Fannie Mae Washington 2004
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The document summarizes the South African mortgage market and the role of SA Home Loans in developing securitization of mortgages in South Africa. It discusses how SA Home Loans launched the first residential mortgage-backed securitization deal in 2001, paving the way for growth in the securitization market. It also provides details on the structure and performance of SA Home Loans' securitization deals, how they have helped develop the capital markets, and lessons learned from engaging in securitization.
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Similar to Fannie Mae Washington 2004
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The document discusses the South African mortgage market and the growth of securitization in South Africa. It provides an overview of the size and characteristics of the South African mortgage market, dominated by big banks. It outlines the growth of SA Home Loans, one of the first non-bank lenders, which has originated over R20 billion in loans. SA Home Loans launched the first residential mortgage-backed securitization in South Africa in 2001 and has since completed several additional securitizations totaling over R15 billion, helping grow the market. The document concludes with some lessons learned about factors important for successful securitizations.
Christopher Kallivokas - FDIC Special Asset Sales
GreenPearl Exclusive: FDIC Special Asset Sales
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African Union for Housing Finance Conference: Raising capital for an inner ci...
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African Union for Housing Finance Conference: Raising capital for an inner city mortgage company promoting rental housing, 09/11/2013Sterling Pacific Financial - General Introduction
This document introduces trust deed investing with Sterling Pacific Financial. It describes trust deeds as secured real estate loans that offer above-market returns with relatively low risk due to collateral protection. Sterling Pacific identifies lending opportunities, allows investors to participate, and manages the process. The document outlines Sterling Pacific's investment process, types of borrowers and investors, and investment products including funding single or fractional trust deeds or investing in mortgage pools.
Fund Raising
This document discusses various aspects of raising funds domestically and globally. It begins by outlining the key topics that will be covered, including the process of fund raising, roles of different players, regulatory environment, types of instruments, costs, risks, and challenges. It then provides details on the introduction and process of fund raising. It describes the roles of various players like government, regulators, service providers, and media. It also discusses the regulatory environment, domestic and global instruments, specialized instruments, costs, risks, and challenges related to fund raising.
2Q10 Institutional Presentation
- Banco PINE is a Brazilian bank focused on providing corporate financial services to companies with annual revenues over R$150 million. It offers credit, treasury, and investment products.
- The presentation discusses Banco PINE's history, business strategy of cross-selling multiple products, organizational structure, current performance, and future prospects. Key metrics like loans, deposits, and profitability increased in the most recent quarter and year.
- Banco PINE aims to sustain earnings growth by leveraging cross-selling opportunities within its existing corporate client base and maintaining its solid credit quality and adequate capital levels.
DirectMoney Slides - May 2015
This investor presentation summarizes an opportunity to invest in a technology company positioned for growth in the marketplace lending sector. The company has an innovative warehouse model that enables immediate funding of loans. It has an experienced team and is operating in an untapped growth market with few competitors. Marketplace lending has grown rapidly in recent years and provides higher margins and lower costs compared to traditional banks. The company's model is designed for faster growth and earlier profits than competitors. It has achieved rapid early growth and is seeking a capital raising of $10-15 million to further fund loan origination and operations.
Hedge Funds - The tale of two
Hedge funds and investment banks packaged home loans into complex financial products like CDOs and sold them to investors seeking higher yields. As interest rates fell and home prices rose, more risky loans were originated and securitized. When the housing market collapsed in 2007-2008, the value of these securities plummeted due to high correlations within loan pools that rating models and investors failed to properly account for. Some hedge funds like Magnetar profited by taking positions that benefited from this mispricing, while others like Peloton suffered large losses after being overly exposed to subprime mortgage-backed assets. The crisis exposed flaws in how risk was assessed and allocated within structured products.
Sba Paul
The SBA provides assistance to small businesses through 10 regional and 69 district offices. It offers various programs including financial assistance, contracting assistance, entrepreneurship education, and support for technology development and innovation. The SBA works with partners to help small businesses start and grow but does not provide direct loans, instead guaranteeing loans made by conventional lenders.
SLAM brochure Dec 2016
- Smart Lenders Asset Management manages portfolios of consumer loans issued through online lending marketplaces in the US, targeting an annual return of 6.5-7.5% net of fees and defaults.
- They focus on prime borrowers and loans of short duration (around 18 months) to provide quality, security, and transparency for European investors.
