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U.S. Banker March 2002 Man Yin Li |
Transfer That Risk! With more and more bankruptcies and defaults, many banks can protect themselves with credit derivatives. There are dangers in using them, but if used intelligently, they can be a boon to many banks...  |
CFO September 1, 2003 Hilary Rosenberg |
Compromising Positions Will credit derivatives encourage more lending, or will they harm the interests of borrowers?  |
FDIC FYI March 26, 2003 |
Derivatives Risk in Commercial Banking Derivatives serve an essential role in the U.S. and world economies but also present certain risks to the deposit insurance funds. This article explains what these risks are and describes how they are managed within commercial banking.  |
CFO October 1, 2004 Ronald Fink |
Default Swap Faults A dispute in the Enron bankruptcy case highlights troubling questions about credit default insurance.  |
BusinessWeek June 12, 2006 Peter Coy |
Time for Banks to Ask, "What If?" With some financial institutions acting more like dare devils than mere risk takers, a systemic crisis may loom.  |
Salon.com February 5, 2002 Damien Cave |
Risky business How did Enron break into the elite Wall Street world of credit derivatives?  |
OCC Bulletin November 15, 1999 |
Risk-Based Capital Interpretations Credit Derivatives A new issuance addresses the risk-based capital treatment of certain synthetic securitization transactions involving credit derivatives. The objective of these capital interpretations is to recognize the effective transference of the economic risk of loss in these transactions...  |
CFO October 1, 2009 Randy Myers |
Boxed In The government's push to standardize over-the-counter derivatives could severely disrupt corporate hedging programs.  |
Reason February 2004 Callahan & Kaza |
In Defense of Derivatives Between Enron, WorldCom, and Global Crossing, the controversial financial instruments have gotten a bad rap. Here's the truth.  |
Bank Systems & Technology January 29, 2005 Travers & Tyrie |
Monitoring Credit Rising consumer debt levels in many countries have led to concerns about deteriorating credit quality. To mitigate their exposure, leading banks are employing sophisticated analytical techniques to improve underwriting, while also managing risk better through the use of credit derivatives.  |
National Real Estate Investor February 1, 2007 Ben Johnson |
Small Banks, Big Risks In the new era of commercial real estate lending, federal regulators are pressuring even the smallest banks to upgrade their portfolio analysis capabilities to avoid the pitfalls of past downturns.  |
The Motley Fool March 2, 2007 Matt Koppenheffer |
Quick Take: Brokerages' Sloppy-Looking Swaps Current trading around banks' debt could suggest trouble ahead. Investors may be concerned that risk wasn't adequately managed with regards to the mortgage loans the banks took on.  |
OCC Bulletin May 22, 2002 |
Unsafe and Unsound Investment Portfolio Practices Description: Supplemental Guidance This bulletin alerts banks to the potential risk to future earnings and capital from poor investment decisions made at the current low level of interest rates...  |
The Motley Fool November 14, 2011 Travis Hoium |
Behind the Scenes of the Market: Derivatives and Risk How risk is calculated and the way derivatives are really traded.  |
FDIC FYI April 21, 2003 |
Risk-Based Capital Requirements for Commercial Lending: The Impact of Basel II The purpose of this article is to demonstrate the mechanics of the Basel II risk-based capital calculation for commercial credit exposures, and to present evidence on the impact of the new calculations on capital requirements for syndicated loans.  |
Bank Technology News June 2001 Brian O'Connell |
Risk Management Software Spells Relief for Bankers The technology also helps keep regulators happy...  |
Knowledge@Wharton February 12, 2003 |
The Changing Use of Derivatives: More Hedging, Less Speculation High-risk gambles like those that torpedoed Orange County, Gibson and P&G are far less likely than conservative plays meant to hedge against loss in underlying markets such as energy, commodities or currencies.  |
The Motley Fool April 8, 2009 Morgan Housel |
They're All Too Big to Fail Plenty of Wall Street banks -- all of them "too big to fail" -- are still ticking time bombs when it comes to bloated derivative books.  |
Wall Street & Technology November 17, 2008 Penny Crosman |
Wall Street Taking A Closer Look at Collateral Management In the wake of the credit crisis, JPMorgan, BNY Mellon, many of the top broker-dealers and a few buy-side firms are all involved in collateral management technology upgrades.  |
Real Estate Portfolio May/Jun 2007 Dees Stribling |
The Dawning of Derivatives REIT and real estate derivatives are introduced as a new financial tool in the real estate world.  |
CFO October 1, 2007 Rob Garver |
One Nation, Left Behind The race to cut compliance-based capital has begun, and U.S. banks are trailing the pack -- badly.  |
CFO March 1, 2008 Karen M. Kroll |
Pedaling As Fast As They Can Companies will now need to work harder for credit, as banks' markedly different posture on lending money is affecting businesses of all stripes -- not just those in default.  |
FDIC FYI January 14, 2003 |
Basel and the Evolution of Capital Regulation: Moving Forward, Looking Back How much capital is enough? How bank regulators have answered this question during the post World War II period has been shaped by two contending strands of thought.  |
BusinessWeek August 5, 2009 Silver-Greenberg et al. |
Old Banks, New Lending Tricks Lenders haven't sworn off risky financial products. They've come up with a slew of new ones.  |
Wall Street & Technology April 22, 2008 Ivy Schmerken |
Buy Side Seeks Independent Valuation Providers for OTC Derivatives After Credit Crisis With the credit markets in turmoil over OTC derivatives valuations, buy-side firms are tapping vendors to avoid the conflict of interest inherent in broker-determined prices.  |
U.S. Banker September 2001 Robert A. Bennett |
