Abrigo

AUGUST 2, 2023

This article outlines a structured approach to ensuring management can confidently answer inquiries about the health of their CRE segments and related credit performance. Stress testing helps you manage capital levels and credit risk. See how in this whitepaper.

Report 195

Report Risk Management Lending Analysis 195

Abrigo

DECEMBER 23, 2022

Our top ten blogs were created by Abrigo's team, which includes former bankers, regulators, and industry experts. Would you like other articles like this in your inbox? Th e article is intended for the ALM rookie who wants to understand ALM basics: the process and its usefulness. Learn more. Keep me informed.

Resources 195

Resources Risk Management Study Strategy 195

Jeff For Banks

MAY 20, 2017

And regulators are getting anxious. Today, I read an American Banker article on how a multi-billion dollar bank is going to ramp up its business lending. Reading between the lines, this bank is likely over the CRE guidance levels, and were probably getting grief from their regulators about it. Anxiety, anxiety, anxiety.

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Lending Regulation Community Community Bank 60

The Financial Brand

AUGUST 24, 2023

This article How Proposed Capital Rules Could Hit Credit Cards, Mortgages and More appeared first on The Financial Brand. This article How Proposed Capital Rules Could Hit Credit Cards, Mortgages and More appeared first on The Financial Brand.

Capital 29

Capital Cards Regional Branding 29

Abrigo

JANUARY 11, 2022

This article kicks off a series intended to highlight how ALM can help financial institutions get the most profitability out of their balance sheets while managing their risk profiles. This initial ALM 101 article is intended for the ALM rookie who wants to understand ALM basics: the process and its usefulness.

Management 195

Management Meeting Capital Strategy 195

Abrigo

SEPTEMBER 5, 2023

In this article, I'll cover what a credit exception is, recommendations for creating loan/credit exceptions, and tips for developing an exception policy for the financial institution. unsecured lending is bad rather than unsecured lending should only be extended to high pass risk rated credit).

Policies 195

Policies Lending Risk Management Examples 195

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. For many, commercial real estate lending may be the ticket. This reflects a larger industry trend.

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Community Bank Handbook Lending Risk Management 150

Abrigo

JUNE 17, 2015

Like other types of lending, banks must remain cautious to avoid too heavy of an agricultural concentration or too much lending within a certain ag segment. The challenge is that market conditions in this type of lending tend to be volatile. Without diversification, risks will be expounded.

How To 150

How To Kansas City Lending Analysis 150

South State Correspondent

JANUARY 16, 2024

Barings Bank, Orange County (CA), Enron, Long-Term Capital Management, and other entities misused derivatives or didn’t understand the difference between hedging and speculating. BSBY was not well received by US regulators from its inception, but the market eventually embraced SOFR over BSBY.

Community Bank 195

Community Bank Community Compliance CA 195

Abrigo

FEBRUARY 5, 2021

Takeaway 3 Meanwhile, regulators continue to reinforce the importance of lenders knowing customers and beneficial owners. We’ve had a large portion of our company working non-stop supporting our CFI customers because we are committed to the effort to get much-needed capital in the hands of small business owners and their employees.”

Fraud 195

Fraud Lending Taxes Regulation 195

Abrigo

AUGUST 1, 2022

Would you like other articles like this in your inbox? Takeaway 2 Even small banks or credit unions not regulated by the Federal Reserve are required to address control risks from models. MRM and model validation regulations. Effective challenge is a requirement for banks regulated by the Federal Reserve or OCC.

Risk Management 195

Risk Management Management Regulation Analysis 195

PYMNTS

JULY 20, 2018

That includes the total amount of fees they would have to pay, total amount of funds and the “estimated annualized cost of capital.” ” The publication likened the disclosure requirements to existing rules that require consumer lenders to disclose APRs under the federal Truth in Lending Act and Regulation Z.

California 100

California Los Angeles Lending Regulation 100

Abrigo

JULY 14, 2023

Would you like other articles like this in your inbox? Analysis should be performed on concentrations, as a percentage of capital, in terms of: (1) Collateral type such as multifamily, retail, office, etc. (2) For example, your top goal for next year might be to expand your lending geographic footprint. CRE concentration report.

Strategy 195

Strategy Data Analytics Analysis 195

PYMNTS

DECEMBER 19, 2018

For small- and medium-sized businesses (SMBs) in need of capital, bank loans are undoubtedly the first place they look. For smaller companies that have traditionally relied on bank loans, private equity and venture capital funding, it links them to another source of capital.

