achieving income growth in a consumer regulated environment - may 2016
TRANSCRIPT
![Page 1: Achieving Income Growth in a Consumer Regulated Environment - May 2016](https://reader031.vdocuments.us/reader031/viewer/2022030301/587f2a3d1a28ab121d8b4cf3/html5/thumbnails/1.jpg)
www.thinkbrg.com
Achieving Income Growth in a Consumer Regulated Environment
![Page 2: Achieving Income Growth in a Consumer Regulated Environment - May 2016](https://reader031.vdocuments.us/reader031/viewer/2022030301/587f2a3d1a28ab121d8b4cf3/html5/thumbnails/2.jpg)
www.thinkbrg.com
Agenda
US Mortgage Market
US & EU Market Fundamentals
Multiple Stakeholders
Behavioral Based Regulation
Changing the Industry Paradigm
Looking to the Future
![Page 3: Achieving Income Growth in a Consumer Regulated Environment - May 2016](https://reader031.vdocuments.us/reader031/viewer/2022030301/587f2a3d1a28ab121d8b4cf3/html5/thumbnails/3.jpg)
www.thinkbrg.com
US Mortgage Market
![Page 4: Achieving Income Growth in a Consumer Regulated Environment - May 2016](https://reader031.vdocuments.us/reader031/viewer/2022030301/587f2a3d1a28ab121d8b4cf3/html5/thumbnails/4.jpg)
www.thinkbrg.com
US Property Appreciation
![Page 5: Achieving Income Growth in a Consumer Regulated Environment - May 2016](https://reader031.vdocuments.us/reader031/viewer/2022030301/587f2a3d1a28ab121d8b4cf3/html5/thumbnails/5.jpg)
www.thinkbrg.com
US Single-Family Originations
![Page 6: Achieving Income Growth in a Consumer Regulated Environment - May 2016](https://reader031.vdocuments.us/reader031/viewer/2022030301/587f2a3d1a28ab121d8b4cf3/html5/thumbnails/6.jpg)
www.thinkbrg.com
US Homeownership Rates
![Page 7: Achieving Income Growth in a Consumer Regulated Environment - May 2016](https://reader031.vdocuments.us/reader031/viewer/2022030301/587f2a3d1a28ab121d8b4cf3/html5/thumbnails/7.jpg)
www.thinkbrg.com
US Housing Growth Forecasts
![Page 8: Achieving Income Growth in a Consumer Regulated Environment - May 2016](https://reader031.vdocuments.us/reader031/viewer/2022030301/587f2a3d1a28ab121d8b4cf3/html5/thumbnails/8.jpg)
www.thinkbrg.com
US & EU Market Fundamentals
![Page 9: Achieving Income Growth in a Consumer Regulated Environment - May 2016](https://reader031.vdocuments.us/reader031/viewer/2022030301/587f2a3d1a28ab121d8b4cf3/html5/thumbnails/9.jpg)
www.thinkbrg.com
US & European Mortgage Markets
![Page 10: Achieving Income Growth in a Consumer Regulated Environment - May 2016](https://reader031.vdocuments.us/reader031/viewer/2022030301/587f2a3d1a28ab121d8b4cf3/html5/thumbnails/10.jpg)
www.thinkbrg.com
Primary Funding Models Differ
USA Securitization
Europe Covered Bonds
UK & Ireland Balance Sheet
![Page 11: Achieving Income Growth in a Consumer Regulated Environment - May 2016](https://reader031.vdocuments.us/reader031/viewer/2022030301/587f2a3d1a28ab121d8b4cf3/html5/thumbnails/11.jpg)
www.thinkbrg.com
High Levels of Innovation
![Page 12: Achieving Income Growth in a Consumer Regulated Environment - May 2016](https://reader031.vdocuments.us/reader031/viewer/2022030301/587f2a3d1a28ab121d8b4cf3/html5/thumbnails/12.jpg)
www.thinkbrg.com
Excessive Price-led Competition
![Page 13: Achieving Income Growth in a Consumer Regulated Environment - May 2016](https://reader031.vdocuments.us/reader031/viewer/2022030301/587f2a3d1a28ab121d8b4cf3/html5/thumbnails/13.jpg)
www.thinkbrg.com
Net Lending Growth a Key Challenge
![Page 14: Achieving Income Growth in a Consumer Regulated Environment - May 2016](https://reader031.vdocuments.us/reader031/viewer/2022030301/587f2a3d1a28ab121d8b4cf3/html5/thumbnails/14.jpg)
www.thinkbrg.com
Multiple Stakeholders
![Page 15: Achieving Income Growth in a Consumer Regulated Environment - May 2016](https://reader031.vdocuments.us/reader031/viewer/2022030301/587f2a3d1a28ab121d8b4cf3/html5/thumbnails/15.jpg)
www.thinkbrg.com
Driving Retail P&L
![Page 16: Achieving Income Growth in a Consumer Regulated Environment - May 2016](https://reader031.vdocuments.us/reader031/viewer/2022030301/587f2a3d1a28ab121d8b4cf3/html5/thumbnails/16.jpg)
www.thinkbrg.com
Biggest Commitment for Consumers
![Page 17: Achieving Income Growth in a Consumer Regulated Environment - May 2016](https://reader031.vdocuments.us/reader031/viewer/2022030301/587f2a3d1a28ab121d8b4cf3/html5/thumbnails/17.jpg)
www.thinkbrg.com
Key Issue for Governments
![Page 18: Achieving Income Growth in a Consumer Regulated Environment - May 2016](https://reader031.vdocuments.us/reader031/viewer/2022030301/587f2a3d1a28ab121d8b4cf3/html5/thumbnails/18.jpg)
www.thinkbrg.com
Imposing Customer Safeguards
![Page 19: Achieving Income Growth in a Consumer Regulated Environment - May 2016](https://reader031.vdocuments.us/reader031/viewer/2022030301/587f2a3d1a28ab121d8b4cf3/html5/thumbnails/19.jpg)
www.thinkbrg.com
Balancing Competing Interests
![Page 20: Achieving Income Growth in a Consumer Regulated Environment - May 2016](https://reader031.vdocuments.us/reader031/viewer/2022030301/587f2a3d1a28ab121d8b4cf3/html5/thumbnails/20.jpg)
www.thinkbrg.com
Behavioral Based Regulation
![Page 21: Achieving Income Growth in a Consumer Regulated Environment - May 2016](https://reader031.vdocuments.us/reader031/viewer/2022030301/587f2a3d1a28ab121d8b4cf3/html5/thumbnails/21.jpg)
www.thinkbrg.com
Exploiting Customers?
