PYMNTS

JANUARY 6, 2020

According to the survey, while revenues grew for most, the percentage of firms operating at a profit remained unchanged from the previous year’s report. 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.

Survey 130

Survey US Capital Lending 130

Jeff For Banks

AUGUST 3, 2020

It's what we did in 2008-10. Capital aplenty. Unlike 2008, banks were not the bane of our problems. In 2008, we were in the eye of the storm. Do we want to pass on the opportunity to operate with fewer, yet more capable (and therefore higher compensated) employees? And we were successful. Record earnings.

Community Bank 88

Community Bank Community Capital Analytics 88

PYMNTS

APRIL 3, 2020

The market capitalization of Expedia was down 58 percent, Hilton, 44 percent and Booking.com 37 percent. The Silicon Valley startup unicorn was founded in 2008 by Brian Chesky, Joe Gebbia and Nathan Blecharczyk. Bookings were off up to 90 percent in particularly hard-hit regions, data from independent monitoring firm AirDNA indicated.

Regional 140

Regional Meeting Capital Report 140

PYMNTS

JULY 7, 2020

and other nations around the world as a result of the global pandemic continues to draw comparisons to the 2008 financial crisis — so it’s only natural that analysts may turn to the past in an effort to predict what could lie ahead. The level of market volatility hitting the U.S. ” A Banking Pullback?

Lending 171

Lending Industry Fintech UX 171

Abrigo

JULY 20, 2024

Takeaway 3 To fully capitalize on the forthcoming C&I wave, institutions need the right products, systems, people, and technology. 2004-2008: 82.6% The emphasis for commercial credit risk management and evaluation is cash flow, fixed charges coverage, and working capital cycles. C&I lending will be the next “bomb.”

Lending 195

Lending Risk Management Management Capital 195

Abrigo

DECEMBER 22, 2023

Those read most often in the past year include several that offer practical advice for operating ALM and CECL models. 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.

Risk Management 221

Risk Management Regulation Management Lending 221

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.

Community Bank 171

Community Bank Community Lending Training 171

PYMNTS

MARCH 10, 2020

It’s a self-perpetuating scenario that keeps barriers to capital in place. In Southeast Asian markets, banks’ lack of adequate data on SMB loan applicants is perhaps the tallest barrier to connecting SMBs to capital in the region. In exchange, Grab gains greater visibility into SMB operations and performance. “By

Data 193

Data Lending Capital social media 193

Jeff For Banks

APRIL 30, 2022

The much sought after "operating account." By the time the FF hit zero at the end of 2008, CRE was the last product standing. Two reasons, in my opinion: average balance per account, and operating expense per account. What does a "full relationship" mean? I thought, business loan plus a business checking account. CRE still wins.

Lending 78

Lending Massachusetts Taxes Community Bank 78

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. Interest rates' historic lows are adding pressure on small banks to continue operating, noted Shah. Fueling Small Business Recovery.

Community 193

Community Community Bank Regional Lending 193

PYMNTS

NOVEMBER 16, 2017

Put a different way: If you open a country’s financial markets, will the (foreign) banks bring the capital? Consider the fact that the big players in Western banking, which had built up holdings in Chinese financial firms, had to sell their stakes in the aftermath of the 2008 financial crisis.

Marketing 101

Marketing Capital Lending Course 101

PYMNTS

JULY 23, 2018

The Hackett Group released its annual Working Capital Performance of Top U.S. corporates’ working capital performance. showed their strongest performance in working capital management since 2008. Companies report last week, signaling strength in U.S. Those top performers also collect from customers 2.7 weeks faster.

Payments 101

Payments Capital Strategy Groups 101

PYMNTS

JUNE 18, 2019

The growth path of the company in addition to the larger opportunity in social media helped it get acquired by AOL for approximately $850 million in 2008. The company was sold to Criterion Capital less than two years after, and the Birches purchased it for $1 million in 2013.

social media 108

social media Millennials Video Report 108

PYMNTS

JUNE 2, 2020

The first two show households have seen reductions in income and most businesses do not expect to resume full operations for six months. Census Bureau — the Household Pulse Survey , the Small Business Pulse Survey and the Business Formation Statistics report. Brookfield is targeting $5 billion to be put toward the fund.

