Ppt on bank lending jobs

National Development Banks in comparative perspective

by the government and built on the assets and facilities of the Industrial Bank, the KDB came to account by the end of 1955 for over 40 per cent of total bank lending. At one point, it accounted for 70 per cent of the / of the neoliberal variety transforming financial structures, some countries are doing away with specialised development banking institutions on the grounds that equity and bond markets would do the job. This is bound to lead to a shortfall in finance for long-term investments, especially/


1 Tutorial Chapter 5 Money and Banking. 2 1. Barter works best a. in the absence of a double coincidence of wants. b. when many different product are.

about 10,000. B. The United States is divided into 12 federal reserve districts. Each district has a Federal Reserve bank. 32 31. The job of the Federal Deposit Insurance Corporation is to a. guarantee that investors will not lose money by investing in government bonds/supply when there are excess reserves can only be realized when a. people chose not to increase their cash holdings. b. banks lend only a portion of their cash reserves. c. borrowers set aside part of their loans for savings. d. borrowers cut /


Unit 3: Macroeconomics Chapter 9: An Introduction to Macroeconomics Chapter 10: The Business Cycle and Fiscal Policy Chapter 11: Money and Banking.

a much greater expansion of the money supply measured in newly created bank deposits We must make two assumptions in a multi-bank scenario: First, each bank lends the fullest possible amount from its reserves Second, each borrower uses the/job losses, declining retail sales, and uncertain economic forecasts All of these discourage people from borrowing money The banks may want people to borrow, but people can’t be forced to do so! The Realities of Money Creation Second, banks may not be willing to lend/


Group Strategy: 16 January 2009 The financial crisis: what is happening, why did it happen, and what are the implications for the banking industry? CONFIDENTIAL.

freefall Rising losses in US subprime market and contagion as prices fall in other asset classes Banks lose confidence in each other– wholesale fundings dries up and funding costs rise Lending slows to retail and wholesale customers Banks realise losses and provisions rise Falling profits result in job cuts, capital raisings and asset sales Economic activity falls and asset prices fall further Multiple deleverage/


Mike Firestine famous Banker November 28, 2007. Background of Mike Firestine Finance Company – Account Adjuster Lebanon Valley National Bank –Assistant.

Farms: #2 – # of Chicken Farms #3 – # of Farms Average Farm Size: 115 acres Why Does Fulton Bank Do Agriculture Lending 1 in 7 Jobs in Pennsylvania is Related to Agriculture #1 Industry in Pennsylvania –Gross Farm Sales in Pennsylvania is $4.3 Billion Annually, /Good Source of CRA Loans Charge Off on Agriculture Loans is Low Why Does Fulton Bank Want to Continue in Agriculture Lending? Posture of Bank to Lend to Agriculture Customers, and Prospective Customers with Strong Balance Sheets, and Strong Income /


Banking Industry. Features of U.S. Banking Industry many banks / many sizes Dual banking system Three major crises –Great Depression –S&L crisis in the.

macro Multiple Deposit Creation The Fed makes an OM purchase of $400 worth of bonds from Joe’s bank. MB increases by $400 Joe’s Bank lends it out r D = 50%, Assets Bonds -$400 Loans +$400 Liabilities Joe’s Bank MB increases by $400 Joe’s Bank lends it out r D = 50%  M? Multiple Deposit Creation Assets Reserves +$200 Loans +$200 Liabilities Deposits $400/


2001 Interim Results Australia and New Zealand Banking Group Limited 26 April 2001.

experience Branch Withdrawals Branch Deposits Credit Card Direct Entry Phone/Internet Banking Cheques EFTPOS ATM Internet banking users as % of main relationships % Transaction activity Source: /eMBA Page 30 We continue to actively manage and reduce risk Lending Profile by Asset Type* business consumer Exiting higher risk businesses /weakened global growth, rising inventory levels, subdued business sentiment and falling job advertisements But monetary and fiscal conditions remain supportive –after slowing to/


Banking Ms. Nwaolu Intro to Bus. And MKTG 2/20/13.

