ delinquency rates as % of trades 6% 5% 4% 3% 2% 1% 0% Months after origination
12 Home Equity Trends 12
13 Experian-Oliver Wyman Market Intelligence Report 2015 Origination Trends HELOC HELOC origination volume limits (in $BNs) $40 $35 $30 $25 $20 $15 $10 $5 $ Overall $20 $19 $23 $23 $22 $22 $28 $30 $28 $26 $34 $37 $35 $31 13
14 Experian-Oliver Wyman Market Intelligence Report 2015 Origination Trends HELOC $12.0 HELOC origination volume limits by region (in $BNs) $10.0 $8.0 $6.0 $4.0 $2.0 $ Midwest Northeast South Atlantic South Central West 14
15 Experian-Oliver Wyman Market Intelligence Report 2015 Delinquency Trends HELOC HELOC delinquency rates as % of balances 1.2% 1.0% 0.8% 0.6% 0.4% 0.2% 0.0%
16 Experian-Oliver Wyman Market Intelligence Report 2015 Delinquency Trends HELOC Vintage performance 30+ delinquency rates as % of trades 1.6% 1.4% 1.2% 1.0% 0.8% 0.6% 0.4% 0.2% 0.0% Months after origination
17 Bankcard Trends 17
18 Experian-Oliver Wyman Market Intelligence Reports 2015 Origination Trends Bankcard Bankcard origination volume (in $BNs) $90 $80 $70 $60 $50 $40 $30 $20 $10 $ $57 $57 $61 $59 $63 $68 $77 $71 $77 $81 $80 $77 18
19 Experian-Oliver Wyman Market Intelligence Reports 2015 Origination Trends Bankcard Bankcard origination volume by VantageScore (in $BNs) $45 $40 $35 $30 $36.2 $31.7 $25 $20 $15 $10 $5 $ $6.8 $1.7 $0.11 Super Prime Prime Near Prime Subprime Deep Subprime 19
20 Experian-Oliver Wyman Market Intelligence Reports 2015 Origination Trends Bankcard Average limit per new trade by VantageScore (in $s) YoY % change in average limit by VantageScore $12, % -0.6% $10,000 $9,604 $9, % -3.2% $8, % -8.8% $6,000 $5,382 $5, % $4,000 $2,000 $0 Super Prime Prime $2,497 $2,277 Near Prime 2015 $1,171 $966 Subprime $686 $509 Deep Subprime -20.0% -25.0% -30.0% -17.5% -25.9% Super Prime Prime Near Prime Subprime Deep Subprime 20
21 Experian-Oliver Wyman Market Intelligence Reports 2015 Outstanding Trends Bankcard Bankcard balances (in $BNs) to Unemployment rate 650 9% $629 8% 7% % 6% $ % 5% 4% 580 3% 570 2% 560 1% % Balances O/S Unemployment National Unemployment Rate: Bureau of Labor Statistics 21
22 Experian-Oliver Wyman Market Intelligence Reports 2015 Delinquency Trends Bankcard Bankcard delinquency rates as % of balances 5.0% 4.5% 4.0% 4.33% 3.5% 3.0% 2.5% 2.0% 1.5% 1.0% 0.5% 1.28% 0.78% 0.48% 0.0% DPD DPD DPD Charge-offs 22
23 Auto Trends 23
24 Experian-Oliver Wyman Market Intelligence Reports 2015 Origination Trends Auto Loans Auto origination volume (in $BNs) $160 $515BN +8% $555BN $140 $120 $100 $80 $60 $40 $20 $ $107 $116 $109 $115 $132 $135 $121 $127 $142 $146 $133 $134 24
25 Experian-Oliver Wyman Market Intelligence Reports 2015 Origination Trends Auto Loans Auto origination volume distribution by lender type 100% 90% 14% 15% 17% 18% 80% 70% 60% 50% 40% 30% 20% 21% 34% 33% 22% 25% 33% 29% 20% 10% 0% 32% 31% 28% 28% 2015 Captive Auto Banks Credit Unions Finance 25
26 Experian-Oliver Wyman Market Intelligence Reports 2015 Origination Trends Auto Loans VantageScore distribution of origination volume by financial institution (latest quarter) Super Prime Prime Near Prime Subprime Deep Subprime Banks 21% 49% 20% 10% 0.4% Captive Auto 23% 42% 22% 12% 0.5% Credit Unions 17% 51% 23% 9% 0.3% Finance 11% 26% 21% 37% 5% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% 26
