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BNET Business Dictionary
- Bank
- a commercial institution that keeps money in accounts for individuals or organizations, makes loans, exchanges currencies, provides credit to businesses, and offers other financial services
- Bank definition on BNET »
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- Debt Market Considerations For Today's Borrowers Seeking The Optimal Capital Structure
- From the executive summary: ‘In a surprisingly short timeframe, loan market conditions have changed dramatically. Covenants continue to loosen, maturities continue to increase, and lenders are competing very aggressively on price. As a result, leveraged loan volume is on the rise, driven largely by re-financings and re-pricing of existing debt....
- White papers 2004-09-01
- Institutions Risk Management, Capital Structure and Lending at Banks
- In this paper, we test how access to the loan sales market affects bank capital structure and lending decisions. Hedging activities in the form of derivatives trading and swap activities - activities that allow firms to manage their market risks - have been shown to influence firm performance and risk
- White papers 2001-10-01
- A Guide to Choosing Absolute Bank Capital Requirements
- Resampling implementation of a stress-scenario approach to estimating portfolio default loss distributions is proposed as the basis for estimates of the appropriate absolute level of economic capital allocations for portfolio credit risk. Estimates are presented for stress scenarios of varying severity. Implications of use of different analysis time horizons are...
- White papers 2002-05-01
- Are Scale Economies in Banking Elusive or Illusive? Evidence Obtained by Incorporating Capital Structure and Risk-Taking
- This paper explores how to incorporate banks' capital structure and risk-taking into models of production. In doing so, the paper bridges the gulf between the banking literature that studies moral hazard effects of bank regulation without considering the underlying microeconomics of production and the literature that uses dual profit and...
- White papers 2000-05-01
Additional Resources
- Risk Management, Capital Budgeting and Capital Structure Policy for Financial Institutions
- We develop a framework for analyzing the capital allocation and capital structure decisions facing financial institutions such as banks. Our model incorporates two key features: i) value-maximizing banks have a well-founded concern with risk management; and ii) not all the risks they face can be frictionlessly hedged in the capital...
- White papers 1997-03-17
- Risk Management, Capital Budgeting and Capital Structure Policy for Financial Institutions: An Integrated Approach
- This white paper basically deals with developing a framework for analyzing the capital allocation and capital structure decisions facing financial institutions such as banks. The basic model incorporates two key features: value-maximizing banks have a well-founded concern with risk management; and not all the risks they face can be frictionless...
- White papers 2002-01-02
- Bank of Ayudhya Set to Change Its Capital Structure.
- Bangkok Post, Thailand Knight Ridder/Tribune Business News Mar. 25--Bank of Ayudhya directors yesterday approved a change in the bank's capital structure to meet Securities and Exchange Commission regulations. The bank's registered capital structure will be reduced to 4.08 billion...
- Research articles 2004-03-25
- TAG Group reorganises Capital Structure of TAG Heuer SA
- GENEVA--BUSINESS WIRE--December 19, 1995--The TAG Group has reorganised the capital structure of TAG Heuer SA, a leading maker of Swiss sports watches and chronographs.As a result, the TAG Group has retained majority ownership and extended the share capital to management, headed by Christian Viros and CWB Capital Partners, a European...
- Research articles 1995-12-19
- Managerial Incentives and the Efficiency of Capital Structure in U.S. Commercial Banking
- This paper focuses on the effects of managerial entrenchment, to consider how safety-net subsidies and financial distress costs interact with managerial incentives to influence capital structure in U.S. commercial banking. Using cross-sectional data on publicly traded, highest-level U.S. bank holding companies, the paper finds empirical evidence of Marcus' proposition (1984)...
- White papers 2003-04-01
- Mercantile Bank Q4 2007 Earnings Call Transcript
- Earnings Call ExcerptMercantile Bank Corporation MBWM Q4 2007 Earnings Call January 9, 2008, 10:00 am ET Executives Michael H. Price - Chairman President and Chief Executive Officer Robert Kaminski - Executive Vice President and Chief Operating Officer Chuck Christmas - Senior Vice President and Chief Financial...
