Sentences with phrase «lower loan losses»

For most banks, loan impairment charges as a percentage of total loans have been falling, which again means lower loan losses.

The bank was able to lower its loan loss provision by 88 % year over year, indicating that management has engineered a dramatic improvement in its problem loan portfolio.

Not exact matches

«Increased losses are emanating from weaker collateral pools in the 2013 - 2015 transactions, which have weaker credit quality including lower FICO scores, higher amounts of extended term loans (over 60 months) and higher LTVs [loan to value ratios],» Fitch Ratings analysts wrote Thursday.

And keep in mind that these potential losses come at a time when banks have put aside loan loss reserves to cover just 1.4 % of their lending portfolio, their lowest in years.

«If there are any negative effects of low rates on net interest income in the future, they should be largely offset by the positive effects of monetary stimulus on the other main components of profitability, such as the quality of loans and therefore on loan - loss provisions,» Draghi added.

During the period of rising prices, defaults and loan losses were very low.

target and maximum levels, assumed, for Mr. Hoyt's Wholesale Banking Group, continued double - digit loan growth and favorable credit quality; for Mr. Oman's Home and Consumer Finance Group, improvement in the home mortgage business due to cost control and expected improvements in the yield curve favorably affecting earnings from hedging activities; and for Ms. Tolstedt's Community Banking Group, growth in deposits, especially low or no - cost core deposits, continued loan growth, and stable credit loss rates.

Achievement of these goals was considered by the HRC as very challenging, even aggressive, given the expected modest economic growth for 2007 for the financial services industry, the impact and duration of the on - going flat / inverted yield curve (meaning short - term interest rates that are virtually equal to or exceed long - term interest rates, thus lowering profit margins for financial services companies that borrow cash at short - term rates and lend at long - term rates), potentially higher credit losses, fewer available high - quality, high - yielding loans and investment opportunities, and a consumer shift from non-interest to interest - bearing deposits.

But with FDIC reports noting that large commercial banks have the lowest level of loan loss reserves in a decade, and showing concerns about deterioration in credit quality and regional risk factors, Superior is a microcosm of a much broader problem.

Superior's loan portfolio leaned toward lower credit risks, and it maintained a minimal amount of capital to shield it from loan losses.

Investing in higher - yielding, lower - rated, floating - rate loans and debt securities involves greater risk of default, which could result in loss of principal — a risk that may be heightened in a slowing economy.

«Lower oil prices are slowing growth and curbing income, exposing lenders to losses through commodity - related loans and security holdings» said the Bank of Canada.

Partly as a result of the lower arrears rate on the Australian non-conforming loans, «buy - and - hold» investors have suffered very few losses on securities backed by the Australian non-conforming loans.

In the case of a job loss or other unforeseen event, the bank can take your hard - earned equity, and will be more willing to do so if you have a very low loan balance compared to the home's value.

By our analysis, SNV is a high risk, low reward stock... Given the significant losses SNV will face across its loan portfolio and particularly in its construction and development portfolio.»

NMIC's residential mortgage insurance products primarily provide first loss protection on loans originated by residential mortgage lenders and sold to the GSEs and on low down payment loans held by portfolio lenders.

The 21 - year - old is a left - back who has been on loan at various lower division sides since making his Red Devils debut in their League Cup loss to MK Dons back in August.

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DHSES Commissioner Roger L. Parrino said, «I am pleased that SBA has granted Governor Cuomo's request for low interest loans for those who have suffered losses from these storms and flooding.

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Branches make up about 40 - 60 % of the operating costs of most banks, and coupled with the low interest rates on loans, this means that offering anything over the bare minimum amount of interest means that your bank is operating at a loss.

MI provides loan level protection against first losses on individual low down payment mortgage loans — and in doing so, promotes broad access to sustainable homeownership for credit worthy borrowers while enhancing stability and liquidity in the housing finance system.

And then it makes more money per dollar of loans it makes because it receives a high yield for these loans while simultaneously charging off a lower than normal amount of each loan each year for its losses.

Apart from the fact that it helps FHA protect the lenders from possible losses that may arise as a result of defaults by the borrowers, it also helps the borrowers assess the FHA loans at lower rates.

