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Gross Loan Proceeds

12.02.2011 07:08:23

Gross Loan Losses

Over the past few decades, the number of minor commercial banks in the USA has increased significantly with their assets reaching more than $1 billion.

The differences in gross loan portfolio of the banks show that the performance of these banks was stabilized due to the recent decrease in gross loan losses.

Due to efficient risk management, the banks managed to define, control and monitor the risks they faced. These included gross loan risks , when a borrower couldn't pay or delay the payments, which resulted in the bank's gross loan losses as well as the decrease in the market value of the bank's equity. With the involvement of such items as loan insurance, contracts and loan commitments, the banks managed to decrease their charge-offs (another term for gross loan losses ).

By determining the quality of loans, banks could minimize the credit risks even further. If a loan is of a poor quality, larger provisions for gross loan losses must be made. If a loan's quality is good, net income will most likely be unaffected.

Gross Wages Definition

Gross wages is the type of wages that you get before any fees and taxes are deducted, while net wages is the amount you actually bring home.

As a rule, gross wages include not only the cash you receive, but any income you get from your employment or business. These include tips, fees for services, sale of products (goods or services), etc.

What Are Gross Loans

Gross loans are widely used by many market analysts to define the process of money transfers between a borrower and a lender.

Many banks offer gross loans that vary significantly and involve different sums of money. Such loans can have two types – unofficial gross loans and official loans. Unofficial loans are usually disbursed on a private basis and aren’t regulated by state or local authorities. Since official gross loans are much safer, they offer a much higher level of security to both the lender and the borrower.

Gross loans are usually extended over a huge period of time with small interest rates involved. These loans are typically secured.

Tags: [Gross income] [gross loan proceeds] [adjusted gross income] [gross loan amount] [Canada]

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