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	<description><![CDATA[White papers, case studies, business articles, and blog posts relating to npl]]></description>
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		<title><![CDATA[Zions Bancorporation Q2 2009 Earnings Call Transcript]]></title>
		<link><![CDATA[http://www.bnet.com/2462-14037_23-322815.html]]></link>
		<description><![CDATA[ Question-and-Answer Session Operator Your first question comes from Brian Foran - Goldman Sachs. Brian Foran - Goldman Sachs I guess one of the big concerns with Zions is that the balance sheet keeps getting a little bit more opaque each quarter and it&#8217;s not a criticism. I realize you&#8217;re...]]></description>
		<s:doctype><![CDATA[Earnings calls]]></s:doctype>
		<pubDate>Mon, 20 Jul 2009 19:26:17 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/goldman+sachs+group+inc..html"><![CDATA[Goldman Sachs Group Inc.]]></category>
		<category domain="http://resources.bnet.com/topic/zions+bancorporation.html"><![CDATA[Zions Bancorporation]]></category>
		<category domain="http://resources.bnet.com/topic/call+transcript.html"><![CDATA[Call Transcript]]></category>
		<category domain="http://resources.bnet.com/topic/earnings.html"><![CDATA[Earnings]]></category>
		<category domain="http://resources.bnet.com/topic/balance+sheet.html"><![CDATA[Balance Sheet]]></category>
		<category domain="http://resources.bnet.com/topic/npl.html"><![CDATA[NPL]]></category>
		<category domain="http://resources.bnet.com/topic/balance+sheets.html"><![CDATA[Balance Sheets]]></category>
		<category domain="http://resources.bnet.com/topic/financial+accounting.html"><![CDATA[Financial Accounting]]></category>
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		<category domain="http://resources.bnet.com/topic/financial+services.html"><![CDATA[Financial Services]]></category>
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		<category domain="http://resources.bnet.com/topic/seeking+alpha.html"><![CDATA[Seeking Alpha]]></category>
		<category domain="http://rss.financialcontent.com/stocksymbol">GS</category>
		<category domain="http://rss.financialcontent.com/stocksymbol">ZION</category>
		<category domain="tickers">GS,ZION</category>
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		<title><![CDATA[Zions Bancorporation Q1 2009 Earnings Call Transcript]]></title>
		<link><![CDATA[http://www.bnet.com/2462-14037_23-290429.html]]></link>
		<description><![CDATA[ Question-and-Answer Session Operator Operator Instructions  Your first question comes from the line of Ken Zerbe &#8211; Morgan Stanley. Ken Zerbe &#8211; Morgan Stanley My first question is on the other real estate expense line, is that only related to further marks on your OREO properties?  Because I...]]></description>
		<s:doctype><![CDATA[Earnings calls]]></s:doctype>
		<pubDate>Mon, 20 Apr 2009 21:54:16 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/zions+bancorporation.html"><![CDATA[Zions Bancorporation]]></category>
		<category domain="http://resources.bnet.com/topic/call+transcript.html"><![CDATA[Call Transcript]]></category>
		<category domain="http://resources.bnet.com/topic/earnings.html"><![CDATA[Earnings]]></category>
		<category domain="http://resources.bnet.com/topic/morgan+stanley.html"><![CDATA[Morgan Stanley]]></category>
		<category domain="http://resources.bnet.com/topic/reserve.html"><![CDATA[Reserve]]></category>
		<category domain="http://resources.bnet.com/topic/npl.html"><![CDATA[NPL]]></category>
		<category domain="http://resources.bnet.com/topic/real+estate.html"><![CDATA[Real Estate]]></category>
		<category domain="http://resources.bnet.com/topic/business+operations.html"><![CDATA[Business Operations]]></category>
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		<category domain="http://resources.bnet.com/topic/seeking+alpha.html"><![CDATA[Seeking Alpha]]></category>
		<category domain="http://rss.financialcontent.com/stocksymbol">MS</category>
		<category domain="http://rss.financialcontent.com/stocksymbol">ZION</category>
		<category domain="tickers">MS,ZION</category>
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	<item>
		<title><![CDATA[People&#8217;s United Financial, Inc., Q1 2009 Earnings Call Transcript]]></title>
		<link><![CDATA[http://www.bnet.com/2462-14037_23-289771.html]]></link>
		<description><![CDATA[ Question-and-Answer Session Operator Operator Instructions.  Your first question comes from the line of Ken Zerbe with Morgan Stanley. Ken Zerbe &#8211; Morgan Stanley On your NIM, I was hoping you could address the near-term outlook or your philosophy here.  Obviously you have been shifting a little bit...]]></description>
		<s:doctype><![CDATA[Earnings calls]]></s:doctype>
		<pubDate>Fri, 17 Apr 2009 18:13:21 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/call+transcript.html"><![CDATA[Call Transcript]]></category>
		<category domain="http://resources.bnet.com/topic/earnings.html"><![CDATA[Earnings]]></category>
