Commercial Lending Review articles from March 2004

Commercial Lending Review archives from March 2004

How retail + small-business partnerships increase sales.
March 1, 2004... The co-owner of a 12-year-old, $1.5 million, deposit-rich professional services firm--a prime small-business banking client by any measure--recently went to a bank branch near the new office he was planning to open for his company. Financing...

Creating value in corporate banking.
March 1, 2004... Over the past decade, the corporate-banking industry has offered unexciting returns in most regions. Moreover, the industry has failed to create value because it has not met its cost of capital. Economic growth and the capital markets' bubble...

Interpreting ambiguities in loan documents.
March 1, 2004... you and your borrower signed the loan documents two months ago. The borrower now tells you that it intends to consummate a transaction you just can't imagine you agreed to let it do. As you listen to the borrower explain the proposed...

The evolution of corporate cash management.
March 1, 2004... The corporate cash management industry is continuing to evolve. This evolution is a direct result of both economic conditions and changing customer demands. Financial institutions are being forced to pay closer attention to their bottom lines...

Avoiding pitfalls in revised article 9 of the UCC.(Uniform Commercial Code)
March 1, 2004... The revisions to Article 9 of the Uniform Commercial Code (UCC), which were adopted in 47 out of 50 states as of July 1, 2001, and became effective in early 2002 in the other three states, were designed to update and simplify the procedures...

FAS No. 150: the effect on debt covenants.(Mandatorily redeemable preferred stock)
March 1, 2004... Mandatorily redeemable preferred stock (MRPS) is a financial instrument requiring the issuing company to buy back, or redeem, the shares of stock from shareholders at a future date. Different from convertible preferred stock, when the choice of...

Why your bank will fail at cross-selling.
March 1, 2004... For banks and financial institutions, cross-selling has become the Holy Grail of the new millennium. Virtually all large institutions have highly organized cross-selling programs in place. Some are into the second and third generations of such...