All GLG News Analyses Filed Under: Commercial & Retail Banking

James McMahonPresidentJM Bear Advisors

Your Credit Score !!! Ways to Maintain The Best Credit Score Possible

May 25, 2009

Analysis of:My Analyses | news.glgroup.com

At this point in time it is imperative that every individual spend as much time and take as much effort possible to insure that they have the best possible personal credit bureau score. Regqardless iof what bureau is used (TransUnion, Experiein or Equipfax) and what credit score model is used (FICO or Vantage Score).  With lenders being very picky as to whom they lend to the best credit score will win the hearts and minds of the lender.

An Opposite Perspective -- iShares Should be Sold, not BGI -- BGI is the "Beating Heart"

May 22, 2009

Analysis by: GLG Expert Contributor

Analysis of:Barclays shares surge on BGI sale hopes | www.ft.com

The article under review mistakenly views iShares as the "beating heart" of BGI; quite the opposite is true.  In my response, I review the historical importance of BGI to Barclays and present my viewpoint that whereas a sale of iShares is highly timely with respect to enhancing Barclay's equity tier one capital ratio, at the same time I perceive the sale of the entire BGI entity as distinctly inadvisable.  Ron Samuel  President Underwood Asset Management, Inc. Chicago  Phone (773)-775-2598  Email:  ronsamuel@sbcglobal.net

Nitish GroverPrincipal, OwnerNitish Grover and Associates

The Economy and Credit Cards - Games Banks Play

May 19, 2009

Analysis of:Credit Card Industry Aims to Profit From Sterling Payers | www.nytimes.com

The referred article speaks of the banks - with their backs against the wall - thinking of evolving new rules for the good customers. The concept seems to be to create new rules so that bank earnings increase at the cost of the customer. To my mind this will only make the sterling customer disappear. Also from an accounting point of view it will create unnecessary complications. In this analysis I look at these two aspects.

James McMahonPresidentJM Bear Advisors

Corporate C&I and Commercial Real Estate Lending is Taking a "Wait and See" Attitude

May 18, 2009

Analysis of:Sharp slowdown in corporate lending | www.ft.com

Almost every bank is taking the "Wait and See" attitude depending on  each institutions capitol, geography, market demographic or new/ revised growth strategies in this current environment. This wait and see strategy is the new balancing act in most independent community, regional and super regional banks. The lifeblood of most commercial bank lending has always been focused or centered on "Relationship" lending. Lending to companies, within a banks designated SIC spread or range that have typ,ical C&I as well as CRE potential are always nurtured if they already are on board and are coveted as business development . The ability to position lending to any business within the banks appetite is always a balancing act between the risk and the reward. Customers who have the greatest potential for a multi level lending product need as well as all the typical deposit, cash management, trust, trade debt and other add on products is how banks grow and how profitability is maximized

The Uk's Economy Is in a "Contraction" mode : The Bank of England may be Over Optimistic!

April 20, 2009

Analysis by: GLG Expert Contributor

Analysis of:Bank of England's new recruit, David Miles, says that worst of recession may be over | www.telegraph.co.uk

Imlications: 1.The value of the Pound falls and the Britian MAY be the worst affected by the Global Recession. 2.Inflation numbers should be included in the calculation of an economic Up-Tick. 3. There is a strong liklihood that Public Debt may rise and strangle generations of the future. 4. The question , at hand, should the government " Support further Re-Capitalization of Public and Private Enterprise?" 5.A system of prioritization must be established , rather than a short term inflow of monies - Not the Solution, but temporary! 6. There are many demands placed upon the UK government for a Correction that my be unsustainable.

Bank of New England - Worst of Recession My be Over: Distortion

April 20, 2009

Analysis by: GLG Expert Contributor

Analysis of:Bank of England's new recruit, David Miles, says that worst of recession may be over | www.telegraph.co.uk

Implications: 1. The gap between assets and liabilities widens - worse case scenero. There is no quantifiable reason for optimisium. 2.Pension plan members must assume their own responsibility for a less than favorable outcome. 3.The UK Pension Protection Fund will pass the the cost implications, ultimately, from the employer to the workforce.No a viable alternative. It ia a matter of accountability to the workforce."Who is watching the Public Watchdog?" 4.The MERITS of such funding, now, must be re-assessed ans resolved in a fairly, timely manner. 5.The Pension Protection Fund only provudes a 90% quarantee. Less than adequate and should have been resolved a long time, ago. Not in these turbulante time. Short and not timely!

RBS Asia Assets: A Footprint of Interest!

April 15, 2009

Analysis by: GLG Expert Contributor

Analysis of:StanChart submitted interest in RBS Asia assets | www.reuters.com

Implications: 1.New Delhi Bank submits an "Interest" afr a government mandate. 2."Bidder"interest - only.A discussion of Valuations will be persistent for ALL parties to the transaction. 3.A Higly Disciplined approach to any acquisition will become a difficult obstacle for al players. 4.Management MAY or MAY Not consider the transaction an act of desperation - realized or unreaalized. 5. It is a matter of Perception  vs Reality! 6.Growth is defined as Organic and is not defined as Inorganic! A matter of sound managerial judgement.

HSBC: A Change in Lending Strategy from Commercial to Residential!

April 13, 2009

Analysis by: GLG Expert Contributor

Analysis of:HSBC offers hope to first-time buyers with new deals | www.timesonline.co.uk

1.Substantial conditions are place upon lenders - onley a select group of customers are able to meet the "New " mortage criteria for competitive rates. Selective marketplace. 2.HSBC positioning is stronger - The Institution survived the Credit Crunch and is, hence, repositioning the portfolio. 3.Housing prices continue to fall and MAYBE a partial reasoning for the reversal in Strategy. 4.Hugh competition for selective account holders: the difference between Plus/Premier account holders vs all other primary vendors.

Mark MariottiChief Executive OfficerFuture Management Holdings Inc

RBS - along for the ride.

April 7, 2009

Analysis of:Taxpayers take 70% of Royal Bank of Scotland | business.timesonline.co.uk

When the take of 70% of anything, including Royal Bank of Scotland's taxpayers take of the equity shares - you own it, others are along for the ride.

Ronald IngramDirector of Product ManagementADVANCE AMERICA, CASH ADVANCE CENTERS, INC.

Financial Services Innovation and New Credit Sources Impeded by Regulation in the US

April 5, 2009

Analysis of:Where Credit Still Flows | www.forbes.com

Demand for credit has never been stronger. With government support P2P or "Social Lending" has the potential to improve the efficiency of credit markets and demonstrate US leadership in financial services innovation. The US is behind the curve in P2P lending innovation and losing ground due to the distraction and high cost of regulatory compliance. At a time when billions are being pumped into ailing banks government needs to find a way to encourage social lending.   Improved regulation may unlock a wave of new credit options and provide economic stimulus at the grass root level. Conceptually Social Lending and P2P financial models makes sense for consumers, business and the greater economic good of nations;  however, the effort to wedge P2P loan models into existing regulatory frameworks continues to impede American financial innovation.

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