Marketing 134

Marketing Capital Security Trends 134

PYMNTS

SEPTEMBER 20, 2017

million USD), the news article read, noting revenue rose 133.5 Chinese companies, especially FinTechs, are beginning to turn to overseas public offerings to raise new capital. Analysts say the trend is the result of tightened regulations at home, especially those impacting alternative lending startups. million yuan ($94.9

United States 100

United States Fintech Maine Study 100

PYMNTS

APRIL 30, 2018

Marketplace lending. According to a Crunchbase article published in February of 2018, investments in blockchain and blockchain-related startups (excluding initial coin offerings, or ICOs) were already 40 percent of what they were in 2017. Marketplace Lending. Blockchain. Digital banks. Blockchain. Take the blockchain.

Fintech 183

Fintech blockchain Lending Digital Banking 183

South State Correspondent

AUGUST 21, 2022

In this article, we will discuss what community banks should look for in a hedge provider, specifically in a loan-level hedging program. Lending Discipline: Hedging programs make loan pricing more transparent and force bankers to exercise sensible pricing methodologies. We also shared a table that summarized the two strategies.

How To 195

How To Community Bank Community FDIC 195

Banking 2020

JANUARY 20, 2015

As a recent article in The New York Times points out, the issue is taking on greater urgency than ever before because of the flood of new technologies designed for exactly this purpose. The technology analyzes just about every kind of information, from buying habits and social media activities to the use of capital letters to fill out forms.

Technology 40

Technology Lending social media Analytics 40

Gonzobanker

AUGUST 24, 2023

In an article titled Is the Banking Crisis Over? Holding these assets can impact profitability because banks can’t lend those funds out or invest them at higher rates. The Credit Card Competition Act of 2023 could negatively impact banks’ ability to generate interchange fees and reduce the amount of capital they issue, however.

Innovation 148

Innovation United States Industry Technology 148

Jeff For Banks

DECEMBER 16, 2022

Total return includes two components: capital appreciation and dividends. Silvergate Capital Corporation (NYSE: SI) #2. and Puerto Rico banking laws and regulations. I would be remiss not pointing out that the #1 total return bank for 2020 and 2021, Silvergate Capital Corporation, had a five-year total return of 71.6%.

Puerto Rico 78

Puerto Rico Virgin Islands Community Community Bank 78

South State Correspondent

APRIL 1, 2023

In this article, we recap the latest data on deposits and banking in order to give you an updated picture. Lending Although we only have quarterly lagged data on credit conditions, it is worth noting that more timely H.8 The move will increase the cost of compliance and the cost of capital. Deposit Balances The Fed’s H.8

Regulation 221

Regulation Community Bank Community Capital 221

Gonzobanker

APRIL 23, 2020

Troubled Debt Restructuring (TDR) guidance relaxation from regulators does not mean borrowers that are given help now will not end up classified as TDRs down the road. Explore what guidance regulators might provide. Here is a quick checklist to help institutions weather the storm that’s brewing: 1. Mine the value in a CRE stress test.

Management 80

Management Tampa Analytics Data 80

FICO

JUNE 18, 2018

Are we making the progress we want to see — and regulators demand — on non-performing loans (NPL)? Additional capital requirement for high-risk-weighted assets. Reduced appetite for new lending. They were largely protected from massive NPL rates due to tighter lending laws before the crash. Increase in impairments costs.

Marketing 63

Marketing Leadership Lending Capital 63

Abrigo

DECEMBER 22, 2023

Abrigo's top risk management articles The risk management blogs banks and credit unions are reading Probability of default, CECL model validation, and CRE risk are hot topics that risk management and accounting professionals will be tracking in the coming months. Key tentative decisions and timelines are shown in this blog.

Risk Management 221

Risk Management Regulation Management Lending 221

Lex Sokolin

DECEMBER 31, 2020

A cute little article about $90MM from order flow. The predecessor article is also pretty good , stating?—?The Decentralized Finance, Blockchain, and CBDCs Why Peer-to-Peer models fail against oligopoly, with Lending Club shutting down p2p platform, Seedrs/Crowdcube merging, and Morgan Stanley buying Eaton Vance for $7B.