Retail 131

Retail Groups Washington Survey 131

PYMNTS

FEBRUARY 22, 2019

has reached pre-2008 levels, meaning banks are facing risk that is elevated above what has been seen since the financial crisis. “If operating conditions in the U.S. According to recent data from Moody’s investor services, corporate leverage in the U.S. economy will remain largely unchanged during that time period.

Lending 116

Lending Marketing Capital Maine 116

South State Correspondent

NOVEMBER 7, 2022

.” 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. Banks had enough liquidity so it didn’t really matter in terms of day-to-day operations. Capital got scarce.

Marketing 195

Marketing Community Bank Community Security 195

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

PYMNTS

NOVEMBER 12, 2020

In the wake of the 2008 global financial crisis, new FinTechs surfaced to facilitate various forms of financing to small businesses as traditional banks pulled back from the market. Entities in the distribution and logistics space operate with low margins thanks to high upfront costs like drivers, fuel and vehicle maintenance.

Marketing 160

Marketing Industry Lending Fintech 160

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.

Data 130

Data Management Analytics Compliance 130

PYMNTS

OCTOBER 1, 2019

When reverse factoring is used to “stretch working capital,” Moody’s said, or when a customer’s credit quality degrades, risks can mount. The publication added that Greensill Capital, headed by Lex Greensill has played a key role in GFG’s financing strategy. Supply Chain Financing Scrutiny Grows.

Tools 160

Tools Capital Strategy Lending 160

PYMNTS

NOVEMBER 3, 2020

In particular, FLEETCOR is looking for companies to strengthen its position in the fuel, tolls, lodging, and payables spaces, and for companies operating in new regions. Access to capital hasn’t been this tight since the market meltdown of 2008, so motivated players are finding better, faster ways of moving B2B funds especially.

eBook 141

eBook Payments Regional Company 141

PYMNTS

JULY 2, 2019

The 2008 global financial crisis forced traditional banks to pull back from small businesses (SMBs) considered too risky and unprofitable to finance, leaving a gap in the market for alternative lenders and FinTech firms to fill.

Fintech 125

Fintech Resources Capital Trends 125

PYMNTS

MAY 29, 2019

Further enhancements to resolution requirements, also resulting from the financial crisis, have also played a part in promoting the resiliency of the global banking sector, yet with the unintended consequence of restricted access to capital for some borrowers, including small businesses. “Why is this so significant?”

Regulation 108

Regulation Compliance Capital Resources 108

PYMNTS

DECEMBER 21, 2016

The letter, which includes a statement about “sales misses” and “very disappointing” third quarter results, said that the brand “will require that the company be sold, or we will have to wind down our operations due to an anticipated lack of operating capital.”

Ohio 100

Ohio Columbus Branding Retail 100

PYMNTS

OCTOBER 5, 2016

Labor saving devices and minimum wage hikes from 2000 to 2008 did not result in a significant drop in the food service sector, according to DePaul University and the Federal Reserve Bank of Chicago. As a result, most operators do not want to assume the investment risk. Jobs in the leisure industry will increase by 0.6

Chicago 161

Chicago National Industry Operations 161

BankUnderground

FEBRUARY 16, 2021

Following the 2007/2008 global financial crisis, international regulators introduced a package of new banking regulations, known as Basel III. This includes a wider range of capital and liquidity requirements to protect banks from different risks. All else equal, it asks banks to have more capital if they perform riskier activities.

Regulation 111

Regulation Capital Examples Policies 111

PYMNTS

SEPTEMBER 12, 2018

Small businesses (SMBs) frequently cite cash flow crunches and the struggle to access capital as key hurdles to the success of their business. Caicedo said the company’s work with BTG is in an effort “to provide big corporate suppliers with capital costs that are similar to if they were big corporations.”

