Bank loans

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  • ARE BANK LOAN RATINGS RELEVANT? Moreover, the coefficient on the background index across MSAs—1.58 in Column C, and slightly higher in later columns—is nearly identical to that found within MSAs (Table 1.4, Column A). This is consistent with the claim that both coefficients measure primarily the peer effect (γ ), which might be the same across MSAs as within, rather than effectiveness sorting (θ ), which we would expect to see within but not across MSAs.

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  • Tham khảo sách 'modern banking', tài chính - ngân hàng, ngân hàng - tín dụng phục vụ nhu cầu học tập, nghiên cứu và làm việc hiệu quả

    pdf739p quanph626 17-09-2009 1044 586   Download

  • On April 6, 1998, the creation of Citigroup through the combination of Citicorp and Travelers Inc. was announced to the general applause of analysts and financial pundits. The “merger of equals” created the world’s largest financial services firm—largest in market value, product range, and geographic scope. Management claimed that strict attention to the use of capital and rigorous control of costs (a Travelers specialty) could be combined with Citicorp’s uniquely global footprint and retail banking franchise to produce uncommonly good revenue and cost synergies.

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  • What is investment banking? Is it investing? Is it banking? Really, it is neither. Investment banking, or I-banking, as it is often called, is the term used to describe the business of raising capital for companies and advising them on financing ...

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  • General scanners have a broad list of attributes in mind and spend a minimal amount of time matching resumes to their criteria. Usually, they start by doing a quick scan, looking for the obvious scoop on the person: Did he go to a top school? Has she worked for good companies? What functional knowledge does he have? It’s best if this information is prominent and comes immediately to the eye. If they like what they see, then they’ll read through the entire resume. This approach is fairly typical of the way an investment banking team...

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  • What is investment banking? Is it investing? Is it banking? Really, it is neither. Investment banking, or I-banking, as it is often called, is the term used to describe the business of raising capital for companies and advising them on financing and merger alternatives. Capital essentially means money. Companies need cash in order to grow and expand their businesses; investment banks sell securities to public investors in order to raise this cash. These securities can come in the form of stocks or bonds, which we will discuss in depth later....

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  • With the increase of wealth and commerce in Europe, private bankers established themselves in all the principal cities and towns. They re- ceived money on deposit; they managed the money affairs of states and individuals; they lent money to such borrowers as could give the neces- sary security; and they bought and sold bills of exchange, bullion, and coin. The English bankers were not slow in perceiving the profits which the Bank of England derived from the circulation of its notes. They imitated its example.

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  • Chapter 15 - International long-term financing and investment. In this chapter, the learning objectives are: To describe international bank loan financing, to demonstrate how the currency denominating a bond issue is chosen, to describe the primary and secondary international equity markets,…

    ppt50p nomoney5 01-03-2017 3 1   Download

  • Chapter 15 - International long-term financing and investment. In this chapter, the learning objectives are: To describe international bank loan financing, to demonstrate how the currency denominating a bond issue is chosen, to describe the primary and secondary international equity markets,…

    ppt50p nomoney8 04-04-2017 1 1   Download

  • Complacency is dangerous, especially in a rapidly changing world. For decades, Japanese bankers were complacent with a rapidly growing economy and with cozy relationships with government bureaucrats who pursued policies that virtually eliminated traditional banking risks. Rapid economic growth, for instance, provided a steady flow of deposits, which in turn financed corporate expansion. Rapid economic growth fur- ther fueled corporate profits and asset inflation that made the repayment of loans almost...

    pdf204p 951847623 09-04-2012 116 50   Download

  • We model the impact of bank mergers on loan competition, reserve holdings, and aggregate liquidity. A merger changes the distribution of liquidity shocks and creates an internal money market, leading to financial cost efficiencies and more precise estimates of liquidity needs. The merged banks may increase their reserve holdings through an internalization effect or decrease them because of a diversification effect. The merger also affects loan market competition, which in turn modifies the distribution of bank sizes and aggregate liquidity needs.

    pdf39p vickyzao 24-11-2012 35 6   Download

  • The LIBOR is the London Interbank Offered Rate, which is used as a reference rate in loan transactions between banks. The LIBOR floor, introduced in recent years to help enhance bank loan yields in extremely low interest rate environments, is around 1%–2% (note that until LIBOR reaches the “floor” level, bank loan returns do not increase with rising rates). The credit spread is the market-determined spread paid to the investor for taking on the credit risk (historically the normal range has been 3%–8%, depending on the riskiness of a loan).

    pdf0p taisaocothedung 09-01-2013 28 5   Download

  • The purpose of this research is to determine the factors that affect the profitability of commercial banks in Vietnam. Beside, the article has given the best solution to managers and investors to decide their business strategy and minimize financial risk.

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  • You have here a unique academic treatise on money and banking, a book which combines erudition, clarity of expression, economic theory, monetary theory, economic history, and an appropriate dose of conspiracy theory. Anyone who attempts to explain the mystery of banking—a deliberately contrived mystery in many ways—apart from all of these aspects has not done justice to the topic. But, then again, this is an area in which justice has always been regarded as a liability.

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  • While the ECB’s policy response has, to a signifi cant extent, sheltered the non-fi nancial private sector from the sovereign debt crisis, and has avoided major disruptions in the fi nancing of the economy, the fi nancing environment of both banks and the non-fi nancial private sector of countries affected by the sovereign debt crisis remains challenging.

    pdf9p taisaocothedung 09-01-2013 17 4   Download

  • This paper discusses the effects of bank competition on bank loan and deposit rate levels as well as on their responses to changes in market rates and, hence, on the monetary policy transmission mechanism. Given the prominent role of the banking sector in the euro area’s financial system, it is of significant importance for the ECB to monitor the degree of competitive behaviour in the euro area banking market. A more competitive banking market is expected to drive down bank loan rates, adding to the welfare of households and enterprises.

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  • For example, take the claim that many poor households will pay high interest rates without flinching, and the related claim that the existence of moneylenders implies the insensitivity of most borrowers to interest rates. Moneylender loans are often taken for short periods of less than a month, however, and are often used as a short-term patch to meet pressing consumption needs--while microfinance loans are typically held for several months at minimum and are targeted at business investment. The standard Grameen Bank loan, for example, had a one-year term.

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  • Non Performing Loan Rate is the most important issue for banks to survive. There are lots of factors responsible for this ratio. Some of them belong to firm level issues and some are from macroeconomic measures. However this study is based on the blend. It considers the Real GDP per Capita, Inflation, and Total Loans as independent variables, and Non Performing Loan Ratio as dependent variable. Study uses the data of US banking sector from official web sources of US Federal Reserve System.

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  • As an asset class, we believe bank loans are likely to outperform most other fixed income asset classes that have duration risk in a rising interest rate environment. That potential outperformance will likely be somewhat muted in the early phases of the environment, due to LIBOR floors. As with other tactical or strategic allocations, the attractiveness of bank loans should be assessed against the investor’s overall objectives.

    pdf0p taisaocothedung 09-01-2013 37 3   Download

  • This paper analyzes the importance of retail consumers’ banking relationships for loan defaults using a unique, comprehensive dataset of over one million loans by savings banks in Germany. We find that loans of retail customers, who have a relationship with their savings bank prior to applying for a loan, default significantly less than customers with no prior relationship.

    pdf58p bi_ve_sau 17-01-2013 21 3   Download

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