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Showing results 81 - 100 for "Terris"
Credit Card Loss Rates Defy Forecasts, Head for New Lows
Delinquencies have continued to decline, pointing to chargeoff rates that could be 40 to 90 basis points lower in the third quarter than they were in the first quarter at the Big Six.
Does JPM Take More Risk than Rivals? Is TBTF Actually Good?
Receiving Wide Coverage ... JPMorgan: The FT analyzes JPMorgan's regulatory filings and infers that the bank takes more risk when investing excess liquidity — that is, cash that isn't being loaned out — than its megabank counterparts. Government-guaranteed bonds make up a smaller percentage of JPM's securities portfolio than at other large banks, for example. However, one FT reader protests in the comment thread that the conclusion trumpeted in the headline — "JPMorgan Takes More Risk...
JPMorgan Chase's Rivals Stick to Vanilla Bonds
If JPMorgan Chase's trading blowup raised worries about booby traps at other financial giants, it might be comforting to know that its securities portfolio is more complex — and perhaps trickier to hedge — than those of rival megabanks.
Big Banks Geared For Higher Rates
On the whole, large banks appear to have primed their books for a rebound in rates: levels of short-term assets relative to short-term liabilities are now higher than they have been during roughly the past decade. The postures of individual institutions vary widely, however.
Banks Resist Urge To Reach for Yield Amid Low Rates
Despite richer returns available further out on the yield curve, large banks have generally not shifted toward long-dated securities, according to regulatory data.
CEO Pay Booms in a Year When Stocks Are a Bust
Growth was particularly brisk at institutions with less than $20 billion of assets, where CEO compensation measured 2% of total payroll expenses, a far higher level than at larger banks.
Say on Pay 2012: Your Guide to Proxy Voting Season
Annual meetings held by Citi and Bank of New York Mellon have been shaken by investor dissent over executive pay, and observers anticipate more rebukes in the coming month.
CEO Pay Encourages Bigger Risks at Two of Top Four Banks
Large buildups of options granted over the years to the bosses at Wells Fargo and JPMorgan Chase could serve as an incentive to make riskier plays than at B of A and Citi.
Rates Set Banks Up to Report Strong Mortgage Earnings
The spread between consumer rates and secondary market rates – a proxy for the profitability of originations – spiked to new highs in the first quarter.
Loan Growth Cools in First Quarter
Preliminary data shows that growth in commercial and industrial lending decelerated for the first time in a year and a half. Banks that have reported continued momentum said that gains have come from signing up new customers and taking market share, but that overall credit demand remains tepid.
A Fickle Measure: Efficiency Ratios Resume Slide
Efficiency ratios have been worsening for two years, with a slump in noninterest income driving much of the deterioration.
Commercial Loans Rise on the Books of Failed Banks
The profile of a typical bank failure has taken on a new shape in 2012, with the combustion of construction loan portfolios giving way business loan blowups.
Wells Fargo's Home Loan Machine Powers Through Basel III Cap
Wells Fargo’s origination business has been operating at full steam, keeping the company’s mortgage servicing assets well above a cap proposed under Basel III. A new servicer compensation system could resolve the issue, but something has to give.
Mortgage Servicing's Changing of the Guard
Basel III capital adequacy requirements are causing major upheaval in the servicing market. Under U.S. regulators, even more changes are on the way.
Banks Large and Small Jump into Mortgage Servicing Breach
A group including $78 billion-asset M&T and $9 billion-asset Sterling Financial ratcheted up their servicing portfolios by a fifth or more in 2011. Nonbanks are scooping up problem loan servicing, but banks still have a distinct funding advantage.
Stress Testing the Stress Tests
Receiving Wide Coverage ... Stress Relief: As banks announced a wave of dividend increases and stock repurchase plans after getting their stress test marks from the Fed, an article in the Times foregrounded criticism that the capital payouts are too much and too soon. Luminaries, including Stanford's Anat Admati, denounced the central bank for irresponsibility and appeasement, and faulted the process for failing to reckon with potentially nightmarish legal liabilities. In the Journal, an article focused...
Second Tier Issuers Unspool Credit Lines
Companies like American Express, Capital One and USAA have substantially expanded the amount of credit they offer to consumers through cards over the last two years, in contrast to the retrenchment at the three largest three issuers.
Investors Warm to Acquirers' Stock
Buyers' stock has outperformed after about two-thirds of major deal announcements over the last nine months, hinting at a shift from the displeasure acquirers met with in late 2010 and early 2011.
Banks Keep Lines Taut as Card Borrowing Increases
Unused credit card lines fell another $21 billion in the fourth quarter as utilization rates, or loans as a percentage of available credit, continued to rebound.
Easy Merger Math for Prosperity and Privileged Peers
Rich trading multiples for banking companies like Prosperity in Houston make accretive acquisitions relatively simple. Institutions with such powerful stock currencies are few, however.
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