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Commercial Real Estate or Business Lending: Which Is Better?

Jeff For Banks

The much sought after "operating account." The charts below show the pre-tax profits as a percent of the total product portfolio during different rate scenarios compared to the Fed Funds Rate. So the answer, from a straight pre-tax profit perspective, is commercial real estate in more recent times and a rising rate environment.

Lending 78
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A Decline in Personal Savings

TrustBank

The BEA calculates the personal saving rate by subtracting taxes from personal income to arrive at “disposable personal income” and then subtracts personal outlays. As of October, the US ranked 32 nd according to the Organization for Economic Co-operation and Development (OECD) data. What’s left is an estimate of personal savings.

US 52
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Choosing from a varied toolkit: assessing China’s overall policy stance

BankUnderground

Monetary policy is in transition towards a more market-based system, but continues to operate via both prices (a range of interest rates) and quantities (the levels of credit and liquidity). The FCI is therefore a level relative to its average since 2007, with a positive/negative value reflecting relatively tight/loose financial conditions.

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Reverse Trend

Independent Banker

billion in assets and operates 60 retail locations, is licensed to originate reverse mortgages in most of the United States. Reverse mortgages could become mainstream financial planning products that increasingly more house-rich but cash-strapped senior borrowers will need. FirstBank, which has $2.3 About the market.

Trends 70
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Consumer Lending: Should Banks Do It?

Jeff For Banks

Mortgage bankers and brokers own a significant share of market (although less than prior to the 2007-08 financial crisis). Looking at our peer group numbers, the consumer loan costs a little above $1,100 per year in operating expense to originate and maintain. pre-tax profit as a percent of the portfolio. Not charitable moxy.

Lending 60
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Fools Rush In: 37 Of The Worst Corporate M&A Flops

CB Insights

Date: May 18, 2007. in May of 2007 to Google’s $3.1B And in the short-term, that would have looked like a good deal, as the social media site hit its peak in 2007 at a value of about $12B. In mid-2007, Deutsche Bank was the world’s biggest bank, with nearly $2T in assets. Microsoft and aQuantive. Price: $6.3B.

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Guest Post: Financial Markets and Economic Update by Dorothy Jaworski

Jeff For Banks

The promises included tax cuts to 15% (although a much less dramatic decrease is expected), repeal and replacement of ObamaCare (stalled in the Senate), regulatory reform (some energy rules relaxed, but not much else), infrastructure spending to repair and replace our crumbling structures, roads, airports, electrical grids, etc.