BankUnderground

JUNE 9, 2021

‘Zombie lending’ occurs when a lender supports an otherwise insolvent borrower through forbearance measures such as repayment holidays and temporary interest-only loans. In a recent paper , I examine whether these lending practices contributed to the subsequent low output experienced by the euro area. Belinda Tracey.

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Lending Capital Policies Exercises 141

Chris Skinner

MARCH 20, 2017

The article notes that the big American banks control 70% of all US assets, and that this figure has increased 40% since 2008. In the lead up to 2008, parallel to increasing debt levels, the size of banks rose sharply, especially relative to the size of certain economies.

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System US Capital Lending 236

PYMNTS

NOVEMBER 28, 2018

Since the 2008 financial crisis, B2B vendors have essentially morphed into financiers for their own customers, lending out goods and services as they wait months to be paid. When it comes to small business lending, a shift away from making deposits would effect the way financiers mitigate risk and underwrite potential SMB borrowers.

Lending 168

Lending Payments Cards System 168

Bank Innovation

MAY 15, 2016

From then until 2008, you had some appreciation, but not much. You could have bought Priceline stock below $10 in 2001. For many years you had little to show for it. Then the stock shot up above $1,000 (as of writing it is $1,261). Yes that is 100x return from Read More.

Lending 170

Lending Marketing Fintech Capital 170

Abrigo

NOVEMBER 8, 2019

Top down and bottom up analysis can inform capital assessments. Effective stress testing can benefit many different facets of lending, from risk management and strategic decision-making to capital adequacy and liquidity management. Stress testing and capital adequacy. Stress testing and risk management.

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Lending Risk Management Analysis Capital 150

PYMNTS

MAY 31, 2019

The 2008 financial crisis gave rise to the alternative lending market as a result of a massive gap in available capital, especially for small businesses and startups. Alternative finance , for instance, also filled the need for small business borrowers to obtain a faster, digital way to access capital.

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Lending Regulation Capital Industry 130

Abrigo

FEBRUARY 14, 2024

Find commercial real estate risks in the loan portfolio Sound risk management practices in commercial real estate lending help lenders manage CRE credit losses and protect the portfolio's profitability. You might also like this podcast, "How to sleep easier at night about your capital and risk levels."

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Risk Management Management Lending Capital 195

PYMNTS

AUGUST 8, 2017

educated entrepreneurs met while working abroad at Renaissance Capital and Deutsche Bank. As the financial crisis unfolded in 2008, they met to discuss what they saw as the rise of FinTech and the increasing availability of financial software and data. Observing the rise of disruptive companies in Europe and the U.S.,

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Lending Capital Fintech Marketing 105

PYMNTS

JANUARY 29, 2018

The global financial crisis in 2008 was, in many ways, a catalyst to this innovation, especially in the area of small business (SMB) finance, as banks pulled their services away from SMBs and FinTechs stepped in to offer another option. Now, a decade on, small business optimism is up in the U.S.,

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Lending Florida Report Community Bank 116

PYMNTS

APRIL 30, 2020

Some are more exposed to credit card debt and lending to oil and gas companies. banks have stopped lending as much to European businesses as well, showing the home bias that is expected during a financial crisis. Many European banks have reduced lending to oil and gas companies, though. However, U.S. billion for the effort.

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Lending Comparison Regional Capital 188

PYMNTS

JANUARY 7, 2021

Silicon Valley startup Social Finance (SoFi) is closing a merger deal with blank-check firm Social Capital Hedosophia Holdings Corp. Social Capital Hedosophia is one of three special-purpose acquisition companies (SPACs) on the lookout for investment opportunities. V to file an initial public offering (IPO). .

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Samsung Capital Lending Innovation 183

PYMNTS

JANUARY 18, 2017

Misys is offering banking clients access to its P2P lending software, reports said Tuesday (Jan. The financial technology firm revealed it will offer banks access to its peer-to-peer lending technology to help banks compete with younger alternative lenders in the industry.

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Lending Software Online Financial Technology 100

TheGuardian

SEPTEMBER 12, 2024

The regulator said it had made “substantial changes” to earlier proposals, meaning UK banks would not have to set aside as much money for capital buffers as previously planned. Capital buffers provide a financial cushion against risky lending and investments on bank balance sheets. Continue reading.