27 Experian-Oliver Wyman Market Intelligence Reports 2015 Delinquency Trends Auto Loans Auto loan delinquency rates as % of balances 2.5% 2.0% 1.5% 1.85% 1.83% 1.77% 1.0% 0.5% 0.46% 0.22% 0.0%
28 Experian-Oliver Wyman Market Intelligence Report 2015 Summary Economy slowed in the quarter, but steady Unemployment continues to decline GDP relatively flat; consumer confidence stable Real estate showing signs of life 1 st Mortgage: 25% increase YoY HELOC originations: still generating over $30BN/quarter Strong loan performance for both portfolios Bankcard increases, but slower than prior quarters 8% YoY and 6% YoY for originations and balances, respectively Delinquency remains near all-time lows Auto growing through continuing channel diversification 6% YoY growth; Credit Unions and Finance categories now represent over 40% of originations Delinquency back in check after slight upticks in previous quarters 28
29 Experian-Oliver Wyman Market Intelligence Report IntelliView IntelliView v1.2 now available! *NEW* Segment by Experian-exclusive scores *NEW* Overlay key macroeconomic indicators A unique combination of industry leading assets from Experian and Oliver Wyman Benchmark your portfolio performance against peers and industry to gain a competitive advantage Quickly and easily respond to what-if scenarios and run multiple iterations as needed 29
30 Experian-Oliver Wyman Market Intelligence Report VantageScore Overview VantageScore Credit Tiers Super prime Prime Near prime Subprime VantageScore, which is used by lenders and now available to consumers, is the first credit score developed cooperatively by Experian and the other national credit reporting companies. The VantageScore 3.0 model ranges from with a high score = low risk. Deep subprime Note: Each lender determines credit quality tiers according to their own lending strategies. The credit tier breakdown is offered only as an approximation. VantageScore is a registered trademark of VantageScore Solutions, LLC. 30
31
State of the Automotive Finance Market
State of the Automotive Finance Market A look at loans and leases in Q4 2016 Presented by: Melinda Zabritski Sr. Director, Financial Solutions www.experian.com/automotive 2016 Experian Information Solutions,
More informationState of the Automotive Finance Market
State of the Automotive Finance Market A look at loans and leases in Q1 2018 Presented by: Melinda Zabritski Sr. Director, Financial Solutions www.experian.com/automotive 2018 Experian Information Solutions,
More informationState of the Automotive Finance Market
State of the Automotive Finance Market A look at loans and leases in Q3 2017 Presented by: Melinda Zabritski Sr. Director, Financial Solutions www.experian.com/automotive 2016 Experian Information Solutions,
More informationState of the Automotive Finance Market Third Quarter 2015
State of the Automotive Finance Market Third Quarter 2015 Melinda Zabritski Sr. Director Financial Solutions 2015 2015 Experian Information Solutions, Inc. Inc. All rights All rights reserved. reserved.
More informationState of the Automotive Finance Market Fourth Quarter 2015
State of the Automotive Finance Market Fourth Quarter 2015 Melinda Zabritski Sr. Director Financial Solutions 2016 2015 Experian Information Solutions, Inc. Inc. All rights All rights reserved. reserved.
