US banks adopted CECL (Current Expected Credit Losses) at start of 2020
Under CECL banks have to immediately take credit charges for full impact of any lower macro forecasts
Macro forecasts should change a lot with Trump tariffs
Earnings season start with $JPM, $WFC next Fri
Under CECL banks have to immediately take credit charges for full impact of any lower macro forecasts
Macro forecasts should change a lot with Trump tariffs
Earnings season start with $JPM, $WFC next Fri
April 4, 2025 at 1:37 PM
US banks adopted CECL (Current Expected Credit Losses) at start of 2020
Under CECL banks have to immediately take credit charges for full impact of any lower macro forecasts
Macro forecasts should change a lot with Trump tariffs
Earnings season start with $JPM, $WFC next Fri
Under CECL banks have to immediately take credit charges for full impact of any lower macro forecasts
Macro forecasts should change a lot with Trump tariffs
Earnings season start with $JPM, $WFC next Fri
Happy 2025 on behalf of the UCLouvain CECL team!
January 3, 2025 at 8:51 AM
Happy 2025 on behalf of the UCLouvain CECL team!
New #FEDSPaper: How Did CECL Affect Bank Lending? www.federalreserve.gov/econres/feds...
How Did CECL Affect Bank Lending?
The Federal Reserve Board of Governors in Washington DC.
www.federalreserve.gov
September 25, 2026 at 7:09 PM
New #FEDSPaper: How Did CECL Affect Bank Lending? www.federalreserve.gov/econres/feds...
Episode #41 of #KamenRiderZEZTZ is now available for you to watch whenever you like on the TokuSHOUTsu YouTube channel!
▶ Case 41: Arise - www.youtube.com/watch?v=ceCl...
▶ ZEZTZ Playlist - youtube.com/playlist?lis...
💤 #ZEZTZ #41 Discussion: www.rangerboard.com/index.php?th...
▶ Case 41: Arise - www.youtube.com/watch?v=ceCl...
▶ ZEZTZ Playlist - youtube.com/playlist?lis...
💤 #ZEZTZ #41 Discussion: www.rangerboard.com/index.php?th...
June 28, 2026 at 8:18 PM
Episode #41 of #KamenRiderZEZTZ is now available for you to watch whenever you like on the TokuSHOUTsu YouTube channel!
▶ Case 41: Arise - www.youtube.com/watch?v=ceCl...
▶ ZEZTZ Playlist - youtube.com/playlist?lis...
💤 #ZEZTZ #41 Discussion: www.rangerboard.com/index.php?th...
▶ Case 41: Arise - www.youtube.com/watch?v=ceCl...
▶ ZEZTZ Playlist - youtube.com/playlist?lis...
💤 #ZEZTZ #41 Discussion: www.rangerboard.com/index.php?th...
Cheers to a New Year! UCLouvain CECL team 🩷
December 20, 2024 at 8:41 PM
Cheers to a New Year! UCLouvain CECL team 🩷
This increasing delinquency rate (uncorrelated to initial claims) is a bit of a mystery, but certainly does not bode well for consumer credit and CECL reserves for card issuers. #econsky #economics 📈 📉
US Consumer Borrowing Surges by $40.8 Billion, Most on Record www.bloomberg.com/news/article...
US Consumer Borrowing Surges by $40.8 Billion, Most on Record www.bloomberg.com/news/article...
US Consumer Borrowing Surges by $40.8 Billion, Most on Record
US consumer debt outstanding unexpectedly surged by the most on record in December, reflecting massive increases in credit-card balances and non-revolving credit.
www.bloomberg.com
February 8, 2025 at 2:16 AM
This increasing delinquency rate (uncorrelated to initial claims) is a bit of a mystery, but certainly does not bode well for consumer credit and CECL reserves for card issuers. #econsky #economics 📈 📉
US Consumer Borrowing Surges by $40.8 Billion, Most on Record www.bloomberg.com/news/article...
US Consumer Borrowing Surges by $40.8 Billion, Most on Record www.bloomberg.com/news/article...