Capital 85

Capital Lending Regulation System 85

PYMNTS

MARCH 10, 2020

It’s a self-perpetuating scenario that keeps barriers to capital in place. In a recent conversation with PYMNTS, Raghav Mathur, head of data science and analytics at Singapore-based Grab Financial Group , discussed the opportunities in data technology that can address the region’s most pressing SMB lending needs.

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Data Lending Capital social media 193

PYMNTS

OCTOBER 26, 2017

It was the (initially) small FinTech startups that delivered a collective shakeup to the small business (SMB) lending industry. Their next target could be small business lending, and according to some experts, it’s fast approaching the market. New reports in Bloomberg on Wednesday (Oct. We’re starting to see that.”.

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Lending Google Fintech Industry 109

PYMNTS

NOVEMBER 20, 2018

In some areas, the growth in sub-prime lending matches overall growth in the segment, with credit cards and personal loans as the best example. Auto lending saw its sub-prime loans delinquency rate improve by 15 basis points, from 6.9 In fact, that lowering delinquency story was also one that occurred across segments.

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Lending Trends Cards Capital 188

BankUnderground

JULY 20, 2022

In a recent paper we explore the effect on bank lending by combining data on exposure to negative rates with banks’ balance sheets, the Spanish credit register and firms’ balance sheets. This effect was especially strong for undercapitalised banks and lending to risky firms. Why might negative rates work differently?

Policies 109

Policies Lending Capital Study 109

Abrigo

JULY 20, 2021

From leveraging PPP technology to building relationships, reasons for boosting SBA lending are numerous. . Takeaway 2 Far fewer financial institutions regularly participate in SBA (7a) lending than the more than 5,000 that joined the PPP. . Why SBA Lending? Want other articles like this on SBA loan origination in your inbox?

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Lending FDIC Capital Risk Management 195

PYMNTS

SEPTEMBER 14, 2017

In recent years, banks have even seen greater competition in the lending market from new FinTech players that can quickly approve loan applications and distribute funds to lenders. Some of the more prominent names in the marketplaces lending space include OnDeck, Kabbage and Orion First. New tools for new FinTechs.

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Innovation Lending Fintech Bitcoin 191

Abrigo

APRIL 19, 2022

Owners and guarantors may be sources of business capital, but in down economies they become users of business cash flow, depending on their personal and other business obligations. Stay up to date on global cash flow and other lending trends. Lending & Credit Risk. Lending & Credit Risk. Learn More. Learn More.

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Analysis Taxes Lending Examples 195

PYMNTS

JUNE 17, 2020

Participants in the round included Aflac Global Ventures, Poalim Capital Markets, Viola, Oak HC/FT, Harvey Golub (Pagaya board member and former chairman and CEO of American Express), Clal Insurance Ltd., Pagaya , a U.S. GF Investments, and Siam Commercial Bank. But now, businesses have some cautious optimism amid reopening.

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Fintech Lending Security Management 151

Abrigo

AUGUST 30, 2022

You might also like this webinar on commercial lending strategy. The lack of alternative options in a rising-rate environment may be a factor when deciding to expand into commercial lending. CRE Lending. Lending & Credit Risk. CRE Lending. Lending & Credit Risk. Member Business Lending.

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Strategy Lending Risk Management Analysis 195

PYMNTS

AUGUST 21, 2020

The move “will enable it to capitalize on the accelerating transition of millions of bank customers from branch-based activity to digital services during the COVID-19 pandemic,” the news outlet said. JPMorgan Chase plans to launch a digital bank in the United Kingdom early next year, Sky News reported Friday (Aug.

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Report Digital Banking Technology Lending 173

PYMNTS

JANUARY 6, 2020

The 2008 financial crisis gave rise to the alternative lending market as a result of a massive gap in available capital, especially for small businesses and startups. Alternative finance, for instance, also filled the need for small business borrowers to obtain a faster, digital way to access capital. SMBs in the U.S.

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Survey US Capital Lending 130

PYMNTS

SEPTEMBER 24, 2020

The reality is, anyone can give out capital," Shah continued. "It There is growing talk, too, of FIs pulling back from small business loans as they did in the wake of the 2008 financial crisis. It takes something truly special to be a partner with a small business, and that's something community banks have the ability to do.".

