PYMNTS

OCTOBER 26, 2017

It was the (initially) small FinTech startups that delivered a collective shakeup to the small business (SMB) lending industry. Technology giants like Google and Amazon , which gained their market muscle from non-finance-related ventures, are slowly stepping into the space. When I look at it from a U.S.

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South State Correspondent

JUNE 21, 2022

This decision coincided with rate hikes by the Swiss National Bank, its first since 2007, the Bank of England, and the European Central Bank announced at an emergency meeting that they would raise interest rates next month and again in September. The market, however, expects a higher year-end Fed Funds rate at 3.65%.

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Community Bank Policies Community Marketing 359

Chris Skinner

MARCH 20, 2017

By 2007, bank assets in many developed countries had reached in excess of 100 per cent of gross domestic product (“GDP”). In 2007, bank assets in the US were around 78 per cent of GDP. The banks feed domestic credit, financing asset purchases, investment and consumption as well as cross border lending.

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South State Correspondent

APRIL 10, 2023

While the market focuses on deposits and liquidity, media pundits and analysts are waiting for credit problems to appear. CRE Risk Background While ten years ago, community and regional banks use to make up some 55% of the CRE market, in 2023, these banks now compose approximately 72% (below). touched off a wave of bankruptcies.

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Community Bank Community Los Angeles Regional 195

BankUnderground

FEBRUARY 5, 2021

Emerging markets (EMs) have become more exposed to the global financial cycle in recent years. Negative liquidity shocks on the other hand constitute a tightening of financial conditions, reducing lending and real investment ( Bruno and Shin (2015) and Avdjiev et al (2018) ). Aakriti Mathur and Shekhar Hari Kumar.

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Marketing Policies Study Tools 95

South State Correspondent

MAY 23, 2023

Lending is getting riskier. This data is critical for pricing, capital allocation, and marketing. For the first time since 2007, we are starting to see material signs of stress in the form of lower cash flows and less debt service coverage. Minnesota, North Dakota, and Iowa were the least risky states to lend into.

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Trends Minnesota North Dakota Arizona 195

Jeff For Banks

APRIL 12, 2018

When I first read Standards Needed for Safe, Small Installment Loans from Banks, Credit Unions by the Pew Charitable Trusts that encouraged financial institutions to get back into small ticket consumer lending, I thought “what are they nuts!” So why would banks expand small-ticket, unsecured personal lending? Real estate secured.

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PYMNTS

DECEMBER 22, 2020

With uncertainty in the market, funding can be hard to access from more risk averse institutions. According to the announcement, the new infusion will be harnessed to offer further client financing solutions, roll out new offerings and markets and power the firm’s expansion. Europe and the United States. “The

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United States Florida Resources Lending 174

PYMNTS

MARCH 18, 2016

The alternative small business lending market took home the biggest slice of cake this week with about $33.5 That may not have been surprising this time last year, but today, considering talk of lackluster performance by these innovators — plus recent warnings over a total market collapse — that funding is pretty impressive.

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PYMNTS

NOVEMBER 27, 2018

Climbing interest rates are taking their toll on the number of consumers in the market for new home mortgages. The Incredible Shrinking Non-Bank Mortgage Lending Market. Unlike banks, these lenders have neither deposits to fund themselves nor (in most cases) other lines of business to buoy them through a slow housing market.

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Marketing Dallas Lending Conference 116

CFPB Monitor

APRIL 14, 2016

The announcement included the news that the CFPB has filled the position of Assistant Director for the Office of Small Business Lending Markets. The leadership additions announced by the CFPB were the following: Grady Hedgespeth will serve as the Assistant Director for the Office of Small Business Lending Markets.

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BankUnderground

FEBRUARY 18, 2021

As banks’ capitalisation declined, banks’ wholesale creditors responded by demanding higher interest rates to lend to them. In a working paper , we show that modelling the relationship between banks’ market-based leverage and funding costs in a stress requires a non-linear econometric model.

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Marketing Analysis Policies Study 102

Independent Banker

APRIL 28, 2016

Goodfield State Bank, chartered in 1920, has decided that sticking to the basics and focusing on niche markets will provide steady asset growth and a reasonable return to our shareholders. The housing market in central Illinois has remained strong, and Goodfield State Bank has focused on residential real estate. Chad Martin.

