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In 2011, banks generated median investment program income of $1,537,500, a 3.5% decline from $1,592,500 in 2010. The top three bank holding companies that registered the greatest growth in 2011 were Access National Corporation, Tower Bancorp Inc., and Northwest Financial Corp. Morgan Stanley, JPMorgan Chase and Bank of America were the wealth management income leaders among bank holding companies with more than $10 billion in assets. Risk measures per trade or position are calculated base on market data in trading systems, aggregated risks are calculated in risk management systems. Risks are calculated with different granularities such as per share, per commodity, per trade position, trade book, trader, per floor, per corporate customer, per companies owned by the bank and even for whole bank. There are currently multiple risk management, trading and market risk systems that offer output of measures such as Delta, Gamma, Vega, Rho, Theta and Value at Risk (VaR) in different formats and different levels of aggregation.
Estimated daily amount of data is 50 GB of market risk records, positions, transactions, VaR and measures.
Traditional approach was to create data warehouse that imports data from all systems into specific format in order to analyze different risks. It requires to create special schema for data warehouse database to cover queries of risk management team. Import component must be capable to deal with 50GB of data, 20000 CSV files in 1600 formats per day. The diversity of CSV formats is caused by different order of the same fields, different names for the same fields, different data formats of the same fields and single field values stored in multiple fields in different CSV format.
Files that are uploaded are moved from input directories to processed directories this ensures that each file is loaded only once. The next level of transformations relies on fact that each sub-directory contains files with the same CSV format. We do have scheduled Pig scripts that delete data in processed, temp and input HDFS directories as well as PigStorages.
Java application uses Hbase API to moves data from input tables into tables with data for analysis and user queries.
Quality control Java application scans rows older than 2 hours in order to determine missing data. Calculations of missing VaR for various time intervals is done by continuously running Java application that scans tables for marks of missing VaRs. BigTable model does not use referential integrity or joins but the same effect can be achieved by storing foreign keys as field values. Any big bank – any big bank with an incentive to make money, which of course would be all of them. The stuffing in the stuff banks own (meaning they have a position, or are the beneficiaries of a stream of income) is stuff like loans, like real mortgages, like mortgage-backed securities, like derivatives. The purpose of creating these derivative things is to give banks stuff to bet on, and bet on in a big way.
Derivatives offer “exposure” to some banks, meaning they want risk exposure to, say, the direction of prices of mortgages, or leveraged loans, or government bonds, or sovereign country exposure. But what if you bought so much Microsoft stock that if you alone were going to sell all your stock, your action alone would force the price down because of how much stock you have to sell? That’s what happened over at JPMorgan Chase’s London office, the one where “the Whale got harpooned. Here’s what happened next, and what you’re reading about in the news now, which is that two London traders are being sued criminally for “fraud.” The original bets were so huge that JPMorgan had essentially all the marbles in its vault. Because JPM’s positions were too big to be effectively hedged, and too big to sell, as the price was falling and they were losing money (on paper) on their big exposure, the trading desk couldn’t let on how big the losses were. One reason, and big one, is that they didn’t want other traders to know how much they were losing.
And just as important, in order to hide their mounting losses from their bosses (who I have to believe knew about them) and not have the losses hit the bank’s P&L (profit and loss statement), which would signal to other traders that losses were mounting at JPM and if they got bad enough the bank’s managers might say, “Sell the position, get out!” And that would be a windfall for the blokes who shorted derivatives to JPM. If you’re losing big time and you don’t want anyone to know, not your bosses and not the traders trying to destroy you to enrich themselves, and there are no exchange prices because these things aren’t exchanged traded, you make up the prices yourself. Anyway, Javier Martin-Artajo and Julien Grout of JPM’s London trading office are being called out for allegedly “fraudulently” mismarking the desk’s huge positions to mask the huge losses ($6.2 billion) they would eventually take.
A lot of talk will be wasted over who was responsible, who knew, how did the book of trades get priced, how were numbers manipulated, by who, for how long, and on and on and on.
The only question worth asking is: Why in God’s name would we ever let get banks get so big that they can and have to make such giant bets to make money for their bonus pools? On Monday I’m going to tell you how what happened at JPMorgan is happening all over the place and why we all should be scared when the banks say, as Morgan Stanley, for one, just said, they have a 99.9% certainty they know how much they can lose on any given day. For More details on Trade & High Accuracy Trading Tips and ideas - Subscribe to our Trade Advisory Plans. Anita Campbell recently blogged in this space that the government’s efforts to spur small business lending have largely fallen flat. Bloomberg Businessweek recently reported on the progress banks made for the first quarter of 2010. Given the current state of the slowly improving economy, these numbers seem fairly promising. Rieva Lesonsky is a staff writer for Small Business Trends covering employment, retail trends and women in business. Thanks for giving the Small Business Trends community some data about who’s loaning money, and how close they are to their goals. I recommend you to study BB&T as great case on how to stand up for the rights of business owners and a free market.

