Bank Lending

Author : Hong Kong Institute of Bankers (HKIB)
Publisher : John Wiley & Sons
Page : 226 pages
File Size : 40,8 Mb
Release : 2012-03-13
Category : Business & Economics
ISBN : 9780470827482

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Bank Lending by Hong Kong Institute of Bankers (HKIB) Pdf

Sophisticated banking is vital for modern society to function and prosper. Banks lend to individuals and corporations but do so after carefully exploring the risks they undertake to each customer. This book examines the important role of lending in banking operations and how banks can implement safe and effective loan initiatives. Banks rely on lending to generate profits, but it can be a risky venture. It is important for banking professionals to understand how to mitigate those risks. Bank Lending from the Hong Kong Institute of Bankers discusses a variety of topics that impact a bank's loan strategy. This is an essential read for candidates studying for the HKIB Associateship Examination and those who want to acquire expert knowledge of Hong Kong's bank lending system. Topics covered in this book include: Assessing and reducing lending risk Understanding the customer through financial statements Using ratios to determine risk Setting up an internal structure to reduce risk Pricing and managing loans Dah Sing Bank is delighted to sponsor this resourceful book. The Dah Sing Group is a leading financial services group in Hong Kong, active in providing banking, insurance, financial, and other related services in Hong Kong, Macau, and the People's Republic of China. The Dah Sing Group has gained a reputation as one of the most progressive and innovative financial services groups. Keys to its success are the strength of the Dah Sing management team and the group's commitment to serving its customers.

Author : Mr.Giovanni Dell'Ariccia,Dalida Kadyrzhanova,Ms.Camelia Minoiu,Mr.Lev Ratnovski
Publisher : International Monetary Fund
Page : 45 pages
File Size : 54,6 Mb
Release : 2017-11-07
Category : Business & Economics
ISBN : 9781484324899

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Bank Lending in the Knowledge Economy by Mr.Giovanni Dell'Ariccia,Dalida Kadyrzhanova,Ms.Camelia Minoiu,Mr.Lev Ratnovski Pdf

We study bank portfolio allocations during the transition of the real sector to a knowledge economy in which firms use less tangible capital and invest more in intangible assets. We show that, as firms shift toward intangible assets that have lower collateral values, banks reallocate their portfolios away from commercial loans toward other assets, primarily residential real estate loans and liquid assets. This effect is more pronounced for large and less well capitalized banks and is robust to controlling for real estate loan demand. Our results suggest that increased firm investment in intangible assets can explain up to 20% of bank portfolio reallocation from commercial to residential lending over the last four decades.

Author : Leonard Onyiriuba
Publisher : Academic Press
Page : 738 pages
File Size : 46,8 Mb
Release : 2015-08-03
Category : Law
ISBN : 9780128034477

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Emerging Market Bank Lending and Credit Risk Control by Leonard Onyiriuba Pdf

Using a framework of volatile markets Emerging Market Bank Lending and Credit Risk Control covers the theoretical and practical foundations of contemporary credit risk with implications for bank management. Drawing a direct connection between risk and its effects on credit analysis and decisions, the book discusses how credit risk should be correctly anticipated and its impact mitigated within framework of sound credit culture and process in line with the Basel Accords. This is the only practical book that specifically guides bankers through the analysis and management of the peculiar credit risks of counterparties in emerging economies. Each chapter features a one-page overview that introduces its subject and its outcomes. Chapters include summaries, review questions, references, and endnotes. Emphasizes bank credit risk issues peculiar to emerging economies Explains how to attain asset and portfolio quality through efficient lending and credit risk management in high risk-prone emerging economies Presents a simple structure, devoid of complex models, for creating, assessing and managing credit and portfolio risks in emerging economies Provides credit risk impact mitigation strategies in line with the Basel Accords

Author : Nirmala Lee,Vijay Lee
Publisher : Gosbrook
Page : 240 pages
File Size : 49,6 Mb
Release : 2018
Category : Business & Economics
ISBN : 1912184052

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Bank Lending by Nirmala Lee,Vijay Lee Pdf

This book is for students and professionals working, or intending to work, in a lending-related role.The text provides comprehensive, up-to-date coverage of bank lending, its principles and practices. Bank lending performs a key role within global and national economies. Individuals and enterprises look primarily to banks and other financial institutions to finance their personal and business requirements. Good lending practice is therefore a core skill required within the financial services industry. This book will give lending staff the detailed knowledge and understanding of the financial and legal aspects of their roles they need to be able to fulfil employer as well as customer expectations.Topics include:lending principlesthe legal and regulatory frameworktypes of borrowerpurposes of financingsecuritythe lending cycleIslamic financeimpact of lending and social responsibilityThe book provides students and practitioners of bank lending with an excellent understanding of lending practices as well as the principles that underpin these practices.