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Marketing Illinois Community Lending 70

Jeff For Banks

MAY 20, 2017

Today, I read an American Banker article on how a multi-billion dollar bank is going to ramp up its business lending. To remind readers, in 2006 the OCC, Federal Reserve, and FDIC issued joint interagency Guidance on Concentrations in Commercial Real Estate Lending. They need a marketing person to title their reports.

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PYMNTS

AUGUST 18, 2017

Is it because card companies reached further down-market to pull more near- and sub-prime credit users into the market? The “Fall” of Subprime Lending. In 2007 — just before the economic crack-up — sub-prime credit lending was worth $115 billion. Credit card debt accounts for roughly one trillion of that number.

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US Cards Lending New York 109

South State Correspondent

JUNE 13, 2022

In this age of social media, global interconnectedness, and market volatility, banks can be one tweet torrent away from a lightning-fast onset of risk. Examples abound, but a common one is when banks list “loan sales or participation” as a mitigant for credit shocks relating to lending sector concentrations.

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Risk Management Examples social media Management 195

PYMNTS

NOVEMBER 13, 2017

The Federal Reserve Bank of Cleveland issued new research on the online lending market showing that borrowers end up in more debt than consumers who don’t utilize this method of borrowing. The researchers used data from TransUnion for the study, pinpointing 90,000 borrowers who took out online loans from 2007 to 2012.

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Study Cleveland Online Philadelphia 100

PYMNTS

JANUARY 17, 2019

For credit card lending, demand over the next three months declined to -20.7 Again, those are the weakest numbers since the quarterly Credit Conditions Survey started recording in 2007. Ever since the June 2016 Brexit referendum, Britain’s housing market has slowed down, growing at the slowest pace in five years.

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Survey Maine Cards Lending 122

PYMNTS

JANUARY 10, 2018

Firms that lend money to mid-sized businesses in the U.S. The firm said the increased debt levels are the result of a highly competitive market in which lenders were more willing to offer lenient loans. are growing worried about the levels of debt these companies have compared to a year ago. than they were at the start of last year. “In

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Survey Marketing Lending Capital 109

PYMNTS

OCTOBER 1, 2019

Consumer, enterprise and SMB lending all ground to a near halt and underwriters across the spectrum struggled to regain equilibrium after a crisis in mortgage underwriting bloomed into a plague that destabilized the entire global economic system. The rising tide, it seemed, was lifting all boats. topped the number of ones that closed.

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Data Lending Capital Regulation 135

PYMNTS

AUGUST 21, 2018

With FinTech’s Aid, Lending Down Under. has said it will help form a new lending platform, with debt funding to be provided to Athena Home Loans. The company is taking the platform to market with Square Peg and Macquarie Group, bringing borrowers together with investors. Beyond that, in Australia, Homeloans Ltd.

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Fintech Lending Groups Digital Strategies 101

PYMNTS

APRIL 21, 2016

The alternative finance industry boomed post-2008 financial crisis as banks retreated from small business lending. Marketplace lenders emerged to fill the gap, and analysts began to ponder a paradigm shift: Could alternative lending threaten traditional financial institutions’ place in the world? Alt-Lenders On The Defense.

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PYMNTS

MAY 4, 2018

Its parent company, Enova International, reportedly spent more than $100 million in 2017 for marketing. The study examined data from TransUnion that identified about 90,000 customers who had taken out an online loan between 2007 and 2012. The Daily Press could not reach NetCredit for immediate comment.

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Virginia Online Cleveland Study 108

PYMNTS

MAY 28, 2020

“In organizing our response, we have looked to the experiences had, and the lessons learned, by our predecessors in other periods of emergency and serious market disruption, including the September 11 attacks and the 2007-08 global financial crisis.”.

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South State Correspondent

AUGUST 16, 2023

Even if your bank has limited consumer exposure, given that the consumer composes approximately 66% of the US economy, and, according to the yield curve and market pundits, we are all staring into a recession, paying close attention to consumer trends is critical. 1,000+ payments now are 15% of the market which is also a new development.

