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By: Tom Hannagan Here’s a further review of results from the Uniform Bank Performance Reports, courtesy of the FDIC, through the third quarter of...
By: Tom Hannagan I reviewed the Uniform Bank Performance Reports (UBPR: (http://www2.fdic.gov/ubpr/ReportTypes.asp ) for selected clients through the third quarter of this year. The...
By: Tom Hannagan For the last 16 months or so, the financial services industry has been indicted, tried, found guilty, sentenced and duly executed...
We get the following question quite a bit: Would the regulators expect to see a log of detected activity and resulting mitigation? Short answer:...
It is the time of year during which budgets are either in the works or have been completed. Typically, when preparing budgets, we project...
By: Tom Hannagan In several posts we’ve discussed financial risk management, the role of risk-based capital, measuring profitability based on risk characteristics and the...
The pendulum has definitely swung back in favor of the credit discipline within financial institutions. The free wheeling credit standards of the past have...
Just as with diet recommendations, moderation needs to be the new motto for credit risk management. Diets provide for the occasional bag of chips...
By: Tom Hannagan The problem in the 2005 to 2007 home lending frenzy was not just granting credit to anyone who applied. It was...
By: Tom Hannagan Much of the blame for the credit disaster of 2007 and 2008 has been laid at the risk management desks of...
We know that financial institutions are tightening their credit standards for lending. But we don’t necessarily know exactly how financial institutions are addressing portfolio risk...
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