SMSFs and Borrowing
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In August 2009, Cleardocs hosted seminars in Melbourne and Sydney focusing on SMSF borrowing through instalment warrant arrangements. The Seminars were presented by Julian Smith, a partner at Maddocks - and in Melbourne, by Fiona Da Silva from St George Bank, and in Sydney, by Wayne Scott from NAB. Series of video clips are also available at http://www.youtube.com/watch?v=vTxso0pcP2Y
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This document discusses the operational and liquidity impacts of central clearing counterparties (CCPs) on banks and other financial institutions. It notes that CCPs will require large amounts of high-quality collateral from participants to back trades, posing liquidity challenges. Variation margin requirements being cash-only could also force asset sales during stressed markets. While banks may benefit from netting, buy-side firms face larger costs due to one-sided exposures. The document examines issues around trade processing, collateral management, and the different regulatory approaches between the US and EU. It emphasizes the need for participants to assess liquidity requirements under stress and diversify sources of funding.
Investment Policy of Banks-B.V.Raghunandan
This document discusses the investment policy of banks, outlining criteria like liquidity, profitability, and statutory compliance. It describes the components of a bank's investment portfolio, including money market instruments, and their loan portfolio priorities like priority sector and consumer lending. The document also covers principles of their investment/lending policy like diversification, safety, and debtor evaluation. It outlines tools for portfolio management such as asset-liability management and managing different types of risks.
Creative Tax Financing - Leverage the Burden
An securities-based loan (SBL) allows one to use eligible securities in a personal brokerage account as collateral for a line of credit to pay taxes or other expenses. With an SBL, your investments are not liquidated so your portfolio's growth potential may be preserved compared to liquidating assets. The application process for an SBL is simple with credit decisions typically made within 1-2 days, and funds can be easily accessed by check or wire. However, there are risks like possible margin calls on short notice and market conditions magnifying potential losses.
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.
Bank business development officer resource
How can commercial bank lending officers add value for their clients? Contact Cinergy Commercial Capital.
BFSM Unit - II.pptx
This document provides information on sources and application of bank funds, including capital adequacy, deposits, non-deposit sources, loan types, and credit analysis. It discusses capital adequacy ratios and their calculation. It describes various deposit types including transaction deposits and term deposits. It also outlines non-deposit sources of funds such as certificates of deposit, foreign funds, and money market funds. The document discusses designing deposit schemes, pricing deposits, and applying bank funds through lending and investments. It details various loan types including fund-based, non-fund-based, and asset-based loans. It outlines the major components of a loan policy and the steps involved in credit analysis, delivery, administration, and pricing of loans. It concludes with
Chapter 5.Short Term Financing
This document discusses various sources and methods of short-term financing for companies. It describes spontaneous financing sources like trade credits and accruals that arise from normal business operations without additional negotiation. Trade credits can come from open account arrangements, notes payables, or trade acceptances between suppliers and buyers. The document also examines negotiated financing options like commercial paper, bank loans, asset-backed loans, and factoring of accounts receivable. It analyzes factors for companies to consider like costs, availability, timing, flexibility and encumbrance of assets when determining the best mix of short-term financing sources.
Dodd-Frank Compliance and Technology Summer Meeting 2013
The document discusses Dodd-Frank compliance requirements and challenges for financial institutions. It outlines four levels of compliance that a company called CPS II can provide, including archiving communications, capturing trade data, securely storing records, and reporting to agencies. It also discusses the compliance discovery, planning, and processing services CPS II offers. The document emphasizes that Dodd-Frank compliance requires appropriate technology, and penalties for non-compliance are severe. It advises financial institutions to learn requirements, identify deadlines, budget for solutions, and prepare to work with technology providers.
Securitisation Summit 29 November 2001
SA Home Loans is a South African company that originated home loans and funded its loan book through securitization, the process of packaging individual loans into marketable securities. The company presented on the growth of securitization globally and in South Africa. It discussed its own success using securitization to access cheaper funding than banks, allowing it to offer discounted home loans. Moving forward, it aims to expand securitization activity in South Africa through greater investor education, cross-border deals, and additional asset classes.