SPARK Matrix™: Current Expected Credit Loss (CECL)
qksgroup.com/market-resea...
QKS Group’s market research on Current Expected Credit Loss (CECL) provides a comprehensive global analysis, examining both shortterm and longterm market growth opportunities, evolving trends and future market dynamics.
qksgroup.com/market-resea...
QKS Group’s market research on Current Expected Credit Loss (CECL) provides a comprehensive global analysis, examining both shortterm and longterm market growth opportunities, evolving trends and future market dynamics.
October 8, 2025 at 6:42 AM
SPARK Matrix™: Current Expected Credit Loss (CECL)
qksgroup.com/market-resea...
QKS Group’s market research on Current Expected Credit Loss (CECL) provides a comprehensive global analysis, examining both shortterm and longterm market growth opportunities, evolving trends and future market dynamics.
qksgroup.com/market-resea...
QKS Group’s market research on Current Expected Credit Loss (CECL) provides a comprehensive global analysis, examining both shortterm and longterm market growth opportunities, evolving trends and future market dynamics.
CECL - current expected loss model
March 7, 2024 at 12:33 PM
CECL - current expected loss model
THEY HABD THE SE X IN THE CECL L NX
November 23, 2024 at 9:20 AM
THEY HABD THE SE X IN THE CECL L NX
This is extremely concerning bucket 3 to C/O flows are usually 80%.
Back in 2008, we didn’t have CECL reserves for LLR … I no longer have data access, but I’m betting reserves for COF, AXP, C, JPM would be interesting to compare.
Also, a terrible time to disband CFPB. Collections schemes are iffy
Back in 2008, we didn’t have CECL reserves for LLR … I no longer have data access, but I’m betting reserves for COF, AXP, C, JPM would be interesting to compare.
Also, a terrible time to disband CFPB. Collections schemes are iffy
February 20, 2026 at 1:06 PM
This is extremely concerning bucket 3 to C/O flows are usually 80%.
Back in 2008, we didn’t have CECL reserves for LLR … I no longer have data access, but I’m betting reserves for COF, AXP, C, JPM would be interesting to compare.
Also, a terrible time to disband CFPB. Collections schemes are iffy
Back in 2008, we didn’t have CECL reserves for LLR … I no longer have data access, but I’m betting reserves for COF, AXP, C, JPM would be interesting to compare.
Also, a terrible time to disband CFPB. Collections schemes are iffy
As the GFC fades into the past, CECL and stress testing will become harder due to limited data. At what point does it make sense to rethink that approach to bank capital.
February 24, 2025 at 8:31 PM
As the GFC fades into the past, CECL and stress testing will become harder due to limited data. At what point does it make sense to rethink that approach to bank capital.
#writingcommunity #sciencfiction #bookclub #authors #divergenceprotostar
I'm excited to share that my first novel is available on Amazon Kindle, Softback, and Hardback! This is the first of the trilogy. Book 2 is due in spring 2026, if all goes as planned.
Take a look!
a.co/d/d5Au3Q0
I'm excited to share that my first novel is available on Amazon Kindle, Softback, and Hardback! This is the first of the trilogy. Book 2 is due in spring 2026, if all goes as planned.
Take a look!
a.co/d/d5Au3Q0
Divergence Protostar: Post apocalyptic science fiction trilogy novel.
Divergence Protostar: Post apocalyptic science fiction trilogy novel. [Lowson, Mrs Cecilie R] on Amazon.com. *FREE* shipping on qualifying offers. Divergence Protostar: Post apocalyptic science fiction trilogy novel.
a.co
October 5, 2025 at 7:40 AM
In a world shattered by plague and war, six strangers discover a connection that defies logic—and could save humanity.
a.co/d/4l7xKZL
#sci-fi #sciencefiction #trilogy #divergenceprotostar #authors #writingcommunity #writingandbooks #bookclub #newauthor #selfpublish
a.co/d/4l7xKZL
#sci-fi #sciencefiction #trilogy #divergenceprotostar #authors #writingcommunity #writingandbooks #bookclub #newauthor #selfpublish
October 6, 2025 at 10:56 AM
Eu só queria trazer o seguinte post aq do amigo (bsky.app/profile/cecl...) e dizer o seguinte:
"Um povo que não conhece a sua história está condenado a repeti-la." - Edmund Burke
"Aqueles que não conseguem lembrar o passado estão condenados a repeti-lo" - George Santayana
Por enquanto é só isso.
