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Archive for the ‘cash reserves’ Category

Open yourself to future credit possibilities

24 Feb

What happens when you open yourself up to future possibilities? This is what the concept of future orientation decision making is all about. Here we explore the ability to recognize—even welcome—the potential, the unexpected, the new. Whether an organization is closed or open to new information is determined by whether it has a past or future orientation.With a past orientation, we communicate and make decisions on the basis of past information and reject or ignore new information. Traits of a past orientation include: Reliance on past history for decision making, Language focused on past events or behavior, Independent relationships, Strong need for control, Need to maintain the status quo, Low trust, Win-lose conflict resolution style.

Those with a past orientation operate in a closed paradigm—they view the world the way they want it to be. They’re unwilling to challenge their own assumptions and change their beliefs. They make decisions based on outdated mental maps. They are speaking and living in the past with old information.

 

Synthetic CDOs transfer credit risk

02 Jan

145Cash CDOs are collateralized by a portfolio of cash assets and the entire liability structure is used to fund the purchase of collateral. Synthetic CDOs transfer credit risk from the CDO issuer to CDO note holders through CDS. The synthetic CDO normally funds only a small portion of the notional value of the credit exposure. Therefore the weighted average cost of liabilities are much smaller for a synthetic CDO because of the unfunded super senior tranche (around 85–90 percent of the capital structure) which leads to a higher return on the equity tranche.

Other advantages of synthetic CDOs are as follows:

  • diversify away from frequent issuers in the bond market
  • no restrictions in terms of volume
  • ability to tailor maturity.

A synthetic CDO referencing investment grade CDS can be structured with much higher leverage compared to a high-yield CBO. The equity in a synthetic deal normally ranges from 2 to 5 percent, which equates to 20–50 times leverage. Equity in a high-yield CBO is around 10 percent on average (10 times leverage).

 

The basic credit strucure

21 Nov

The idea in a CDO transaction is to securitize debt collateral to make it more attractive to different classes of investors. In the earlier days, CDOs purchased high yield/emerging market debt through a special purpose vehicle (SPV) and raised funds by issuing securities ranging from AAA to BB/B. The overall risk of the portfolio of various collateral is tranched from relatively safe to speculative to satisfy different degrees of risk appetite.

Beginning with the most senior class, the cash flows from the collateral are used to service the outstanding notes sequentially. Losses are allocated on the basis of reverse seniority. This basic structure is also known as a cash flow CDO because the collateral cash flows are used to sevice the outstanding securities. Every CDO has an asset side, generating its revenue, and a liability side, whose obligations need to be satisfied. The difference between them is termed the funding gap.

 
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Posted in business tips, cash reserves, credit, credit cards

 

Targeting, attracting and retaining credit

27 Oct

It was during the 1950s and 1960s that marketing first came to real prominence. In the 1970s, the focus shifted to techniques for mass marketing within an industry, highlighting techniques or reaching customers on a broad scale. In the 1980s and throughout the 1990s, the focus moved on to market segmentation, improving the way that customers in specific markets were identified and reached.

Now the focus has narrowed even further, with technology offering businesses the opportunity for mass personalisation. This is the ability to reach individual customers – targeting the right customers and then fulfilling their market needs – on a massive scale.

 

Building customer credit loyalty

13 Oct

One popular method of building repeat business is through customer loyalty schemes. Their inventiveness can be surprising, providing insights into the brand values of the company as well as the threat that they pose to competitors. Virgin Atlantic, for example, has an ingenious way of using such schemes: to reduce the time it takes to get new customers, it offers privileges to people involved in competitors’ loyalty schemes. For a while, Virgin offered a free companion ticket to any British Airways frequent flyer who had accumulated 10,000 miles. This had the added advantage of reinforcing perceptions of the Virgin brand as being dynamic and flexible, if somewhat bold and outrageous.

 
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