| Similar Articles |
|---|
 |
HBS Working Knowledge
August 4, 2014 |
Why Small-Business Lending Is Not Recovering Lending to small businesses has not returned to levels seen before the financial crisis. Karen Mills, former head of the US Small Business Administration, explains the reasons.   |
U.S. Banker
November 2009
John Engen |
CRE Stress Another Test in Balancing Interests Commercial real estate loans are viewed as a time bomb, but will stricter exams threaten the industry's - and the economy's - recovery? |
National Real Estate Investor
February 1, 2007
Ben Johnson |
Small Banks, Big Risks In the new era of commercial real estate lending, federal regulators are pressuring even the smallest banks to upgrade their portfolio analysis capabilities to avoid the pitfalls of past downturns. |
Bank Systems & Technology
June 24, 2008
Ann Grochala |
In the Aftermath of the Credit Crisis, Some Banks See a Silver Lining The current problems in the credit markets bring both challenges and opportunities to banks. Many community banks still have plenty of liquidity and capital, and they all have ready access to the Federal Home Loan Bank system. |
U.S. Banker
July 2010 |
Bring in the New: The Case for More Startup Banks De novo banks have a number of advantages established banks don't, namely the ability and proclivity to lend in the current shy-to-lend climate and easier adoption of current technology. |
The Motley Fool
July 27, 2011
Matt Koppenheffer |
1 Big, Fat Yellow Flag for Bank Stocks Bank-stock investors will want to investigate this ratio because it could help drag down a bank's earnings. |
OCC Bulletin
May 16, 2005 |
Home Equity Lending Guidance on regulatory expectations for credit risk management and practices. |
The Motley Fool
June 17, 2010
Patrick Chovanec |
The World's Largest IPO, and What It Means for China A closer look a last week's plunge in Chinese bank stocks, and the anticipated IPO of Agricultural Bank of China. |
U.S. Banker
January 2011
Scott Anderson |
Short-Term Gain, Long-Term Pain The Fed s plan to buy $600 billion of Treasury bonds might boost demand for loans, but this latest round of quantitative easing could hamper bank profitability and continue to restrain the economic recovery. |
Bank Director
4th Quarter 2010
Jack Millligan |
A Short Leash on Risk Bankers all across the country are beginning to tighten up their lending practices as a response to the regulatory pressure they are under to keep lending plain, conservative, and firmly under control. |
FDIC FYI
April 11, 2002 |
Economic Conditions and Emerging Risks in Banking The report describes recent signs of a consumer-led recovery in the U.S. economy that may have begun in the first quarter... |
HBS Working Knowledge
August 28, 2014 |
Government Can Do More to Unfreeze Small Business Credit In part three of her series on the state of small-business lending, Karen Mills discusses how public-private partnerships and government guarantee programs have the potential to enhance economic growth. |
U.S. Banker
August 2008
William M. Aukamp |
Real-Estate Trouble: It's DeJa Vu It seems that periodically banks get clobbered by the real-estate market. Given the periodic problems in real-estate lending, perhaps banks should consider having a real estate professional on the board. |
U.S. Banker
July 2009
Andrew Dubinsky |
Electronic Lending Could Help Avert Another Crisis If regulators had the tools in place to effectively view complex debt instruments and the links between the financial institutions that securitize, hold, and insure them this crisis may not have happened. |
FDIC FYI
August 29, 2002 |
Strong Bank Earnings Reflect Nature of U.S. Downturn Second quarter 2002 earnings results for commercial banks show that the benefits of a steep yield curve continue to outweigh the costs of higher credit losses. |
OCC Bulletin
December 6, 2006 |
Concentrations in Commercial Real Estate Lending, Sound Risk Management Practices This Interagency Guidance describes sound risk management practices that will enable institutions to pursue CRE lending in a safe and sound manner. |
U.S. Banker
January 2011
Alan Kline |
Common-Sense Ideas for Consumer Lending Even the smallest consumer loan requires almost as much documentation as a $250,000 business loan, and it's only going to get worse under Dodd-Frank. |
Commercial Investment Real Estate
Nov/Dec 2009
Steve Bram |
Capital Markets Conundrum Are there viable solutions to today's financing puzzle? |
The Motley Fool
February 1, 2010
Morgan Housel |
Banks Aren't Lending? Says Who? The popular chant that "banks aren't lending, banks aren't lending!" is grossly misconstrued. |
U.S. Banker
August 2008
John Engen |
The Other Shoe... A commercial real estate fallout promises to be far more devastating than the subprime crisis, because this market is so much more pervasive - a linchpin business for so many institutions, including most community banks. |
FDIC FYI
January 29, 2003 |
Payday Lending Some insured depository institutions have failed to properly assess and control the risks associated with their payday lending programs. The consequences of deficiencies in risk management practices for payday lending programs can be severe. |
U.S. Banker
April 2011
Hugh Kelly |
There They Go Again? Banks opening the spigot for commercial real estate lending are not as foolhardy as some critics contend. |
BusinessWeek
October 28, 2010
Steve Matthews |
It's Getting Easier to Get a Loan Banks, though still stingy, are starting to lend, even to small businesses. |
CFO
December 1, 2003
Randy Myers |
Basel's New Balance A new accord may soon help banks lend more for less. |
U.S. Banker
February 2010
Rob Garver |
