Loan-to-share ratio nears record high

first_imgWhen the economy expands or contracts, loan growth and share growth have historically had an inverse relationship. In times of economic prosperity, consumers are more confident and in turn take out more and larger loans. During periods of economic contraction, consumers seek safe havens for their savings in lieu of leverage.In simple terms, the loan-to-share ratio can be used to assess how effectively an institution is deploying its balance sheet. A rising ratio signals that loan growth is outpacing deposit growth. As loan-to-share ratios approach 100%, institutions will commonly seek additional sources of liquidity (borrowings), sell loans off their balance, or tighten lending criteria to slow additional future loan growth.Over the past five years, the average credit union loan-to-share ratio has increased 15.5 percentage points. In the second quarter of 2018 quarter alone, it has increased 2.3 percentage points, reaching 82.9%, and remains only 86 basis points below the record high reached in September 2008 of 83.7%. continue reading » 2SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

Conference: Can Croatian Tourism 365?

first_imgConference Can Croatian Tourism 365? is a tourist conference not to be missed. In the Sheraton Hotel in Zagreb, October 4.10.2017, XNUMX. will bring together a number of eminent domestic and regional tourism leaders and experts as well point out the potentials, opportunities, positive practices and solutions for the development of year-round tourism in Croatia.High seasonality of tourism and reaching infrastructural and other maximums in the summer months and low tourist representation in the continental part of Croatia is a realistic picture of Croatian tourism, which must worry us. How to extend the season and how to start continental Croatia are issues that will be discussed at the conference. Christopher Hinteregger – a top destination development expert from Austria, Karin Niederer – hotel and wellness expert from Austria, Maria Pap – Director of the Budapest Tourist Board, Peter Vesenjak – consultant for health tourism from Slovenia and numerous leaders of regional tourism, such as Ivana Budin Arhanic, Kristijan Sustar, Ivana Kolar, Boris Zgomba, Selimir Ognjenovic, Tim Clancy, Joe Basic, Nenad Nizic and others, will offer their vision of the issues, potentials and possible activities for further development. We will be able to hear concrete plans and potential solutions from Croatian Minister of Tourism Gari Cappelli, Slovenian Minister of Economy and Tourism Zdravko Počivalšek, CNTB Director Kristjan Staničić and WTO Director Maja Pak.   The conference will offer new knowledge and successful examples from practice, and certainly new incentives and ideas for business development of large and small entities and companies. It is also an opportunity to present existing projects or those that are still in preparation, given that it is at the conference web address open call for proposals and projects, which will be discussed at the conference and with experts. Do we know what Croatia and Croatian tourism need, what are our opportunities and do we have the courage for year-round tourism, asks conference organizer Ivana Kolar, until recently the longtime director of Terme Tuhelj doo, who has a successful project to turn the once stumbled Zagorje beach into the largest and most successful continental thermal resort in Croatia.All information about the conference Can Croatian Tourism 365? you can look at, as well as application options for participation.Related news:last_img read more