PYMNTS

FEBRUARY 22, 2017

While consumer confidence may be good, the stock market is at new highs and wages in general are up, there are some concerns bubbling up in this crucial sector of credit and lending. A few engine warning lights are blinking, notes the newswire (we had to have at least one auto analogy here).

United States 116

United States Capital Taxes Analytics 116

South State Correspondent

JULY 25, 2022

Top Line Revenue & Lending. Loan Pricing: Loan pricing has increased in the capital markets, yet bank loan pricing has continued to compress. Are you booking fewer fixed-rate loans? The sentiment is that banks have too much interest rate risk in their investment portfolios, taking away flexibility on the lending side.

Trends 195

Trends Lending Marketing Capital 195

FICO

DECEMBER 1, 2020

Increased provisions, reduced capital, less ability to lend. All this will raise the question: Whatever capital I have got, how much can I lend to borrowers who have a low confidence on their own financial prospects, and are unsure if they should borrow or not? Lower tax payments will bring more cuts.

Taxes 76

Taxes Lending Capital Regulation 76

Jeff For Banks

MARCH 27, 2022

In fact, it incents lenders to work against your ROE, promoting larger, thinly priced deals without regard for structure, duration, or capital needed to support the loan. Imagine, holding lenders accountable for the continuous pre-tax profit and ROE improvement of their loan book, like the table below.

Montana 78

Montana Taxes Strategy Leadership 78

PYMNTS

MARCH 9, 2020

As he told PYMNTS, consider the hypothetical situation in which a company with $50 million in annual revenues has after-tax income of $20 million. times book value and bonds are yielding, well, very, very little. First thing’s first: Markets look overvalued in his estimation, even against recent pullbacks.

Marketing 175

Marketing United States Lending Company 175

Independent Banker

JANUARY 31, 2022

Corporate relocations and expansions—influenced by factors like affordability, low corporate tax rates, no personal income tax and a rich talent pool—have contributed to a momentum that isn’t likely to subside soon. Since opening the loan production office, the community bank has booked about $105 million more in loans.

Texas 182

Texas San Antonio Community Bank Community 182

PYMNTS

APRIL 30, 2018

In this world, the only things certain are death and taxes. Marketplace lending. The blockchain can even end world poverty and transform society by making it safer for total strangers to lend each other money — without any third-party intermediary — and without any risk. Marketplace Lending. Honesty is the best policy.

Fintech 183

Fintech blockchain Lending Digital Banking 183

Jeff For Banks

APRIL 25, 2015

I don't think de novo banks are key players to business startup capital formation. Sure, if you cite studies that say these banks' loan books are predominantly small, as the FDIC measures them. But that is because de novo's are limited to making a loan to one borrower of 15% of their capital position. How do I know this?

FDIC 60

FDIC Capital Community Bank Lending 60

PYMNTS

FEBRUARY 20, 2018

Late payments and out-and-out defaults and charge-offs are on the rise across a few lending segments. A fair portion of that interest rate, according to the Fed, was an uptick in mortgage lending. billion in losses from delinquent credit card loans — roughly $2 billion more than were on the books at the end of 2016.

Lending 105

Lending Cards America New York 105

PYMNTS

FEBRUARY 10, 2020

The jousting over eCommerce taxes — especially for U.S. Last week in India, the government proposed a tax on eCommerce transactions that will likely increase operating costs for sellers large and small. The tax, technically known as “Tax Deducted at Source” (TDS), is sent directly to an account held by the central government.

Taxes 175

Taxes Illinois Study Operations 175

Gonzobanker

OCTOBER 26, 2021

Cornerstone Advisors estimates $145 billion of pre-tax revenue has disappeared for bankers via margin compression in only the past two years. Yet, bankers must be fully aware that mergers will be viewed not just from a book value accretion lens, but more piercingly through an ESG and social policy lens. Banker in the Middle.

Leadership 97

Leadership Compliance Strategy Branding 97

CB Insights

NOVEMBER 21, 2019

Qualifying top five venture capital investors (e.g. venture capital, growth equity, and super angel) and corporates (e.g. corporations and corporate venture capital) must have made equity investments into fintech companies listed on this market map. Capital markets. Blockchain and crypto. digital collectibles”).

Fintech 93

Fintech Marketing US Technology 93

PYMNTS

JULY 6, 2020

Wirecard continues to dominate the headlines in the realm of corporate fraud thanks to $2 billion missing from the company’s books, but it’s not the only company at the center of questionable activity. With the global pandemic continuing to cause market disruptions, the opportunities for fraudsters remain on the rise.

Fraud 148

Fraud Missouri California Report 148

Jeff For Banks

OCTOBER 23, 2017

I will occasionally quote Sun Tzu from his seminal book, The Art of War. His book is a must read at military academies and business schools alike. FFKT Farmers Capital Bank Corporation (the “Company”), Frankfort, KY FFKT is a financial holding company which had four wholly-owned bank subsidiaries at year-end 2016.

Kentucky 66

Kentucky Analysis Capital Lending 66

Gonzobanker

FEBRUARY 7, 2018

Nothing seems to put a bounce in a banker’s step more than a tax break and regulatory relief, and this bountiful energy was radiating at Bank Director’s annual “mecca” for bank M&A in Phoenix last week – Acquire or be Acquired. For those in the know – simply AOBA. The chatter at AOBA centered on three important topics: #1: The Breaks.

Taxes 76

Taxes Video Analytics Arkansas 76

Jeff For Banks

JUNE 2, 2023

The old borrow short, lend long strategy. Finally, resolution of failing financial institutions requires that the deposit insurance fund be strongly capitalized with real reserves, not just federal guarantee.” Who would’ve thought lending $1 million to a San Francisco cab driver to buy a house at 100% loan to value would go bad?

