Harry Terris | Mar 12
The upswing in acquisition announcements lately has been unaccompanied by the spiral of rising deal and trading multiples that attended waves of mergers in the past.
Harry Terris | Mar 08
Firms have continued to plow money into bank deposits, but high liquidity ratios appear to be more a continuation of trends in place since the 1980s than a reaction to the financial crisis.
Harry Terris | Mar 04
Large bank holding companies have positioned themselves aggressively for a rise in interest rates, based on levels of short-term assets and liabilities. Smaller holding companies have not.
Harry Terris | Feb 27
Large banks have been relatively inactive in the market for targets with less than $2 billion of assets, once a staple.
Harry Terris | Feb 26
Cost consciousness appears to have an echo in the way banks are configuring their branch networks: the typical office holds more deposits than it used to.
Harry Terris | Feb 25
Home equity lending remains miles away from growth, despite anecdotal evidence of a comeback and rising real estate prices that are fortifying loans already on the books.
Harry Terris | Feb 20
Recovering home prices have helped shrink underwater home equity loans, but such uncollateralized assets are still large when measured against Tier 1 common equity at the Big Four.
Harry Terris | Feb 15
Credit card delinquencies rose in January, but chargeoffs fell and portfolios appear likely to extend a streak of strong performance in the months ahead.
Harry Terris | Feb 13
Growth is hard to come by in the credit card business, but major lenders are sticking with a smaller pool of customers with higher credit scores.
Harry Terris | Feb 05
Executives warn that credit quality is stabilizing after the post-recession recovery, but say that a convalescent housing market could open up another reservoir from which to draw down loss allowances.
Harry Terris | Feb 04
Net interest margins continued to come under pressure in the fourth quarter. Net interest income, aided by loan growth, held up better.
Harry Terris | Feb 01
The drain from construction loan portfolios has slowed, and other categories of commercial property loans have notched gains in recent periods.
Harry Terris | Jan 29
Mortgage earnings climbed to 14% of total revenues at Wells Fargo in the fourth quarter. Banks say they can scale down operations quickly when volume fizzles.
Joe Adler, Harry Terris | Jan 23
Some of the nation's biggest lenders said that savings from firing consultants doing foreclosure reviews would largely cancel out the cost of direct compensation to borrowers.
Harry Terris | Jan 15
Credit card delinquencies fell across the board at the Big Six issuers in December, reversing the deterioration during the fall.
