Structure and pricing of large bank loans

Article Abstract:

Companies generally prefer large bank loans over other available financing sources. Features including shorter maturity, and flexibility in the timing, amount of the loan, contract terms, and availability of a fixed-spread floating rate of interest encourage make such loans desirable. However, large bank loans often entail additional fees such as one time fees, yearly fees, cancellation fees and fees on the unused portion of loan contract. Bank loans, which are usually smaller than private placements and public debt issues, can also pose some problems for borrowers who need more funds.

Commercial Banks, Commercial Banking, Business Financing, Analysis, Finance, Corporations, Corporate finance, Bank loans

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FDIC Improvement Act and corporate governance of commercial banks

Article Abstract:

The effects of provisions in the FDIC's Improvement Act of 1991 (FDICIA) on bank CEOs and audit committees are examined. The debate about compensation for bank executives is discussed, and the relevant provisions of FDICIA are described. It is predicted that FDICIA will increase independence in the composition and operations of bank audit committees. Salary packages of directors and CEOs for sample banks and industrial firms are compared, resulting in evidence that bank CEOs earn less than industrial CEOs by a mean average salary of $936,000 to $1,183,000.

DEPOSITORY INSTITUTIONS, Laws, regulations and rules, Corporate governance, Bank examinations

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Economic factors, monetary policy, and expected returns on stocks and bonds

Article Abstract:

The influence of the stance of monetary policy on security returns was proven to have explanatory power for large stocks, corporate bonds and small stocks. The study utilized two methods of monetary policy actions, namely the federal funds rate and index based on the change in the discount rate. Results reveal that monetary conditions affect business conditions proxies and that monetary policy actions include important information that may be utilized to predict expected stock and bond portfolio returns.

Research, Evaluation, Monetary policy, Economic forecasting

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