FDIC 78

FDIC Community Bank Regulation Lending 78

Lex Sokolin

DECEMBER 25, 2019

Ethereum’s decentralized lending and trading are floating around 2,500 daily users. Notably, the exchanges do differ by where they store data and if/how they form order books. The lending product above is a bit more complicated. Other things like Compound are essentially a securities lending marketplace?—?you

blockchain 52

blockchain Bitcoin Software Lending 52

Fintech Labs Insights

APRIL 13, 2016

Google’s Guide: New Book Explains How Google Manages its Cloud Infrastructure. With Shopify Integration, Thinking Capital Helps Diversify Alt Lending in Canada. PayNearMe facilitates users to pay for their taxes in cash. Crowdfund Insider interviews Cloud Lending CEO Snehal Fulzele. Follow FinDEVr on Twitter.

San Jose 12

San Jose New York Atlanta Lending 12

PYMNTS

DECEMBER 19, 2016

According to Lendingkart Cofounder Harshvardhan Lunia, the company will look to expand its reach in the SME lending market over the next six months by having other banks use its credit risk analytics software. They include cash flow, tax return documents and industry type. Reports Friday (Dec.

Lending 100

Lending Analytics Taxes Capital 100

Independent Banker

FEBRUARY 16, 2015

Sherrod Brown (D-Ohio) appears before ICBA community bankers in 2013 to explain ICBA-backed legislation he co-sponsored that would have increased minimum capital requirements on the country’s very largest banks, as well as provided important regulatory relief for community banks. Richard Shelby (R-Ala.) David Vitter (R-La.)

Community Bank 70

Community Bank Alabama Ohio Community 70

PYMNTS

AUGUST 22, 2016

And he wrote a brilliant book a few years ago on the history of financial crises – “ This Time Is Different.” Its proposed ruling applies such stringent criteria to lenders that it will make it impossible for them to serve the number of customers they do now, since they simply won’t have enough capital to lend money and make a profit.

Payments 100

Payments Bitcoin Cards Taxes 100

Gonzobanker

DECEMBER 19, 2017

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? Executioner’s Tax (Swing of the Ax) – Power Trip.

Conference 101

Conference Industry Community Bank Community 101

CB Insights

OCTOBER 29, 2018

Aside from baffling industry experts as to how the new company would fit into HP’s strategy, it came out in 2012 that Autonomy had cooked its books and had been massively overvalued during the acquisition. Credit Suisse paid nearly three times the book value for DLJ, and got little in return. ” 11. stock-for-stock deal.

Google 76

Google Software Innovation Company 76

CB Insights

MAY 23, 2019

Crescent Ridge Capital Partners’ elaborate Ponzi scheme. Select Investors: AllianceBernstein, Lightspeed Venture Partners, Glade Brook Capital Partners. Select Investors: CapitalG, Goldman Sachs Investment Partners, Pritzker Group Venture Capital. Select Investors: BlackRock, Norwest Venture Partners, Sands Capital.

Fraud 78

Fraud Las Vegas Company Video 78

PYMNTS

DECEMBER 16, 2016

With fewer loans sold into the marketplace, more loans are kept on the books, which means more risk is kept on those books, and less net income, too. Charge-off ratios have remained rather steady as a percentage of the cumulative book, so that is somewhat encouraging.

Lending 100

Lending Online Taxes Capital 100

PYMNTS

APRIL 13, 2020

PYMNTS has studied more than 700 SMBs since March 24 to understand the impact of the pandemic on their operations, the stability of their businesses, their access to cash and working capital, and their efforts to slow their cash burn and pivot their approach if possible. Main Street SMB Economics 101. The operative word here is temporary.

Maine 288

Maine Study Operations Retail 288

PYMNTS

APRIL 25, 2016

Android may be open source, but virtually all of the people who work on it are on the Google payroll and their salaries are coming out of Google’s pocket book. And who can’t get any other people to lend them money on a short-term basis. Otherwise they’ll find something else to do with their capital.

Regulation 100

Regulation Google Course Cards 100

CB Insights

OCTOBER 31, 2017

BTCjam, a P2P marketplace launched in 2012 to borrow and lend using bitcoin, announced the company has made “the difficult decision” to close up shop, according to multiple news sources. The initial 7 years were all about having negative working capital, positive cash flow and a sustained ability to fund our own growth. Product: Bridj.

Company 78

Company US San Francisco Capital 78

PYMNTS

JULY 18, 2016

Lending Club continued to prove there is almost always more to the story, American Express announced a surprise collaboration with Airbnb and PayPal pushed harder into B2B payments. Lending Club’s Latest Bad News. The last several weeks of news for Lending Club suggest that there’s a little of both to be had here.

Lending 100

Lending Payments Metro Cards 100

CB Insights

NOVEMBER 16, 2017

In venture capital, returns follow the power law — 80% of the wins come from 20% of the deals. To do so, we pulled data and information from web archives, books, S-1s, founder interviews, the CB Insights platform, and more. Get the 65-page report on teardowns for Union Square Ventures, Andreessen Horowitz, Sequoia Capital, and more.

Lending 78

Lending Capital Company Google 78

PYMNTS

JANUARY 3, 2017

This growth will ostensibly be spurred by heavy investments in infrastructure and also by tax cuts. But growth also hinges on access to capital, especially for small businesses, which have long been the major drivers of economic output in the United States. It also means less money in the hands of borrowers.

Course 115

Course Capital United States Regulation 115