Investment banks squabble over carbon footprint of underwriting deals
Financial Times - Banking
JULY 6, 2023
Working group votes on whether to exclude portion of underwriting deals from net zero targets, but critics see ‘double standards’
Barclays details plans to revamp investment banking returns
Financial Times - Banking
OCTOBER 1, 2024
Co-heads of British lender’s investment banking arm seek to reduce reliance on debt underwriting
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European leveraged finance: A whole new world
JD Supra: Mergers
JANUARY 30, 2024
Subdued M&A pipeline and cautious underwriting by banks limit buyout financing opportunities. But as the market adjusts to the “new normal”, rate and price stability offer hope for a brighter 2024. Rising interest rates have pushed up borrowing costs and constrained issuance activity. By: White & Case LLP
Finance 
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What is an Insurance Underwriter? (Definition and Key Responsibilities)
Peak Frameworks
SEPTEMBER 19, 2023
An insurance underwriter is a professional responsible for evaluating the risk of insuring a person or asset and determining policy terms. Originating from marine insurance in Europe during the 17th century, underwriting has come a long way. The Process of Underwriting Risk Assessment Let's take the example of life insurance.
Underwriting 52
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Bulge Bracket Banks: 2024 Edition
Mergers and Inquisitions
NOVEMBER 22, 2023
I never expected to revisit the topic of bulge bracket banks so quickly because the full list changes slowly, and we updated it a few years ago. What is a “Bulge Bracket Bank”? The name “bulge bracket” (BB) comes from the prospectus for an IPO or debt issuance, which lists all the banks underwriting the deal.
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Michael Mufson Discusses Investment Banking and Business Exit Strategies
How2Exit
JUNE 10, 2024
E221: Michael Mufson Discusses Investment Banking and Business Exit Strategies - Watch Here About the Guest(s): Michael Mufson is a seasoned investment banker with a distinguished career spanning over several decades. Understanding the investment banking process can make a significant difference when preparing to sell or merge a business.
How Merchant Banks Help Businesses Grow and Succeed
Razorpay
AUGUST 9, 2023
Regular individuals have retail banks. Huge corporations have investment banks. The answer: Merchant banks. Merchant banks are a very important part of the financial ecosystem, since they support the largest chunk of businesses – the mid-sized ones. What is a Merchant Bank? billion).
Bank 52
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How the Growth of Private Credit is Impacting Private Equity
OfficeHours
AUGUST 25, 2023
Following the GFC, the government enacted new regulations that limited banks’ abilities to underwrite highly leveraged financing. Over time, private credit providers with greater financial flexibility stepped in to fill the void left by the banks’ retreat. However, this business can be risky for banks.
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Investment Banking – Meaning, Functions and More
Razorpay
JULY 27, 2023
Similarly, businesses with large, complex financial needs go to the country’s biggest banks. These banks are called investment banks. Let’s take an in-depth look at what an investment bank is, and how businesses benefit from them. What is Investment Banking? To do this, she approaches ABC Investment Bank.
Arm listing stirs Wall Street bankers’ hopes of IPO fee revival
Financial Times - Banking
SEPTEMBER 14, 2023
Underwriters in line for $104.6mn payday after chip designer’s flotation on Nasdaq
Underwriting 85
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GenAI is coming for commercial lending. Here’s what to do.
Global Banking & Finance
OCTOBER 12, 2024
By Kris Kowal Origination, relationship management, underwriting, loan servicing, portfolio monitoring, risk management, compliance, innovation and product development: That’s commercial lending. Commercial banks should be focusing on that “when.” That’s because, even if the GenAI tools were […]
Underwriting 59
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How do Banks Make Money? Explanation, Examples
Peak Frameworks
OCTOBER 30, 2023
While the term "bank" may conjure a monolithic image, the reality is far more nuanced. The world of banking can be broadly divided into: Retail Banks: Think of your local branch where you have your checking and savings accounts. For example, Wells Fargo and Bank of America are giants in this space. interest annually.
