Collateral In Loan Classification And Provisioning
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Author |
: Inwon Song |
Publisher |
: International Monetary Fund |
Total Pages |
: 30 |
Release |
: 2002-07 |
ISBN-10 |
: UCSD:31822031526379 |
ISBN-13 |
: |
Rating |
: 4/5 (79 Downloads) |
Synopsis Collateral in Loan Classification and Provisioning by : Inwon Song
Adequate loan classification practices are an essential part of a sound and effective credit risk-management process in a bank. Failure to identify deterioration in credit quality in a timely manner can aggravate and prolong the problem. Two key issues arise with regard to the use of collateral in the context of loan classification and provisioning. In particular, the questions arise whether collateral should be taken into account in classifying a collateralized loan, and whether it should be considered in calculating provisions. This paper surveys country practices in the role of collateral in loan classification and provisioning, and suggests good practices on these issues.
Author |
: Alain Laurin |
Publisher |
: World Bank Publications |
Total Pages |
: 64 |
Release |
: 2003 |
ISBN-10 |
: 0821353977 |
ISBN-13 |
: 9780821353974 |
Rating |
: 4/5 (77 Downloads) |
Synopsis Bank Loan Classification and Provisioning Practices in Selected Developed and Emerging Countries by : Alain Laurin
Author |
: World Bank |
Publisher |
: World Bank Publications |
Total Pages |
: 64 |
Release |
: 2003 |
ISBN-10 |
: STANFORD:36105112962381 |
ISBN-13 |
: |
Rating |
: 4/5 (81 Downloads) |
Synopsis Bank Loan Classification and Provisioning Practices in Selected Developed and Emerging Countries by : World Bank
This research report looks at the loan classification and provisioning practices used in a broad variety of countries in terms of size, location and level of financial development. Aspects covered include: classifications of individual and multiple loans, treatment of guarantees and collateral, bank loan review processes, loan loss provisioning, tax treatment of loan loss provisions, disclosure standards, and the role of external auditors.
Author |
: Michèle Cavallo |
Publisher |
: World Bank Publications |
Total Pages |
: 40 |
Release |
: 2001 |
ISBN-10 |
: |
ISBN-13 |
: |
Rating |
: 4/5 ( Downloads) |
Synopsis Do Banks Provision for Bad Loans in Good Times? by : Michèle Cavallo
Recent debate about the pro-cyclical effects of bank capital requirements, has ignored the important role that bank loan loss provisions play in the overall framework of minimum capital regulation. It is frequently observed that under-provisioning, due to inadequate assessment of expected credit losses, aggravates the negative effect of minimum capital requirements during recessions, because capital must absorb both expected, and unexpected losses. Moreover, when expected losses are properly reflected in lending rates, but not in provisioning practices, fluctuations in bank earnings magnify true oscillations in bank profitability. The relative agency problems faced by different stakeholders, may help explain the prevailing, and often unsatisfactory institutional arrangements. The authors test their hypotheses with a sample of 1,176 large commercial banks - 372 of them in non-G10 countries - for the period 1988-99. After controlling for different country-specific macroeconomic, and institutional features, they find robust evidence among G10 banks, of a positive association between loan loss provisions, and banks' pre-provision income. Such evidence is not confirmed for non-G10 banks, which on average, provision too little in good times, and are forced to increase provisions in bad times. The econometric evidence shows that the protection of outsiders' claims - the claims of minority shareholders in common law countries, and of fiscal authorities in countries with high public debt - on bank income, has negative effects on the level of bank provisions.
Author |
: International Monetary Fund |
Publisher |
: International Monetary Fund |
Total Pages |
: 302 |
Release |
: 2006-04-04 |
ISBN-10 |
: 9781589063853 |
ISBN-13 |
: 1589063856 |
Rating |
: 4/5 (53 Downloads) |
Synopsis Financial Soundness Indicators by : International Monetary Fund
Financial Soundness Indicators (FSIs) are measures that indicate the current financial health and soundness of a country's financial institutions, and their corporate and household counterparts. FSIs include both aggregated individual institution data and indicators that are representative of the markets in which the financial institutions operate. FSIs are calculated and disseminated for the purpose of supporting macroprudential analysis--the assessment and surveillance of the strengths and vulnerabilities of financial systems--with a view to strengthening financial stability and limiting the likelihood of financial crises. Financial Soundness Indicators: Compilation Guide is intended to give guidance on the concepts, sources, and compilation and dissemination techniques underlying FSIs; to encourage the use and cross-country comparison of these data; and, thereby, to support national and international surveillance of financial systems.