The first reason why VA mortgage rates are low is because VA home loans are guaranteed against loss by the Department of Veterans Affairs.

Be aware, though, that unsecured debt consolidation loans would be lower regarding how much cash you can expect to receive, because the lender is taking a greater risk with no assets to reduce the loss should a borrower default.

Because the FHA insures lenders against loss, recently, FHA mortgage rates have been lower than rates for non-insured, comparable conventional loans.

In order to reduce that risk, Congress required the GSEs to obtain credit enhancement on low down payment loans — most often in the form of MI — so that private capital, and not taxpayers, is first in line to pay when there is a default - related loss.

The problem for many consumers is that they can't get approved for a low - interest consolidation loan due to credit issues or they can't afford to pay the loan back due to loss of income.

In an August 2017 report, the Urban Institute found that GSE loans with MI consistently have lower loss severities than those without MI.

A low down payment loan is considered a greater risk for the lender, and mortgage insurance protects the lender against their risk of loss due to default.

Today, private capital in the form of mortgage insurance (MI) already provides significant risk protection against losses on low down payment loans.

If you're struggling to pay back a loan due to a loss of income or other hardship, refinancing for a lower payment may be able to help your situation.

You'll have more options (and get better terms) for a house with a high appraised value and a low mortgage balanceits a low - risk loan for a bank to recoup its loss in the event you default on the loan.

In fact, for nearly 20 years, loans with MI have exhibited lower loss severity each origination year.

Any number of scenarios can compromise a borrower's ability to manage their student loans, from a job loss, to a lower - paying career change (think nonprofits), to a short - term disability.

Even in the face of astounding low mortgage rates including a shrinking jumbo spread (current best rates in your area), housing just isn't moving the dial and many investors fear with the expiration of the new homebuyer tax credit and a recent report outlining a massive drop in credit scores of Americans this year, we're looking at a new leg down in housing, which could crush Financials again, especially in the loan loss bucket.

Low income or no income mortgage can be required at any time due to loss of employment, where you find yourself looking for a low or no income mortgage loan to get you through these tough timLow income or no income mortgage can be required at any time due to loss of employment, where you find yourself looking for a low or no income mortgage loan to get you through these tough timlow or no income mortgage loan to get you through these tough times.

Because of the losses that could occur, major investors require mortgage insurance on all loans made with low down payments.

Our programs, including Accel Member Financial Counseling and GreenPath Financial Wellness Services, have been proven to help lower credit union loan losses and delinquencies.

This may lead to increases in charge - off rates from these historically low levels, but issuers will feel that the resulting growth in noninterest and net interest income will more than offset any rises in provisions for loan losses and noninterest expenses, such as marketing costs.

This is because book values of assets (and hence equity) are usually lower than their market value (e.g. due to historical cost convention and impairment losses) whereas the book value of debt remains relatively close to its market value (e.g. interest on bank loan is usually adjusted periodically in line with prevailing market interest rates).

First, rising interest rates impose losses on unhedged depository institutions that hold long - term, fixed - rate loans made at low rates.

Bank loans tend to have low default rates, and when they do default, losses are smaller than for bonds.

'' [W] hen loan default rates are low — there would be limited or no reinsured losses; and in other years — when loan default rates are high — there would be significant reinsured losses and, correspondingly, significant reserves,» he wrote.

Nonetheless, these higher fico mortgages are expected to result in lower losses, so FHA should make money on mortgage loans issued this year and over the next few years, according to an independent audit designed to gauge the agency's health.

Floating - rate loans are lower - rated, higheryielding instruments, which are subject to increased risk of default and can potentially result in loss of principal.

While rates will most likely rise again, for now these low figures coupled with the growing economy make it unlikely that the auto loan industry will experience any major loss in the immediate future.

VA mortgage rates are often low when compared to FHA loans and conventional loans because the VA guaranty's 25 % loss coverage means that a bank's risk in foreclosure is virtually nil.

Prestige says its loans experience relatively low losses because borrowers have discharged many of their other debts in bankruptcy, freeing up more cash for their car payments.