Commercial Lending Review articles from December 2001

Commercial Lending Review archives from December 2001

The new role of online banking for small businesses.
December 22, 2001... Back in those long-ago dot-com days, financial institutions fought for bragging rights for the snazziest small business web site. Bells. Whistles. Pop-ups. Games. That was then. Since the dot-com crash, the focus has shifted from esthetics...

Allowance for loan losses guidance: where we stand today.
December 22, 2001... The past three years have seen unprecedented scrutiny placed on the allowance for loan losses (ALL) by the regulators. The landscape is further complicated because the regulators frequently view their concerns from differing contexts: Concerns...

Account aggregation and small-business banking.(managing accounts from one platform)
December 22, 2001... Account aggregation is all the rage in financial services. Simply put, it is a Web-based tool that allows consumers to consolidate information across accounts and across financial institutions. Using the advanced technology provided by third...

Derived/matrix pricing for bank loans.(price valuation models)
December 22, 2001... The purpose of any derived/matrix pricing model (also referred to as price valuation models) is to accurately estimate the price or value of an asset at a given point in time. Derived/ matrix price models generally add value only for relatively...

Clarity: the key to serving small business on the internet.
December 22, 2001... Well before the emergence of the Internet, banks large and small struggled with their approach to delivering banking services to small businesses, that is, the firms that employ fewer than 500 employees and/or generate up to $10 million in...

Make distribution excellence the formula for success in small business.
December 22, 2001... Banks understand that small-business relationships are the source of deposit growth and strong profit margins. Yet most banks are unable to sell the full range of products to their small-business customers in ways that are economical for the...

Measuring operational efficiency: a guide for commercial bankers.(Nolan Efficiency Ratio Benchmarking Study)(Statistical Data Included)
December 22, 2001... In the early 1990s commercial banks began asking consulting firms for assistance focused on improvements that would generate the greatest positive impact on the efficiency ratio (a relationship of total operating expenses to total revenue)....

Structuring and managing a community bank loan review program.
December 22, 2001... The loan review function continues to be integrated into the financial institution's risk-management function. Its focus is primarily on identifying, measuring, monitoring, and controlling credit risk and any other associated risks relating to...

Employee stock options: a reporting puzzle. (Business Valuation).
December 22, 2001... Stock options as a form of compensation have exploded upon the corporate world. According to the National Center for Employee Ownership, the number of employees receiving stock options in the United States has grown to more than 10 million from...

Filing UCC financing statements under revised Article 9. (Leasing).(Uniform Commercial Code)
December 22, 2001... Article 9 of the Uniform Commercial Code (UCC) is the law governing the creation and perfection of security interests in equipment and certain other types of collateral. Article 9 has been substantially revised, and Revised UCC Article 9 (R9)...

Accounting for asset retirement obligations. (Accounting).
December 22, 2001... The Financial Accounting Standards Board (FASB) recently issued Statement of Financial Accounting Standards (SFAS) No. 143, "Accounting for Asset Retirement Obligations," to address financial accounting and reporting for obligations associated...

Determining the size of bank terms loans. (Credit Analysis).
December 22, 2001... Commercial Bankers often use ratio studies or some other benchmarking scheme to determine how much in unsecured loans a business borrower can take up befor reaching balance-sheet capacity. This article describes a simple method for determining...