"Um povo que não conhece a sua história está condenado a repeti-la." - Edmund Burke
"Aqueles que não conseguem lembrar o passado estão condenados a repeti-lo" - George Santayana
Por enquanto é só isso.
November 7, 2024 at 9:48 PM
Eu só queria trazer o seguinte post aq do amigo (bsky.app/profile/cecl...) e dizer o seguinte:
"Um povo que não conhece a sua história está condenado a repeti-la." - Edmund Burke
"Aqueles que não conseguem lembrar o passado estão condenados a repeti-lo" - George Santayana
Por enquanto é só isso.
"Um povo que não conhece a sua história está condenado a repeti-la." - Edmund Burke
"Aqueles que não conseguem lembrar o passado estão condenados a repeti-lo" - George Santayana
Por enquanto é só isso.
Your bong hits are the best 😍
They almost always come with a titty flash and this time a bonus ass flash 😋👏🏼
They almost always come with a titty flash and this time a bonus ass flash 😋👏🏼
Allowance/CECL
Abrigo supports more institutions than any other CECL or allowance vendor, offering a variety of CECL models while delivering significant time savings.
alll.com
March 31, 2025 at 11:39 PM
Your bong hits are the best 😍
They almost always come with a titty flash and this time a bonus ass flash 😋👏🏼
They almost always come with a titty flash and this time a bonus ass flash 😋👏🏼
NANATORIDORI | Opinando
YouTube video by JUGONES DELUXE / Juegos de mesa
www.youtube.com
November 12, 2025 at 5:33 AM
I don’t speak French but I totally understand the comments.
August 25, 2025 at 3:45 PM
I don’t speak French but I totally understand the comments.
Last night’s notes from Adventures in Insomnia:
Add ROU assets by country
Change “issued” on stock footnote to “vested”
CECL comparative for 2024 can be described as immaterial
Check redline from yesterday
Add ROU assets by country
Change “issued” on stock footnote to “vested”
CECL comparative for 2024 can be described as immaterial
Check redline from yesterday
February 28, 2026 at 1:55 PM
Last night’s notes from Adventures in Insomnia:
Add ROU assets by country
Change “issued” on stock footnote to “vested”
CECL comparative for 2024 can be described as immaterial
Check redline from yesterday
Add ROU assets by country
Change “issued” on stock footnote to “vested”
CECL comparative for 2024 can be described as immaterial
Check redline from yesterday
el problema de Invincible (el comic) es que ryan ottley no se quiere follar a cecil. los animadores de la serie, por otro lado, se lo quieren follar muchisimo
August 12, 2026 at 9:11 AM
el problema de Invincible (el comic) es que ryan ottley no se quiere follar a cecil. los animadores de la serie, por otro lado, se lo quieren follar muchisimo
Attributing Differences Between Forecast Runs to Input Changes, With Applications to CCAR and CECL Exercises: Junze Lin
NEP/RePEc link
to paper
d.repec.org
September 21, 2026 at 3:56 PM
Attributing Differences Between Forecast Runs to Input Changes, With Applications to CCAR and CECL Exercises: Junze Lin
Opinion | How to Make Life Hard for Small Banks - The Wall Street Journal
apple.news/ArNRcq1OmQdO...
apple.news/ArNRcq1OmQdO...
Opinion | How to Make Life Hard for Small Banks — The Wall Street Journal
The CECL accounting standard is costly and counterproductive.
apple.news
September 9, 2026 at 4:27 AM
Opinion | How to Make Life Hard for Small Banks - The Wall Street Journal
apple.news/ArNRcq1OmQdO...
apple.news/ArNRcq1OmQdO...