Sentences with phrase «of financial reserves»

Consideration of certain loan characteristics in the underwriting process, such as high debt - to - income ratios and a lack of financial reserves that can result in high rates of default and foreclosure.

I think self - insurance probably makes sense once you reach a certain point of financial reserves, if you are disciplined and put a certain amount each month to cover the inevitable damage.

This means that the insurer has a good reputation for paying out its policyholder claims and that it is known for having an ample amount of financial reserves.

Michael E. Stack, CFA, Mike is a fixed income portfolio manager and serves as chair of the Financial Reserves Management Team (FRMT), responsible for managing US Broad Market portfolios for clients with customized risk and return objectives often related to accounting and / or regulatory constraints, such as insurance clients.

Not exact matches

In the opinion of the Company's management, a discussion of loss reserve development is meaningful to users of the financial statements as it allows them to assess the impact between prior and current year development on incurred claims and claim adjustment expenses, net and core income (loss), and changes in claims and claim adjustment expense reserve levels from period to period.

In the opinion of the Company's management, this measure is meaningful to users of the financial statements to understand the Company's periodic earnings and the variability of earnings caused by the unpredictable nature (i.e., the timing and amount) of catastrophes and loss reserve development.

In addition to the difficulty that many potential business owners face in accessing capital, aboriginal people have unique challenges to securing financing including legislation prohibiting the use of on - reserve assets as collateral, lack of local financial institutions to work with, and lack of access to angel investment or venture capital.

Of note is a $ 3 - billion reserve fund set aside for covering such shortfalls.Then there is the option that governments all over the world rely on: using flexibility in accounting rules to buff up the financial picture.

The good news is most believe China's vast foreign currency reserves should protect it — and the rest of the world — from a worst - case scenario: a systemic financial crisis.

In this case, the SEC accused Capital One of using loan loss reserve estimates from October 2006 through the third quarter of 2007 to understate the financial firm's auto loan losses.

He returns to her mother - in - law when he loses the money, seeing her wealth as a type of reserve fund and not appreciating the true risk of his financial decisions.

The central bank announced that it will charge an interest rate of -0.1 % for excess reserves parked at the bank by financial institutions.

And despite America's spending habits, the greenback is still seen as a safe haven whenever financial crises — including ones caused by Americans — hit because most major countries want to maintain the value of their national reserves, which include dollar - denominated assets.

First is that with our regional bank coverage we're seeing increased mortgage repurchase reserving, I just wonder if you guys saw any of those trends in your Financial Services unit in the quarter?

«To not have any reserves at all is the antithesis of financial planning,» says Fitzgerald.

Insurance and financial companies are permitted to treat the buildup of liquid reserves as an «expense» against hypothetical losses.

Viewed through this lens, it becomes apparent that the dramatic rise in the level of official reserves in much of the emerging world is not simply the consequence of a desire for a greater financial cushion against external vulnerability.

Federal Funds Purchased / Securities Sold Under Repurchase Agreement represents funds acquired from a financial institution for a limited period of time to cover reserve requirements.

Inside China, the foreign exchange reserves have been seen as a financial cushion for times of trouble.

The most directly comparable GAAP financial measure is the combined ratio, which is computed by adding total incurred losses and LAE, including the impact of catastrophe losses and loss and LAE reserve development from prior years, with the insurance expense ratio.

Federal Funds Sold / Securities Purchased Under Resale Agreement represents funds provided to a financial institution for a limited period of time to cover reserve requirements.

The expansion in the Federal Reserve's balance sheet during and after the financial crisis means that reserves are now abundant, and small adjustments in the quantity of reserves will not have much influence on overnight interest rates.

As per the company's latest financial results, it has a cash reserve of $ 26 billion.

The financial sector rose nearly 1 per cent, after the People's Bank of China said late on Tuesday it would slash reserve requirement ratios (RRRs) for most banks by 100 basis points (bps), a move analysts say will reduce financing costs for lenders.

Whereas the world's financial system formerly rested on gold, central bank reserves now are held in the form of U.S. Treasury IOUs that can be run up without limit.

A review of procedures used to estimate reserves related to group annuitants led Brighthouse Financial to financial adjustments negatively impacting its fourth - quarterFinancial to financial adjustments negatively impacting its fourth - quarterfinancial adjustments negatively impacting its fourth - quarter numbers.