More informationMelinda Zabritski, Director of Automotive Credit
State of the Automotive Finance Market Third Quarter 2010 Melinda Zabritski, Director of Automotive Credit 2010 Experian Information Solutions, Inc. All rights reserved. Experian and the marks used herein
More informationQuarterly Economic Update Key Trends
Quarterly Economic Update Key Trends Linda Haran Senior Director June 2011 Experian and the marks used herein are service marks or registered trademarks of Experian Information Solutions, Inc. Other product
More informationState of the Automotive Finance Market A look at loans and leases in Q1 2016
State of the Automotive Finance Market A look at loans and leases in Q1 2016 Presented by: Melinda Zabritski Sr. Director, Financial Solutions www.experian.com/automotive 2016 Experian Information Solutions,
More informationState of the Automotive Finance Market Fourth Quarter 2013
State of the Automotive Finance Market Fourth Quarter 2013 Melinda Zabritski Sr. Director, Experian Automotive Experian and the marks used herein are service marks or registered trademarks of Experian
More informationState of the Automotive Finance Market
State of the Automotive Finance Market Presented by: Melinda Zabritski Q3 2018 1 Experian Session overview Market Overview Outstanding balances Total risk distributions Delinquency Originations New and
More informationMelinda Zabritski, Director of Automotive Credit
State of the Automotive Finance Market First Quarter 2012 Melinda Zabritski, Director of Automotive Credit Experian and the marks used herein are service marks or registered trademarks of Experian Information
More informationLendIt Michele Raneri April 2016
LendIt 2016 Michele Raneri April 2016 Experian and the marks used herein are service marks or registered trademarks of Experian Information Solutions, Inc. Other product and company names mentioned herein
More informationState of the Automotive Finance Market
State of the Automotive Finance Market A look at loans and leases in Q4 2017 Presented by: Melinda Zabritski Sr. Director, Financial Solutions www.experian.com/automotive 2018 Experian Information Solutions,
More informationState of the Automotive Finance Market. Melinda Zabritski Sr. Director Experian Automotive
State of the Automotive Finance Market Melinda Zabritski Sr. Director Experian Automotive Discussion Points What s on the road? Return of the US automotive market Shifting consumer dynamic Overall consumer
More informationGET SOCIAL WITH US. #vision2016. Tweet, follow, share throughout the session.
GET SOCIAL WITH US Tweet, follow, share throughout the session. 2015 Experian Information Solutions, Inc. All rights reserved. 1 Alternative methods to validate with low portfolio volumes Experian and
More informationState of the Automotive Finance Market
State of the Automotive Finance Market Presented by: Melinda Zabritski Q4 2018 1 Experian Session overview Market Overview Outstanding balances Total risk distributions Delinquency Originations New and
More informationDollars of Lines Originated (Billions) Dollars of Lines Originated Billions)
Lending Trends Crissy Wallace Lead Analytics Consultant 1 Experian Agenda Macroeconomic Trends Auto Trends Mortgage Trends Personal Loan Trends Student Loan Trends Alternative Data 2 Experian 1 Since the
More informationQ Industry Insights Report
Q1 2016 Industry Insights Report U.S. Financial Services Nidhi Verma Director, Research and Consulting TransUnion In this session, we will review industry trends for major lending products with respect
More informationGet educated A study in the student lending marketplace
Get educated A study in the student lending marketplace Experian and the marks used herein are service marks or registered trademarks of Experian Information Solutions, Inc. Other product and company names
More informationRevisiting the Subprime Crisis
Revisiting the Subprime Crisis Brian Landau Senior Vice President and Auto Business Lead TransUnion May 31, 2018 Several news outlets have raised the question: is a subprime bubble in auto forming? Overstretched
More informationGET SOCIAL WITH US. #vision2016. Tweet, follow, share throughout the session.
GET SOCIAL WITH US Tweet, follow, share throughout the session. 2015 Experian Information Solutions, Inc. All rights reserved. 1 Profitable credit card lending to the underserved market: Bringing the underserved
More informationInaugural VantageScore 4.0 Trended Data Model Validation
SM JUNE 2018 VantageScore 4.0 2015-2017 Validation: Inaugural VantageScore 4.0 Trended Data Model Validation Contents SCORE PERFORMANCE MAINSTREAM CONSUMERS 1 Trended Data Results 1 INDUSTRY RESULTS 3
More informationHas there been an impact of the affordability crunch on the housing market?
#vision2016 Has there been an impact of the affordability crunch on the housing market? Experian and the marks used herein are service marks or registered trademarks of Experian Information Solutions,
More informationGET SOCIAL WITH US. #vision2016. Tweet, follow, share throughout the session.
