An Analysis Of The Impact Of The Commercial Real Estate Concentration Guidance

Author : Office of Office of the Comptroller of the Currency
Publisher : CreateSpace
Page : 26 pages
File Size : 55,7 Mb
Release : 2015-01-01
Category : Electronic
ISBN : 150339638X

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An Analysis of the Impact of the Commercial Real Estate Concentration Guidance by Office of Office of the Comptroller of the Currency Pdf

This paper analyzes aspects of the interagency guidance issued in 2006, titled "Concentrations in Commercial Real Estate Lending, Sound Risk Management Practices."1 The recent financial crisis and recession provide an opportunity to consider the relationship between the guidance and banks' commercial real estate (CRE) concentrations and performance during the downturn. This paper also analyzes how the share of banking institutions with high levels of CRE concentration, as defined in the guidance, has changed over time (part 2); documents the effect of CRE concentrations on bank failures (part 3); and studies CRE loan growth and bank capital strength since the 2006 issuance of the guidance (part 4).

Author : Anonim
Publisher : DIANE Publishing
Page : 68 pages
File Size : 47,7 Mb
Release : 2024-06-29
Category : Electronic
ISBN : 9781437986198

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Banking Regulation: Enhanced Guidance on Commercial Real Estate Risks Needed by Anonim Pdf

Author : International Monetary Fund. European Dept.
Publisher : International Monetary Fund
Page : 72 pages
File Size : 47,8 Mb
Release : 2016-07-28
Category : Business & Economics
ISBN : 9781475517828

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Ireland by International Monetary Fund. European Dept. Pdf

This Selected Issues paper reviews public expenditure efficiency in Ireland. Evidence suggests that while Ireland is a low spending country, it achieves a generally efficient use of public funds, with some key differences across sectors. Although the overall space for budgetary savings appears limited, further spending efficiency could help contain cost pressures coming from the demographic challenge of an aging population and improve the quality of public services. It could also help rechannel spending toward more productive uses, for instance by increasing public investment relative to current expenditure, and support the competitive position of the Irish economy and its growth potential.

Author : Bruce G. Stevenson
Publisher : Gatekeeper Press
Page : 447 pages
File Size : 51,5 Mb
Release : 2024-03-07
Category : Business & Economics
ISBN : 9781662941986

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Credit Crises by Bruce G. Stevenson Pdf

Credit crises are catastrophic events in which banks and lenders suffer extreme losses when loans and other credit instruments default on a large scale and cause banks to fail in extraordinary numbers. Massive loss of economic value ensues, threatening the viability of national economies and the global financial system. The most recent credit crises, the 2007 Subprime Mortgage Crisis and 2007-2009 Great Recession, have striking parallels to the Roaring Twenties and the Great Depression. In both periods, rapid increases in the value of residential real estate fueled speculation in the housing and equity markets, and when the real estate bubbles burst, massive recessions and unemployment followed. In the eighty years between these catastrophes, several other credit crises occurred including a real estate investment trust crisis in the mid-1970s and a commercial real estate crisis in the late 1980s and early 1990s. Credit Crises: The Role of Excess Capital provides the first definitive explanation for these repetitive catastrophes: the Excess Capital Hypothesis (ECH). Written for bankers, bank regulators, finance professionals, and policymakers, Credit Crises provides a detailed explanation of how excess capital has been the driver of past credit crises. The ECH is the definitive roadmap for mitigating credit crises, and Credit Crises offers recommendations to bankers, bank regulators, and policymakers on how to prevent and lessen future crises.

Author : United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit
Publisher : Unknown
Page : 474 pages
File Size : 52,8 Mb
Release : 2007
Category : Law
ISBN : PSU:000060843395

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A Review of Regulatory Proposals on Basel Capital and Commercial Real Estate by United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit Pdf

Author : Anonim
Publisher : DIANE Publishing
Page : 474 pages
File Size : 45,7 Mb
Release : 2024-06-29
Category : Electronic
ISBN : 1422323544

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Review of regulatory proposals on Basel capital and commercial real estate : hearing by Anonim Pdf

Author : International Monetary Fund
Publisher : International Monetary Fund
Page : 92 pages
File Size : 41,8 Mb
Release : 2021-04-06
Category : Business & Economics
ISBN : 9781513569673

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Global Financial Stability Report, April 2021 by International Monetary Fund Pdf

Extraordinary policy measures have eased financial conditions and supported the economy, helping to contain financial stability risks. Chapter 1 warns that there is a pressing need to act to avoid a legacy of vulnerabilities while avoiding a broad tightening of financial conditions. Actions taken during the pandemic may have unintended consequences such as stretched valuations and rising financial vulnerabilities. The recovery is also expected to be asynchronous and divergent between advanced and emerging market economies. Given large external financing needs, several emerging markets face challenges, especially if a persistent rise in US rates brings about a repricing of risk and tighter financial conditions. The corporate sector in many countries is emerging from the pandemic overindebted, with notable differences depending on firm size and sector. Concerns about the credit quality of hard-hit borrowers and profitability are likely to weigh on the risk appetite of banks. Chapter 2 studies leverage in the nonfinancial private sector before and during the COVID-19 crisis, pointing out that policymakers face a trade-off between boosting growth in the short term by facilitating an easing of financial conditions and containing future downside risks. This trade-off may be amplified by the existing high and rapidly building leverage, increasing downside risks to future growth. The appropriate timing for deployment of macroprudential tools should be country-specific, depending on the pace of recovery, vulnerabilities, and policy tools available. Chapter 3 turns to the impact of the COVID-19 crisis on the commercial real estate sector. While there is little evidence of large price misalignments at the onset of the pandemic, signs of overvaluation have now emerged in some economies. Misalignments in commercial real estate prices, especially if they interact with other vulnerabilities, increase downside risks to future growth due to the possibility of sharp price corrections.

