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Food for Thought: A Policy on Credit Exceptions

Abrigo

As the FDIC said recently: Exceptions to policy should be few in number and properly justified, approved, and tracked. and property tax payments. a significant capital injection into the borrower, or other collateral such as liquid assets). Get details in "A guide to implementing credit policy."

Policies 195
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The Current Banking Crisis – 10 Not So Apparent Lessons

South State Correspondent

It turns out that confidence is more valuable than capital. Percentage of Uninsured Deposits: At the time of failure, SVB had approximately 88% of their deposits above the FDIC-insured $250k limit and ran at 95% at the end of last year. The ratio would provide a bank’s current core capital position to risk-adjusted assets.