GET SOCIAL WITH US Tweet, follow, share throughout the session. 2015 Experian Information Solutions, Inc. All rights reserved. 1 The state of the union for online marketplace lending Experian and the marks
More informationThe changing face of installment lending
The changing face of installment lending Experian and the marks used herein are service marks or registered trademarks of Experian Information Solutions, Inc. Other product and company names mentioned
More informationMillennials, Generation Z and credit
Millennials, Generation Z and credit Introducing: Kelley Motley Experian Natasha Madan Experian Generation overview Gen Z Gen Y Gen X Boomer Silent Age 18 20 Younger: Age 21 27 Age 35 49 Age 50 70 Age
More informationDelinquency trends and collection regulation update under the Consumer Finance Protection Bureau (CFPB)
Delinquency trends and collection regulation update under the Consumer Finance Protection Bureau (CFPB) Introducing: Edwin de Buck ING Gordon Cameron PNC Kelley Motley Experian 1M 1M 1M 1M 1M 1M 1M 1M
More informationScore migration strategies for turbulent times
Score migration strategies for turbulent times Chuck Robida, Experian Experian and the marks used herein are service marks or registered trademarks of Experian Information Solutions, Inc. Other product
More informationExperian-Oliver Wyman Market Intelligence Reports Strategic default in mortgages: Q update
2011 topical report series Experian-Oliver Wyman Market Intelligence Reports Strategic default in mortgages: Q2 2011 update http://www.marketintelligencereports.com Table of contents About Experian-Oliver
More informationHelping credit unions cross-sell
Helping credit unions cross-sell Introducing: Jason Dietrich Experian Melton Knight Experian People want to do business with you because you help them get what THEY want They don t want to do business
More informationConsumer Perspective: Industry Insights and Lending Dynamics. Matt Fabian Director, Research & Industry Analysis
Consumer Perspective: Industry Insights and Lending Dynamics Matt Fabian Director, Research & Industry Analysis Agenda 1 Context A summary of economic trends 2 An overall perspective on the Canadian consumer
More informationQ Industry Insights Report
Q3 2015 Industry Insights Report U.S. Financial Services Nidhi Verma Director, Financial Services Research and Consulting TransUnion TransUnion s Industry Insights Report is a quarterly overview summarizing
More informationFourth annual state of small business and U.S. business credit
#vision2016 Fourth annual state of small business and U.S. business credit Experian and the marks used herein are service marks or registered trademarks of Experian Information Solutions, Inc. Other product
More informationDiving deep on credit establishment
Diving deep on credit establishment Experian and the marks used herein are service marks or registered trademarks of Experian Information Solutions, Inc. Other product and company names mentioned herein
More informationTrended Credit Data Attributes in VantageScore 4.0
SM OCTOBER 2017 Trended Credit Data Attributes in VantageScore 4.0 Contents What is Trended Credit Data? 1 Examples of Consumer Trended Credit Data Assessments 2 Why Use Trended Credit data? 3 Trended
More informationUniverse expansion. Growth strategies in the evolving consumer market
Growth strategies in the evolving consumer market Executive summary As the economy gains strength, lenders are engaging in an increasingly fierce competition to entice the best candidates to their portfolios
More informationMeasuring the Impact of IFRS 9 A Case Study
Measuring the Impact of IFRS 9 A Case Study Carlo Gabardo 30 November 2016 Experian and the marks used herein are service marks or registered trademarks of Experian Limited. Other products and company
More information2018 VANTAGESCORE MARKET STUDY REPORT. AUTHORS Peter Carroll, Partner Cosimo Schiavone, Principal
2018 VANTAGESCORE MARKET STUDY REPORT AUTHORS Peter Carroll, Partner Cosimo Schiavone, Principal CONTEXT AND INTRODUCTION Oliver Wyman was retained by Berens & Miller, P.A. to gather and benchmark objective
More informationWhat is Happening with Personal Loan Losses?
