Capital Guidelines Marketing Risk Management 
Abrigo
MAY 2, 2024
This policy serves as a set of guidelines that outline the rules and expectations for the credit function within the bank or credit union. It sets the tone for the institution's approach to risk appetite, risk tolerance, lending philosophy, and organization of the lending function.
South State Correspondent
FEBRUARY 27, 2024
Treating all credit facilities equally by setting minimum credit spreads regardless of size, term, cross-sell opportunities, lifetime value, and credit quality leads to misallocation of capital and substandard return on assets (ROA) and return on equity (ROE). Many banks target profitable commercial clients. Cost-plus pricing.
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Insights on Business
OCTOBER 16, 2018
Regulations such as the second payment services directive (PSD2) and the Open Banking project spearheaded by the UK’s Competition and Market Authority (CMA) are driving disruption in the banking value chain. Meanwhile, new competitors are entering the market and tearing up the traditional banking rule book.
Abrigo
DECEMBER 14, 2014
Many would point to imprudent lending standards as a leading cause of the financial crisis of 2008, and in turn, financial institution regulators have since bolstered lending standards and capital thresholds as a preventive measure against a similar crisis.
South State Correspondent
JANUARY 30, 2023
Liquidity Pressures on Rising Funding Costs Excess bank liquidity gathered during the pandemic is now waning as depositors become more active in moving funds to higher-yielding alternatives like Treasuries and money markets. Managers look at the average spreads in the market and set their minimum spread relative to that industry average.
Abrigo
NOVEMBER 18, 2016
In a survey of community banks and credit unions at the 2016 Sageworks Risk Management Summit, 42 percent of respondents said Commercial Real Estate, or CRE, lending was their primary focus for loan portfolio growth. Learn more about the Sageworks Credit Risk Management Solution. This reflects a larger industry trend.
PYMNTS
SEPTEMBER 4, 2019
The Hong Kong Monetary Authority has, as finews.asia reported this past week, amended its credit risk management guidelines in a way that seeks to boost the embrace of analytics when lending to smaller firms. Cash invested on the platform, said the company, stands at $2.7
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