Explain usury and why bank regulation is so important.  What are some things to consider when choosing where to bank?  List and describe some common bank fees. Types of Financial Services  Savings Services  Payment Services  Lending Services  Electronic banking  Storage of valuables / Checking account and check bouncing  Credit card or car loan and timeliness of payments  Job tenure – how long have you held your current job?  Have you used credit before  Housing tenure – how long have you lived at/


LENDING IN NATIVE AMERICAN COMMUNITIES From Opportunity to Success Community Affairs Webinar Series.

Department of Interior’s Indian Loan Guaranty Program (ILGP), because the loan amount would have been above the bank’s lending limit. The loan was a resounding success for FNB and the CPN. In 2011, FireLake Discount Foods /markets and to encourage greater private-sector participation in local economic development activities; and 3.Increase capital formation and private-sector jobs for Native Hawaiians. 38 ANA Grant Projects Three main areas of funding: Social and Economic Development (SEDS), Native Languages/


FINTECH SERIE BY innovation edge FINTECH REVOLUTION TECHNOLOGY COMPANIES COME TO THE BANK Fintech companies are making inroads in Latin America 01 A threat.

in finance. That is why companies like Stripe, a payments company, hope to become replacement for PayPal and others. Lending Club wants to make getting a loan cheaper and easier. Wealthfront wants to advise you and manage your money from your/report, in a decade some 800,000 people will lose their jobs at financial services companies.another Citigroup report "Roughly 60 to 70 percent of retail banking employees are doing manual processing-driven jobs", as stated by the report. "If all the current manual/


PB Americas The Investment Landscape – April 2010 Private Banking Americas Investment Strategy & Advisory Group The Investment Landscape April 2010.

The Investment Landscape – April 2010 This document is not complete without attached Important Legal Information. US jobs growth should boost consumer confidence, spending US Nonfarm Payrolls (Monthly Change,000s) Source: Bloomberg The Investment/slowing to more sustainable levels Consumer Consumer confidence has improved, remains at low levels Credit Bank lending surveys point to improving lending conditions Commodities Rising liquidity (open interest) in commodities is supportive of prices Cash Corporate /


DELIMITING MICROFINANCE THROUGH EFFECTIVE MIS THE PHILIPPINE RURAL BANKING EXPERIENCE A Paper by G.V. Ramana Murthy and Sumit Bagchi JSPL.

banking. Rural Banks are Ideally positioned for MF… Grameen Model: Grameen Model: The rural banks, especially those that are PCFC conduits, commonly adopt different variations of Grameen micro- lending/saving. Individual Lending: Individual Lending: The MABS approach, which emphasizes individual lending, is now gaining ground, as more and more banks/leaves the voluminous data migration job undone and the bank, with its limited personnel are unable to cope up with this job. Most banks are reluctant to use /


NCRC Presentation on CRA and Fair Lending Patterns & Policy Josh Silver, Vice President of Research and Policy January 2010.

banks Enhances data disclosure Applies CRA to non-bank institutions Improve CRA as Applied to Banks Lending, investing, and service to minorities considered by CRA exams – increase responsible lending to minorities Bolster penalties for predatory & discriminatory lending and financing of predatory lending/-based organizations that promote access to basic banking services including credit and savings, to create and sustain affordable housing, job development and vibrant communities for Americas working /


BEYOND GROUP LENDING P.V. Viswanath. Learning Goals  What are some problems with group lending?  What can a model of individual loans with costly debt.

Why do microlenders require very frequent payment installments? Problems with Group Lending  The essence of group lending is that it’s a way to transfer onto customers the responsibility for jobs usually undertaken by lenders – screening potential customers, monitoring their efforts and/ might become large enough that it would make sense for the borrower to invoke the legal system. Alternatively, banks might not provide her with a loan with defaults in her background. (Of course, this is another way/


Chapter 13. Financial Industry Structure Bank Structure Nondepository instituions  Insurance  Pensions  Finance companies  GSEs Bank Structure Nondepository.