Author : United States. Congressional Oversight Panel
Publisher : Unknown
Page : 182 pages
File Size : 45,8 Mb
Release : 2011
Category : Business & Economics
ISBN : MINN:31951D032486748

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Commercial Real Estate's Impact on Bank Stability by United States. Congressional Oversight Panel Pdf

Author : United States. Congress. House. Committee on Financial Services
Publisher : Unknown
Page : 214 pages
File Size : 45,9 Mb
Release : 2009
Category : Business & Economics
ISBN : UOM:39015090375174

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Exploring the Balance Between Increased Credit Availability and Prudent Lending Standards by United States. Congress. House. Committee on Financial Services Pdf

Author : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on Securities, Insurance, and Investment
Publisher : Unknown
Page : 184 pages
File Size : 44,8 Mb
Release : 2009
Category : Business & Economics
ISBN : UOM:39015090376693

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Lessons Learned in Risk Management Oversight at Federal Financial Regulators by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on Securities, Insurance, and Investment Pdf

Author : Anonim
Publisher : Unknown
Page : 280 pages
File Size : 44,6 Mb
Release : 1964
Category : Marketing
ISBN : STANFORD:36105210309691

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Marketing Information Guide by Anonim Pdf

Author : Anonim
Publisher : Lulu.com
Page : 294 pages
File Size : 44,7 Mb
Release : 2004
Category : Bank capital
ISBN : 9789291316694

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International Convergence of Capital Measurement and Capital Standards by Anonim Pdf

Author : David Geltner
Publisher : Thomson South-Western
Page : 848 pages
File Size : 52,8 Mb
Release : 2007-01-01
Category : Commercial real estate
ISBN : 032438212X

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Commercial Real Estate Analysis & Investments by David Geltner Pdf

The well-known and respected authorship team of Geltner and Miller bring you a new edition of what has become the undisputed and authoritative resource on commercial real estate analysis and investment. Streamlined and completely updated with expanded coverage of corporate and international real estate investment, this upper-level real estate text presents the essential concepts, principles and tools for the analysis of commercial real estate (income producing) from an investment perspective. Once again, COMMERCIAL REAL ESTATE ANALYSIS AND INVESTMENTS, 2e, bridges the gap between mainstream finance and the current cutting edge of professional real estate practice, in order to address the implications of their key differences. This new edition continues to integrate relevant aspects of urban and financial economics to provide users with a fundamental analytical understanding and application of real estate investments – now using a student version of ARGUS® software on CD-ROM included with the book. ARGUS software is a Windows-based program used extensively throughout the real estate investment industry to solve complex investment and valuation problems. Also included free on CD is a student version of Crystal Ball®, professional-grade software used to perform risk analysis on commercial investments.Contributing author Piet Eichholtz from the University of Maasstricht contributes an entire chapter that explores international real estate investments, both opportunistically and structurally, by outlining elements for developing and implementing real estate investments successfully abroad. Jim Clayton from the University of Cincinnati thoroughly revised and updated the finance coverage and end-of-chapters questions throughout. In this edition Geltner and Miller enhance their unmatched pedagogy by adding in a discussion of the real options application to real estate development and streamlining the discussion of data returns.

Author : International Monetary Fund
Publisher : International Monetary Fund
Page : 45 pages
File Size : 53,5 Mb
Release : 2014-06-11
Category : Business & Economics
ISBN : 9781498342629

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Staff Guidance Note on Macroprudential Policy by International Monetary Fund Pdf

This note provides guidance to facilitate the staff’s advice on macroprudential policy in Fund surveillance. It elaborates on the principles set out in the “Key Aspects of Macroprudential Policy,” taking into account the work of international standard setters as well as the evolving country experience with macroprudential policy. The main note is accompanied by supplements offering Detailed Guidance on Instruments and Considerations for Low Income Countries

Author : International Monetary Fund
Publisher : International Monetary Fund
Page : 157 pages
File Size : 54,8 Mb
Release : 2012-11-21
Category : Business & Economics
ISBN : 9781475540093

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Australia by International Monetary Fund Pdf

Australia has a very high level of compliance with the Basel Core Principles for Effective Banking Supervision (BCPs). The Australian banking system was more sheltered than a number of other countries and weathered the Global Financial Crisis relatively well. This was in part due to relative concentration of the system on a well performing domestic economy, but also due to a material contribution from a well-developed regulatory and supervisory structure. Notable strengths of the Australian supervisory approach rest in its strong risk analysis and on the focus of the responsibility of the Board. The Australian banking system however, is still vulnerable to continuing aftershocks of the financial crisis not least as banks? funding profiles could be a conduit of instability.