Sentences with phrase «on loan loss»

A 2012 PCAOB inspection report of KPMG deficiencies cited its failures to question management judgment, including failure to test management's assumptions on loan loss reserves.

another cool billion expensed in H1 - 2013 on loan losses / provisions & exceptionals) still equates to a sub-5 % return on equity.

Not exact matches

The firm's mortgage investment corporation has about 2,400 such loans in its portfolio, with an average size of $ 85,000, and says it maintained a $ 4.3 - million loan loss provision on a $ 214 - million portfolio last year.

By comparison, a stress test on America's largest banks in 2009 found that in a worst - case scenario, losses at the 19 banks would hit 9.1 % of their loan portfolio, although, admittedly, many believe in reality it was far higher.

Banco Espirito Santo's collapse came after it unveiled losses on loans made to an assortment of companies run by its founding family.

The small - business committees still fume about the loss of the LowDoc program, a variation on the 7 (a) that catered to less established borrowers with smaller loans.

The negative consequences of pushing more debt on households is also obvious: more loans become uncollectible and go into default, creating more loan losses for banks.

An outspoken critic of Europe's central banks recently, Falkengren has focused on building capital buffers in case of unexpected losses — and, for retail clients, limiting their exposure to risky loans.

Certain themes emerge, in Google's 2016 report, on how the company is fighting bad ads and scammers: Weight - loss, payday loans, tabloid cloaking, fake news, pharmaceuticals and other healthcare products, plus gambling come up time and again.

However, the quarter was the first to reflect a new accounting standard that puts a greater emphasis on a banks» expected losses over the life of the loan.

The ranking was based on five factors: Tier 1 capital compared with risk - weighted assets; nonperforming assets against total assets; loan - loss reserves to nonperforming assets; deposits to funding; and efficiency, a measure of costs to revenue.

On average, high - yield bonds are trading at 86 cents on the dollar, meaning the market is predicting a 14 % loss on the loanOn average, high - yield bonds are trading at 86 cents on the dollar, meaning the market is predicting a 14 % loss on the loanon the dollar, meaning the market is predicting a 14 % loss on the loanon the loans.

«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.

They didn't do their due diligence in lending, and the German and French taxpayers are being fleeced by way of Greece to keep them whole, when they should be accepting the losses on loans they never should have made, and moved on.

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.

The more immediate consequence may be the loss of benefits on your loans, like interest rate discounts.

Recognizing losses on bad loans can mean pushing corporate borrowers into bankruptcy and households into foreclosure.

The SBA requires that all approved SBA loan applicants must designate lender's loss payable on their insurance policy when their business property is used as collateral for the loan.

It should be noted that a big part of the increase in Synovus is due to its shrinking provision for loan losses (what it expects to lose on the loans it makes); however, the bank did see its expenses fall by $ 50 million over the first nine months of the year and, in 2012, it actually realized a benefit of $ 2 million from taxes versus an expense of $ 72 million in 2013.

When your business is expanding operations, starting on a new project or getting back on track after losses you might need a small business loan.

Can losses on loans held within my IFISA be offset against income from other LendingCrowd investments?

My favorite parts: Creditors who lent to these energy producers will suffer losses on their loans, and they too might become financially impaired.

The knock - on effect is that Synchrony boasts steep loan losses and, consequently, high charge - offs.

This does not necessarily mean the position will result in a loss; in the vast majority of cases (90 % +), these loans go on to successfully repay in full.

In the event, credit spreads will widen, loss rates on loans and credit products will accelerate, and the US economy may slowly slip into a stall.

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.

With the creation of the G.I. Bill that year, the VA Home Loan Guaranty program was established, which guaranteed lenders against loss on mortgage loans made to veterans.

JPMC received more than $ 2.7 million in fees on the offering and investors suffered losses of at least $ 37 million on undisclosed delinquent loans.

Finally, if the loan is bundled, Fannie and Freddie make a secondary sale by offering this security to investors and providing an insurance policy against losses on loans included in the security.

Adjusted EBITDA and segment Adjusted EBITDA reflect adjustments for interest expense, net, income tax expense (benefit), depreciation and amortization, including accelerated depreciation, and the following adjustments discussed above: non-cash mark - to - market adjustments and cash settlements on interest rate swaps, provision for legal settlement, transaction costs and integration costs, restructuring and plant closure costs, assets held for sale, inventory valuation adjustments on acquired businesses, mark - to - market adjustments on commodity and foreign exchange hedges and foreign currency gains and losses on intercompany loans.

