Lending is one of the most important functions of any financial institution. If not managed properly, it can lead to credit quality problems, threatening the existence of the financial institution. To manage the lending function properly and mitigate credit quality problems, bank loan officers should be adequately trained in risk assessment techniques. No single textbook has previously covered credit risk analysis and lending management in a comprehensive and complete manner.'Credit Analysis and Lending Management, Third Edition' is a comprehensive and complete textbook on credit risk management. It is divided into seven parts, containing 16 chapters and 5 case studies. Parts I & II present a framework for assessing and managing credit risk. Parts III & IV include chapters that deal with special types of lending: consumer lending, corporate lending, small business lending and international lending. Part V details credit risk management and measurement techniques, and problem loan management. Part VI then looks at other forms of finance, while Part VII contains the case studies.Throughout this text, learning objectives are clearly indicated at the beginning of each chapter, and the chapter content then directly addresses these objectives. Additionally, new concepts are developed in a brick-by-brick manner, and are then supplemented by clear and useful examples.This third edition has been fully revised to address issues from the global financial crisis (GFC). It also contains new chapters on micro-finance, agricultural, and quantitative finance.
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The first layer would consist of everyday commerce and transactions (for example, deposits, payments, and consumer loans). Intermediation here would be virtually invisible and ultimately embedded into the routine digital lives of customers. The second and third layers would hinge on a barbell effect of technology and data, which, on one hand, enables more effective human interactions and, on the other, full automation. The second layer would also comprise products and services in which relationships and insights are the predominant differentiators (for example, M&A, derivatives structuring, wealth management, corporate lending). Leaders here will use artificial intelligence to radically enhance but not entirely replace human interaction. The third layer will largely be business to business, such as scale-driven sales and trading, standardized parts of wealth and asset management, and part of origination. In this layer, institutional intermediation would be heavily automated and provided by efficient technology infrastructures with low costs.
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Since 2012, the Credit Suisse Research Institute has been researching gender diversity within the governance and executive leadership teams. This unique contribution analyzes executive teams of over 3,000 companies comprising 30,000 executive positions from 56 different countries. The 2019 edition's findings show an increase of gender diversity in the boardroom but not in executive positions. Globally, less than 5% of the analyzed companies have female CEOs and 15% in CFO roles. Looking at the different regions, the USA and APAC reflect greater management diversity than Europe, with Europe retaining the greatest tailwind of government policies seeking to address gender diversity within supervisory boards. The report also presents new themes and analysis to complement prior work looking at family owned businesses, a discussion around the macro economic impact of increased female labor participation and fertility rates as well as the gender pay gap.
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