What is Happening with Personal Loan Losses? Ram Ahluwalia CEO, PeerIQ Nick Andreadis Head of Data Intelligence Ashish Dole Head of Research P E E R I Q I N T R O PeerIQ is a NYC-based data & analytics
More informationThe Bubble, the Burst and Now What Happened to the Consumer? Joe Mellman Vice President, Financial Services TransUnion
The Bubble, the Burst and Now What Happened to the Consumer? Joe Mellman Vice President, Financial Services TransUnion How did the financial crisis affect consumers and how have they fared since? 1 2 3
More informationA Perspective on Credit Card Usage and Consumer Performance
February 22, 2011 Consumer Financial Protection Bureau A Perspective on Credit Card Usage and Consumer Performance Ezra D. Becker Vice President, Research and Consulting Financial Services Group ebecker@transunion.com
More information2016 AUTO FINANCING MARKET OVERVIEW
2016 AUTO FINANCING MARKET OVERVIEW Equifax Canada motive Roger Mitchell, BA, MA, MBA Director, Financial Institutions and Commercial September 22 nd, 2016 2016 CFLA Annual Conference 1 Today s Agenda
More information2017 VANTAGESCORE MARKET STUDY REPORT. AUTHOR Peter Carroll, Partner
2017 VANTAGESCORE MARKET STUDY REPORT AUTHOR Peter Carroll, Partner CONTEXT AND RETENTION Oliver Wyman was retained by Berens & Miller, P.A. to conduct primary research into the use of VantageScore ("VS")
More informationBenefits of Full File Credit Reporting. Patrick Walker PERC Presentation
Benefits of Full File Credit Reporting 1 Patrick Walker PERC Presentation Who i? s A non-partisan, non-profit policy research and development institute devoted to increasing financial inclusion using information
More informationHELOC end-of-draw analysis
Managing risk and anticipating consumer behaviors An Experian perspective Table of contents The tale of housing and end of draw...1 Home equity line of credit overview...1 HELOC origination rebound post-recession...1
More informationQuarterly U.S. Consumer Credit Trends DATA AS OF DECEMBER 2017
Quarterly U.S. Consumer Credit Trends DATA AS OF DECEMBER 2017 March 2, 2018 Quarterly U.S. Consumer Credit Trends Data as of December 2017 Published February 10, 2018 Visit us at www.equifax.com/business/credit-trends
More informationUnderstanding HELOC end of draw
White paper Understanding HELOC end of draw Manage risks and anticipate consumer behavior Table of contents The tale of housing and end of draw... 1 Home equity line of credit overview... 1 HELOC originations
More informationExploring specialty finance data
Exploring specialty finance data Introducing: John Lodmell Advance America Paul DeSaulniers Experian Crissy Wallace Experian Contents CFPB proposal Data analysis Business impact and the market ahead 3
More informationWhite paper. Trended Solutions. Fueling profitable growth
White paper Trended Solutions SM Fueling profitable growth Executive summary The economic crisis revealed that the traditional approach to portfolio management is flawed. The postmodel adjustment method
More informationMain Street Report Q4 2017
Q4 2017 1 About the report The Experian/Moody s Analytics Main Street Report brings deep insight into the overall financial well-being of the small-business landscape, as well as providing commentary around
More informationUS Automobile: Sales, Financing and Used Vehicle Insights. Mike Buckingham Senior Director Auto Finance JD Power Data & Analytics
US Automobile: Sales, Financing and Used Vehicle Insights Mike Buckingham Senior Director Auto Finance JD Power Data & Analytics Agenda Ø JD Power PIN Data; Background/Source Ø New Vehicle Data; Auto Sales,
More informationGET SOCIAL WITH US. #vision2016. Tweet, follow, share throughout the session.
GET SOCIAL WITH US Tweet, follow, share throughout the session. 2015 Experian Information Solutions, Inc. All rights reserved. 1 Approve your declines Reject Inference: Are you missing out on profit by
More informationESTIMATING STRESSED PD TO BANK LOSSES WITH A MODEL OF BEHAVIOURAL AND SOCIOECONOMIC VARIABLES - THE CASE OF GREECE
Credit Risk Scoring & Credit Control XI conference ESTIMATING STRESSED PD TO BANK LOSSES WITH A MODEL OF BEHAVIOURAL AND SOCIOECONOMIC VARIABLES - THE CASE OF GREECE Credit Scoring & Analytics Team Retail
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 informationMarket Insight Snapshot
Market Insight Snapshot Strategic defaults off from peak but still high Problem won t really vanish until home prices climb (and stay there) June 23, 2011 Terry Stockman (not his real name) earns a handsome
More informationQuarterly overview of consumer credit trends released by TransUnion CIBIL
TransUnion CIBIL Industry Insights Report Quarterly overview of consumer credit trends released by TransUnion CIBIL FIRST QUARTER 2018 Executive Summary For purposes of this report, retail lending includes
More informationFrom Main Street to LendStreet a lending platform success story
From Main Street to LendStreet a lending platform success story R. Jerry Nemorin LendStreet David Coates Experian Robert Stone Experian Experian and the marks used herein are service marks or registered
More informationSEGMENTATION FOR CREDIT-BASED DELINQUENCY MODELS. May 2006
SEGMENTATION FOR CREDIT-BASED DELINQUENCY MODELS May 006 Overview The objective of segmentation is to define a set of sub-populations that, when modeled individually and then combined, rank risk more effectively
More informationWhite Paper. Who s Getting Paid During the Subprime Crisis?
