Council Members in this Study Group: 77
This study group may include experts knowledgeable on commercial banking, retail banking, asset management, mortgages, consumer finance, exchanges, capital markets, transaction processing, credit cards, insurance, and business services.
Leading institutions connect with members of this Study Group through GLG
Nathaniel FinkinManaging Partner and Principal
Finkin Capital Advisors![]()
Nathaniel Finkin is the Managing Partner and a Principal of Finkin Capital Advisors, a firm started in 2008 that provides consulting and advisory services in the areas of debt and equity arrangements, capital structure, cash flow management, efficiency,...
President
KW Marketing Consultant![]()
Kamala Worthington is the President of KW Marketing Consultant. She was the Vice President and Marketing Product Manager for the ATM Channel at Bank of America, where she was responsible for conducting market research & competitive analysis to determine...
Bruce CundiffResearch Director
JAVELIN STRATEGY & RESEARCH INC.![]()
Bruce Cundiff is the Director of Research at Javelin Strategy & Research, a provider of primary syndicated and custom market research and advisory services focused on financial services, payments, identity fraud and electronic commerce. The firm’s typical...
Former Senior Vice President, Asst. Chief Tech. Officer
Amegy Bank of Texas![]()
Rocky Atwood was a Senior Vice President and CTO for Amegy Bank, a commercial bank with $7.5 billion in assets from 1991–2006. Mr. Atwood was the manager of the technology strategy group and developed strategic plans for technology platforms at the enterprise...
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UK banking landscape presents potential for new competitors
September 21, 2009
State Bank of India open to acquisitions in UK | www.reuters.com
The large scale nationalization of the UK banking system leaves open the possibility for new players to enter the marketplace and compete. While American banks are still struggling en masse with capital issues, many foreign banks are not facing those same issues, and are likely to consider the UK for expansion opportunities.
Higher defaults in a CRE book don't necessarily translate to more losses
September 16, 2009
Wells Fargo, Fifth Third Add to Predictions of Higher Defaults | www.bloomberg.com
One of the most compelling contrasts between the 2007-08 (and still ongoing) meltdown in the residential housing market, vs. the forecast bubble-burst in commercial real estate for 2009-10, is the methodology banks and lenders use to forecast losses. This contrast will definitely lend itself to more transparency and clarity with this current lending crisis vs. the previous residential and consumer meltdown.
Capital One will be pressured along several fronts in 2009
June 11, 2009
Capital One Looks to Adapt to Credit Card Laws | www.washingtonpost.com
1) The CARD act of 2009 will impair fee collection, and absent a new drive to assess annual fees to their better clients it will be challenging if not impossible to recoup those fees. 2) Capital One will be dealing with rising unemployment, which has and will continue to correlate directly to higher delinquency and higher charge offs 3) The response to these events from a risk management perspective will inhibit asset growth and thus compound the earnings issue
April 22, 2009
Employers to close more pension schemes as funding shortfall hits record | www.telegraph.co.uk
1) The nature of the employment landscape has so fundamentally changed over the last 30 years that the retirement vehicles put into place to help employees are nearly obsolete. 2) Pensions, in addition to their nearing obsolecence, are becoming significant liabilities for firms, who are struggling with record violatility in the value of their pension funds 3) Firms are finding and utilizing alternative solutions to provide employees with enhanced retirement benefits
Look out for regionals in 2009
March 16, 2009
Surge in Bank Failures Expected in '09 | online.wsj.com
1) Regional banks do not have a diverse income stream, and are heavily reliant upon net interest margin and "balance sheet banking" to generate income 2) While bank failures will likely be concentrated in certain marketplaces, the likelyhood of failure or success has more to do with reliance upon loan performance and less to do with size or location 3) Larger banks have mostly divested themselves of toxic assets, and the financial services sector as a whole has largely digested the mortgage meltdown.
| Study Group Name | No. Members |
|---|---|
| Financial Printing Experts | 272 |
| Commercial Printing Experts | 1350 |
| Check Processing Experts | 643 |
| Core Bank Processing Experts | 463 |
| Deluxe Corporation Experts | 40 |
| Online Payment Experts | 507 |
| Fidelity National Information Services Experts | 107 |
| Core Banking Processing Solutions Evaluators and Purchasers | 53 |