 Subsidiary just for international banking Acquire interests in foreign banks Foreign branches (IBF) Edge Act corporations  Subsidiary just for international banking Acquire interests in foreign banks GlobalizationGlobalization EurodollarsEurodollars US $ deposits in foreign banks Interbank lending in eurodollars  LIBOR A common swap floating rate US $ deposits in foreign banks Interbank lending in eurodollars  LIBOR A common swap floating rate Banks of the future Universal banks  A full range of/


Joshua S. Siegel, Managing Principal Examiners Forum: Non-control Equity Options for Community Banks.

counties are affected by substantial drug trafficking activity, low levels of educational, high unemployment and declining number of jobs Educational attainment: 14% and 16% of county populations have not graduated from high school, compared with 10%/risk-based Wall Street dislocation has reduced the number of non-bank lending institutions − REITs − Hedge Funds − CDOs/CLOs − BDCs − Specialty Lenders Short Term Outlook for Banking Industry 91 Municipal securities – embedded losses? —Wider spreads reflecting /


CFPB Developments Affecting the Student Lending Industry

information from students’ credit reports; and Implement new consumer protections, including more flexible withdrawal policies and clear information on job prospects. Enforcement actions CFPB v. College Education Services (Dec. 2014) – In its Complaint, the CFPB alleged /may elevate fair lending or UDAAP risk if a large percentage of customers or potential customers speak a foreign language. CFPB enforcement actions have addressed LEP issues, including: Synchrony Bank, f/k/a GE Capital Retail Bank (DOJ and /


Funding Inspiration SUPPORTED BY.

for eligible Businesses To support asset purchase where we cannot lend under normal criteria Linked to Job creation/ retention www.bis.gov.uk/rgf Franchise Fund £100M 2 yrs Free Banking 12m crh Discounted Arr fees www,natwest.com/franchise tel / years to May 2011 The case for TAKING Equity investment Equity funding is the only way to “step change” a business. Banks lend on certainty – assets, contracts and past performance - limiting appetite. Equity invests on potential, ambition and future value - hence /


Lending Policies and Procedures: Managing Credit Risk

credit reasonably Loans support the growth of new businesses and jobs within the lender’s market area Loans frequently convey information to the marketplace about a borrower’s credit quality The lending process bears careful monitoring at all times Copyright © /credit because of race, sex, religious affiliation, age, or receipt of public assistance The International Lending and Supervision Act Requires U.S. banks to make public any credit exposures to a single country that exceed 15 percent of their primary /


US Experience: Lessons for National Development Banks Anglo-American Model Worse Than The Reality Randall Dodd Financial Policy Forum December 1, 2005.

Agricultural Mortgage Corporation (Farmer Mac) raises funds by issuing bonds in the capital markets, and then lends to other FCS banks Ownership/ Governance method Farm Credit Administration oversees the various financial institutions Assets Loans to farms, farmers and/allow greater access to higher education as well as job training Credit risk sharing between government, lenders and borrowers FAILURES Subsidies have proven difficult to structure so that banks do not make excessive risk free profits. Not/


JAIIB / Diploma in Banking & Finance LEGAL & REGULATORY ASPECTS OF BANKING MODULES A & B.

protected c.. Both M and U have not done their respective jobs properly d.. Not a payment in due course 169.. As per the relevant provisions of of NI Act,1881 a bank can seek protection only, if there is a material alteration /obtain finance to the extent of Rs16 lacs. Then a.. Bank can lend on the usual resolution which includes the borrowing powers b.. Bank cannot lend on the usual resolution which included the borrowing powers c.. Bank need to obtain separate resolution only when the borrowing is /


Copyright © 2004 by Thomson Southwestern All rights reserved. 13-1 Asset Management for Depository Institutions: Commercial, Consumer, and Mortgage Lending.