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Community Community Bank Regional Lending 193

South State Correspondent

MAY 9, 2023

private and public lending markets are the world’s envy, with a wide availability of financing options for many capital seekers across the entire capital stack. However, the ordinary course of acquisitions and mergers provides a safe and orderly redistribution of capital from underperforming to outperforming managers.

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FDIC Regulation Capital Management 195

Abrigo

MARCH 6, 2015

Thursday also served as a preview for their shareholders of what’s to come next Wednesday, when the Fed announces whether it has approved of each bank’s plans to return some of the reserved capital to shareholders, following the positive results.

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Risk Management Capital Community Bank Regulation 150

PYMNTS

AUGUST 20, 2020

A multitude of SMB investors are looking to help, but lending to digitally focused SMBs comes with its own hurdles, including fraud risks and inefficient lending procedures driven by stiff regulatory measures. SMB Lending Risks. One of the most pressing issues plaguing SMB lenders is the risk of fraud.

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Fintech Fraud Lending Regulation 177

Independent Banker

JUNE 30, 2022

It’s like throwing a rock into a pond when you’re dealing with credit quality issues: The ripple effects are real, leading to issues in all areas of CAMELS (capital adequacy, asset quality, management, earnings, liquidity and sensitivity). And today, CAMELS are a main area of focus for our bank.

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Community Bank Community Lending Training 171

BankUnderground

JANUARY 26, 2022

The 2008 global financial crisis showed the need for effective macroprudential policy. We found that capital requirements reduce the effects of financial shocks. The model also features firms, which borrow from banks to finance their working capital needs and face costs of adjusting prices. Model 2 added capital requirements.

Policies 130

Policies Capital Lending Tools 130

Abrigo

DECEMBER 22, 2023

Read this blog for ten key reports on capital, growth, and liquidity that can help financial institutions identify increased risk and shape strategy in tricky conditions. So how can banks and credit unions quickly spot warning signs so they can act during volatile economic, industry, and institutional conditions?

Risk Management 221

Risk Management Regulation Management Lending 221

South State Correspondent

APRIL 10, 2023

In secondary and tertiary markets, it is only smaller financial institutions lending. CRE Risk Circa 2008 If all this feels too familiar, these are the same conditions that were present in late 2007 when the Fed raised overnight rates from 1.00% to 5.25%, and many financial institutions had a negative market-to-market on their assets.

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Community Bank Community Los Angeles Regional 195

PYMNTS

JULY 30, 2020

Bork will spearhead Sezzle’s enterprise business development efforts, as the company focuses on client acquisition following its recent capital raise. As PYMNTS recently reported , the buy now, pay later (BNPL) firm raised $55 million in its latest capital round. The company offers U.S.

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Minneapolis Leadership Strategy California 145

PYMNTS

JULY 15, 2019

expanded their financing to farming businesses significantly between 2008 and 2015, according to filings with the Federal Deposit Insurance Corporation analyzed by Reuters. billion: the value of JPMorgan’s farm loan portfolio in 2015 , a 76 percent increase from 2008. Capital One Finance Corp. Bankcorp’s declined by 25 percent.

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FDIC Analysis Lending Data 142

PYMNTS

OCTOBER 1, 2019

When the economy crashed in 2008, and fully bottomed out in June 2009 credit across the board froze. While other forms of credit were showing signs of returned in 2014, SMB lending still trailed its 2007 peak by 17 percent. The good news is that the bad news wasn’t worse news — the economy recovered, albeit unevenly and slowly.

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Data Lending Capital Regulation 135

South State Correspondent

AUGUST 16, 2023

New, post-2008 underwriting guidelines are having a positive effect on credit. LTVs remain at elevated levels and slightly above the last record of 2008. Capital rotation is to HELOCs and away from autos. Within autos, the capital rotation is for new cars over used cars. What is different now is elevated auto prices.

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Trends Cards Capital Data 195

PYMNTS

JULY 17, 2019

Financial institutions are in a constant balancing act: open up access to capital for borrowers to promote economic growth and financial inclusion and mitigate against the risk exposure lending produces — sometimes with disastrous implications for the global economy.

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Data Management Analytics Compliance 130