- Online marketplace lending has grown significantly in recent years but still only accounts for a small portion of the overall US consumer lending market, representing an opportunity for further growth.
Credit Management Practices of BDBL
This presentation provides insights on the Credit Management Practices of Bangladesh Development Bank Limited
SME Growth Hack - Funding Circle '21st Century Loans Marketplace'
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AMERMS Course 4: Obtaining Funds from New Financial Instruments - PPT 1
FULL TITLE:
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ROOM: Aberdare Hall
FACILITATED BY: MFX Solutions
Mr. Howard Brady
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micro finance
Microfinance involves providing small loans and other financial services to low-income individuals who lack access to traditional banking. The history of microfinance includes early experiments in Ireland and Bangladesh in the 18th-19th centuries. Microloans are intended to spur entrepreneurship and alleviate poverty by funding micro-businesses. Applying for microloans typically requires basic documentation and collateral is often not required due to the small loan amounts. Critics argue that microfinance does not always reduce poverty and that high interest rates can burden borrowers.
Pyatt Broadmark Real Estate Fund I Presentation Oct 2015
This document provides an overview of the Pyatt Broadmark Real Estate Lending Fund I (PBRELF I). PBRELF I invests in short-term, first lien loans secured by real estate projects in the Pacific Northwest. The goal is to provide high-yield returns while minimizing risk. PBRELF I has $136.4 million in assets under management. It offers diversification, consistent performance, and monthly distributions to investors.
Investment Opportunities in Nigeria
Despite its recessionary economy, Nigeria presents great opportunities for the fearless investor. Managing Partner of AO Advisors, Babawole Akin-Aina, will help you navigate through the Nigerian markets and give his insights on alternative investment ideas and where capital produces the greatest return.
4Q11 Institutional Presentation
PINE is a specialized Brazilian bank that provides financial solutions to corporate clients. It has four primary business lines: corporate credit, hedging desk, investment banking/wealth management, and distribution. The bank has experienced strong growth in recent years across its business lines. It focuses on long-term client relationships and customized solutions. PINE has a diversified credit portfolio across industries and regions, with strong credit quality and low non-performing loans. The bank has increasingly diversified its funding sources through international issuances.
Merchant Banking - Indian Corporate Market, Clause 49 & Masala Bonds
A comprehensive presentation on merchant banking. It starts with Indiann corporate bond market and go on to basics of merchant banking and it digs deep into merchant banking activity. It also has few slides on Clause 49 (Corporate governance) and ends with latest topic Masala Bonds
Cat ECN Presentation Extendible CP Overview.ppt
The document discusses extendible commercial paper (ECP) and secured liquidity notes (SLNs) markets. It provides an overview of the SLN market, popular programs, and typical structures. It then details ABN AMRO's plans to launch a new multi-seller SLN conduit called Nightwatch Funding LLC. The conduit will issue SLNs to fund various asset classes like mortgages, student loans, and autos. The transaction is described, including use of a market value swap to protect against market risk until the underlying assets can be securitized.
Sources of Capital in Today’s Difficult Credit Environment
Your bank tells you that they won't lend you any more money (or they want the money back that they have loaned to you). What do you do now? Despite a very difficult credit environment, there are other options to fund your business. Please join Michael Booth of Sebaly Shillito + Dyer, and Cliff Bishop of Brady Ware Capital for a discussion of the current state of the credit markets as well as other options for funding the capital needs of your business.
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African Union for Housing Finance Conference: Raising capital for an inner ci...
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After this first you should: Understand the nature of mining; have an awareness of the industry’s boundaries, corporate structure and size; appreciation the complex motivations and objectives of the industries’ various participants; know how mineral reserves are defined and estimated, and how they evolve over time.
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The Rise of Generative AI in Finance: Reshaping the Industry with Synthetic Data
In this presentation, we will explore the rise of generative AI in finance and its potential to reshape the industry. We will discuss how generative AI can be used to develop new products, combat fraud, and revolutionize risk management. Finally, we will address some of the ethical considerations and challenges associated with this powerful technology.
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...
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Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth CapitalOAT_RI_Ep20 WeighingTheRisks_May24_Trade Wars.pptx
How will new technology fields affect economic trade?
Seminar: Gender Board Diversity through Ownership Networks
Seminar on gender diversity spillovers through ownership networks at FAME|GRAPE. Presenting novel research. Studies in economics and management using econometrics methods.