At the same time, it is not out of the question that we may be quietly allowing U.S. banks to go insolvent without disclosure, covering the losses over time out of wide interest spreads on existing loans, and that we may be able to avoid outward evidence of mortgage deterioration simply by allowing the Treasury to go further and further into deficit on behalf of the GSEs.

The administration's program attempts to help these financial firms by guaranteeing losses on SBA loans and reducing the fees they pay to provide this type of debt.

For example, if a borrower defaults on their mortgage, Fannie and Freddie are responsible for the losses on the loans they guarantee to investors, while Ginnie Mae is financially responsible for the bond payments to the holders of Ginnie Mae securities.

Combined with the fact that you pay the short term gains taxrate on the interest no matter what and at best you get a capital loss when a loan goes into default means the 6 - 9 % Lending Club claims investors average is probably closer to something like 3 - 5 % after the unfavorable tax treatment.

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 Public Accounts / Budget include provisions with respect to certain liabilities, such as environmental liabilities, potential losses resulting from court cases, potential losses on loans and loan guarantees, etc. even though no cash payments have been made.

People who invest through peer - to - peer lending platforms may be able to offset losses from bad loans against gains from other loans when calculating tax on the interest they've earned.

Among them are the rights to: bullet joint parenting; bullet joint adoption; bullet joint foster care, custody, and visitation (including non-biological parents); bullet status as next - of - kin for hospital visits and medical decisions where one partner is too ill to be competent; bullet joint insurance policies for home, auto and health; bullet dissolution and divorce protections such as community property and child support; bullet immigration and residency for partners from other countries; bullet inheritance automatically in the absence of a will; bullet joint leases with automatic renewal rights in the event one partner dies or leaves the house or apartment; bullet inheritance of jointly - owned real and personal property through the right of survivorship (which avoids the time and expense and taxes in probate); bullet benefits such as annuities, pension plans, Social Security, and Medicare; bullet spousal exemptions to property tax increases upon the death of one partner who is a co-owner of the home; bullet veterans» discounts on medical care, education, and home loans; joint filing of tax returns; bullet joint filing of customs claims when traveling; bullet wrongful death benefits for a surviving partner and children; bullet bereavement or sick leave to care for a partner or child; bullet decision - making power with respect to whether a deceased partner will be cremated or not and where to bury him or her; bullet crime victims» recovery benefits; bullet loss of consortium tort benefits; bullet domestic violence protection orders; bullet judicial protections and evidentiary immunity; bullet and more...

The only change is that now the extrinsic title of loss can be assumed to exist on loans.

However the company argued that at a comparable operating level (ie without the effect of the volatile exchange rate) operating profit was up 15 % to # 851,000, but it was non-operating exchange losses on long term loans and new hedging contracts taken out shortly before the end year that had hit this figures, after resulting in charges of over # 450k.

Sending Chambers on loan wouldn't be such a loss as he's hardly put a foot............... or two right since his arrival.

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.

I so agree with you Not sure if he wanted to go or Aw wanted him gone Going out on loan i felt made him a better keeper Now juvu will benefit from our loss and now we will need to spend 30 to 40 mill... how mad are we....

My vote is drop # 35m on Reus, loan them gnabry to soften the loss, and groom Danny for the ST role from next year on.

Wenger could've had Song on loan to play that DM role, and it's looking a s such an opportunity loss.

Sanogo, Akpom, Silva, Miyaichi, Campbell, for me Miyaichi Campbell should be sold best for both parties and Sanogo and Akpom should be loaned, although am leaning towards cutting losses on Sanogo as it is a valuable place within our team... not sure what to make of Siva and doubt that he would get as much game time as Gnabry might.

Once again I reckon Martinez will end up going out on loan for the duration of the season, but surely there's a point where The Gunners and Martinez will have to cut the losses between them and part ways.

Sanogo spent the second half of last season on - loan at fellow London side Crystal Palace, however, a combination of injuries and a loss of form limited him to just three starts under manager Alan Pardew and the 22 - year - old is remarkably yet to score a Premier League goal for either club.

The 21 - year - old Belgium striker, who Everton paid a club record 28 million pounds for last summer to recruit him from Chelsea after having him on loan for the previous season, was quoted last week following a 1 - 0 loss to his former employers as saying he would like to «eventually arrive at a top club again.»

On loan Arsenal Nigerian midfielder Kelechi Nwakali scored his second goal of the season despite MVV Maastricht slipping to a 2 - 1 loss away to Den Bosch.