Ferguson Resource Group Ltd’s Post

"The biggest capital savings will come from changes to how banks will have to calculate potential losses from operational risks...banks had been pushing regulators to reduce the risk weights for fee income associated with lending services, such as investment banking." #economy #economics #economicoutlook #banks #banking #bankers #fed #federalreserve #fedpolicy #finance #basel #baseliii #investors #investments #investing

All banks value property the same right? Wrong.   Banks have unique credit policies and risk appetites when it comes to valuations.   Knowing which bank to go for your specific property is really important.   Recently, a client approached us after their bank told them their property value had not gone up.   We had a look at the property and approached a different bank, the difference? A 14% uplift in valuation.   Think your property has gone up in value? Don’t guess - reach out to us to get your free valuation assessment.

Interesting article outlining bank balance sheet problems and likely forced M&A / capital raising coming. Banks are in limbo without a key lifeline. Here's where cracks may appear next https://lnkd.in/efji9mgW

What does the Bank of England do? Further detail on the Bank’s objectives, as well as a full list of the operations considered in this report, can be found in the Bank’s Market Operations Guide. https://lnkd.in/ei8r5KxG

What does the Bank of England do? Further detail on the Bank’s objectives, as well as a full list of the operations considered in this report, can be found in the Bank’s Market Operations Guide. https://lnkd.in/exmzUECB

After a dire year for duration in 2023, banks are once again looking at funding further down the covered bond curve This week has been the most active for longer dated issuance so far this year, and bankers are convinced that the market could support the first 15 year deal since 2022 — if spreads tighten Read the full story in GlobalCapital below. Non-subscribers can register to read.

A decade-old accounting standard designed to avoid a new banking crisis requires lenders to make an upfront provision when they make a loan, and then a fuller one if there are signs of potential default, rather than waiting for it to go unpaid. The proportion of unpaid loans on the balance sheet of euro zone banks has shrunk to a historic low since the financial and debt crises of 15 years ago.

Check it out! The 2024 Risk Review provides an overview of banking risks across five broad categories: market risks that include funding and liquidity risks; credit risks in various portfolios including commercial real estate and consumer lending; operational risks; crypto-asset risks; and climate-related financial risks.

Weaker growth and higher interest rates have already led to more non-performing loans in commercial real estate portfolios, Supervisory Board Chair Claudia Buch tells the Eurogroup. This means banks need to have sound risk monitoring and sufficient provisions in place. At the Eurogroup, she also highlighted: 🔹 the need for forward-looking risk assessments and a continued focus on resilience in a changing environment 🔹 changes being implemented to make supervisory processes and methodologies more effective 🔹 the importance of completing the banking union to prepare for challenges that lie ahead Read more https://lnkd.in/eznxaKhf

US Banks included in the Federal Reserve's annual stress test are questioning methods behind the assessment. This once reliable tool used to project data on financial gains and losses may need to be reevaluated. #investment #banking #realestateinvestment #keyinvestment #finance