achieving income growth in a consumer regulated environment - may 2016
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Achieving Income Growth in a Consumer Regulated Environment
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Agenda
US Mortgage Market
US & EU Market Fundamentals
Multiple Stakeholders
Behavioral Based Regulation
Changing the Industry Paradigm
Looking to the Future
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US Mortgage Market
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US Property Appreciation
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US Single-Family Originations
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US Homeownership Rates
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US Housing Growth Forecasts
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US & EU Market Fundamentals
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US & European Mortgage Markets
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Primary Funding Models Differ
USA Securitization
Europe Covered Bonds
UK & Ireland Balance Sheet
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High Levels of Innovation
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Excessive Price-led Competition
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Net Lending Growth a Key Challenge
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Multiple Stakeholders
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Driving Retail P&L
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Biggest Commitment for Consumers
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Key Issue for Governments
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Imposing Customer Safeguards
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Balancing Competing Interests
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Behavioral Based Regulation
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Exploiting Customers?
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Information Asymmetry?
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Sales Bias?
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Products Designed for Customers?
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Making Money Fairly?
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Changing the Industry Paradigm
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Econometrics and Observation
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Customer Needs & Preferences
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Pricing Analytics
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Similar Customers Priced Equally
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Looking to the Future
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Are Lenders Hands Tied?
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Embrace Change
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New Customer Centric Paradigm
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Seek Independent Verification
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David Ashbier Tony Moroneydashbier@thinkbrg.com tmoroney@thinkbrg.com
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