		<category domain="http://resources.bnet.com/topic/morgan+stanley.html"><![CDATA[Morgan Stanley]]></category>
		<category domain="http://resources.bnet.com/topic/people%2527s+united+financial+inc..html"><![CDATA[People's United Financial Inc.]]></category>
		<category domain="http://resources.bnet.com/topic/npl.html"><![CDATA[NPL]]></category>
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		<category domain="http://resources.bnet.com/topic/seeking+alpha.html"><![CDATA[Seeking Alpha]]></category>
		<category domain="http://rss.financialcontent.com/stocksymbol">MS</category>
		<category domain="http://rss.financialcontent.com/stocksymbol">PBCT</category>
		<category domain="tickers">MS,PBCT</category>
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		<title><![CDATA[iStar Financial Q4 2008 Earnings Call Transcript]]></title>
		<link><![CDATA[http://www.bnet.com/2462-14037_23-273392.html]]></link>
		<description><![CDATA[ Question-and-Answer SessionOperator Thank you. Operator Instructions. And our first question is from the line of Ee Lin See with Sirios Capital. Please go ahead. Ee Lin See - Sirios Capital Management Hi, thanks for taking my call. Could you just explain how you decide to have reserves as a...]]></description>
		<s:doctype><![CDATA[Earnings calls]]></s:doctype>
		<pubDate>Thu, 26 Feb 2009 13:45:33 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/asset.html"><![CDATA[Asset]]></category>
		<category domain="http://resources.bnet.com/topic/call+transcript.html"><![CDATA[Call Transcript]]></category>
		<category domain="http://resources.bnet.com/topic/earnings.html"><![CDATA[Earnings]]></category>
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		<category domain="http://resources.bnet.com/topic/npl.html"><![CDATA[NPL]]></category>
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		<category domain="http://resources.bnet.com/topic/seeking+alpha.html"><![CDATA[Seeking Alpha]]></category>
		<category domain="http://resources.bnet.com/topic/istar+financial+inc..html"><![CDATA[iStar Financial Inc.]]></category>
		<category domain="http://rss.financialcontent.com/stocksymbol">SFI</category>
		<category domain="tickers">SFI</category>
	</item>
	<item>
		<title><![CDATA[iStar Financial, Inc. Q3 2008 Earnings Call Transcript]]></title>
		<link><![CDATA[http://www.bnet.com/2462-14037_23-245479.html]]></link>
		<description><![CDATA[ Question-and-Answer SessionOperator Thank you. Operator Instructions And our first question comes from the line Ee Lin See with Credit Suisse. Please go ahead. Ee Lin See - Credit Suisse Hi, good morning. I have three questions. The first one is why do you think the total loss coverage of...]]></description>
		<s:doctype><![CDATA[Earnings calls]]></s:doctype>
		<pubDate>Fri, 31 Oct 2008 09:55:22 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/transaction.html"><![CDATA[Transaction]]></category>
		<category domain="http://resources.bnet.com/topic/call+transcript.html"><![CDATA[Call Transcript]]></category>
		<category domain="http://resources.bnet.com/topic/earnings.html"><![CDATA[Earnings]]></category>
		<category domain="http://resources.bnet.com/topic/question.html"><![CDATA[Question]]></category>
		<category domain="http://resources.bnet.com/topic/istar+financial+inc..html"><![CDATA[iStar Financial Inc.]]></category>
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		<category domain="http://resources.bnet.com/topic/call+transcript.html"><![CDATA[Call Transcript]]></category>
		<category domain="http://resources.bnet.com/topic/earnings.html"><![CDATA[Earnings]]></category>
		<category domain="http://resources.bnet.com/topic/question.html"><![CDATA[Question]]></category>
		<category domain="http://resources.bnet.com/topic/istar+financial+inc..html"><![CDATA[iStar Financial Inc.]]></category>
		<category domain="http://resources.bnet.com/topic/npl.html"><![CDATA[NPL]]></category>
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		<category domain="http://rss.financialcontent.com/stocksymbol">SFI</category>
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		<title><![CDATA[Identifying Threshold Effects in Credit Risk Stress Testing]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=157255]]></link>
		<description><![CDATA[Using data from Argentina, Australia, Colombia, El Salvador, Peru, and the United States, this report identifies three types of threshold effects when assessing the impact of economic activity on Nonperforming Loans NPLs. For advanced financial systems showing low NPLs, there is an embedded self-correcting adjustment when NPLs exceed a minimum...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Sun, 01 Aug 2004 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/threshold.html"><![CDATA[Threshold]]></category>
		<category domain="http://resources.bnet.com/topic/npl.html"><![CDATA[NPL]]></category>
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		<category domain="http://resources.bnet.com/topic/finance.html"><![CDATA[Finance]]></category>
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