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"Achieving Growth in a No Growth Environment" by CharlesWendel on March 3, 2010, 12:09 am, in category Banking
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Executive Summary: A stagnant economy, high levels of delinquencies, and limited excess cash are all factors contributing to the no or low growth scenarios that most banks face. However, stakeholders, in particular investors, will abandon banks that veer off a growth path for too long. Management needs to rethink its various growth “levers” and determine which it can employ today and over the next 12-18 months.
Many of our clients bemoan their inability to achieve organic growt.....
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"The Current Landscape: Limited Options for Growth" by CharlesWendel on February 16, 2010, 11:50 pm, in category Banks
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Executive Summary: The recent Bank Director’s “Acquire or Be Acquired” conference indicates that the industry’s near-term management options and organic growth opportunities are limited. However, acquisition activities will increase.
Two weeks ago I attended Bank Director’s annual conference on topics related to acquisitions. Discussions, both formal and informal, centered on likely scenarios for the banking industry and the current acquisition landscape.
N.....
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"FDIC’s Shared-Loss Arrangements - Part V" by CharlesWendel on February 3, 2010, 10:53 pm, in category Banking
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Executive Summary: Excellent reporting and information management capabilities are critical for managing FDIC Shared Loss Agreements (SLA) effectively and cost efficiently. However, many banks take on these transactions without understanding key reporting and tracking requirements. Banks preparing to enter the shared-loss arena need to address reporting complexities and determine whether to buy or build the software necessary to support these deals. Those that have already .....
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"FDIC’s Shared-Loss Arrangements - Part IV: Five Areas for Focus" by CharlesWendel on January 21, 2010, 11:34 pm, in category Banking
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Executive Summary: This newsletter continues our focus on Shared-Loss transactions with an emphasis on valuation and accounting issues. Both areas require third-party support from specialists. In addition, we focus on the need to have a strong operational process in place to evaluate, prioritize, and quantify potential FDIC claims for payment.
As mentioned last time, successfully managing an FDIC-supported Shared-Loss acquisition requires expertise in five key areas:
• Conduc.....
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"FDIC Shared-Loss Arrangements - Part III: Five Areas for Focus" by CharlesWendel on January 5, 2010, 9:04 pm, in category Banking
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Executive Summary: 2010 provides an extraordinary growth opportunity for those banks and investors that enter into FDIC-backed Shared-Loss Agreements. However, optimizing this “once in-a lifetime” opportunity requires a disciplined approach, beginning with conducting due diligence through managing the technology and reporting processes.
FIC’s Shared-Loss experience in working with banks and investors indicates that success with these transactions requires a high level of focu.....
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"FDIC’s Shared-Loss Arrangements - Part II" by CharlesWendel on December 22, 2009, 1:02 am, in category Banking
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Executive Summary: FDIC Shared-Loss Arrangements with banks and investors should increase significantly in 2010. To ensure strong productivity and to optimize returns, buyers of these failed banks need to implement a tailored and discrete process for identifying priority loan submissions and managing the multi-year submission and recovery process.
Our experience with Shared-Loss transactions suggests that every aspect of these deals, from due diligence to client management to track.....
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"FDIC’s Shared-Loss Arrangements: Great Opportunity with Some Challenges" by CharlesWendel on December 9, 2009, 10:59 pm, in category Banks
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Executive Summary: Entering into FDIC-backed Shared-Loss Arrangements provides banks with an opportunity that offers highly attractive economics. However, optimizing returns from a shared-loss arrangement can be complex. Further, the five-ten year time frame of these agreements demands significant process streamlining and automation.
In recent months, almost every Friday evening features the FDIC announcing its latest round of bank failures. In most cases, these failed banks become.....
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"“It’s Not My Bank”" by CharlesWendel on November 23, 2009, 10:01 pm, in category Banking
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Executive Summary: Banks continue to be encumbered by disaffected employees who are alienated from their employer and their customers.
At the end of a long meeting, I recently commented to one member of the client team that the bank was hard to push to action, despite a strong objective analysis that would point to immediate change. With some humor intended, I said, “Come on, it’s your bank. Why can’t you get them [senior management] to do something?”
With barely a mo.....
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"Back to the Future: Lessons from the Past" by CharlesWendel on November 9, 2009, 11:18 pm, in category Banking
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If I am correct in thinking that little will change in the next bubble…then the outlook for bank stocks is not particularly bright.”
--Ed Morsman in The RMA Journal
Executive Summary: History provides some great lessons for bankers wishing to minimize the impact of the current downturn and avoid the next one. Managing five key areas can help management steer a clearer course or even avoid future problems.
November’s RMA Journal presents a terrific article by Ed M.....
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"Back to Basics Again and Again and Again" by CharlesWendel on October 28, 2009, 12:46 am, in category Banking
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Executive Summary: For small business banking leaders, the same old issues continue to resurface. Determining a path and then consistently executing needs to become the priority.
In the last two weeks I have spoken at three conferences related to small business and the middle market (SME). In each case, themes that have been discussed for ten years or more resurfaced, including:
- How to design the SME banker’s role and responsibilities
- The de.....
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