All posts by Guest Contributor
By: Tom Hannagan I have referred to risk-adjusted commercial loan pricing (or the lack of it) in previous posts. At times, I’ve commented on...
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...
We have talked about: the creation of the vision for our loan portfolios (current state versus future state) – e.g. the strategy for moving...
By: Tom Hannagan For the last 16 months or so, the financial services industry has been indicted, tried, found guilty, sentenced and duly executed...
In my last blog, I talked about the overall need for a vision for your loan portfolio and the similarity of a loan portfolio...
By: Tom Hannagan I was hoping someone would ask about this. Return on Equity (ROE) is generally net income divided by equity, while Return...
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...
By: Tom Hannagan In previous posts, we’ve dealt with the role of risk-based capital, measuring performance based on risk characteristics and the need for...
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...
Whenever an industry encounters problems, the natural tendency is to play the blame game. In the banking industry, credit risk managers are looking for...
By: Tom Hannagan In my last post, I addressed the need for banks to advance their management of risk to include the relationship between capital...