Mortgage Lending Rules - American Bankers Association
... responsibilities, fair lending, and other areas. These continuous rule expansions have made mortgages the riskiest and most labor-intensive products that banks can offer. The stifling burdens brought by these regulatory changes have made it difficult for institutions to stay profitable or even conti ...
... responsibilities, fair lending, and other areas. These continuous rule expansions have made mortgages the riskiest and most labor-intensive products that banks can offer. The stifling burdens brought by these regulatory changes have made it difficult for institutions to stay profitable or even conti ...
Design of Financial Securities: Empirical Evidence from Private-label RMBS Deals
... Some have argued that the equity tranche lost its signaling role during the pre-crisis period because deal sponsors are free to sell them to other entities. Our empirical tests provide evidence contradicting these claims. While we cannot track the ownership of the equity tranche over time directly, ...
... Some have argued that the equity tranche lost its signaling role during the pre-crisis period because deal sponsors are free to sell them to other entities. Our empirical tests provide evidence contradicting these claims. While we cannot track the ownership of the equity tranche over time directly, ...
Can a "Credit Crunch" Be Efficient?
... pp. 713-14) has also identified the attitudes and actions of intermediaries he sees as contributing to this situation of credit restraint: In some cases, lender attitudes and actions have been characterized by excessive caution. As a result, there doubtless are creditworthy borrowers that are unable ...
... pp. 713-14) has also identified the attitudes and actions of intermediaries he sees as contributing to this situation of credit restraint: In some cases, lender attitudes and actions have been characterized by excessive caution. As a result, there doubtless are creditworthy borrowers that are unable ...
CHAPTER 10
... would explain the small-firm effect where the CAPM could not. However, his results did not support that hypothesis. The small-firm portfolio still had significant positive excess returns, while the large firm portfolio had significant negative excess returns. A study that supports the APT is that of ...
... would explain the small-firm effect where the CAPM could not. However, his results did not support that hypothesis. The small-firm portfolio still had significant positive excess returns, while the large firm portfolio had significant negative excess returns. A study that supports the APT is that of ...
printmgr file - Morgan Stanley
... We file annual, quarterly and current reports, proxy statements and other information with the U.S. Securities and Exchange Commission (the “SEC”). You may read and copy any document we file with the SEC at the SEC’s public reference room at 100 F Street, NE, Washington, DC 20549. Please call the SE ...
... We file annual, quarterly and current reports, proxy statements and other information with the U.S. Securities and Exchange Commission (the “SEC”). You may read and copy any document we file with the SEC at the SEC’s public reference room at 100 F Street, NE, Washington, DC 20549. Please call the SE ...
McGraw-Hill Global Education Intermediate Holdings
... was completed, the result of which was that the HPI business and the SEG business were separated into two legal entities. The HPI business is now owned by MHGE Holdings, and the SEG business is owned by McGraw-Hill School Education Intermediate Holdings, LLC (“MHSE Holdings”), a separate wholly owne ...
... was completed, the result of which was that the HPI business and the SEG business were separated into two legal entities. The HPI business is now owned by MHGE Holdings, and the SEG business is owned by McGraw-Hill School Education Intermediate Holdings, LLC (“MHSE Holdings”), a separate wholly owne ...
A World with Higher Interest Rates
... but could unfold rather quickly, impacting virtually every major sector of the economy. This study attempts to take a more cautious and global approach in examining one possible future path of interest rates and their impact on selected sectors. Based on an analysis of global savings supply and inve ...
... but could unfold rather quickly, impacting virtually every major sector of the economy. This study attempts to take a more cautious and global approach in examining one possible future path of interest rates and their impact on selected sectors. Based on an analysis of global savings supply and inve ...
THE RELATIONSHIP BETWEEN CREDIT
... The rate of payments made per year by the buyer is known as the CDS spread. Suppose that the CDS spread for a five-year contract on Ford Motor Credit with a principal of $10 million is 300 basis points. This means that the buyer pays $300,000 per year and obtains the right to sell bonds with a face ...
... The rate of payments made per year by the buyer is known as the CDS spread. Suppose that the CDS spread for a five-year contract on Ford Motor Credit with a principal of $10 million is 300 basis points. This means that the buyer pays $300,000 per year and obtains the right to sell bonds with a face ...
PRESS RELEASE
... $45.7 million in direct loan investments. TFG’s exposure to leveraged loans totaled approximately $17.5 billion as of the end of Q1 2010.(6) Portfolio Composition: During Q1 2010 the portfolio grew to 68 CLO investments managed by 32 external CLO managers and certain bank loan investments owned di ...