I personally allocate funds for small businesses and can tell you through (only) my own (humble and slightly jaded) experiences that these banks are not trying t promote the growth of nearly enough small business.
Politically based reporting like this is not in the best interests of small business, but for the purposes of torturing statistics to make a political point. Under pressure from Washington last year, Bank of America, Wells Fargo (WFC), JPMorgan Chase (JPM), and Huntington National Bank (HBAN)… set specific [2010] targets.
The non-political fact is that the number one hiring source is businesses under 10 employees and #2 is businesses from 11-20 employees. 4) and the likelihood of the greatest tax increase in American history when the present tax cuts expire in a few months.
This administration has focused on every pet ideological agenda it came in with, but in doing so has ignored small business and for the most part, the economy as a whole. Pingback: Tweets that mention Are Major Banks Keeping Their Small Business Lending Promises? Founded in 2003, Small Business Trends is an award-winning online publication for small business owners, entrepreneurs and the people who interact with them. Together with hundreds of expert contributors, Small Business Trends brings you the news, advice and resources you need. We all know that the economy is still struggling and that small businesses are finding it hard to get by, especially when it comes to finding extra funding. The Bank of England has revealed figures that 55 businesses collapsed every day last month, the majority of them companies that employed five or fewer people. Paul Fisher, leading director of the Bank of England, further added that even those businesses who do manage to find funding from the banks are often faced with a long road to get hold of the money with many bureaucratic hoops to jump through. Of the 532 bank wealth management programs, 418, or 78.6%, earned a minimum of $250,000 in revenue. Access National boosted wealth management fee income more than ten-fold from $50,000 to $568,000.
The results are based on data from 6,679 commercial banks and 929 bank holding companies operating on Dec. By Scott Martin, ContributorFebruary 29, 2016 Hip-hop mogul’s $53 million plea for funding raises new questions about the reality TV dynasty’s ability to separate itself from his bad business decisions. Risk measures are calculated from market fluctuations during certain time period and existing positions.
Risk management system must be able to display aggregated risks as well as drill down through various aggregation levels such as books to specific positions. This feature is useful because we do not need to access their databases directly, we do not need to know internal data structures. These transformations include change of fields order, change of separators to comma, drop of fields that are no longer needed, drop of lines that do not contain meaningful records and information from file names are stored in each record (it includes Book and Product names ). Custom written Pig UDF Store functions calculate unique IDs from TradeID, TCN, time and book. It uses historical method of VaR calculation that is based on share values for different time periods such as 1 day, 3 days, week and so on. After a while, all the banks end up copying each other’s good derivatives “product” ideas, so though they are far from standardized, they are close enough to be traded between them all with a mutual level of confidence as to what they are.
A hedge is another position that you take that will make you money at the same time your Microsoft stock position is losing money.
The economies of scale they have and all the money they have to play with and all the leverage they can apply to that money (including our money, our deposits are at their disposal) forces them to make giant bets. The bank had huge exposure on a few giant derivatives positions and decided to hedge those positions with some other positions.
Needless to say, other traders knew that, because those other traders were the ones selling JPM their bets, their exposure. The problem now was that the positions were so massive (like your giant Microsoft position) they couldn’t just start selling those positions off.
Being short means you want the price of the thing you’re short to drop, so you can buy it back at a much lower price. They stop selling them any hedge positions and start trying to knock down the price of JPM’s big positions, to get JPM to cry “Uncle!” and sell their positions, which would crash the price and give the short-sellers a huge profit when they could buy back their positions from JPM at bargain basement prices. If you have a huge position and you want to know if you’re making or losing money (in JPM’s case it was losing big time) you have to “mark” your positions – you have to price them.
If you are a boss and you know the score and it’s your bonus and your job on the line too, mightn’t you want to go along with traders marking their positions to not make things look so bad, so maybe you could buy some time and trade out of a lot of the losses?
Last year I blogged here about how big banks including Wells Fargo, Bank of America and JP Morgan Chase were pledging to lend more money to small businesses in 2010.
Reporter John Tozzi writes that assessing small business lending is difficult because at most banks, lending to small businesses can fall into several categories-from real estate to credit cards-and because banks typically don’t break out separate numbers for small businesses. The bank’s total goal for 2010 was to lend $16 billion to companies with under $20 million in revenue.
