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Picking Bank Stocks to Invest In

Choosing Comparable Companies for Banks and Diversified Financial Institutions This is our second post on analyzing bank stocks. Keep in mind that when looking at banking, the most pure play bank is a bank that takes deposits and lends, charges service fees and invests excess equity in relatively safe fixed income

Introduction to Analyzing Bank Stocks

The following article should not be taken as investment advice and is for information purposes only For most people who invest in stocks, whether through building a blue chip portfolio themselves or through mutual funds/ETFs, they are usually invested in bank stocks. The big banks are an important part of every

Liquidity Ratios and Asset Based Lending

Illiquidity and Insolvency for Debtors Any entity that has debt can become illiquid or insolvent. Illiquid means that the debtor cannot service the debt at the time with liquid assets (which in accounting class generally means cash, accounts receivable and inventory - in decreasing order of liquidity), not because it does

Types of Revolving Loans

What is a Revolving Loan? Revolvers are some of the most common loan products available from commercial banking and corporate banking. Most people are familiar with the concept of a regular loan. The borrower takes out a fixed amount of money (the loan principal) that must be paid off along with the

Commercial Banking

Commercial Banking Overview Commercial banking is the business of offering deposit and credit (lending services) products to small, medium and large enterprises. Commercial banking divisions are set-up differently at each of the Canadian banks. Junior roles are either credit related, sales related or a combination of the two roles. Deposit taking is

Corporate Banking Deals and Transactions

Written by a corporate banker at a major North American bank What keeps corporate and commercial bankers busy when they are not doing annual reviews? Deals! Servicing a portfolio encompasses a variety of loan transactions, which are outlined below: New Debt/Credit Facility These are the most exciting transactions for corporate and commercial bankers. New