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Grabbing RISK by the Tail
- Article from:
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Bank Director
- Article date:
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October 1, 2007
- Author:
- Engen, John R
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Copyright informationCopyright Bank Director Fourth Quarter 2007. Provided by ProQuest LLC. (Hide copyright information)
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THE BOARD'S ROLE IN RISK MANAGEMENT IS ONE OF ITS MOST CRITICAL, YET ELUSIVE, RESPONSIBILITIES.
Risk management lies at the core of the banking business. From the way financial institutions grant and price loans, to how they monitor credit quality and interest-rate fluctuations, making informed judgments about what will happen next-and then preparing for it-is what the industry is all about. But that doesn't mean banks don't get burned. Increasingly, it seems, that's part of the business, too.
Take this summer's liquidity crisis. It began with a dip in housing prices and accelerated with tough news about inflation and job growth. Before long, delinquencies soared, as borrowers-especially ...
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Credit underwriting standards and profitable growth.(Retail Risk...
The RMA Journal;
October 1, 2005 ;
Patenaude, Alice;
787 words
......the 2005 RMA/CBA Retail Risk Management Conference, Gail Gandy...Focusing on the positives. 4. Housing prices. 5. Product development...value of maintaining strong risk management principles when things are...policy. External Challenge: Housing Prices Today's ...
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Housing prices in 70 major Chinese cities up 5.8 pct in November
Xinhua News Agency;
December 20, 2006 ;
165 words
...Housing prices in 70 major Chinese cities up 5.8...BEIJING, Dec. 20 (Xinhua) -- The average housing prices for newly- built apartments in China...Commission (NDRC) said Wednesday. Housing prices in Fuzhou, capital city of southeastern...
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Jump in housing prices induces overheating worries
China Daily;
April 21, 2004 ;
Fu Jing;
392 words
...Housing prices in the Chinese economic hub of Shanghai...Shenyang and East China's Qingdao, where housing prices went up by 19.6 per cent and 16 per...quarter in 2003, national average housing prices have increased by 2.6 per cent. "Housing...
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Rabobank predicts steady rise in Dutch housing prices
Xinhua News Agency;
May 9, 2008 ;
251 words
...Rabobank predicts steady rise in Dutch housing prices BRUSSELS, May 9 (Xinhua) -- Housing prices in the Netherlands will continue to rise...paper Financiele Dagblad reported Friday. Housing prices in the Netherlands will grow 3 percent...
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Rein in housing prices
China Daily;
May 19, 2006 ;
504 words
......again tackling the runaway growth of housing prices. Yet, also to their suspicion, will...campaign to deal with skyrocketing housing prices, especially in a number of large cities...unfortunately, double- digit growth of housing prices in some major cities has only made...
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 "AAP General News (Australia)")
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Fed: PM says housing prices to remain high
AAP General News (Australia);
August 4, 2003 ;
96 words
...00-00-0000 Fed: PM says housing prices to remain high Prime Minister JOHN HOWARD says housing prices in Australia will remain high. Mr HOWARD says one reason housing prices are rising across the country is because low interest rates have led...
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Survey: May housing prices didn't increase in real terms
Jerusalem Post;
June 19, 1995 ;
GALIT LIPKIS BECK;
189 words
......LIPKIS BECK Jerusalem Post 06-19-1995 HOUSING prices did not increase in real terms last...CBS) method for measuring changes in housing prices. According to the bank, the rise in housing prices has moderated since the start of the...
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China's housing prices up 5.5 percent last year
Xinhua News Agency;
January 19, 2007 ;
215 words
...China's housing prices up 5.5 percent last year BEIJING, Jan. 19 (Xinhua) -- Housing prices on the Chinese mainland rose by an average...National Bureau of Statistics. In December, housing prices in 70 major cities rose 5.4 percent on...
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Improving home equity risk management practices.(Retail Risk)
The RMA Journal;
March 1, 2005 ;
Sullivan, Mary Beth;
787 words
......lenders must act now to improve their risk management capabilities by enhancing underwriting...there will be downward pressure on housing prices. Because consumer spending behavior...may be the year we see corrections in housing prices in many markets across the country...
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Housing Prices High for Low Income Workers
AP Online;
August 9, 2005 ;
JENNIFER C. KERR, Associated Press Writer;
541 words
......08-09-2005 Dateline: WASHINGTON Housing prices are far outstripping salary...It's not just the level of housing prices versus wages, but the fact that, especially in some areas, the housing prices are growing so much faster...
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Housing prices keep rising in Chinese cities, but more slowly
Xinhua News Agency;
October 20, 2006 ;
165 words
...Housing prices keep rising in Chinese cities, but more slowly BEIJING, Oct. 20 (Xinhua) -- Housing prices in 70 major Chinese cities have continued...central government's efforts to stabilize housing prices, said the release. Investment in real...
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Fed: Govt coffers to grow further, housing prices static: Access
AAP General News (Australia);
October 17, 2005 ;
466 words
......Fed: Govt coffers to grow further, housing prices static: Access (Eds: Embargoed to 0001...sector for at least another year but housing prices will take longer to turn around, a...iron ore." Mr Richardson said while housing prices remained flat, particularly in states...
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Control housing prices
China Daily;
May 28, 2007 ;
373 words
...The ongoing rise in housing prices in 70 large- and medium-sized...policies for reining in runaway housing prices. Prices rose by an average of...strong and continued rises in housing prices over the past months. What is...
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BRITAIN'S HOUSING PRICES STILL RISING
United Press International;
August 10, 2004 ;
154 words
......International 08-10-2004 Britain's housing prices still rising LONDON, Aug 10, 2004...home in Britain costs $317,521 with housing prices in the North and in Wales rising twice...percent annually. The Land Registry said housing prices in Wales grew by 27 percent to $229...
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