2 3.Credit rating l excellent10 l average 5 l no record 2 l poor 0 4. Length of time on current job l more than one year 5 l one year or less 2 5. Length of time at current address l more than/repayment of most of the loan SBA guarantee reduces default cost to bank but not default probability Copyright © 2004 by Thomson Southwestern All rights reserved. 13-35 Types of Higher Risk Lending Sub prime Lending Leveraged Buyouts Mezzanine Lending Copyright © 2004 by Thomson Southwestern All rights reserved. 13-36 /


DOES GENDER MATTER IN BANK-FIRM RELATIONSHIPS? ANDREA BELLUCCI UNIVERSITY OF URBINO ALEXANDER V. BORISOV INDIANA UNIVERSITY ALBERTO ZAZZARO POLYTECHNIC.

job. DATA AND VARIABLES 3.1. Dataset This study utilizes a unique proprietary dataset that consists of more than 7,800 credit lines made available to individually-owned small businesses (i.e. sole proprietorships) by a major Italian bank belonging to a large Italian banking/ exclusivity of the bank-borrower relationship, Multiple lending, has mixed effects on the outcome of the lending process. Third, consistent with the notion that the scope of the relationship allows banks to accumulate additional /


LEGAL & REGULATORY ASPECTS OF BANKING MODULES A & B.

protected c.. Both M and U have not done their respective jobs properly d.. Not a payment in due course 169.. As per the relevant provisions of of NI Act,1881 a bank can seek protection only, if there is a material alteration /obtain finance to the extent of Rs16 lacs. Then a.. Bank can lend on the usual resolution which includes the borrowing powers b.. Bank cannot lend on the usual resolution which included the borrowing powers c.. Bank need to obtain separate resolution only when the borrowing is /


2451 ATRIUM WAY | NASHVILLE, TN 37214 | 615–391–2500 | thinkingahead.com Shane Lewis, CPC Senior Recruiter Commercial Banking Team Talent Acquisition &

Dakota, Wisconsin, Minnesota, Iowa and Illinois. His search expertise is in leadership level positions in commercial lending, credit, specialty lending, business banking, treasury management, operations, executive management, and wealth management. Shane joins ThinkingAhead after 5 years with Wells/annual guaranteed compensation) (1/3, 1/3, 1/3) Search activities commence at the time full job order information is taken and fee agreement executed Search activities commence at the time initial payment is made /


Raising a Bank Loan Bob Berry Boots Professor of Accounting & Finance Nottingham University Business School.

… 1.The government thinks the problem is not a lack of demand for bank finance, but a shortfall in supply. Risk averse bankers dont want to lend. 2.The government has a solution: Merlins our mainstay and Witchcraft is the /competent management team (Personal) ii.Evidence of past financial performance (History). iii.Project data (Project). 3.The bank lending officer (BLO) brings along: 1.Experience and seniority. 2.A job description. 4.A senior BLO ranks like this: Personal =1, History = 2, and Project = 3/


Déjà Vu All Over Again: The Causes of U.S. Commercial Bank Failures This Time Around by Rebel A. Cole Lawrence J. White DePaul University NYU Déjà Vu All.

of 1985 – 1992. We find that traditional proxies for the CAMELS components, do an excellent job in explaining the failures of banks that were closed during 2009, just as they did in the previous banking crisis of 1985 – 1992. Conclusions We also find that Construction & Development lending and reliance upon Brokered Deposits for funding are associated with higher failure rates. We also find that/


1. What were the causes of the Great Depression? a.Stock Speculation b.Weak Banking System c.Economic Policies d.Overproduction of Goods e.Decline in.

Americans impacted by the Great Depression? Squatters Camp, Route 70, Arkansas, October, 1935. a. A large number of banks and businesses failed. b. One-fourth of workers were without jobs. Brother can you spare a dime? http://www.youtub e.com/watch?v=CVE 72Ae82Tw Brother, Can You Spare a /we see the landlord, We can look that guy right in the eye. Were in the money Come on, my honey Lets spend it, lend it, Send it rolling around! All: Were in the money, Were in the money; Weve got a lot of what it takes to /


Kentucky at Work: The E-Opportunity Blueprint Expanding broadband access in unserved and underserved communities -- through innovations such as “Micro-Lending