Author |
: |
Publisher |
: |
Total Pages |
: 114 |
Release |
: 1988 |
ISBN-10 |
: UOM:35128000982585 |
ISBN-13 |
: |
Rating |
: 4/5 (85 Downloads) |
Synopsis Loan Portfolio Management by :
Author |
: Asian Development Bank |
Publisher |
: Asian Development Bank |
Total Pages |
: 262 |
Release |
: 2021-12-01 |
ISBN-10 |
: 9789292691165 |
ISBN-13 |
: 9292691163 |
Rating |
: 4/5 (65 Downloads) |
Synopsis Nonperforming Loans in Asia and Europe—Causes, Impacts, and Resolution Strategies by : Asian Development Bank
High and persistent levels of nonperforming loans (NPLs) have featured prominently in recent financial crises. This book traces NPL trends during and after crises, examines the economic impact of high NPLs, and compares the effectiveness of NPL resolution strategies across economies in Asia and Europe. The book distills important lessons from the experiences of economies using case studies and empirical investigation of ways to resolve NPLs. These findings can be invaluable in charting a course through the financial and economic fallout of the coronavirus disease (COVID-19) pandemic to recovery and sustained financial stability in Asia, Europe, and beyond.
Author |
: International Monetary |
Publisher |
: International Monetary Fund |
Total Pages |
: 87 |
Release |
: 2021-04-19 |
ISBN-10 |
: 9781513577005 |
ISBN-13 |
: 151357700X |
Rating |
: 4/5 (05 Downloads) |
Synopsis Republic of Belarus by : International Monetary
The NBRB revised in 2018 its regulation on asset classification and provisioning (the Regulation). One of the main changes was the introduction of a new definition for NPLs based on the current framework of risk groups (RGs). This definition substitutes the previous term “problem assets.” One of the intentions of the replacement is to promote international comparability by using it as a financial soundness indicator (FSI). The reported levels of this new NPLs indicator are, however, relatively low and, more important, much lower than the previous indicator, based on problem assets. The new NPL indicator levels are relatively stable, around 4 percent. The previous indicator was also stable, but the levels were more than three times higher, about 13 percent.
Author |
: Peter S. Clarke |
Publisher |
: Kevin Lee |
Total Pages |
: 380 |
Release |
: 2017-11-15 |
ISBN-10 |
: |
ISBN-13 |
: |
Rating |
: 4/5 ( Downloads) |
Synopsis Asset-Based Lending by : Peter S. Clarke
This new, third edition, has added many updates regarding critical asset-based collateral subjects and issues, including regulatory Uniform Commercial Code (UCC) changes and more. Asset-based lending, or the extension of credit against company's balance sheet assets on a collateral margin basis, is a rapidly growing field in the lending arena - thanks to better controls and understanding as well as the intensification of non-bank competition in the field. Asset-Based Lending defines lending controls and policies, assessing collateral and borrower quality, loan pricing, collateral monitoring and much more, including: - Cash collateral accounts, commingling funds and controlling payments and advances - Completing notes, security agreements and other documents - Accounts receivable and inventory lending - Chattel paper, notes, machinery and equipment - Direct and third party leasing - Collateral field examinations - Factoring
Author |
: Irina Bunda |
Publisher |
: International Monetary Fund |
Total Pages |
: 23 |
Release |
: 2021-06-08 |
ISBN-10 |
: 9781513583099 |
ISBN-13 |
: 1513583093 |
Rating |
: 4/5 (99 Downloads) |
Synopsis How to Assess the Benefits of Nonperforming Loan Disposal in Sub-Saharan Africa Using a Simple Analytical Framework by : Irina Bunda
The coronavirus (COVID-19) crisis, which has hit financial systems across Africa, is likely to deteriorate banks’ balance sheets. The largest threat to banks pertains to their loan portfolios, since many borrowers have faced a sharp collapse in their income, and therefore have difficulty repaying their obligations as they come due. This could lead to a sharp increase in nonperforming loans (NPLs) in the short to medium term.