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Small Business Credit Risk October 16, 2007
Seminar Agenda ,[object Object],[object Object],[object Object],[object Object]
About Sum2 ,[object Object],[object Object],[object Object]
Product Suite ,[object Object],[object Object],[object Object],[object Object]
Some Partners and Clients
2007 Raging Bulls ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Signs of Froth Appear ,[object Object],[object Object],[object Object],[object Object],[object Object]
What Goes Up
Submerged Risks
Against Backdrop Of ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
CRB Index Monthly Price Chart
Credit Market Problems ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Banks Assuming Higher Credit Risk
Kamakura Reports Fourth Consecutive Monthly Decline in Global Credit Quality Kamakura Troubled Company Index Rises to 8.0% in September
Anecdotal Observations ,[object Object],[object Object],[object Object],[object Object],[object Object]
Pascack Valley Hospital Impact of a Credit Default Event ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Pascack Valley Hospital Closure  ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Where's Goldilocks? ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Bernanke Goes Greenspan Federal Funds Rate
Sources of SMB Funding ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
SME Finance Sources ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
SME Self Funding ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
SME Self Funding ,[object Object],[object Object],[object Object],[object Object],Risk Premium On  Collateral Valuation And Market Risk
 
 
 
Private Equity ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Banks Response ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
 
Small Business Scoring Solution SBSS 6.0 Fair Isaac
SBSS 6.0 ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
 
Capital Allocation Requirements Regulatory Response ,[object Object],[object Object],[object Object],[object Object]
FDIC Chart: Capital Adequacy  Regulatory Capital to Cover Loan Losses
Banking Market ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Market Consolidation Rationalization ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
SBA Study ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],SBA Study
[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],SBA Study
SMB 360 ° ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
360 ° View of Risk and Opportunities ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Engagement Tools for Bankers and CPAs   ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Why Do SMBs Choose You? ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Steeple Analysis S Social (e.g. changes in social behavior that might impact product / service selection);  T Technological (e.g. rapid development in cheaper components that will affect product prices or performance);  E Economic (e.g. non-US exchange rates affecting key imported supplies);  E Environmental (e.g. waste re-cycling legislation and penalties on producers);  P Political (e.g. government directives on certification or subcontracting);  L Legal (e.g. changes in employment laws)  E Emerging (Domestic Regulatory or International) (e.g. NAFTA, or World Trade Organization agreements affecting market dynamics and competitors)
Steeple Analysis ,[object Object],[object Object],[object Object]
Steeple Analysis  ,[object Object],[object Object],[object Object],[object Object]
Steeple Analysis  ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
[object Object],[object Object],[object Object],[object Object],[object Object],Steeple Analysis
Steeple Analysis  ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
[object Object],[object Object],[object Object],[object Object],[object Object],Steeple Analysis
[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Steeple Analysis
[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Citations ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
 

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Small Business Cr Seminar Oct 2007

  • 1. Small Business Credit Risk October 16, 2007
  • 2.
  • 3.
  • 4.
  • 6.
  • 7.
  • 10.
  • 11. CRB Index Monthly Price Chart
  • 12.
  • 13. Banks Assuming Higher Credit Risk
  • 14. Kamakura Reports Fourth Consecutive Monthly Decline in Global Credit Quality Kamakura Troubled Company Index Rises to 8.0% in September
  • 15.
  • 16.
  • 17.
  • 18.
  • 19. Bernanke Goes Greenspan Federal Funds Rate
  • 20.
  • 21.
  • 22.
  • 23.
  • 24.  
  • 25.  
  • 26.  
  • 27.
  • 28.
  • 29.  
  • 30. Small Business Scoring Solution SBSS 6.0 Fair Isaac
  • 31.
  • 32.  
  • 33.
  • 34. FDIC Chart: Capital Adequacy Regulatory Capital to Cover Loan Losses
  • 35.
  • 36.
  • 37.
  • 38.
  • 39.
  • 40.
  • 41.
  • 42.
  • 43.
  • 44. Steeple Analysis S Social (e.g. changes in social behavior that might impact product / service selection); T Technological (e.g. rapid development in cheaper components that will affect product prices or performance); E Economic (e.g. non-US exchange rates affecting key imported supplies); E Environmental (e.g. waste re-cycling legislation and penalties on producers); P Political (e.g. government directives on certification or subcontracting); L Legal (e.g. changes in employment laws) E Emerging (Domestic Regulatory or International) (e.g. NAFTA, or World Trade Organization agreements affecting market dynamics and competitors)
  • 45.
  • 46.
  • 47.
  • 48.
  • 49.
  • 50.
  • 51.
  • 52.
  • 53.
  • 54.