Kentucky share many characteristics with the rural poor throughout the world: –The lack of a diverse and robust economy limits job opportunities for talented young people, causing a “brain drain” of the best and the brightest –Remote geography and poor/and a pilot project that will utilize the principles (although not the precise contours) of “micro-lending” techniques pioneered by Mohammad Yunus. The E-Opportunity Bank will be established, structured as a revolving loan fund. The money in the pool will be /


Hudson Library and Historical Society 4/28/09 Meeting Current Banking Credit Issues Jim Hojnacki - Executive Vice President and Chief Lending Officer,

Section V Wrap-Up/Discussion Hudson Library and Historical Society 4/28/09 Meeting Overview of Liberty Bank –History/Capitalization –Locations –Markets Served –Types of Lending Hudson Library and Historical Society 4/28/09 Meeting State of the Economy –U.S. Economy /in the U.S. jumped by the most since 2005 this month as stocks rallied, mortgage rates dropped and Americans anticipated more jobs would become available. “There certainly is starting to be a shift here, where the data is either less bad or even/


Déjà Vu All Over Again: The Causes of U.S. Commercial Bank Failures This Time Around by Rebel A. Cole and Lawrence J. White 2010 FDIC Bank Research Conference.

of 1985 – 1992. We find that traditional proxies for the CAMELS components, do an excellent job in explaining the failures of banks that were closed during 2009, just as they did in the previous banking crisis of 1985 – 1992. Conclusions We also find that Construction & Development lending and reliance upon Brokered Deposits for funding are associated with higher failure rates. We also find that/


Why are these President’s Laughing?. The Financial Sector and the Economy Colander, Economics Functions of a Bank Financial intermediation - connecting.

there was no retrieving it. Daler plates were, presumably, hell on bank tellers’ backs. The Financial Sector and the Economy Colander, Economics Origin of Lending? McGraw-Hill/Irwin Colander, Economics 10 The Alchemists: Three Central Bankers/ currency and sustained prosperity (something that is easier said than achieved). Central bankers determine whether people can get jobs, whether their savings are secure, and, ultimately, whether their nation prospers or fails. McGraw-Hill/IrwinColander, Economics18/


Ajay Sagar Asian Development Bank March 2005 Local Currency Financing Initiative.

devaluation on balance sheet of borrowers. Project viability threatened. Banks carry both maturity and currency mismatch risks Lending banks traded currency risk for a credit risk. Devaluation pass /job creation). Peso Swap and Financing-Salient Features ADB’s credit exposure comprises of a swap and lending to banks without sovereign guarantee ADB will undertake a swap on back to back basis with lending transaction. No crowding out - competition with banks Tenors 5-15 years, Amortizing Participating banks/


Russian Banking as an Active Volcano Koen Schoors Ksenia Yudaeva.

banks are large – Severe liquidity breaches are forborne if there are too many failing banks Is the CBR able to enforce bank standards? Bank supervision staff Bad institutional environment – Banks preferred speculation to lending Soft legal constraints, monitoring skills, information – Lending to connected agents Insider lending, pocket banks/Russian banking system does a horrible job in financing growth (See Pyle and Spicer, 2002, Overbanked and credit-starved) But banking does a much better job thereafter /


The World Bank in the West Bank and Gaza www.worldbank.org/ps.

(Credit) 8.0 (Grant) 10.0 (Credit) 3.0 (Grant) 10.0 (Grant) Completed Ongoing Emergency response: job creation and service delivery - Emergency Response Program - Emergency Services Support Project I - Emergency Services Support Project II - Emergency / institutions- technical staff at ministries, NGOs and local partners (e.g., Municipal Development Lending Fund, Welfare Association, Ministries). The Bank finances projects, it does not implement them. Strong coordination with other international partners, as/


Outlook for the UK Economy: No return to Boom and Bust... 19 th January 2010 Tom Vosa Head of Market Economics, Europe, Wholesale Banking National Australia.