Tax System, Behaviour, Justice, and Voluntary Compliance Culture in Nigeria -...
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Lecture slide titled Tax System, Behaviour, Justice, and Voluntary Compliance Culture in Nigeria - Prof Oyedokun.pptxRole of Information Technology in Revenue - Prof Oyedokun.pptx
Role of Information Technology in Revenue - Prof Oyedokun.pptxGodwin Emmanuel Oyedokun MBA MSc PhD FCA FCTI FCNA CFE FFAR
Lecture slide on the Role of Information Technology in Revenue Generation and Collection
Independent Study - College of Wooster Research (2023-2024)
"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
how to sell pi coins effectively (from 50 - 100k pi)
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the what'sapp number.
+12349014282
1：1制作加拿大麦吉尔大学毕业证硕士学历证书原版一模一样
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本公司拥有海外各大学样板无数，能完美还原海外各大学 Bachelor Diploma degree, Master Degree Diploma
1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问Q/微741003700
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
BONKMILLON Unleashes Its Bonkers Potential on Solana.pdf
Introducing BONKMILLON - The Most Bonkers Meme Coin Yet
Let's be real for a second – the world of meme coins can feel like a bit of a circus at times. Every other day, there's a new token promising to take you "to the moon" or offering some groundbreaking utility that'll change the game forever. But how many of them actually deliver on that hype?
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Fannie Mae Washington 2004
- 1. DC Housing Finance Symposium Linking Primary Mortgage Markets to Capital Markets - the Perspective of Practitioners by Simon Stockley 20 th April 2004
- 4. SA Home Loans Activities since launch: February 1999 as at April 2004 : Gauteng 30% : R12billion : R1.1billion (December 2002) Number of loans processed : 45 000 Value of loans processed : R15billion Breakdown by region Value of loans approved : KZN 35% : W Cape 35% Securitised Portfolio Thekwini Fund I : R1.25billion (December 2001) Thekwini Fund II Un-securitised : R6billion Thekwini Fund III : R2billion (December 2003)
- 8. Positioning
- 11. Control Public Special Purpose Vehicle Trust Loans To the Public Senior Securities Subordinated Securities Purchase Securities Independent Trustee External Auditor Origination & Management Fee : 0.5% JIBAR Rate Plus 2.1% 1.6% Yield pick up Securitisation Structure Institutional Investors
- 12. Investment Structure Public Loans JIBAR + 2.1% Thekweni I Special Purpose Vehicle R1.25 Billion A Class 92 % AAA Rating JIBAR + 70 Points B Class 8 % BBB Rating JIBAR + 230 Points C Class 2.5 % Unrated Pay away 1.6% to investors SAHL 0.5% Management Fee Standard Bank Deloitte & Touche Standby Administrator
- 13. Schematic Diagram of Structure SA Home Loans Redraw Facility Investors Bank Funding Hedge Counterparty Main Street 65 (Pty) Limited Home Loan Borrower The Thekwini Fund 2 Limited Indemnity and Mortgage first lien over the Home Loan Borrower’s property Monthly payments Loan Servicing Loan origination Servicing Reserve fund Transfer of mortgages Purchase of mortgages Wholesale loan Mortgage first lien Loan Hedging Repayment of the Wholesale loan Quarterly obligations Cash proceeds Notes issue Transfer of security Excess spread Guarantee Committed loan facility Guarantee Trust Security Trust Home Loan Borrower
- 14. SAHL Legal Structure Public Public Public Public Public SPV SPV SPV Senior MBS Junior MBS Senior MBS Junior MBS Senior MBS Junior MBS Short Term Insurer Life Insurer SAHL Interim Funder External Directors Auditors MARKET MAKER INVESTORS INVESTORS SECURITIES AND AGREEMENTS THE PUBLIC SA HOME LOANS SPECIAL PURPOSE VEHICLES MORTGAGE BACKED SECURITIES INSTITUTIONAL INVESTORS
- 17. Increasing Sophistication Improved Tranching Spread Compression Source: Standard Bank
- 18. Thekwini 3 Term Sheet
- 20. Thank you. Simon Stockley CEO - SA Home Loans (Pty) Ltd Phone : (031) 560 5392 Fax : (031) 562 4266 Cell no : 083 276 0068 e-mail : simons @ sahomeloans .com
Editor's Notes
- Presentation summary