![Page 22: Achieving Income Growth in a Consumer Regulated Environment - May 2016](https://reader031.vdocuments.us/reader031/viewer/2022030301/587f2a3d1a28ab121d8b4cf3/html5/thumbnails/22.jpg)
www.thinkbrg.com
Information Asymmetry?
![Page 23: Achieving Income Growth in a Consumer Regulated Environment - May 2016](https://reader031.vdocuments.us/reader031/viewer/2022030301/587f2a3d1a28ab121d8b4cf3/html5/thumbnails/23.jpg)
www.thinkbrg.com
Sales Bias?
![Page 24: Achieving Income Growth in a Consumer Regulated Environment - May 2016](https://reader031.vdocuments.us/reader031/viewer/2022030301/587f2a3d1a28ab121d8b4cf3/html5/thumbnails/24.jpg)
www.thinkbrg.com
Products Designed for Customers?
![Page 25: Achieving Income Growth in a Consumer Regulated Environment - May 2016](https://reader031.vdocuments.us/reader031/viewer/2022030301/587f2a3d1a28ab121d8b4cf3/html5/thumbnails/25.jpg)
www.thinkbrg.com
Making Money Fairly?
![Page 26: Achieving Income Growth in a Consumer Regulated Environment - May 2016](https://reader031.vdocuments.us/reader031/viewer/2022030301/587f2a3d1a28ab121d8b4cf3/html5/thumbnails/26.jpg)
www.thinkbrg.com
Changing the Industry Paradigm
![Page 27: Achieving Income Growth in a Consumer Regulated Environment - May 2016](https://reader031.vdocuments.us/reader031/viewer/2022030301/587f2a3d1a28ab121d8b4cf3/html5/thumbnails/27.jpg)
www.thinkbrg.com
Econometrics and Observation
![Page 28: Achieving Income Growth in a Consumer Regulated Environment - May 2016](https://reader031.vdocuments.us/reader031/viewer/2022030301/587f2a3d1a28ab121d8b4cf3/html5/thumbnails/28.jpg)
www.thinkbrg.com
Customer Needs & Preferences
![Page 29: Achieving Income Growth in a Consumer Regulated Environment - May 2016](https://reader031.vdocuments.us/reader031/viewer/2022030301/587f2a3d1a28ab121d8b4cf3/html5/thumbnails/29.jpg)
www.thinkbrg.com
Pricing Analytics
![Page 30: Achieving Income Growth in a Consumer Regulated Environment - May 2016](https://reader031.vdocuments.us/reader031/viewer/2022030301/587f2a3d1a28ab121d8b4cf3/html5/thumbnails/30.jpg)
www.thinkbrg.com
Similar Customers Priced Equally
![Page 31: Achieving Income Growth in a Consumer Regulated Environment - May 2016](https://reader031.vdocuments.us/reader031/viewer/2022030301/587f2a3d1a28ab121d8b4cf3/html5/thumbnails/31.jpg)
www.thinkbrg.com
Looking to the Future
![Page 32: Achieving Income Growth in a Consumer Regulated Environment - May 2016](https://reader031.vdocuments.us/reader031/viewer/2022030301/587f2a3d1a28ab121d8b4cf3/html5/thumbnails/32.jpg)
www.thinkbrg.com
Are Lenders Hands Tied?
![Page 33: Achieving Income Growth in a Consumer Regulated Environment - May 2016](https://reader031.vdocuments.us/reader031/viewer/2022030301/587f2a3d1a28ab121d8b4cf3/html5/thumbnails/33.jpg)
www.thinkbrg.com
Embrace Change
![Page 34: Achieving Income Growth in a Consumer Regulated Environment - May 2016](https://reader031.vdocuments.us/reader031/viewer/2022030301/587f2a3d1a28ab121d8b4cf3/html5/thumbnails/34.jpg)
www.thinkbrg.com
New Customer Centric Paradigm
![Page 35: Achieving Income Growth in a Consumer Regulated Environment - May 2016](https://reader031.vdocuments.us/reader031/viewer/2022030301/587f2a3d1a28ab121d8b4cf3/html5/thumbnails/35.jpg)
www.thinkbrg.com
Seek Independent Verification