– hence the credit crunch Source: Bank of England, National Australia Bank 16 Bank lending appetite is still depressed... ●The BoE credit conditions survey shows that banks are restricting credit to UK households. ●Real estate lending is now contracting further, with standards tightening/ with the health sector least likely to be affected. The Yorkshire and Humber region, with Civil Service jobs comprising 1.8% of total employment (versus 2.03% for English regions) is relatively well placed. ●Total /


CONSUMER AND SMALL BUSINESS LENDING

has intensified especially for consumers and small businesses Capital adequacy always is an issue in banking and has surfaced with respect to subprime lending Chapter 12 Securitization Started with government-sponsored enterprises (GSEs such as Ginnie Mae, /Approach Versus Individual Appraisal Credit-scoring systems have been in use for years Examples of variables Years on job Home phone Years at address Major credit card Credit bureau information Chapter 12 Predicting Personal Bankruptcy Research frameworks/


Show me the… Money and Banking.

Banking system: 2 institutions 1. Privately owned For profit Commercial banks, thrifts 2. Central bank Banker’s bank Bank of government Regulate commercial banks Financing 1. Direct – individual holds bonds 2. Indirect – bank Banks transfer money from savers to investors “financial intermediaries” Why use a bank? Risk of direct lending/ to cover the deposit liability) If bank has excess reserves, they can take more deposits and then turn around and make more loans Fed’s job continued 3. Fiscal agent U.S./


Banking Careers and Workplace Skills Section 1 – Executive Careers.

high school diploma is required and then on the job training is provided Some banks require a bachelor degree in finance, economics, or a related field for commercial lending officer Mortgage Banker Similar to lending officer but he or she only deals with / may be required to contact customers – Minimum of high school diploma is required and some banks prefer some college and banks will provide on the job training to ensure compliance with the Fair Debt Collection Practices Act and state laws Experience in/


 Various poverty estimates suggest that between 1/3 (World Bank Poverty Assessment ) to 1/2 of Paraguay’s population is poor (2003 Census Bureau Household.

of 1 person serving around 300 clients Program is operated with revenues from individual lending operations and support from the Inter-American Development Bank  The average loan provided by Fundación Paraguaya is less than $450 ($/ security, or one company employing 100 workers, able to large investments, achieve economies of scale, and offer job security and benefits?  Are microfinance organizations and advocates sustaining and encouraging informal, subsistence entrepreneurialism by promoting credit for/


Economics of International Finance Prof. M. El-Sakka CBA. Kuwait University Money, Banking, and Financial Markets : Econ. 212 Stephen G. Cecchetti Monetary.

this because it does not want the credit risk that would come with uncollateralized lending, because policymakers believe that the federal funds market provides valuable information about the health of specific banks, and because the Fed has stated it will only pay interest on reserves / as required.  Day-to-day control of the supply of federal funds is the job of the Open Market trading desk at the New York Federal Reserve Bank.  Most days the market rate is close to the target rate, although on occasion/


© 2012 Pearson Education, Inc. Publishing as Prentice Hall R. GLENN HUBBARD ANTHONY PATRICK O’BRIEN Money, Banking, and the Financial System.

another monetary policy tool. By increasing the interest rate, the Fed can increase the level of reserves banks are willing to hold, thereby restraining bank lending and increases in the money supply. Lowering the interest rate would have the opposite effect. Interest on Reserve/ the red line shows the target federal funds rate. The figure shows that the Taylor rule does a reasonable job of explaining Federal Reserve policy during some periods, but it also shows the periods in which the target federal funds/


International Banking International Capital Flows Session 10 --Hilla Shahpur Maneckji.

households and firms to continue buying and investing when domestic production and incomes have fallen. International Banking Capital Flows (4) 2. By lending money abroad, households and firms can reduce their vulnerability to domestic economic disturbances. Companies can protect/ is enabling us to place ourselves on the global map, as well as provide jobs and investments needed for development of ancillary industries. International Banking Issues Relating to FDIs (8) On the flipside, FDIs also do not come /


ANHD CRA / Bank Advocacy Work OrganizeOhio! Fair Lending Conference Jaime Weisberg, Senior Campaign Analyst ANHD November 13, 2015.

predatory products, such as payday lending and high cost credit cards, personal, and prepaid cards o Community Development Loans, Investments and Grants: o Build and preserve real affordable housing o Create and preserve quality Jobs for underserved communities o Support /used the word "poor" or "very poor" 47 times to describe the banks lending performance. We submitted comment letters, spoke with regulators, and met with the bank’s CEO and senior staff Valley National Example In late 2014, the OCC granted/


Money, Banking, and the Federal Reserve Bank (Monetary Policy) Chapter 6.1.