That’s 21 percent of its goal to make $10 billion in new loans to companies with under $20 million in revenue. The bank also made $16 billion in loans to midsized companies (those with revenues under $50 million).
She is CEO of GrowBiz Media, a media company that helps entrepreneurs start and grow their businesses. This week, the Bank of England has highlighted how harsh the environment really is for small businesses – more than five years after the recession first hit.
These businesses are often ones that find it hard to get off the ground or are strangled by a lack of cash flow.

In order to exhibit growth, there needs to be a culture of lending that helps to nurture small businesses, not strangle them.
Invoice finance is one such example – eligible businesses can release up to 90% of the value of an invoice within 24 hours, helping businesses get quick access to flexible finance without taking on expensive new debt.
Of those, 326 grew their wealth management income from 2010, with 180 programs exhibiting double-digit growth rates. Tower Bancorp saw a near seven-fold increase, boosting fee income from $547,000 to $3,755,000. Because we do have 1600 sub-directories with different CSV formats we have created Java program that is able to generate 1600 transformation Pig scripts.
For example TradeId can be 33 digit code in one field or TradeId can be separated into multiple fields. And they are created to be amped-up proxies for other stuff, like default insurance on corporate bonds or government bonds, and a ton of other things.
And sometimes banks use derivatives to hedge against other bets they have on when they are exposed to potential losses. If you take a position in something, anything, for instance, Microsoft stock, and you think it’s going to go against you, you’d probably just sell it and be done with it. And of course, when they fear their giant bets are going to go against them, they make a giant hedge, which, if you’re following me, amounts to another giant bet.
The traders on the other side of them, the blokes who sold JPM the positions in the first place, weren’t interested in buying them back. In reality they “shorted” them by selling JPM stuff they didn’t own but made up to sell to JPM. It then starts to put on some hedges, which are trades, and who is taking the other side of JPM’s hedge trades? The $2.9 billion brings it to 18 percent of that $16 billion goal, which is an increase from the $13 billion in loans Wells Fargo made to small companies in 2009. Bank of America vowed in late 2009 to increase lending to small and midsize businesses by $5 billion in 2010. These banks treat this money as if they own it, when in factthey are a SERVICER of MANY CLIENTS who make up a whole network of borrowers and lenders.
If your business needs help with cash flow, then it’s worth looking at all your options, not just the banks.
File names included coded date and time, names of the products, books and code of the system. These scripts are executed via Oozie and files are moved to processed or failed HDFS directories and processed records are moved to uniform PigStorages. Dates can be in different formats as well as in different timezones, first and last name of the trader can be in two or one field and so on. This required additional calls to Hbase to receive most recent risk measures and Ids of items that were aggregated in given measures.
A Chase spokeperson says first-quarter lending to small businesses is up 31 percent compared to the first quarter of 2009. Since the bank hasn’t released comparable numbers for 2009, no comparison can be made in terms of growth or what kind of improvement these loans represent. Thesebanks are only giving moey back that they have already gained, and even thenthey are STINGY. The wealth management income leaders among small banks – those with less than $500 million in assets – were The Haverford Trust Company, Essex Savings Bank, and Soy Capital Bank and Trust Company. Since then vultures like SEI, AssetMark, Brinker and others have circled the carcass and grabbed up and ate Curian AUM and resources to the bone. Each Import Module is able to store CSV files into multiple sub-directories base on CSV sub-format. The finest is Trades, than Position, Book, Trader, Customer, Floor, Product, Corporation and Bank. They quickly realize JPM is in trouble with their big position, can’t sell it, and is trying to hedge it. It is no wonder people are still still stuffing their mattresses with Ben Franklin’s in this country! We store market data such as historical share values to calculate missing VaR for time intervals.
Because they can manipulate prices to their advantage, which is how they get around capital ratios and measures like those that are supposed to tell us about how safe a banks is.
We ALLOW tese banks to PROFIT RIDICULOUS AMOUJNTS OF MONEY BY INVESTING IN WAYS WE MAY NEVER EVEN IMAGINE! What happened to the days when banks held your money and returned it with great service and a friendly smile? Family politics have already cost the Redstone dynasty more than they’ll owe the IRS when patriarch Sumner relaxes his iron grip on life.
Buy up our resources piece by piece and steal our money and then tell us it is free enterprise on a beautiful unregulated market?!? Wealthy individuals often spread their assets across many different accounts so that they can tap specialized expertise for added return potential. These banks are NOT going to meet their goals,for if they do they chance oter business making money they feel they are enttled to.

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