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All GLG News Analyses Filed Under: Mortgages, Consumer & Specialty Finance

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Richard Bialek Posted September 10, 2007
Not a Prime Time to Tap the Sub-Prime Market
Analysis of: Credit card companies woo struggling mortgage-holders | www.boston.com
Author: Richard Bialek, Chief Executive Officer Bialek Group
The sub-prime segment has been a profitable market for some credit card companies. Success depends on an issuer's ability to accurately assess credit risk and price accordingly. At this time mortgage defaults and increased uncertainty in credit markets and the general economy make risk more difficult...
Posted September 7, 2007
Built in Shock Absorbers
Analysis of: Subprime crisis not to hit India: S&P | www.moneycontrol.com
Author: Harnath Sithamraju, Consultant Harnath Sithamraju
Impact of sub prime crisis is limited as demand for real estate is by driven middle class in India.Reserve Bank of India (RBI) closely monitors the markets.Indian Banks have limited exposure to foreign loans and markets.
Posted September 4, 2007
Regulated Interest regime- is it not in the interest of GE?
Analysis of: GE may quit consumer lending in Japan | money.cnn.com
Author: GLG Member Program Contributor
1.  A high interest rate for lending, especially consumer lending, is always harmful. 2.  The rate of interest for lending is always fixed taking into account the cost of borrowings or funds , adding operational costs and risk costs and of course the profit margin., the last being the...
Posted August 30, 2007
Riding out the crest of the storm...some survivors are calmly waiting to pick up the pieces.
Analysis of: Some Banks Better Positioned Than Others to Survive Mortgage Fallout | biz.yahoo.com
Author: GLG Member Program Contributor
'Survivor' characteristics of the Mortgage Fallout Storm Surge:     1) Diversified Products and Services;     2) Adherence to traditional underwriting standards;     3) Liquidity from organic growth of core deposits;     4)...
Richard Bialek Posted August 30, 2007
The Rain is Coming - Don't Count on the Credit Storm Bypassing Credit Cards
Analysis of: Unexpected: Card Debt Stays Dry in Credit Storm | www.americanbanker.com
Author: Richard Bialek, Chief Executive Officer Bialek Group
The hope that credit card delinquencies and default rates will not be impacted by the subprime mortgage crisis is misplaced.  Although risk indicators may be off all-time highs, they are increasing and merit attention. With decreasing home prices the highly levered U.S, consumer is losing access...
Posted August 29, 2007
Why the Alt-A Originate-To-Sell Mortgage Business Model Could No Longer Be Viable in a Declining Real Estate Market
Analysis of: Some Banks Better Positioned Than Others to Survive Mortgage Fallout | biz.yahoo.com
Author: GLG Member Program Contributor
Alt-A Mortgage Sector Strategist (Robert Eng, CEO Strategist Network) says, “the Alt-A originate-to-sell mortgage business model might not be viable in a declining real estate market.”  There are three main reasons for this.  1) Alt-A (stated income) loans may tend to contain areas of...
Posted August 28, 2007
Past Mortgage Underwriting Guidelines will show you the future.
Analysis of: Some Banks Better Positioned Than Others to Survive Mortgage Fallout | biz.yahoo.com
Author: GLG Member Program Contributor
The quality of lending which a lender has done is really the critical issue here.  Being overzealous on delivering 100% CLTV loans, particularly to stated income document clients, is really the biggest way to degrade the quality of investment. So with this postulate in place, one can subsequently...
Posted August 28, 2007
It's not always irrational for consumers to pay credit cards before mortgages
Analysis of: Unexpected: Card Debt Stays Dry in Credit Storm | www.americanbanker.com
Author: GLG Member Program Contributor
There is no or minimal real spillover from the subprime mortgage implosion into the general purpose and private label credit card arena and absent a recession, which will happen at some point, there’s little reason to expect significant credit card performance deterioration or for credit card issuers...
Posted August 27, 2007
Grass is not always greener on the other side
Analysis of: Capital One Closes Wholesale Mortgage Unit | money.cnn.com
Author: Harnath Sithamraju, Consultant Harnath Sithamraju
Short term strategy without any vision is the playmate of history.Acquisitions that can’t be woven into the fabric of existing corporate business will end in a bitter divorce.Regulatory framework needs rework and rethink.
Posted August 27, 2007
It's not Alt-A v. Sub-prime v. A-paper
Analysis of: Capital One to Close Its GreenPoint Unit | online.wsj.com
Author: Joe Garrett, Principal Consultant Garrett, Watts & Co
When the history of the Mortgage Crisis of 2007 is finally written, it won't be about subprime or Alt-A. I believe it will be all about layered risk and Loan to Value ratios. All of these products worked and performed well - up until the LTVs started rising. 100% LTVs justs don't make sense.
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