Glass-Steagall Revisted The real reasons for passage of the "Depression-era" Glass-Steagall Act, which separated commercial and investment banking, have been obscured, but they are popping up again...  |
Finance & Development June 2009 Randall Dodd |
Playing with Fire Firms across the spectrum of emerging markets entered into exotic derivative contracts that caused massive losses  |
Financial Planning April 1, 2010 Paul Menchaca |
Derivatives Return As much as derivative products have been shunned as 'weapons of mass destruction,' certain derivatives may become more important as investors discover their value as a way of potentially limiting or focusing risk exposure.  |
Wall Street & Technology January 24, 2006 |
Get Yer Red-Hot Derivatives Here! The derivatives market is heating up, and IT spending on derivatives management will experience a steady increase over the next four years, according to a new study.  |
FDIC FYI October 11, 2005 Michael H. Krimminger |
FYI: An Update on Emerging Issues in Banking Adjusting the rules: What bankruptcy reform will mean for financial market contracts.  |
CFO October 1, 2006 Alix Nyberg Stuart |
Are Your Secrets Safe? A shift in banks' business model raises questions about conflicts.  |
Wall Street & Technology February 13, 2007 Ivy Schmerken |
Asset Managers Push Custodians to Offer Independent Pricing Services for OTC Derivatives The exponential growth of OTC derivatives is forcing custodians to provide independent valuation services to their institutional clients.  |
U.S. Banker November 2001 John Hackett |
Ethically Tainted A number of banks are moving into variations of payday lending, the high-yielding business that some observers would describe as predatory. But those who participate in such lending say they're no different than banks that charge high fees for bounced checks...  |
HBS Working Knowledge March 20, 2006 Ann Cullen |
Unlocking Your Investment Capital Many companies can double or even triple their capacity to invest in strategic assets and competencies by properly managing their risk balance sheet.  |
The Motley Fool June 15, 2010 Ilan Moscovitz |
The Coming Financial Meltdown With 43 Congressional members hammering out a final version of the financial-reform bill, one of the biggest contentions remains what to do about the mind-boggling, vast, and opaque derivatives market owned by the nation's too-big-to-fail megabanks.  |
The Motley Fool July 25, 2007 S.J. Caplan |
Profit From Credit Default Swaps Credit default swaps are privately negotiated contracts between institutional investors which are based on corporate bonds. How can you profit from them?  |
FDIC FYI November 26, 2002 |
Quarterly Banking Profile Commercial Banking Performance, Third Quarter 2002 Gains on securities sales keep earnings near record level... Weakness in overseas operations limits industry profits... Margins improve at community banks, decline at larger institutions... Strong mortgage demand fuels growth in loans... Asset-quality problems continue to grow at large banks  |
Finance & Development March 1, 2000 Robert Rennhack |
Banking Supervision Countries in Latin America and the Caribbean, like other emerging markets, have experienced banking system difficulties that have hampered growth and generated fiscal costs as high as 10 to 20 percent of GDP and even more. Many countries have improved their banking systems, but further reform is needed.  |
BusinessWeek November 24, 2010 Schmidt & Brush |
Will Currency Derivatives Get a Pass on Oversight? Banks want them exempted. Geithner is caught between bankers and regulators on how much oversight to give currency derivatives.  |
FDIC FYI February 27, 2002 |
Loan Weakness Spreads; Banks' Defenses Hold Large banks' business loans have been hit hardest by the recession, but some weakening is now appearing for smaller banks and for other kinds of loans...  |
Wall Street & Technology March 17, 2008 Penny Crosman |
Markit's Moving Fast Into Derivatives Processing London-based data provider Markit has bought Communicator, Swapswire and BOAT. What's next for this fast-moving derivatives player?  |
BusinessWeek May 27, 2010 Matthew Leising |
How Wall Street Gamed Derivatives Reform New legislation likely won't have a major effect on banks that own stakes in trading and clearing firms.  |
Inc. January 1, 2003 Martin Mayer |
A Borrower Be Tough economies and easy credit usually don't mix. So why are banks falling all over themselves to lend small businesses money?  |
BusinessWeek August 20, 2007 Jack Ewing |
European Banks' Last Laugh (Extended) European lenders tend to keep the risk in-house, so they're more careful about who borrows. Home buyers take on a lot less debt.  |
On Wall Street January 1, 2009 Gwen Moran |
Do Derivatives Need More Oversight? These securities have gotten a bad rap but new legislation may do more harm than good.  |
The Motley Fool October 27, 2009 |
The Treasury Answers Fools' Questions Deputy Secretary of the Treasury Neal Wolin answers Motley Fool readers' questions regarding regulatory reform.  |
Finance & Development December 1, 2007 Randall Dodd |
Subprime: Tentacles of a Crisis The mortgage market turbulence is as much about the breakdown of the structure of U.S. financial markets as it is about bad debt.  |
Reason March 2009 Veronique de Rugy |
Dissatisfaction Guaranteed The government has decided to encourage more lenders to take more chances by guaranteeing yet more loans to high-risk borrowers. The only guarantee for these loans is that our children will be paying billions to cover the losses.  |
U.S. Banker April 2009 Joseph Rosta |
Trade Credit Default Swaps on an Exchange It's time for this vulnerable market to take its vaccine.  |
OCC Bulletin July 15, 1999 |
Summary of the Basel Committee's Consultative Document: "A New Capital Adequacy Framework" The paper describes a framework for bank supervision and regulation that contains three "pillars" -- a regulatory capital minimum, an enhanced supervisory review process, and more effective use of market discipline through disclosure.  |