List of Loan Book Capital E-book

Download Business & Economics ebook, Harriman House Limited, John Michael Sheehan.

Optimising Distressed Loan Books
by John Michael Sheehan

Dealing with distressed loans is different to other banking activities. Normal bank processes, decision-making structures, management techniques and investment philosophies are geared to making money in buoyant markets. However, these same characteristics mean that in a downturn banks are poorly equipped to deal with working-out distressed loan portfolios. This is problematic and costly for banks, as there are billions of dollars to be made from the resolution of defaulted loan books, if only they can harness the skills for doing this effectively.

In this unique new book, John Michael Sheehan explains why financial institutions have failed to resolve distressed loan books profitably in the past and describes the solutions they can put in place to improve this in the future. Sheehan builds on 20 years’ experience of hands-on asset monetisation, loan portfolio servicing and debt work-out to describe how banks can learn to convert the dredges of loan defaults into profits. Written in a clear and approachable style, illustrated throughout and punctuated with insightful real-life case studies, Sheehan provides a highly accessible guide to this technical area.

The book is divided into three parts. The first section analyses how and why banks fail to maximise distressed recoveries. The second section is a practical, basic training manual of techniques, systems and processes that will explain to investors or lenders how to go about earning back their losses and, in many cases, clearing amounts greater than par. The final section analyses lessons from previous crises and proposes how in the future financial institutions can improve their distressed loan resolution practices.

Bank executives and officers, their advisors, loan servicers, investors, and government-sponsored entities will be able to use this book as a working tool to assist them in working-out loans and retaining the rewards from this process. Accountants, administrators and ratings agencies should find this book to be an extremely useful source of reference, whilst regulators, academics and students will also find it will improve their understanding of the secretive distressed debt industry and therefore the financial system.

Japanese Government Loan Issues on the London Capital Market 1870-1913
by Toshio Suzuki

Based on bank and official archives, this book focuses on Japan’s financial activities abroad – in particular, Japan’s borrowings. This is the story of Japan’s success: a “doubtful” borrower in the 1870s, it became respected after the Russo-Japan war. This study also highlights the mechanism of loan issues on the international capital markets.

First published in 1994, this title is part of the Bloomsbury Academic Collections series.

Effects of Bank Capital on Lending
by Jose M. Berrospide

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.

Financial Crisis and Bank Lending
by Simon H. Kwan

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.

The New Basel Capital Accord: The Devil Is in the (Calibration) Details
by Paul H. Kupiec

This paper considers characteristics of the capital requirements proposed in The New Basel Capital Accord (2001). Formal analysis identifies calibration features that could give rise to unintended consequences that may include: concentration of credit risk in institutions that are less well equipped to measure and manage risks; an overabundance of thinly capitalized high quality long-maturity credits in foundation Internal Ratings-Based (IRB) banks; distortions in the secondary market for discount or premium credits; an increase in the difficulty of resolving distressed financial institutions; and incentives to distort the accuracy of loan loss provisions.

Capital Disruption

"Are we witnessing traditional capital sources being disrupted? Dudley interviews nine founders from business, consumer and real estate lending platforms and other key industry influencers. These relatively nascent platforms have scaled to originate hundreds of millions and in some cases billions in loans. Learn about the inspiration of the founders and their path toward identifying their market fit.

The stories are informative for those seeking to learn more about marketplace and alternative lending or those who find the entrepreneurial journey inspirational." 

2018 CFR e-Book Title 12, Banks and Banking, Parts 200-219
by Office of The Federal Register

Title 12, Banks and Banking, Parts 200-219

Commercial and Investment Banking and the International Credit and Capital Markets
by Brian Scott-Quinn

An introductory guide to finance and the financial markets, designed to help professionals and students understand the complex finance industry. It is a modern text that covers all major developments in markets in the period since the year 2000, the beginning of the global financial, eurozone and US government debt crises, up to the start of 2012.

Capital Market Instruments
by Moorad Choudhry, Rod Pienaar, Richard Pereira, Joannas Didier

The authors have applied their practical knowledge to produce a text that is concise yet thorough. It will be extremely valuable both as a beginner’s guide and as a work of reference for those more experienced in the world of capital markets.Ian B. Abrams, Managing Director, Mizuho International plcMoorad Choudhry and his co-authors have made a noteworthy contribution to the literature on financial economics with this book, and I hope that this exciting and interesting new work spurs readers on to their own research and investigation.Jane Douglas-Jones, Managing Editor, FOWMoorad Choudhry and his co-authors have produced a book that provides excellent and comprehensive coverage of a wide range of traditional and modern derivative securities. Given its content and user-friendly style, it is sure to become required reading for many courses in finance.Brian A. Eales, Department of Economics, London Guildhall University’The complexity of the markets made simple is a goal this book achieves with enthusiasm – an excellent guide suitable for practitioners at all levels.’Huw Williams, VP, Head of Sales, EAME Structured Finance Services, JPMorganChaseThis is a well-crafted book and

The Banking Sector in Ghana: Issues in Relation to Current Reforms
by Edmund Benjamin-Addy

For in recent times, a lot of banks have rated Ghana a good destination to extend their operations, the competition in the banking industry has heightened. To ensure that banks maintain adequate working capital, the industry regulator, i.e. the Bank of Ghana, issued a directive instructing all commercial banks to ensure that by the close of December 2012 their operating capitals do not fall below GHcents60million. At the close of December 2011, almost all foreign banks had complied. However, some of the local banks are sensing serious limitation in meeting the order. Therefore, the study has the objective to identify the challenges these banks have to face and thereby, the author will recommend avenues for raising funds to meet the proposed capital requirement. This study is based on six banks that operate in the Accra business district, namely the National Investment Bank (NIB), the Ecobank Ghana Ltd. (ECB), the Prudential Bank, the Ghana Commercial Bank, the Merchant Bank Ghana and the Zenith Bank. Primary data was obtained by soliciting views from bank officials on questions as the following. Which challenges confront Ghanaian Banks in their cash mobilization efforts? How could the banks generate more funds from the Ghana Stock Exchange? What efforts were made to secure funding from strategic investors? How could they reduce operating cost to enhance working capital? The second data set is based on financial statements and brochures of the banks. There was a direct approach to officers of these banks whose job description included liquidity adequacy or assets liability management. The questionnaire technique was adopted as the ideal research instrument. Moreover, the data was analyzed by means of SPSS application, TOPAZ and further, the resulting charts and graphs were featu