Bank 52
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What is Private Banking and How Does It Work?
Razorpay
DECEMBER 15, 2024
What is Private Banking? Private banking is a personalized financial and wealth management service provided by banks to high-net-worth individuals (HNWIs). Unlike retail banking, which caters to the general public, private banking focuses on delivering banking services for affluent individuals and businesses.
Bank 52
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Why SBA Loans Are Key to Small Business Acquisitions – Ray Drew Tells All
How2Exit
SEPTEMBER 15, 2024
Banks want you to have skin in the game." Underwriting and Closing Phases Following pre-approval, the underwriting phase dives deeper into the financial validation and creation of the SBA credit memo. Notable Quotes: "I've been an SBA lender since I was 22. I'm 35 now.
Business 130
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Investment Banking M&A Volumes Up 15%
Street of Walls
AUGUST 27, 2012
Investment banking volumes were mediocre on the week amidst the summer doldrums Equity underwriting volumes of $10.7 However, over 80% of the total volume in the week was the result of a $9 billion private placement by Bank of Communications in China in order to help meet the country’s capital requirements.
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Investment Banking Deals Improved 16%
Street of Walls
OCTOBER 1, 2012
Both announced and completed M&A improved but remain light while equity and debt underwriting were solid on the week Equity underwriting volumes of $19.4 In 3Q12, equity underwriting volumes averaged 17% above both the 2Q12 weekly average level and the 3Q11 average weekly level. and the DB currency VIX declined by 0.7%
Mastering complexity: the premium payment processing revolution in insurance
Global Banking & Finance
SEPTEMBER 26, 2024
Program administrators, including brokers, managing general agents (MGAs) and managing general underwriters (MGUs) play a vital role in facilitating and distributing insurance products. Success lies in the […]
Insurance 52
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London-listed SPAC moves closer to launch of Lloyd’s insurance vehicle
Global Banking & Finance
SEPTEMBER 8, 2023
Financial Acquisitions Corp said it had established London Innovation Underwriters Limited […]
Insurance 52
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Behind the Buyouts: FTV’s Bernstein on Fusion of Payments, Vertical Software
The Deal
JUNE 12, 2023
More people are disintermediating banks or traditional financial solutions and just integrating into the software,” Bernstein said. operates a platform for solar power installers that manages customer’s applications, underwriting and approvals for financing. Likewise, FTV Capital’s Sunlight Financial Holdings Inc.
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Citi reports strong third quarter in institutional clients group despite fall in equities income
The TRADE
OCTOBER 13, 2023
Wall Street giant Citi has reported a strong quarter in its institutional clients group division, which covers markets, services and banking, as net income rose 12% year-on-year. Markets saw a 10% increase, driven by a solid showing in fixed income according to Citi. Within that segment, revenues in fixed income saw a 14% uptick to $3.6
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59 Lloyd’s of London plans overhaul of ‘unclear’ conduct rules
Global Banking & Finance
SEPTEMBER 12, 2024
LONDON (Reuters) – Lloyd’s of London said on Thursday it plans to overhaul its rules on dealing with poor conduct in the commercial insurance market as its current processes for dealing with bad behaviour could be “unclear” The Lloyd’s of London market, which employs nearly 50,000 people across insurance underwriting and (..)
Underwriting 40
40 Commercial insurance prices may not yet be coming down, Lloyd’s chairman says
Global Banking & Finance
SEPTEMBER 5, 2024
Lloyd’s, which is made up of more than 50 insurance companies, underwrites specialist risks from […]
Insurance 40
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Commercial insurance prices may not yet be coming down, Lloyd’s chairman says
Global Banking & Finance
SEPTEMBER 5, 2024
Lloyd’s, which is made up of more than 50 insurance companies, underwrites specialist risks from […]
Insurance 40
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Should You Monitor Your Customer Concentration?
