Remove 2007 Remove Capital Remove Operations
article thumbnail

Should You Be Marking Loans To Market?

South State Correspondent

.” That same adjustment can be applied to banks’ fixed-rate loans for economic value analysis to better understand value creation and allocation, prioritize future business activity, and better deploy capital. It was back in August of 2007 when credit spreads started to widen. Capital got scarce. Fast forward to today.

Marketing 195
article thumbnail

Do large and small banks need different prudential rules?

BankUnderground

We do so using ‘receiver operating characteristic’ – or ‘ROC’ – analysis of simple threshold rules. Prudential regulations were overhauled after the Global Financial Crisis of 2007–08 for the obvious reason that regulators didn’t want the same thing to happen again. For each of the three regulatory ratios we test, we set a threshold.

Insiders

Sign Up for our Newsletter

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

article thumbnail

Commercial Credit Trends – Where to Tread Carefully

South State Correspondent

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. The operative question is when commercial PODs will show a spike. Once again, it is time to play more defense.

Trends 195
article thumbnail

Activist Investor Pushes eBay To Drop StubHub And Classifieds

PYMNTS

eBay bought StubHub for $310 million in 2007, and has tried to expand the franchise overseas with the purchase of Spain’s Ticketbis in 2016. Elliott’s letter to eBay further opined that the eTailer, moving forward, needs to free up capital for investments in operational efficiency and sales growth.

Resources 115
article thumbnail

Bankruptcy Wave Hits Whole Foods Competitors

PYMNTS

Its Chapter 11 filing, according to local reports , has its roots in 2007 when owners the Glickberg family sold an 80 percent stake to private equity firm Sterling Investment for $140 million. Fairway, a 14-store chain in greater New York City, fell victim to a different dynamic: private equity.

article thumbnail

How to develop a sound MBL strategy

Abrigo

From June 2007 to December 2012, MBL volume increased 66 percent, growing from $26.04 It is also necessary for the Board to decide how an MBL strategy fits in to the credit union’s overall strategy including designating resources, ensuring adequate capital levels and determining a safe and sound growth rate. Credit Union Profile.

Strategy 186
article thumbnail

Commercial Real Estate or Business Lending: Which Is Better?

Jeff For Banks

The much sought after "operating account." Two reasons, in my opinion: average balance per account, and operating expense per account. I understand this is financial alchemy, but most of our clients allocate more capital to the business loan because it has less reliable collateral. What does a "full relationship" mean?

Lending 78