BankThink

How Can Megabanks Revamp Their Image? Go Back to Basics

04/01/13

Human enterprise is powered by financial resources and expertise. Banks truly can help people in all walks of life accomplish what they set out to do.

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House Overdraft Bill Will Hurt Consumers

03/28/13

Limiting the number of overdraft fees could cause consumers to miss important payments, be denied necessities and wind up with negative information on their credit reports.

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Cyprus Banks Reopen; DOJ's Breuer Gets New Job; Moynihan Wants to Stay B of A CEO for Life

03/28/13

Receiving Wide Coverage ...

Reopened: Cypriot banks reopened this morning, after being closed for nearly two weeks due to the country's financial crisis, but there are limits to what customers can do at their branches. Per the Post, cash withdrawals will be limited to 300 euros ($383) per person a day, transactions with other countries will be capped at 5,000 euros and those travelling won't be able to take more than 1,000 euros (as well as...

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The Best Loan Policies Consider a Bank's Community

03/28/13

Tailoring a bank's loan policy to the business available in its trade area tends to effectively reduce loan losses and prevent credit debacles.

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'Too Big to Jail' Symptomatic of What's Wrong with Federal Oversight

03/27/13

Ineffective regulation creates a false sense of confidence that causes people and markets to be less diligent than they otherwise would be.

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Basel's Treatment of GSE Securities Poses Risk to Housing Recovery

03/27/13

Restricting the use of Fannie Mae and Freddie Mac securities in computing the LCR may raise mortgage costs and negatively impact banks' ability to manage liquidity risk.

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Cypriot Saga Plays On; Citi Spanked; Buffet's Goldman Play

03/27/13

Receiving Wide Coverage ...

More Cyprus: The FT surveys some of the fallout from efforts to shore up Cyprus' insolvent banks, noting that the damage is rippling in all directions and hitting businesses only loosely related to the country's formerly booming offshore financial sector. Some analysts are predicting the Cypriot economy will shrink 10% or more this year, the FT reports. ...

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Regulators Make Right Call on CRA Revisions

03/27/13

New Community Reinvestment Act guidelines will reduce paperwork burdens, open up new areas for assistance and make clear that banks falling short will hurt their overall lending test performance.

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Canada's Bail-In Plan for Systemically Important Banks Is Credit Negative

03/26/13

An effective bail-in regime increases the government's ability to impose losses on debtholders and a lower probability of systemic support could increase bank funding costs.

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Big Bank CEOs Must Rally Against Breakup Talk

03/26/13

Congress and regulators are listening. Silence among big bank representatives can be viewed as a green light to pass legislation that limits the size of their financial institutions.

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