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How to Manage Your Efficiency Ratio with Loan Size

South State Correspondent

The national banks have already indicated how they plan to reverse the efficiency ratio increase – through headcount reduction. The national banks have been clear and loud about how they intend to decrease their efficiency ratios – with headcount reductions.

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California’s Proposed Business Lending Rules Draw Support

PYMNTS

The mandate says borrowers must be given the opportunity to understand the financing being offered in a clear, concise manner that enables informed comparisons across different options. Lenders must also offer clear disclosure of the annual percentage rate (APR) and estimated monthly payments. .

Lending 182
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Member business lending: How to leverage MBL for credit union growth

Abrigo

Perform satisfactory appraisal reviews with appropriate assumptions, methodology, and market comparisons. Geographic risks: If loans outside the credit union's market area aren't restricted, draft policies outlining criteria for granting them. Use well-supported appraisals for credit decisions. How robust is your compliance program?

Lending 221
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Optimizing Loan Duration

South State Correspondent

Optimizing Loan Duration – Industry Comparison. The graph below compares the loan repricing mix for banks under $2B in assets, over $25B in assets, and the national average over the last year. The lending curve below assumes a $1mm, bankable credit, with a risk-adjusted return on capital (RAROC) of 15%.

Lending 195
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(Literal) Land Grab for Hot New Real Estate Startups Shows FOMO

PYMNTS

The funding round was led by LiveOak Venture Partners; debt came from Genesis Capital, Keystone Bank and others. The $314 million raised in all of 2017 pales by comparison. In recent data, posted at the end of last month by the National Association of Realtors, pending home sales were up 1.1 billion into May.

Capital 174
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The Central Bank Conundrum On Cryptos

PYMNTS

The research into digital central bank money will be conducted through a hub set up by the Swiss National Bank (the central bank) in partnership with the Bank for International Settlements (BIS). on the global financial cycle, this would help reduce the volatility of capital flows to emerging market economies.”.

National 183
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Profits in a time of inflation: some insights from recent and past energy shocks in the UK

BankUnderground

Profits versus excess profits: measurement and trends Measuring profits is a challenging task : national accounts data are affected by the ‘mixed income’ of self-employed, taxes and subsidies, and conflate two different dynamics: those of the market and non-market (real estate and public) sectors.

Capital 57