Abs East2010 Cfp Presentation1
This document summarizes a presentation on due diligence, reporting standards, and transparency in asset-backed securities given by John Joshi of CapitalFusion Partners. It discusses proposed new SEC rules on risk retention and standardized loan-level data disclosure in securitizations. The presentation notes headlines about financial regulatory reform and lawsuits against firms involved in subprime mortgage securitizations. It outlines a SEC timetable for proposing and finalizing new securitization rules and identifies key changes needed for securitization markets like improved transparency, standardized disclosure, rating agency reform, representations and warranties, and effective regulation.
Pcg.Financial Planning Ce Presentation
The document discusses trust deed investing as an alternative investment approach. It provides an overview of trust deed financing, including that it involves direct lending secured by real estate. It then gives examples of how financial planners have used trust deed investments to enhance fixed income portfolios, diversify equity-heavy portfolios, and help fund healthcare costs and longer lifespans in retirement planning.
Loan Management.pdf
This document provides an overview of loan management systems and the loan lifecycle process. It defines what a loan is, discusses the key parties and stages involved, and outlines the types and importance of bank loans for businesses and individuals. The stages covered include application, security/collateral, disbursement, repayment, monitoring, and potential rescheduling. Factors influencing loan pricing and the importance of loan documentation, analysis, supervision, review and problem identification are also summarized.
Sancus BMS Group - Manchester 25th April 2018
Presentation by Andrew Whelan (CEO, Sancus BMS Group) at the offices of Addleshaw Goddard with event partners Arbuthnot Latham and Williamson & Croft.
Lending Principles In Commercial Banking.ppt
General Principles of Lending:
When a request for a loan is received, it is important to ensure that the borrower has the legal capacity to borrow. The other matters upon which the information should be obtained are: the purpose of advance, the amount involved, the duration of the advance, the sources of repayment, the profitability of transaction, and, where applicable, the security offered. The most fundamental principle of all is that the bank should have confidence in the integrity, competence and continuing credit worthiness of the borrower.
• Know Your Customer:
While entertaining a proposal for advance, the branch has to first ensure compliance with the KYC norms.
• Pre- Sanction Stage:
Obtain/compile the following:
• Bio-data/declaration of assets owned by the borrower and guarantor along with latest income tax/wealth tax assessment copies and compilation of opinion reports.
• Particulars of immediate family members/legal heirs along with their father’s name and age.
• Audited balance sheets for the previous 3 years, estimated balance sheet for the current year and projected balance sheet for the next year.
• Particulars of existing borrowing arrangements and credit reports/no objection letters from existing banks if any.
• It should be followed by independent verification by the branch incumbent.
• Details of associate/group concerns, their borrowing arrangements and their latest balance sheets.
• No objection letter from term loan lender(s) if already financed by them and their permission/willingness to cede pari passu/ second charge on their security.
• The position of term working capital liabilities with various banks/FIs and details thereof viz., Limit, DP, Out standings, Irregularities (if any).
• Conduct a search/obtain a search report from Registrar of Companies to ascertain position of charges created already.
•
• Due Diligence:
• Branch Manager should do adequate Due Diligence before bringing an asset to the Bank’s books. This will avoid NPA.
• Thorough inquiry about the prospective borrower (with other banks, Financial Institutions, etc.) market intelligence, his past track record of performance and repayment of obligations, credit worthiness (Net Worth) must be done.
• Personal visit to his office/place of business will give an idea of his business.
• Processing of Applications:
While processing the applications, the following should be looked into and commented upon in the proposal:
• Due diligence on promoters’ background, their track record of repayment by checking with their existing bankers (NPA status) (any rephasements, any compromise entered into), credit worthiness, market reputation etc.
• Latest RBI defaulters’ list and willful defaulters' list —Company and their Directors.
• Bank’s loan policy.
• Contractual capacity of the borrower regarding borrowing powers/any restrictions on borrowings and names of persons authorized to borrow by verifications of:
• Partnership deed
Financing of the Project
This document discusses project financing. It provides an overview of the stages of project financing, sources of financing, participants and criteria. It also discusses principal agreements, project risks, and risk identification through due diligence. Project financing refers to financing of long-term infrastructure, industrial projects, and public services based on a non-recourse or limited recourse financial structure where project debt and equity used to finance the project are paid back from the cashflow generated by the project.