Author : Brian Coyle
Publisher : Global Professional Publishi
Page : 172 pages
File Size : 52,7 Mb
Release : 2002
Category : Business & Economics
ISBN : 0852974582

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Bank Finance by Brian Coyle Pdf

Describing the various aspects of bank finance from thebank and borrower perspectives, this book is from the"Risk Management" series. An evaluation of the riskelements is provided and generally the book serves as aguide to how to conduct open negotiations and establish agood business relationship between the bank and thecustomer. This ......

Author : Anonim
Publisher : Unknown
Page : 506 pages
File Size : 41,7 Mb
Release : 1999
Category : Asset-backed financing
ISBN : IND:30000070130806

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Asset-based Financing by Anonim Pdf

Author : Joseph M. Berrospide
Publisher : DIANE Publishing
Page : 50 pages
File Size : 43,7 Mb
Release : 2011-04
Category : Business & Economics
ISBN : 9781437939866

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Effects of Bank Capital on Lending by Joseph M. Berrospide Pdf

The effect of bank capital on lending is a critical determinant of the linkage between financial conditions and real activity, and has received especial attention in the recent financial crisis. The authors use panel-regression techniques to study the lending of large bank holding companies (BHCs) and find small effects of capital on lending. They then consider the effect of capital ratios on lending using a variant of Lown and Morgan's VAR model, and again find modest effects of bank capital ratio changes on lending. The authors¿ estimated models are then used to understand recent developments in bank lending and, in particular, to consider the role of TARP-related capital injections in affecting these developments. Illus. A print on demand pub.

Author : International Monetary Fund. External Relations Dept.
Publisher : International Monetary Fund
Page : 60 pages
File Size : 55,8 Mb
Release : 2012-03-14
Category : Business & Economics
ISBN : 9781451922141

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Finance & Development, March 2012 by International Monetary Fund. External Relations Dept. Pdf

Young people, hardest hit by the global economic downturn, are speaking out and demanding change. F&D looks at the need to urgently address the challenges facing youth and create opportunities for them. Harvard professor David Bloom lays out the scope of the problem and emphasizes the importance of listening to young people in "Youth in the Balance." "Making the Grade" looks at how to teach today's young people what they need to get jobs. IMF Deputy Managing Director, Nemat Shafik shares her take on the social and economic consequences of youth unemployment in our "Straight Talk" column. "Scarred Generation" looks at the effects the global economic crisis had on young workers in advanced economies, and we hear directly from young people across the globe in "Voices of Youth." Renminbi's rise, financial system regulation, and boosting GDP by empowering women. Also in the magazine, we examine the rise of the Chinese currency, look at the role of the credit rating agencies, discuss how to boost the empowerment of women, and present our primer on macroprudential regulation, seen as increasingly important to financial stability. People in economics - C. Fred Bergsten, American Globalist. Back to basics - The multi-dimensional role of banks in our financial systems.

Author : Simon H. Kwan
Publisher : DIANE Publishing
Page : 43 pages
File Size : 43,7 Mb
Release : 2010-10
Category : Business & Economics
ISBN : 9781437933802

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Financial Crisis and Bank Lending by Simon H. Kwan Pdf

Estimates the amount of tightening in bank commercial and industrial (C&I) loan rates during the financial crisis. After controlling for loan characteristics and bank fixed effects, as of 2010:Q1, the average C&I loan spread was 66 basis points or 23 percent above normal. From about 2005 to 2008, the loan spread averaged 23 basis points below normal. Thus, from the unusually loose lending conditions in 2007 to the much tighter conditions in 2010:Q1, the average loan spread increased by about 1 percentage point. The author finds that large and medium-sized banks tightened their loan rates more than small banks; while small banks tended to tighten less, they always charged more. Charts and tables.