Data 101

Data Strategy Operations Capital 101

PYMNTS

APRIL 25, 2017

and Australia, looks to grow its retail categories and the number of markets, as well as streamlining its eCommerce operations. A marketplace model allows us to do this without substantial capital investment in manufacturing, warehousing or logistics, because products are held and delivered directly by our sellers.”.

Online 100

Online Retail Branding US 100

Abrigo

JULY 20, 2021

I’d say do it right now.” Wear noted that in the 2008 financial crisis, when the SBA similarly increased guarantees of 7(a) loans to 90%, it ran out of funding before the end of the fiscal year. “I Export Working Capital loans are up to $5 million and are for terms of up to 12 months. We know 2020 stunk,” he said. “As

Lending 195

Lending FDIC Capital Risk Management 195

Abrigo

JULY 20, 2021

I’d say do it right now.” Wear noted that in the 2008 financial crisis, when the SBA similarly increased guarantees of 7(a) loans to 90%, it ran out of funding before the end of the fiscal year. “I Export Working Capital loans are up to $5 million and are for terms of up to 12 months. We know 2020 stunk,” he said. “As

Lending 195

Lending FDIC Capital Risk Management 195

PYMNTS

AUGUST 20, 2020

million SMBs operate across the country and account for 64 percent of new jobs. Only 35 percent of such businesses make it past their first decade in operation. The 2008 recession resulted in government regulators tightening the standards for creditworthiness, increasing the amount of checks that lenders must undergo to approve loans.

Fintech 177

Fintech Fraud Lending Regulation 177

BankUnderground

JUNE 9, 2021

Several authors have argued that zombie lending to inefficient firms is not just a by-product of economic conditions but has in fact hampered the economic recovery in the euro area in recent years (see Acharya et al (2019) , Blattner et al (2018) and Caballero et al (2008) ). This is the net result of two effects.

Lending 141

Lending Capital Policies Exercises 141

Gonzobanker

JULY 10, 2020

Regardless of their viewpoints on capital recovery, now is the time for banking leaders to reevaluate their planning strategies. In a recent Fortune survey, 55% of corporate executives said they expect to return to 2019 capital spending levels sometime in 2021. What businesses need capital in the interim? Capital will be king!

Risk Management 88

Risk Management Capital Strategy social media 88

BankUnderground

OCTOBER 13, 2022

Addressing this in the conventional financial system was part of the post 2008 crisis response. Collateral effects also operate in the other direction. Rehypothecation by shadow banks and others was identified as a problem after the 2008 crisis by Singh and Aitken and others.

cryptocurrency 135

cryptocurrency System Bitcoin Policies 135

BankUnderground

FEBRUARY 5, 2021

Positive liquidity shocks – that is, a loosening of global funding market conditions – have led to exchange rate appreciations, reductions in long-term bond yields, stock market booms, and increased gross capital flows to EMs ( Bhattarai et al (2018) ). Chart 1: Event study results: cumulative percentage change in EM interbank rates.

Marketing 134

Marketing Policies Study Tools 134

PYMNTS

MARCH 27, 2019

Dries Verboven, market manager of regulatory reporting at Wolters Kluwer Finance, Risk & Reporting, says it’s all about data, which is both the key to regulatory compliance, and to a more efficient and profitable operation for the entire institution. From Burden To Opportunity.

Compliance 116

Compliance Data Regulation Analytics 116

BankUnderground

AUGUST 10, 2021

We do so using ‘receiver operating characteristic’ – or ‘ROC’ – analysis of simple threshold rules. To make sure banks hold more capital when they take on more risk, Basel III made changes to how risk weighted capital ratios are calculated. Do prudential regulations that work well for big banks work as well for small ones?

Regulation 137

Regulation Capital Policies US 137