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Zombie Banks and Problem Banks
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Zombie Banks and Problem Banks

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For small business owners, avoiding Zombie Banks and other Problem Banks is a critical key to success when seeking small business financing, working capital and commercial real estate loans.

For small business owners, avoiding Zombie Banks and other Problem Banks is a critical key to success when seeking small business financing, working capital and commercial real estate loans.

Published in Business , Economy & Finance
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Transcript

  • 1. Avoiding Zombie Banks and Problem Banks Stephen Bush AEX Commercial Financing Group http://www.aexbush.com
  • 2. What Is a Zombie Bank?Bank operating with a negative net worthdue to government credit guarantees“Toxic Debt” liabilities exceed value of(generally shrinking) assetsCan still have funds to lend but has severelyreduced lending due to problems AEX Commercial Financing Group
  • 3. Relevant Banking Quotes“Banking establishments are more dangerousthan standing armies.” (Thomas Jefferson)Headline: “Problem Bank List at 20 Year High asRegulators Let Zombie Banks Remain Open”“We need not only a reinstitution of Glass-Steagall, but even a more serious limitation onbanks.” (David Stockman) AEX Commercial Financing Group
  • 4. Which Banks Are Zombies?Many Zombie Banks are “Too Big to Fail”844 troubled banks on FDIC “Problem Bank” ListFDIC does not “name names” of troubled banksReduced lending activities are a key symptom AEX Commercial Financing Group
  • 5. AEX Commercial Financing Group Business Finance SolutionsAEX provides business bank consulting andcommercial lender communications. We helpsmall business owners to find “good” bankswhile avoiding Zombie Banks and “bad” banksAEX is a small business finance consultant forbusiness lender negotiations, business financecommunications and commercial loan solutionsthroughout the United States AEX Commercial Financing Group
  • 6. Small Business Help Stephen BushAEX Commercial Financing Group http://www.aexbush.com