The Institutional Risk Analyst

Register for Updates!

Questions? Comments? info@theinstitutionalriskanalyst.com

Joe Biden Declares War on Family Farms, Owner Occupied Businesses and Home Ownership

R. Christopher Whalen

May 17
5 min

Joe Biden Declares War on Family Farms, Owner Occupied Businesses and Home Ownership

Why is Joe Biden declaring war on American family farmers, investors in multifamily real estate and Main Street USA?

2,671 views

Forbearance, Shrinking NIM & Prepayments Menace US Financials

R. Christopher Whalen

Apr 12
6 min

Forbearance, Shrinking NIM & Prepayments Menace US Financials

Simply stated, US banks are twice as expensive as they were a year ago looking at earnings and assets....

800 views

Update: Commercial, Residential Loans & MSRs

R. Christopher Whalen

Apr 5
13 min

Update: Commercial, Residential Loans & MSRs

We continue to believe that issuers and funds should be accumulating conventional servicing. Rates bottomed in February...

392 views

R. Christopher Whalen

Mar 25
7 min

Update: Q1 2021 Bank Earnings

US banks are running at income levels that are less than half of a year ago...

307 views

Interview: Ed Kane on Inflation & Disruption

R. Christopher Whalen

Feb 25
10 min

Interview: Ed Kane on Inflation & Disruption

This is a really bad time to be focused on macroeconomic data....

778 views

R. Christopher Whalen

Feb 3
6 min

Profile: Bank OZK -- It's All About the NIM

Significantly, OZK predicts shrinking CRE loan volumes in 2021....

326 views

Update: Commercial & Residential Real Estate, MSRs

R. Christopher Whalen

Jan 29
8 min

Update: Commercial & Residential Real Estate, MSRs

Most of midtown Manhattan’s offices and other structures are unused. Commuter volumes are 10% of pre-COVID levels.

697 views

Outlook 2021: Financials & Credit Markets

R. Christopher Whalen

Dec 28, 2020
8 min

Outlook 2021: Financials & Credit Markets

New issue volumes in all of the major securities asset classes other than Treasury debt are trending lower as 2021 begins....

756 views

Top Five US Banks: Q3 2020 Earnings Setup

R. Christopher Whalen

Oct 12, 2020
7 min

Top Five US Banks: Q3 2020 Earnings Setup

There is a reason why the smart money on Wall Street is creating new strategies focused on non-performing loans...

695 views

R. Christopher Whalen

Sep 28, 2020
11 min

Bank Profile: Ally Financial Inc

ALLY has all of the required attributes for inclusion in The IRA Bank Dead Pool....

667 views

R. Christopher Whalen

Jul 27, 2020
14 min

Bank Profile: The Goldman Sachs Group

GS is the smallest of the global investment banks but the most highly levered of the large US banking groups

297 views

R. Christopher Whalen

Jul 13, 2020
7 min

Banks: Value Tease or Value Trap?

The Street wants to own these bank stocks, plain and simple....

879 views

R. Christopher Whalen

Jul 7, 2020
6 min

COVID19: Picking Winners & Losers

The summer of 2020 is all about picking winners and losers in the COVID19 lottery

678 views

Chairman Powell Pirouettes on Bank Dividends

R. Christopher Whalen

Jun 29, 2020
5 min

Chairman Powell Pirouettes on Bank Dividends

many years will pass before investors see such cash returns on capital again

665 views

Powell Missteps on Corporate Bond Purchases

R. Christopher Whalen

Jun 18, 2020
6 min

Powell Missteps on Corporate Bond Purchases

This situation creates political risk for Chairman Powell and the Federal Reserve System...

1,178 views

R. Christopher Whalen

Jun 7, 2020
9 min

Sizing the Commercial Real Estate Bust

So how big is the impending commercial real estate bust in the US?

3,647 views

Financials Climb the Wall of Worry -- For Now

R. Christopher Whalen

Jun 5, 2020
4 min

Financials Climb the Wall of Worry -- For Now

Look for banks to continue to climb higher as investors cannot help but be impressed by a steepening yield curve.

377 views

R. Christopher Whalen

Jun 1, 2020
5 min

Markets Bounce as Real Economy Staggers

Stick with dread for now. We see a second credit tsunami approaching on the horizon.

616 views