Specifically, a sudden expansion of financial liquidity in the world's leading banking centers — whether an increase in British gold reserves in the 1820s or the massive transformation in the 1980s of illiquid mortgage loans into very liquid mortgage securities, or some other structural change in the financial markets — has been the catalyst behind every period of globalization.

Venture lenders (individuals or groups with a pool of money, or specialized banking organizations)-- they may provide term and short - term loans to technology businesses earlier than these loans would become available from traditional financial institutions; however, these loan facilities are usually reserved for businesses that have received venture capital investment and / or can demonstrate their ability to make loan payments from cash flow.

As I've already noted, Fed policies have significant effects internationally, given the central place of U.S. markets in the global financial system and the dollar's status as the leading global reserve currency.

Economic polarization between creditors and debtors is aggravated by tax cuts for the wealthy and a reclassification of financial and real estate returns as capital gains or various forms of untaxed «reserve» funds.

It proposes to increase its holdings of «liquid financial assets» by $ 35 billion in the form of domestic cash deposits and foreign exchange reserves.

They house the gold reserves of governments and some of the biggest financial institutions in the world.

The Federal Reserve is pumping liquidity and reserves into the financial system to reduce interest rates, ostensibly to enable banks to «earn their way» out of negative equity resulting from the bad loans made during the real estate bubble.

The future of the US dollar as the global reserve currency is one of the special topics tackled in great detail this year, as is the rise of populist politics, and potential «black swans» or «gray swans», which continue to lurk in the global financial landscape, awaiting discovery by the unwary.

Although it's true that financial repression has traditionally been practiced using the stick of high mandatory reserve requirements, whereas the Fed has instead been employing carrots in the shape of ON - RRP and IOER interest incentives, the ultimate result — more credit for the government, and less for everyone else — is the same.

By contrast, India has lost 50 % of its value [of FX reserves] in years 2011 and 2012 as a result of the financial crisis and because of bad financial management.

Company management determined the prior release of group annuity reserves resulted from a material weakness in internal control over financial reporting.

As with Fed funds, reverse repo rates, Interest on excess reserves, and LIBOR, the price of gold pings an important signal as to risk, the cost of capital, the state of the financial markets, and economic well - being in general.

So, fractional reserve banking caused financial panics and boom - bust economic cycles in the US prior to the creation of the Fed, but crises and recessions in the pre-Fed era were relatively short and the economy tended to recover far more quickly.

Upturn in Sentiment Buoys Some Emerging - Market Risk Assets There has been a welcome stabilization in global financial markets in recent weeks, which has been helped by indications from the European Central Bank (ECB) that it stood ready to expand its quantitative easing (QE) program, the possibility that the Bank of Japan (BOJ) might do the same, and a decision by the People's Bank of China (PBOC) to further cut interest rates and relax reserve requirements.

He also works as a Fixed - Income Portfolio Manager on the Financial Reserves Management Team, focusing on maximizing relative - value opportunities in the municipal bond portion of these portfolios.

Traditionally, large global money center banks served to reduce such market volatility by buying and selling reserves of securities and other financial instruments to take advantage of short - term anomalies in market prices.

We hypothesize that, having learned from the misadventures of the 1960s, the policy elites, well versed in the practice of financial engineering and market manipulation, would have seen no need to dump stocks of government gold reserves onto the market, 1960s style, to keep the price in check.

For the time being, much of the analysis on the financial losses focuses on the plunge in oil and coal prices, and the potential that a huge portion of the global reserves of oil, gas, and coal will be «stranded» in the ground to curb climate change.

In the meantime, he may be trusting that U.S. financial institutions with $ 1.9 trillion of excess reserves — funded wholly by the Fed's quantitative easing — will keep banks afloat with enough of a cushion to withstand any coming storm.

Indeed, since the quantity of circulating currency tends to grow along with the extent of commercial - bank deposit creation, that quantity itself ultimately depends on the quantity of reserves that central banks make available to private financial firms.

In late - 2012, the agency's reserves went negative, the result of a higher - than - expected number of claims for FHA - insured loans from between 2007 - 2009, and the agency's own misread of its financial position.

To the uninitiated, market trading may sound like something reserved for the financial elite, but with the proliferation of online currency exchanges and trading platforms, anyone can take part in market speculation.

The banks that receive the new reserves will then have more «raw material» on hand to support their own and, eventually, other financial firms» creation of various kinds of money substitutes.

The «Gen X» Model: Jude Boudreaux of Upperline Financial built this fee model around his target client, the Gen X client without large, liquid asset reserves.