Deposits (also called checking accounts and travelers checks). Money supply is important because it affects prices, loans, jobs, and other things. Money Money is defined as: A good that is widely accepted for purposes of/ Cards A Bank A Bank is defined as an institution for receiving, keeping, and lending money. Banks are for individuals and businesses. Types: Commercial Banks, Savings and Loan Associations, Mutual Savings Banks, Credit Unions, State Banks, and Federal Banks. Banking 11 Banking - History /


WISE TEST REVIEW. Question If a person makes a deposit of $10,000 or more into a bank account, the bank must notify the: Correct Answer US Treasury Department.

Reason The Consumer Credit Protection Act of 1968, known as the Truth in Lending Act, stipulates that consumers be told annual percentage rate (APR), the finance /dividends, interest, rents, or profits - to live on without holding a job or running a business. Question Purchases made with your debit card are /organization is responsible for consumer protection in the financial sector. Its jurisdiction includes banks, credit unions, securities firms, payday lenders, mortgage-servicing operations, foreclosure /


2451 ATRIUM WAY | NASHVILLE, TN 37214 | 615–391–2500 | thinkingahead.com Tim Knight, CPC Vice President Commercial Banking Team Talent Acquisition & Retention.

Williamson County Habitat for Humanity and a Junior Achievement volunteer. Asset-Based Lending/Cash Flow Lending Turnaround/Restructuring Consultants Business & Commercial Banking Corporate & Investment Banking Equipment Leasing SKILL SETS: Executive Level Leadership Underwriting Business Development & Sales /guaranteed compensation) (1/3, 1/3, 1/3) Search activities commence at the time full job order information is taken and fee agreement executed Search activities commence at the time initial payment is /


2451 ATRIUM WAY | NASHVILLE, TN 37214 | 615–391–2500 | thinkingahead.com Michael Check Partner, Senior Recruiter Commercial Banking Team (615) 316-5478.

Executive Search Our Team Commercial and Corporate Banking Specialty Finance – Asset-Based Lending, Leveraged Lending Agriculture and Agribusiness Banking Commercial Real Estate Banking and Finance Equipment Leasing Turnaround/Restructuring Advisors Private Banking and Wealth Management General Counsel and Legal / compensation) (1/3, 1/3, 1/3) Search activities commence at the time full job order information is taken and fee agreement executed Search activities commence at the time initial payment is/


2451 ATRIUM WAY | NASHVILLE, TN 37214 | 615–391–2500 | thinkingahead.com Marc Shear, CPC Senior Recruiter Commercial Banking Team (561) 640-3000

Executive Search Our Team Commercial and Corporate Banking Specialty Finance – Asset-Based Lending, Leveraged Lending Agriculture and Agribusiness Banking Commercial Real Estate Banking and Finance Equipment Leasing Turnaround/Restructuring Advisors Private Banking and Wealth Management General Counsel and Legal / compensation) (1/3, 1/3, 1/3) Search activities commence at the time full job order information is taken and fee agreement executed Search activities commence at the time initial payment is/


Your Partner in Growth and Development 1 © Copyright FINA Bank Ltd. 2007 SME Banking: FINA GROUP Presentation by Frank Griffiths, FINA Group CEO World.

management, hired and trained No lending took place during pilot; lending started during extension phase Loan closing process proved to be very lengthy Your Partner in Growth and Development 13 © Copyright FINA Bank Ltd. 2007 Resources Staff -Department/years 60% of customers new relationships with Bank 44% of borrowers no prior credit history 18% female borrowers 1,465 jobs sustained 324 jobs created Your Partner in Growth and Development 15 © Copyright FINA Bank Ltd. 2007 SME Portfolio Amount Disbursed:/


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