Fintech 52

Fintech Bitcoin blockchain Google 52

Lex Sokolin

DECEMBER 31, 2020

A cute little article about $90MM from order flow. The predecessor article is also pretty good , stating?—?The Decentralized Finance, Blockchain, and CBDCs Why Peer-to-Peer models fail against oligopoly, with Lending Club shutting down p2p platform, Seedrs/Crowdcube merging, and Morgan Stanley buying Eaton Vance for $7B.

Fintech 52

Fintech Bitcoin blockchain Google 52

Tomorrow's Transactions

FEBRUARY 5, 2016

This issue happens to have a very interesting article on the digitisation of banking, a subject of great current interest. The article goes on by noting that banks do not seem to be making as much of new technology as they might and that “what may prove to be more serious is the determination to cling to time-honoured procedures”.

blockchain 30

blockchain Regulation Technology Operations 30

Jessica Ellerm

FEBRUARY 25, 2016

The UK Government in particular can be applauded for drafting a comprehensive report titled FinTech Futures , offering ten recommendations that if implemented, would position the United Kingdom to further entrench itself as the fintech capital of the world. Problem: The bank won’t lend to my business.

Fintech 40

Fintech Lending US Policies 40

South State Correspondent

AUGUST 22, 2022

If you already have a data warehouse or plan to sell the bank in the next 12 months – please skip this article. If not, this article explains why a data lake house should be central to your strategic plans. Bankers’ decisions stay with their capital for a very long time. Banks are on the verge of the same dilemma.

Data 195

Data Analysis Marketing System 195

William Mills

JUNE 16, 2016

A recent TechCrunch article postures that, “For now, the banks that get it love the fintech startups more than you’d guess.” 3) Tighter regulation is happening. 500/5000 is flooded with companies that lend, process or create money. CircleUp and Kickstarter are replacing venture capital firms or other typical investors.

Fintech 40

Fintech Industry User Experience US 40

William Mills

JUNE 16, 2016

A recent TechCrunch article postures that, “For now, the banks that get it love the fintech startups more than you’d guess.” 3) Tighter regulation is happening. 500/5000 is flooded with companies that lend, process or create money. CircleUp and Kickstarter are replacing venture capital firms or other typical investors.

Fintech 40

Fintech Industry User Experience US 40

South State Correspondent

OCTOBER 28, 2022

cyber, infrastructure, and regulation. Instead of promoting a commercial lending product, a bank will roll out augmented reality that overlays maximum loan values and indicative rates on buildings to help potential buyers decide when they drive areas looking for locations. Small Idea – You Will Need a New Core Soon.

Conference 195

Conference Technology Las Vegas Trends 195

Gonzobanker

DECEMBER 19, 2017

Heavy-handed regulators. The Get Outta Dodge (and Focus) Award – Goes to Capital One for exiting a significant mortgage business to focus on cards and direct banking. The Real “Lending” Stock Award – Goes to longtime player LendingTree. Oh, by the way, that Fintech darling of two years ago Lending Club? Payments chaos.

Conference 101

Conference Industry Community Bank Community 101

Abrigo

DECEMBER 21, 2020

Would you like others articles like this in your inbox? Takeaway 2 The bill will set aside billions for community financial institutions to lend, as well as for loans to businesses in low-income areas. . Lending & Credit Risk. SBA Lending. Lending & Credit Risk. SBA Lending. SBA Lending.

Lending 195

Lending Community Regulation Maine 195

Abrigo

APRIL 7, 2022

Would you like other articles like this in your inbox? Perhaps the most significant practical impact of SCALE is that by introducing it, regulators have clarified that financial institutions have the space to bring in external information like peer information for their computational estimates. Keep me informed. Watch Webinar/Download.

Policies 195

Policies Data Examples Lending 195

Bank Innovation

MAY 9, 2017

This is the first of a series of five articles on Open Finance in Europe. Due to complexity and regulation, it has taken finance a little longer than other industries to evolve into an interoperable and open industry model. What is an API and why does everyone seem to be talking about them recently?

Data 191

Data Trends Industry Examples 191

PYMNTS

AUGUST 22, 2016

In his brand new book, “ The Curse of Cash ,” Rogoff also devotes a fair number of his pages to Central Banks’ inability to regulate monetary policy because, among other things, there’s too much cash being hoarded by people who are, by and large, engaging in bad behavior with it. Reality Check: Bitcoin Is For Criminals.

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Payments Bitcoin Cards Taxes 100