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Trends Cards Capital Data 195

BankUnderground

AUGUST 31, 2022

Since 2007, macroprudential policymakers have grappled with a broad set of vulnerabilities. ‘The place beyond the banks’: market-based finance and non-bank financial institutions. As international policymakers have since noted, the episode clearly demonstrated the need to build resilience in market-based finance.

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Policies Marketing System Regulation 82

American Banker

SEPTEMBER 9, 2016

Home purchase lending hit its highest point since 2007 as low interest rates and growing consumer confidence continue to support the housing market.

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Lending Marketing 28

Jeff For Banks

DECEMBER 29, 2021

I chose five years because banks that focus on year over year returns tend to cut strategic investments come budget time, which hurts their market position, earnings power, and future relevance than those that make those investments. MCBS, with a market cap of $705 million, and LTM revenues (net interest income plus fee income) of $125.5

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Capital Texas Metro North Carolina 78

Jeff For Banks

MAY 14, 2014

Factually, NIMs were actually greater in 2013 than in 2007 for Bank and Thrifts, according to the financial institutions included in SNL Financial''s Bank & Thrift Index (2.91% in 2007 versus 2.94% in 2013). And this partially explains why the NIM rose from 2007-2010. We have tons of cash to lend."

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Groups Analysis Lending Meeting 95

Jeff For Banks

JUNE 8, 2013

It appears that banks that had the ability to do the same during the heady lending times of 2004 - 2007 found it to be an enduring strategy (see table from Fed study). In addition to that, here is what I think a bank should do to avoid the lending hubris that led up to the crisis: 1. Lend Consistent With Your Strategy.

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St. Louis Lending Study Strategy 111

Independent Banker

DECEMBER 1, 2021

Founded in 2007 with a focus on community development, the community development financial institution (CDFI) has goals that extend far beyond its West Coast communities. Most organizations … are like, ‘Where is the most profitable market segment?’” billion-asset community bank in Oakland, Calif., wears this mission proudly.

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Oakland Community Community Bank Leadership 153

Jeff For Banks

MARCH 20, 2016

billion in equity capital, with a market capitalization close to book value. In came the FHA, with mortgage insurance to protect lenders, and the beginning of what is now a 30-year mortgage with a significant secondary market. The secondary market removes unpalatable interest rate risk from financial institutions' balance sheets.

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Virginia Risk Management Capital Comparison 60

Jeff For Banks

JUNE 2, 2023

More recently and by comparison, the mortgage meltdown and subsequent global financial crisis took down more than 500 banks between 2007 and 2014, with total assets of nearly $959 billion. The old borrow short, lend long strategy. Although community banks did not lend to sub-prime borrowers in any meaningful way, did we participate?

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FDIC Community Bank Regulation Lending 78

Jeff For Banks

JULY 2, 2015

Since 2007, banks have been challenged to grow revenues. Many if not most small businesses are not “bankable”, in the lending sense of the word. No risk appetite to do early stage business lending? Perhaps develop a small business lending marketplace with several options. This presents a challenge. Your choice.

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Lending Capital Wisconsin Community 60

Fintech Labs Insights

OCTOBER 25, 2016

P2P lending giant Lending Club has been offering car buyers an alternative borrowing experience since it launched ten years ago. Lending Club’s new Auto Refinancing product offers a solution that gives qualified borrowers a more affordable monthly payment and interest rate. Instead, the company itself will buy the debt.

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Lending California Company Cards 12

BankUnderground

FEBRUARY 18, 2020

Hardly any relationship between firms’ cash holdings and their investment between 2001 and 2007 exists: both cash-rich and cash-poor firms invested during this period. In panel A average fixed asset growth is tracked over the period 2001-2007 and in panel B over the period 2007-2014. Very likely, the first one.

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PYMNTS

OCTOBER 12, 2018

Stock markets around the globe seem to be in freefall. Non-financial corporate debt, as a percentage of [gross domestic product (GDP)], is much higher than it was in 2007 and much higher than it was in 2001 … and, interestingly, much higher than it was in 1929,” he said. Interest rates are marching higher. Call it the $1.3

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Capital Course Management Lending 131