What Now? If Washington really wants to get credit flowing to small businesses, it could modify TARP, relax capital requirements and rethink its stance on industrial loan companies. Or it could do nothing at all. |
U.S. Banker
June 2008
Joseph Rosta |
Credit Freeze Spreads Beyond Loan Market The credit crunch is now freezing up commercial credit lines, letters of credit and revolving credit. |
FDIC FYI
February 27, 2002 |
Loan Weakness Spreads; Banks' Defenses Hold Large banks' business loans have been hit hardest by the recession, but some weakening is now appearing for smaller banks and for other kinds of loans... |
Commercial Investment Real Estate
Jan/Feb 2014 |
Lending Decisions During the past three decades, community banks have substantially increased their presence in commercial real estate lending, according to a 2012 FDIC Community Banking Study. |
U.S. Banker
June 2006
Lee Conrad |
Banks Vent Rage Over Commercial RE Loan Rule Banks, in an uproar over regulators' proposal that warns those with high concentrations of commercial real-estate loans may have to raise their capital reserves, worry that new regulations will eat into their bottom line. |
U.S. Banker
July 2010 |
Why We Don't Need Any More Bank Charters Unless bank organizers can make a compelling case that consumers and business owners aren't being served by existing banks, regulators should continue to clamp down on new charters. |
The Motley Fool
June 22, 2010
Matt Koppenheffer |
The Banks You Ought to Fear Focusing on big institutions may obscure banking's real, ongoing problems. |
Commercial Investment Real Estate
Sep/Oct 2013
Jeff Rauth |
Follow the Money What are today's most financeable deals? Several market forces currently at work foretell a stronger lending environment in the next 12 to 18 months. |
HBS Working Knowledge
September 22, 2014
Karen Mills |
Online Banks Fill Funding Needs for Small Business In the final column on small business lending, the author is optimistic that the rise of alternative online banks can fund entrepreneurial business growth. |
U.S. Banker
April 2011
Barbara A. Rehm |
Excess of Reserves, Shortage of Facts The Fed alone - not actions by banks - dictates how large the reserve number is. And it is the Fed s expansion of its balance sheet that has ballooned reserve levels at banks. |
The Motley Fool
June 24, 2010
Matt Koppenheffer |
Should You Buy Bank Stocks? Let's see if there are banks worth buying today. |
U.S. Banker
May 2010
Michael Sisk |
An Uneasy Relationship Thanks to some high-profile community bank failures, small banks can t get loans from correspondent banks, threatening their own ability to lend. |
The Motley Fool
January 27, 2009
Ivan Martchev |
Catch-22: Why Banks Can't Lend Lots of banks aren't willing or able to help kick-start the economy that would bring them back to health. |
OCC Bulletin
October 13, 1999 |
Interagency Guidelines for Real Estate Lending Policies New guidelines discuss the credit risks associated with high loan-to-value residential real estate lending and remind national banks that the 1992 Interagency Guidelines for Real Estate Lending Policies apply to these transactions... |
BusinessWeek
April 17, 2008 |
The Story of Basel II So Far... A chronological look at the Basel II banking accord since its inception in 2004. |
FDIC FYI
November 4, 2003
Puwalski & Williams |
Economic Conditions and Emerging Risks in Banking The two main economic concerns of the past two years, a lack of new jobs and lackluster business investment, finally appear poised to subside. |
FDIC FYI
June 23, 2003 |
How Long Can Bank Portfolios Withstand Problems in Commercial Real Estate (CRE)? This article reviews the declining fundamentals in U.S. office markets and offers reasons why CRE loan performance has remained strong at FDIC commercial banks. The key question going forward is how long bank CRE portfolios will remain strong in the face of weak market fundamentals. |
U.S. Banker
August 2010
Paul Davis |
Bucking the C&I Crowd Despite the battering banks have taken in commercial real estate, some large players are wading back into a CRE pool drained of competitors. |
BusinessWeek
April 17, 2008 |
The Lowdown on Basel II Its No. 1 goal is to smooth out financial crises, and its main method is fine-tuning banks' capital requirements. |
U.S. Banker
December 2010
Rob Garver |
SBA Aims to Attract More Banks The lower fees and higher guarantees enacted for the government s small-business lending programs have some in the industry optimistic that interest by banks might surge. |
BusinessWeek
August 27, 2009
James C. Cooper |
Business Outlook: Why Credit Growth Remains Slow Banks are still skittish about offering credit, and households and companies remain reluctant to borrow, creating drags on the recovery. |
The Motley Fool
May 9, 2011
Cindy Johnson |
Are Banks Starting Another Race to the Bottom? Easier credit standards are being driven by competition to lend. |
BusinessWeek
December 17, 2009 |
The Federal Dilemma Here's why it will be difficult for the Obama Administration to get banks to boost lending |
FDIC FYI
November 26, 2002 |
Quarterly Banking Profile Commercial Banking Performance, Third Quarter 2002 Gains on securities sales keep earnings near record level... Weakness in overseas operations limits industry profits... Margins improve at community banks, decline at larger institutions... Strong mortgage demand fuels growth in loans... Asset-quality problems continue to grow at large banks |
Commercial Investment Real Estate
Mar/Apr 2012 |
Capital Markets 2012 Many economic issues converged late last year to slow commercial real estate's recovery. |
U.S. Banker
May 2008 |
As the Credit Crisis Grinds On, Lending Falls Off the Cliff The current climate for loan production might not be Great Depression 2.0, but try telling that to someone with less than perfect credit. |