Author : Anonim
Publisher : World Bank Publications
Page : 42 pages
File Size : 46,7 Mb
Release : 2002
Category : Bancos - America Latina
ISBN : 8210379456XXX

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Bank Lending to Small Businesses in Latin America by Anonim Pdf

Do foreign banks lend less to small and medium enterprises than domestic banks in Developing countries? Analysis of data from four countries in Latin America suggests that although small foreign banks lend less than small domestic banks, the difference for large banks is considerably less.

Author : Frank J. Fabozzi
Publisher : John Wiley & Sons
Page : 232 pages
File Size : 54,5 Mb
Release : 1998-07-15
Category : Business & Economics
ISBN : 1883249449

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Bank Loans by Frank J. Fabozzi Pdf

The bank loan market has increased dramatically in recent years and is now viewed by some as a distinct asset class. This comprehensive book covers the structure of the market, secondary market in trading practices, and how to manage a bank loan portfolio.

Author : Anonim
Publisher : The Fraser Institute
Page : 41 pages
File Size : 54,9 Mb
Release : 2008
Category : Electronic
ISBN : 8210379456XXX

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Bank lending and entrepreneurial finance by Anonim Pdf

However, the reports also find that Canadian banks lag behind industry leaders in the two most important measures relating to entrepreneurial businesses: the amount of bank lending (in terms of the quantity of funds) and the terms by which that lending is provided. [...] An analysis of the structural influences suggests that environmental features, such as the scale of the economy, the size of the banks, and the degree of concentration of the banking system, cannot explain the differences in bank performance between Canada and other industrialized countries. [...] Bank loans and the funding of entrepreneurial business The importance of different sources of finance for entrepreneurial businesses is difficult to gauge directly because of the diversity of these businesses. [...] The Milken Institute bank performance measures The Banking and Financial Index (BF Index), a subcategory of the Capital Access Index that is important to this study, assesses the contribution of a country's financial institutions to entre- preneurial finance on the basis of the following banking performance measures: •. Claims on non-financial firms as a percentage of GDP; •. Bank assets as a perc [...] The breadth of the banking measures used by the BF Index means that the items included differ substantially in terms of their relevance to the contribution of a country to entrepreneurial finance.

Author : Anonim
Publisher : Lulu.com
Page : 294 pages
File Size : 52,5 Mb
Release : 2004
Category : Bank capital
ISBN : 9789291316694

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International Convergence of Capital Measurement and Capital Standards by Anonim Pdf

Author : Inter-American Development Bank
Publisher : IDB
Page : 290 pages
File Size : 50,6 Mb
Release : 2004
Category : Banks and banking
ISBN : 9781931003667

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Unlocking Credit by Inter-American Development Bank Pdf

Annotation Bank loans are the main source of credit for businesses across Latin America, so understanding what determines the depth, cost, and volatility of bank credit is crucial to designing strategies that ensure financial stability and promote growth. This new edition of Economic and Social Progress in Latin America provides a comprehensive analysis of the region's all-important banking industry. The book examines two-way interactions between macroeconomic policies and financial intermediation -- not only how these policies affect banking but how banks weather intermediate shocks, and how industry incentives can prompt bank portfolio choices that influence economic policy. The report also discusses how elements of a financial safety net -- including deposit insurance, prudential regulation, protection of creditor rights, and legal and judicial enforcement -- can mitigate factors that make credit more volatile and constrain its expansion. Finally, the report studies how the banking industry's market structure affects its performance. Particular attention is given to the role of government- versus foreign-owned banks, access to credit by small and medium-sized enterprises, and the development of mortgage credit markets.

Author : Mr.Giovanni Melina,Stefania Villa
Publisher : International Monetary Fund
Page : 68 pages
File Size : 48,9 Mb
Release : 2017-07-31
Category : Business & Economics
ISBN : 9781484312674

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Leaning Against Windy Bank Lending by Mr.Giovanni Melina,Stefania Villa Pdf

Using an estimated dynamic stochastic general equilibrium model with banking, this paper first provides evidence that monetary policy reacted to bank loan growth in the US during the Great Moderation. It then shows that the optimized simple interest-rate rule features no response to the growth of bank credit. However, the welfare loss associated to the empirical responsiveness is small. The sources of business cycle fluctuations are crucial in determining whether a “leaning-against-the-wind” policy is optimal or not. In fact, the predominant role of supply shocks in the model gives rise to a trade-off between inflation and financial stabilization.