> White Paper Who s Getting Paid During the Subprime Crisis? Jennifer Christensen, Senior Consultant Yara Rogers-Silva, Consulting Statistician III May 2008 Table of Contents Executive Summary........................................
More informationIdentifying lifetime value and profitability through scoring and household linkage
Identifying lifetime value and profitability through scoring and household linkage Experian and the marks used herein are service marks or registered trademarks of Experian Information Solutions, Inc.
More informationMaximizing predictive performance at origination and beyond!
Maximizing predictive performance at origination and beyond! John Krickus, Experian Joel Pruis, Experian Amanda Roth, Experian Experian and the marks used herein are service marks or registered trademarks
More informationConsumer Credit Conditions June 2016
Consumer Credit Conditions June Prepared by the Federal Reserve Bank of Dallas Community Development Consumer Credit Conditions, June : Auto and Retail Loans Blemish Improved Delinquency Report The Consumer
More informationPortfolio Management Package Insights A quarterly briefing with best practices and thought leadership concepts from your Portfolio Management Package
Portfolio Management Package Insights A quarterly briefing with best practices and thought leadership concepts from your Portfolio Management Package (PMP) team Contents 1. New Special Handling Code (First
More informationVANTAGESCORE SOLUTIONS INTRODUCES VANTAGESCORE 3.0 MODEL
FOR IMMEDIATE RELEASE Contact: Jeff Richardson VantageScore Solutions 203-363-2170 jeffrichardson@vantagescore.com VANTAGESCORE SOLUTIONS INTRODUCES VANTAGESCORE 3.0 MODEL New Model Sets the Standard for
More informationUniverse Expansion: Is the Way You Score Customers State of the Art or State of Denial?
SM MARCH 2014 Universe Expansion: Is the Way You Score Customers State of the Art or State of Denial? Contents In summary 1 Who is typically unscoreable by conventional models? 2 How do these currently
More informationUniverse Expansion: Is the Way You Score Customers State of the Art or State of Denial?
SM MAY 2015 Is the Way You Score Customers State of the Art or State of Denial? Contents In summary 1 Who is typically unscoreable by conventional models? 2 How do these currently unscored consumers score
More informationImplementing a New Credit Score in Lender Strategies
SM DECEMBER 2014 Implementing a New Credit Score in Lender Strategies Contents The heart of the matter. 1 Why do default rates and population volumes vary by credit scores? 1 The process 2 Plug & Play
More informationUS SUBPRIME AUTO LOANS SYSTEMIC RISK OR CONTAINED WEAKNESS?
FOR PROFESSIONAL CLIENTS ONLY. NOT TO BE REPRODUCED WITHOUT PRIOR WRITTEN APPROVAL. PLEASE REFER TO ALL RISK DISCLOSURES AT THE BACK OF THIS DOCUMENT. US SUBPRIME AUTO LOANS SYSTEMIC RISK OR CONTAINED
More informationA credit score that means more. To lenders, borrowers and the nation.
