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Banking, editors' picks

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Banking Essentials Newsletter: July Edition - Part 2

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Anticipate the Unknown Go Beyond Fundamentals to Uncover Early Signs of Private Company Credit Deterioration

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Taking Loss Given Default Estimation to the Next Level: An Aspiration for All Creditors, Not Just Banks

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Anticipate the Unknown A Fundamentals Approach to Detect Early Signs of Private Company Credit Deterioration


Banking, editors' picks

Editors' picks for the week include articles on the challenges in Texas ratios, auto lending and systemic risk scores.

Banks with the highest Texas ratios in Q1'17

A bank's Texas ratio says a lot about its ability to absorb future losses — and the lower it is, the better. Fifty banks and thrifts reported an adjusted ratio higher than 100% at the end of the first quarter. Two of them have since failed.

Fed challenged by economic, technical headwinds in quest for normalcy

The U.S.'s central bank walks the tightrope of winding down a $4.5 trillion balance sheet without inadvertently raising banks' lending rates faster than intended.

Basel changes to push up systemic risk scores for US banks

Changes to how international regulators calculate a bank's systemic risk footprint will mean even higher capital surcharges — but with U.S. regulations already much stricter, the new formula should be less of a shock to U.S. banks.

Auto loans down for first time in years at US banks, thrifts in Q1'17

Auto loans at banks and thrifts saw their first quarter-over-quarter decline since 2011. Delinquency, meanwhile, was up year over year.

And a two-parter: Consumer relief secured by embattled CFPB plunged in 2016 and Despite hostile Republicans, consumer protection agency plows ahead

The embattled Consumer Financial Protection Bureau secured almost $12 billion in consumer relief from companies it penalized in the first quarter. S&P Global Market Intelligence found, however, that while the dollar amount makes for an impressive headline, the actual impact on those companies' earnings may have been minimal.