Focus Investment Banking
FEBRUARY 6, 2025
Creditors, underwriters, buyers, and investors are keenly aware of this and routinely check these workflows carefully before making an investment decision, especially if the company in question expects to operate as a standalone entity.
MUFG and Morgan Stanley to further collaborate on FX offerings
The TRADE
JULY 19, 2023
Specifically, MUFG’s main banking offshoot (MUBK) will link with fixed income at Morgan Stanley MUFG Securities (MSMS), utilising Morgan Stanley’s global FX business platform. The move comes in the face of regulatory developments, the constant electronification of markets and the increased adoption of new technologies, said the banks.
Allianz Trade in Hong Kong celebrates 25 years of success
Global Banking & Finance
MARCH 22, 2024
Known as Hermes Credit Underwriters (“Hermes”) at the time, […]
Trading 40
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What Business Owners Should Know about the Events that may Change their Exit Strategy
Lake Country Advisors
MARCH 2, 2021
The SBA (Small Business Administration) has temporarily revised their underwriting guidelines where principal and interest payments are deferred for a borrower for up to six months of the initial loan. The SBA also is expected to provide a 90-percent guarantee to the bank, which is up from 75 percent now.
Business 52
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How to Ace your PE Case Study
OfficeHours
AUGUST 7, 2023
Remember that a sellside’s projections will almost always be more aggressive than a PE firm will underwrite, so you’ll want to haircut them significantly. investment banking, private equity , VC, etc.) As you fill in the model, think about the growth projections you saw in the CIM for the income statement. and how our process works.
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M&A Dealflow Declined 12% to $39.8 billion
Street of Walls
SEPTEMBER 4, 2012
Investment banking volumes were soft across the board as activity slowed as expected heading into the holiday weekend Equity underwriting volumes of $4.5 Thus far in 3Q12, equity underwriting volumes are averaging 18% below both the 2Q12 weekly average level and the 3Q11 average weekly level. Announced M&A volumes of $39.8
M&A 40
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Boopos CEO Juan Ignacio García Braschi Discusses Funding Criteria for Acquiring Ecommerce and SaaS Businesses
How2Exit
OCTOBER 10, 2023
Juan has a background in finance and technology, and he has experience in investment banking and private equity. rn rn The Boopos Approach rn Boopos takes a unique approach to underwriting businesses by evaluating them as if they were the ones buying the company.
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Competing and Thriving: NBFC’s Digital Mastery Blueprint for the Next 5 Years
Razorpay
NOVEMBER 30, 2023
From being tagged as “shadow banks” at one point to now claiming the center stage in the country’s wealth creation journey, NBFCs in India have more than proven their worth and agility in the past few years. The product utilises our payouts technology, facilitating large-scale money disbursement for businesses through API banking.
Accountant 52
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Tech unicorns UK – complete guide to the billion-dollar club
Growth Business
AUGUST 22, 2023
The female-founded unicorns on this list include Catherin Vines of Zepz, Anne Boden of Starling Bank, Marcia Kilgore of Beauty Pie, and Victoria van Lennep of Lendable. The group comprises of brokering firm Howden, underwriting agency DUAL, MGA and its data and analytics arm HX. It also works as a conventional bank.
Insurance 52
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What are ESG (Environmental, Social, and Governance) Scores?
Peak Frameworks
SEPTEMBER 10, 2023
Consequently, professionals working in private equity, corporate finance, or investment banking should have a comprehensive understanding of ESG scoring. If you're interested in breaking into finance, check out our Private Equity Course and Investment Banking Course , which help thousands of candidates land top jobs every year.
Government 52
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What is Merchant Onboarding? How it Works, Benefits & Key Players
Razorpay
JULY 24, 2024
Underwriting: Assess the business’s financial stability, creditworthiness, and risk profile. Payment Gateways They serve as technology platforms that facilitate secure data transfer between businesses and PSPs or acquiring banks. Acquiring Banks Acquiring banks collaborate with PSPs during merchant onboarding.