- Earnings calls 2008-01-09
- What The Final U.S. Rules Mean For Core Banks, Opt-In Banks And Consolidated Supervised Entities
- The U.S.-based criteria for depository institutions and bank holding companies that are subsidiaries or parents of core banks are the same for both foreign and domestic depository institutions and bank holding companies. This discourages the likelihood of legal and capital structure arbitrage based on domicile of incorporation. The U.S. Basel...
- White papers 2008-04-01
- Federal Home Loan Bank System: An Overview of Changes and Current Issues Affecting the System
- The FHLBank System FHLBank System or System is a government-sponsored enterprise GSE that consists of 12 Federal Home Loan Banks FHLBanks. The primary mission of the FHLBank System is to promote housing and community development generally by making loans, also known as advances, to member financial institutions. To assist the...
- White papers 2005-04-13
- Chicago Mercantile Exchange Holdings Q2 2007 Earnings Call Transcript
- Question-and-Answer SessionOperator Operator Instructions We'll go first to Howard Chen of Credit Suisse. Howard Chen - Credit Suisse Good morning, everyone. Craig Donohue Good morning, Howard. Jamie Parisi Hi, Howard. Howard Chen - Credit Suisse Congrats on a strong quarter for both franchises. Craig Donohue Thank you....
- Earnings calls 2007-07-24
- American Capital Strategies Ltd. Q3 2007 Earnings Call Transcript
- Question-and-Answer SessionOperator [Operator Instructions]. And our first question comes from the line of Sanjay Sakhrani of KBW. Please go ahead. Sanjay Sakhrani – Keefe, Bruyette & Woods Hi. Thanks for taking my question. Just a quick question on the ’08 dividend guidance, how much of the...
- Earnings calls 2007-11-02
- For King and country
- Some very radical prescriptions for dealing with the banking sector to avoid another financial crisis of the magnitude of the one just experienced are flowing in the UK from the most authoritative of sources. That the UK is producing the most revolutionary of responses perhaps isn't surprising, given how badly...
- News items 2009-10-20
- Federal Home Loan Bank system deemed sound
- The General Accounting Office pronounced the new capital structure of the Federal Home Loan Bank system sound and recommended no change. The Gramm-Leach-Bliley Act of 1999 required the Federal Home Loan Bank system to implement a uniform capital structure. The GAO said the plan, finalized in January 2001, is a...
- Research articles 2001-09-01
- Bimini Capital Management Business Update Call Transcript
- Question-and-Answer SessionOperator Operator Instructions Your first question is from David Brooks - MidFirst Bank David Brooks - MidFirst Bank I just want a couple of things. First, there may be some concerns by participants that they participated on the Interlink about disclosure, maybe identifying themselves. Is there a way...
- Earnings calls 2009-01-09
- Funding Sources and Other Liabilities
- Any assessment of bank capital must, by necessity, include deposit structure and liquidity considerations. Proper structuring of earning assets is also incomplete and ineffective without consideration of deposit and other funding sources, inasmuch as the cost of funds comprises the most significant portion of a bank's total expenses and therefore...
- White papers
- Analyzing Borrowing Costs and Capitalization
- When a company borrows money, there are essentially two costs involved: the issuance expenses, which are fees charged to issue the loan, and the interest payments on the debt. If interest is added to the principle balance of the loan—rather than paid off—it's known as capitalization.Interest rates are usually based...
- Articles 2007-12-12
- Banks beat path to holding structure.
- Byline: Stewart Oldfield Sep 26, 2006 (The Australian Financial Review - ABIX via COMTEX) -- Two more of Australia's biggest banks are planning major restructures to free regulatory capital. The National Australia Bank and Macquarie Bank said on 26 September 2006 they are...
- Research articles 2006-09-26
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