A credit score that means more. To lenders, borrowers and the nation. Driven by a mission VantageScore Solutions is the independently managed company behind the VantageScore model, an advanced credit scoring
More informationDATA ANALYTICS FOR LENDERS
DATA ANALYTICS FOR LENDERS KEY FEATURES SPEED Information is available within days of prior month s closing. KEY BENEFITS REVIEW CURRENT AUTO INDUSTRY DATA TO IDENTIFY PRODUCT TRENDS. INSIGHT Compare your
More informationMaking the most of TARP: The Supporting Role of Fannie and Freddie
Financial Services Point of View Series: Issue 5 October 24, 2008 Author: John Colas, Partner in Oliver Wyman s Retail and Business Banking practice Making the most of TARP: The Supporting Role of Fannie
More informationThe State of Alternative Credit Data. How the financial services industry is adopting and benefiting from these new data sources
The State of Alternative Credit Data How the financial services industry is adopting and benefiting from these new data sources Introduction The state of alternative credit data Defining What is it? What
More informationSANTANDER WOULD MAINTAIN CAPITAL STRENGTH IN SEVERELY ADVERSE SCENARIO, BASED ON FEDERAL RESERVE STRESS TEST
Press Release SANTANDER WOULD MAINTAIN CAPITAL STRENGTH IN SEVERELY ADVERSE SCENARIO, BASED ON FEDERAL RESERVE STRESS TEST Boston, March 5, 2015 The capital ratios of Santander Bank, N.A. (SBNA) and its
More informationCECL Webinar Series: The Roadmap to Success. Irina Korablev, Senior Director Deniz Tudor, Director Anna Krayn, Senior Director
CECL Webinar Series: The Roadmap to Success Irina Korablev, Senior Director Deniz Tudor, Director Anna Krayn, Senior Director August 24, 2017 Moody s Analytics CECL Webinar Series: The Roadmap to Success
More informationDISCOVER FINANCIAL SERVICES DFAST 2016 Mid-cycle Public Disclosure of Stress Test Results October 6, 2016
DISCOVER FINANCIAL SERVICES DFAST 2016 Mid-cycle Public Disclosure of Stress Test Results October 6, 2016 DISCOVER FINANCIAL SERVICES DFAST 2016 Mid-cycle Public Disclosure of Stress Test Results TABLE
More informationMarch 2008 Third District Housing Market Conditions Nathan Brownback
March 28 Third District Housing Market Conditions Nathan Brownback By many measures, the economy of the Third District closely tracks the national economy. Thus far in the current housing cycle, this appears
More informationThe Supervisory Capital Assessment Program: Motivation and Results of the Bank Stress Test
The Supervisory Capital Assessment Program: Motivation and Results of the Bank Stress Test Beverly Hirtle, Til Schuermann, and Kevin Stiroh Federal Reserve Bank of New York January 14, 2010 * Disclaimer
More informationHarnessing Traditional and Alternative Credit Data: Credit Optics 5.0
Harnessing Traditional and Alternative Credit Data: Credit Optics 5.0 March 1, 2013 Introduction Lenders and service providers are once again focusing on controlled growth and adjusting to a lending environment
More informationGetting Beyond the Portfolio Review
2011 Financial Services Regional Seminar Getting Beyond the Portfolio Review Linda Moynihan Vance Director, Product Development and Channel Management Financial Services TransUnion 2011 TransUnion LLC
More informationCreditForecast.com U.S. Consumer Credit Outlook. Scott Hoyt, PhD, Senior Director, Research Deniz Tudor, PhD, Director, Credit Analytics
CreditForecast.com U.S. Consumer Credit Outlook Scott Hoyt, PhD, Senior Director, Research Deniz Tudor, PhD, Director, Credit Analytics Speakers Scott Hoyt Senior Director Scott Hoyt is senior director
More informationCUNA Economic and Credit Union Forecast September 2018
CUNA Economic and Credit Union Forecast September 2018 For Additional Information Contact: Jordan van Rijn Senior Economist Credit Union National Association Telephone: 800-356-9655 E-Mail: jvanrijn@cuna.coop
More informationTurning the tide. Managing troubled portfolios
Managing troubled portfolios Executive summary The economy may be recovering and the credit picture improving, but lending institutions still find themselves coping with some troubled portfolios. Plus,
More informationMain Street Report Q1 2018
Q1 2018 1 About the report The Experian/Moody s Analytics Main Street Report brings deep insight into the overall financial well-being of the small-business landscape, as well as providing commentary around
More informationNorth American Economic Outlook: Climbing Out of Recession
North American Economic Outlook: Climbing Out of Recession Presentation to the Canadian Association of Movers Paul Ferley (1) 97-731 Assistant Chief Economist paul.ferley@rbc.com November 17, 9 U.S. Economic
More informationIs Growing Student Loan Debt Impacting Credit Risk?
