Stress Testing Now Being Applied to Loan Underwriting Models
May 12, 2009
Consulting Management Platform | www.financialexpress.com
Just as stress tests have now been applied to the top banks. New stress tests or shock measurements are now being built into a number of consumer, business and commercial real estate automated loan platforms Regardless of being a small FI or a supoer regional or a national new loan underwriting variance or shck/stress testing parameters are being incorporated in vendor and proprietary loan models The end result is a more clear predictive laon recomendation or outcome that will establish worset case repayment senarios on a loan by loan. loan priduct and portfolio segmenation basis.
Residential Mortgage Application Market Still Dominated By Fear
May 11, 2009
Abbey says mortgage market is set to grow | www.timesonline.co.uk
We are clearly at the trough of this cycle. Except for some speed bumps ahead which will all be different in size and lenght we have some time before we see a ramp up. Consumer skepticism in the existing and new housing market still dominated by consumer fears of job stabiity and housing prices.
April 16, 2009
happiness index: nebraska nabs top spot | news | money/investing | mainstreet | www.mainstreet.com
Similar to financial sectors, each US State will have its own pace of recovery.
April 16, 2009
ING to shed €8 billion of assets | business.timesonline.co.uk
During the previous several years, ING has presented good saving values in front of the US consumer, via their ING Direct operation. Their advertisements have presented a healthy image of saving money for the future, as well as FDIC insured deposits.
$77 BILLION FED speculation - $1 BILLION equity market cap speculation
April 13, 2009
$77 billion more to bail out bankrupt gm? | www.dailyfinance.com
Current $77 BILLION FED speculation - $1 BILLION equity market cap speculation places General Motors as risky as the lottery.
GM stock shares still receiving bids with bankruptcy prep
April 7, 2009
gm in "intense" bankruptcy prep: source | www.reuters.com
Our Private Equity firm has experienced tremendous (during the recent trailing 12 months) equity stripping (by market conditions and government interventions), and has left us wondering why would General Motors (GM), a bankruptcy candidate still receive bids? Twenty-Seven (27) millions shares trading as of 3:15 pm eastern. On the other hand Ford (F) shares have rallied (Ninety-Eight (98) million shares trading today) during the recent months and makes more sense for share accumulation, since they rejected TARP funds and have been executing a recovery plan for several years.
April 7, 2009
Taxpayers take 70% of Royal Bank of Scotland | business.timesonline.co.uk
When the take of 70% of anything, including Royal Bank of Scotland's taxpayers take of the equity shares - you own it, others are along for the ride.
Deposit Rates Inch Up on All Products Across all Financial Service Markets
April 1, 2009
Top savings rates rise as banks step up competition | www.ft.com
The competition between Banks, Thrifts, Credit Unions, Internet offerings and almost any deposit based institution has started to heat up in the US as well. Deposit rates tumbled across the product spectrum. A plethora of products contracted down to a handful. The expertise and talent in asset liability management (ALCO) of all Financial Institutions (FI's) became the new focus of bankers worldwide wether they had a handle on it or not.
March 31, 2009
fdic: 2009 budget executive summary | www.fdic.gov
The strength of a properly estimated budget, and the conviction to execute within budget sends a strong positive fiscal message.
March 30, 2009
text - president obama's remarks on u.s. car industry� | uk.news.yahoo.com
The US president obama's remarks on u.s. car industry has given the green light to the future way of making automobiles.
E-Insurance: When will the insurance industry adopt modern communication tools?
February 14, 2012
ATMs could distribute prepaid Visa cards
January 23, 2012
PayPal can thrive as a standalone company
January 9, 2012
Europe's CO2 Emissions Trading System works, but it can be improved
December 16, 2011
European women wonder why their insurance premiums will increase
December 15, 2011