Ma0038 & banking operations
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CHAPTER 14.pptx
This document discusses short-term financing for small businesses. It defines short-term finance as sources of funding for periods under one year, usually needed due to uneven cash flows. Common sources of short-term credit include trade credit extended by suppliers, loans from commercial banks, finance companies, and government agencies like the Small Business Administration. The costs, terms, and eligibility requirements for short-term loans from each of these sources are reviewed in detail.
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Poonawalla Fincorp Limited, under the leadership of Managing Director Abhay Bhutada, has achieved industry-leading Gross Non-Performing Assets (GNPA) below 1% and Net Non-Performing Assets (NNPA) below 0.5% as of May 31, 2024. This success is attributed to a strategic vision focusing on prudent credit policies, robust risk management, and digital transformation. Bhutada's leadership has driven the company to exceed its targets ahead of schedule, emphasizing rigorous credit assessment, advanced risk management, and enhanced collection efficiency. By prioritizing customer-centric solutions, leveraging digital innovation, and maintaining strong financial performance, Poonawalla Fincorp sets new benchmarks in the industry. With a continued focus on asset quality, digital enhancement, and exploring growth opportunities, the company is well-positioned for sustained success in the future.
Fabular Frames and the Four Ratio Problem
Digital, interactive art showing the struggle of a society in providing for its present population while also saving planetary resources for future generations. Spread across several frames, the art is actually the rendering of real and speculative data. The stereographic projections change shape in response to prompts and provocations. Visitors interact with the model through speculative statements about how to increase savings across communities, regions, ecosystems and environments. Their fabulations combined with random noise, i.e. factors beyond control, have a dramatic effect on the societal transition. Things get better. Things get worse. The aim is to give visitors a new grasp and feel of the ongoing struggles in democracies around the world.
Stunning art in the small multiples format brings out the spatiotemporal nature of societal transitions, against backdrop issues such as energy, housing, waste, farmland and forest. In each frame we see hopeful and frightful interplays between spending and saving. Problems emerge when one of the two parts of the existential anaglyph rapidly shrinks like Arctic ice, as factors cross thresholds. Ecological wealth and intergenerational equity areFour at stake. Not enough spending could mean economic stress, social unrest and political conflict. Not enough saving and there will be climate breakdown and ‘bankruptcy’. So where does speculative design start and the gambling and betting end? Behind each fabular frame is a four ratio problem. Each ratio reflects the level of sacrifice and self-restraint a society is willing to accept, against promises of prosperity and freedom. Some values seem to stabilise a frame while others cause collapse. Get the ratios right and we can have it all. Get them wrong and things get more desperate.
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留信网认证的作用:
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留信网服务项目：
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2、国（境）学习人员提供就业推荐信服务
3、留学人员区块链存储服务
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我们所定的价格是非常合理的，而且我们现在做得单子大多数都是代理和回头客户介绍的所以一般现在有新的单子 我给客户的都是第一手的代理价格，因为我想坦诚对待大家 不想跟大家在价格方面浪费时间
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【业务选择办理准则】
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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
【关于价格问题（保证一手价格）】
我们所定的价格是非常合理的，而且我们现在做得单子大多数都是代理和回头客户介绍的所以一般现在有新的单子 我给客户的都是第一手的代理价格，因为我想坦诚对待大家 不想跟大家在价格方面浪费时间
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SMSFs and Borrowing
- 1. Breakfast Briefing: SMSFs and Borrowing Maddocks | Cleardocs | St George August 2009
- 4. Structural requirements – Bank lending Diagram 1 Bank loans funds to SMSF
- 5. Structural requirements - Non-bank lending Diagram 2 Related party loans funds to SMSF
- 23. SMSFs and ‘Instalment Warrant Arrangements’ Questions
- 24. Breakfast Briefing: SMSFs and Borrowing Julian Smith Christopher Balmford Maddocks | Partner Cleardocs | Managing Director Direct 61 3 9240 0864 Direct 61 3 9429 8944 [email_address] christopher.balmford@cleardocs.com Fiona de Silva | Senior Manager, Industry Segments, St George Bank Direct 61 3 9274 4826 desilvaf@stgeorge.com.au