Is Growing Student Loan Debt Impacting Credit Risk? New research shows that student loan debt has increased dramatically and student loans are riskier than before Number 65 January 2013 As US students
More informationPractical Issues in the Current Expected Credit Loss (CECL) Model: Effective Loan Life and Forward-looking Information
Practical Issues in the Current Expected Credit Loss (CECL) Model: Effective Loan Life and Forward-looking Information Deming Wu * Office of the Comptroller of the Currency E-mail: deming.wu@occ.treas.gov
More informationGrowth in Longer-Term Auto Loans
November 2017 QUARTERLY CONSUMER CREDIT TRENDS Growth in Longer-Term Auto Loans p Kenneth P. Brevoort p Jasper Clarkberg p Michelle Kambara p Ryan Kelly This is part of a series of quarterly reports of
More informationU.S. Consumer Credit Outlook
U.S. Consumer Credit Outlook Scott Hoyt, PhD, Senior Director, Research Deniz Tudor, PhD, Director, Credit Analytics February 27, 2019 Speakers Scott Hoyt Senior Director Scott Hoyt is senior director
More informationLet s Look at the Broad Picture Macroeconomics in Credit Risk
Let s Look at the Broad Picture Macroeconomics in Credit Risk Hristiana Vidinova 30 November 2016 Experian and the marks used herein are service marks or registered trademarks of Experian Limited. Other
More informationMain Street Report Q3 2017
Q3 2017 1 About the report The Experian/Moody s Analytics Main Street Report brings deep insight into the overall financial well-being of the small-business landscape, as well as providing commentary around
More informationEmployment outlook. United Kingdom: Forecast highlights up to Between now and 2025:
United Kingdom: Forecast highlights up to 2025 Between now and 2025: Employment passed its 2008 pre-crisis level in 2013-14 and is forecast to continue to increase. Most employment growth will be in the
More informationIndustry Revenue by Category and Segment in Financially Underserved Market Revenue: $89 Billion $8.9B. Money Order Walk-in Bill Pay Payroll Card
Financially Underserved Market Size Study DECEMBER 2013 Key Findings in an $89 Billion Market: CORE INNOVATION CAPITAL INSIDE: sponsored by The financially underserved market generated approximately $89
More informationPortfolio Reviews: Monitor for Risk, Catalyst
TRANSUNION WHITE PAPER TRANSUNION WHITE PAPER Portfolio Reviews: Monitor for Risk, Catalyst Portfolio for Reviews: Action Monitor By Ezra for D. Becker, Risk, Director, Consulting Catalyst and Strategy,
More informationMain Street Report Q3 2018
Q3 2018 1 About the report The Experian/Moody s Analytics Main Street Report brings deep insight into the overall financial well-being of the small-business landscape, as well as providing commentary around
More informationThe Equifax Economic and Credit Markets Outlook
The Equifax Economic and Credit Markets Outlook A CUNA Roundtable Amy Crews Cutts SVP- Chief Economist, Equifax May 15, 2014 Comments on the Economic Outlook General forecast is that economic growth accelerates
More informationCopyright Texas Education Agency, All rights reserved.
Copyright Texas Education Agency, 2012. These Materials are copyrighted and trademarked as the property of the Texas Education Agency (TEA) and may not be reproduced without the express written permission
More informationHow Students Use Credit and What You Need to Know. Deb Gossman College Ave Student Loans
How Students Use Credit and What You Need to Know Deb Gossman College Ave Student Loans 3-19-2019 Agenda Private credit within the student loan ecosystem & compared to other consumer assets Credit Reports
More informationSecond Quarter
Second Quarter 208 07.25.208 IMPORTANT INFORMATION 2 Forward-Looking Statements This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act
More information27 January 2016 SANTANDER US. January December 2015
27 January 2016 SANTANDER US January December 2015 Disclaimer Banco Santander, S.A. and its affiliates ("Santander") caution that this presentation contains forward-looking statements within the meaning
More informationVantageScore 3.0: 638
Business Owner Profile - EVELYN ARPE Subcode: 5636 Ordered: 03/24/2016 15:31:09 CST Transaction Number: C600225913 Search Inquiry: Evelyn Arpe/1419 Center Dr/Stephenville/TX/6401 Identifying Information
More information