... $45.7 million in direct loan investments. TFG’s exposure to leveraged loans totaled approximately $17.5 billion as of the end of Q1 2010.(6) Portfolio Composition: During Q1 2010 the portfolio grew to 68 CLO investments managed by 32 external CLO managers and certain bank loan investments owned di ...
New Investment Portfolios
... which seeks to provide long-term capital appreciation. The fund invests mainly in stocks of small companies. These companies tend to be unseasoned but are considered by the fund’s advisors to have superior growth potential. Dodge & Cox International Stock 529 Portfolio – Invests exclusively in the D ...
... which seeks to provide long-term capital appreciation. The fund invests mainly in stocks of small companies. These companies tend to be unseasoned but are considered by the fund’s advisors to have superior growth potential. Dodge & Cox International Stock 529 Portfolio – Invests exclusively in the D ...
Presentation (1 MB )
... – empirical evidence that exchange rate and other uncertainties are indeed associated with • lower total debt • a higher share of short-term debt • more macroeconomic volatility ...
... – empirical evidence that exchange rate and other uncertainties are indeed associated with • lower total debt • a higher share of short-term debt • more macroeconomic volatility ...
Crisis Alpha and Risk in Alternative Investment
... they will suffer in situations when credit becomes an issue. Credit issues generally come in shocks and most of these shocks occur during moments of market stress. In the following graph, several Alternative Investment strategies’ level of correlation with the TED spread, which is a proxy for credit ...
... they will suffer in situations when credit becomes an issue. Credit issues generally come in shocks and most of these shocks occur during moments of market stress. In the following graph, several Alternative Investment strategies’ level of correlation with the TED spread, which is a proxy for credit ...
Principles Underlying Asset Liability Management
... plan sponsor has responsibility, but which is legally separate and managed in addition to the core business of the organization. The entity at risk is generally the plan but the entity bearing the risk is generally the plan sponsor, who must weigh the risks generated by the plan against other enterp ...
... plan sponsor has responsibility, but which is legally separate and managed in addition to the core business of the organization. The entity at risk is generally the plan but the entity bearing the risk is generally the plan sponsor, who must weigh the risks generated by the plan against other enterp ...
Summary Prospectus - Select Sector SPDRs
... affected by the performance of the financial sector than a fund that is more diversified. Financial services companies are subject to extensive governmental regulation which may limit both the amounts and types of loans and other financial commitments they can make, the interest rates and fees they ...
... affected by the performance of the financial sector than a fund that is more diversified. Financial services companies are subject to extensive governmental regulation which may limit both the amounts and types of loans and other financial commitments they can make, the interest rates and fees they ...
Dreyfus Variable Investment Fund: Quality Bond Portfolio
... An investment in the fund is not a bank deposit. It is not insured or guaranteed by the Federal Deposit Insurance Corporation (FDIC) or any other government agency. It is not a complete investment program. The fund's share price fluctuates, sometimes dramatically, which means you could lose money. • ...
... An investment in the fund is not a bank deposit. It is not insured or guaranteed by the Federal Deposit Insurance Corporation (FDIC) or any other government agency. It is not a complete investment program. The fund's share price fluctuates, sometimes dramatically, which means you could lose money. • ...
FUNDAMENTALS OF HEALTHCARE FINANCE Online Appendix B
... Operating Cash Flow Margin Operating income before interest, depreciation, and amortization divided by operating revenue Operating income + Interest + Depreciation + Amortization (if any) Operating cash flow margin = ...
... Operating Cash Flow Margin Operating income before interest, depreciation, and amortization divided by operating revenue Operating income + Interest + Depreciation + Amortization (if any) Operating cash flow margin = ...
RTF - OTC Markets
... Financial Sector Risk: The Fund's assets will be concentrated in the financial sector, which means the Fund will be more affected by the performance of the financial sector than a fund that is more diversified. Financial services companies are subject to extensive governmental regulation which may l ...
... Financial Sector Risk: The Fund's assets will be concentrated in the financial sector, which means the Fund will be more affected by the performance of the financial sector than a fund that is more diversified. Financial services companies are subject to extensive governmental regulation which may l ...
Wells Fargo Short Term Investment Fund
... unpredictably. Securities may decline in value or become illiquid due to factors affecting securities markets generally or particular industries represented in the securities markets, such as labor shortages or increased production costs and competitive conditions within an industry. A security may ...
... unpredictably. Securities may decline in value or become illiquid due to factors affecting securities markets generally or particular industries represented in the securities markets, such as labor shortages or increased production costs and competitive conditions within an industry. A security may ...