IT 40
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The Collision Vision: Supporting Employee Health with Richie Seaberry | Saftey First
Focus Investment Banking
NOVEMBER 11, 2024
So voluntary life insurance is the ability for me as the employee to purchase group rated life insurance that I’m paying for and I’m able to do it without having to go through a bunch of medical underwriting hoops. So one of the things that you also want to think about is your average American doesn’t have over.
Insurance 52
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Covid-19 Impact on US Private Capital Raising Activity in 2020
InvestmentBank.com
MAY 26, 2021
Debt Markets Prior to COVID-19, some analysts and debt underwriters encouraged debt issuers to exercise caution after the tenth straight year of economic expansion [1]. Companies that were unable to access PPP or SBA loans often found themselves unable to qualify for credit as banks tightened their credit requirements for new loans.
AI in Payments: How AI is Transforming the Payments Industry?
Razorpay
SEPTEMBER 12, 2024
For example, machine learning can spot irregular spending, such as large purchases or transactions from unexpected locations, and alert banks. Its instantaneous data processing will prove vital for risk analysis and credit underwriting. Which Businesses is Getting Benefits of AI Payments?
The 20 greatest trading innovations
The TRADE
OCTOBER 24, 2024
Given the proliferation of high frequency trading (HFT) several investment banks chose to launch these alternative trading systems (ATS) as a means of protecting institutional clients who are typically slower to execute. Systematic internalisers (SIs) Next up in The TRADE’s innovation rundown are systematic internalisers (SIs).
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Understanding IRDAI’s Bima-ASBA: New UPI-Based Payment System for Insurance Premiums
Razorpay
MARCH 5, 2025
Starting March 1st, 2025, insurers will be required to block the premium amount in the policyholder’s account and only debit it once underwriting is successfully completed. The blocked amount is only deducted once the insurer completes underwriting and issues the policy. What are UPI One-Time Mandates?
Insurance 52
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How to Buy a Business with Almost No Money: SBA Loan Strategies & Franchise Goldmines
How2Exit
MARCH 17, 2025
As Eckstein explains, SBA loans require borrowers to use tax returns for underwriting. or $10M, potentially with a tiered guarantee system, allowing banks to take on slightly more risk while still making business acquisitions possible for more buyers. Yet, there’s a catch. Who Should Work with Beau Eckstein?
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What Is A Payment Service Provider (PSP), And How Does It Work?
Razorpay
NOVEMBER 25, 2024
PSPs play a pivotal role in enabling businesses to accept various payments like credit and debit card transactions, direct debit, bank transfers, and real-time bank transfers through a single platform. This approach allows businesses to start accepting payments quickly with minimal paperwork and underwriting requirements.
IT 52
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What is an Account Aggregator? A Complete Guide
Razorpay
DECEMBER 23, 2024
Here’s an account aggregator example to illustrate the concept better: Imagine you want to apply for a loan from a bank. Traditionally, you would need to provide various documents like bank statements, salary slips, tax returns, etc. Data Usage: The FIU uses the data for the purpose it was intended for, say loan underwriting.
Accountant 52
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Fireside Friday with… TD Securities’ Matthew Schrager
The TRADE
FEBRUARY 7, 2025
For example, OpenYield (in which, disclosure: my employer, TD Bank, is an investor) is building innovative trading protocols to create a more equity-like experience for fixed income investors. Timelines are long, processes are manual, and underwriting fees haven’t budged.
Securities 59
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What are Merchant Category Codes (MCC)? – Importance and Examples
Razorpay
JANUARY 27, 2025
Acquirers and payment processors use MCC data to assess the risk profile of a merchant and apply appropriate measures, such as higher reserve requirements, more stringent underwriting procedures, or additional fraud prevention tools. This helps mitigate potential losses and ensures the stability of the payment ecosystem.
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