loan portfolio

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Loan Portfolio

The loans that a lender (or a buyer of loans) is owed. The loan portfolio is listed as an asset on the lender's or investor's balance sheet. The value of a loan portfolio depends on both the principal and interest owed and the average creditworthiness of the loans.

loan portfolio

Loans that have been made or bought and are being held for repayment. Loan portfolios are the major asset of banks, thrifts, and other lending institutions. The value of a loan portfolio depends not only on the interest rates earned on the loans, but also on the quality or likelihood that interest and principal will be paid.
References in periodicals archive ?
Depressed economic times and stepped-up regulatory scrutiny of depository institution (DI) loan portfolios have drawn new attention to an old concept: the allowance for loan and lease losses (ALLL).
Horizon Bancorp (NASDAQ: HBNC) ("Horizon") announced today that it has taken additional provisions for losses related to its wholesale mortgage and indirect auto loan portfolios.
The managements of thrift institutions and their auditors must recognize and adjust to the risk inherent in their loan portfolios.
The ratings on the NMFA's PPRF bonds are based on the NMFA's continuing record of conservative loan underwriting criteria, the revenue securing the bonds, the diversification of the loan portfolios and the sound management of PPRF loan programs.
Three loan portfolios (71%) are currently in special servicing.
The ratings on the NMFA's PPRF bonds are based on the revenue securing the bonds, the diversification of the loan portfolios and the sound management of PPRF loan programs.
In 2004, the fastest-growing component of bank loan portfolios was home equity lending, which grew at nearly 42%; however, growth rates dropped significantly to roughly 9% in 2005.
In addition, Bridger's BankXchange(R) platform optimizes banks' loan portfolio risk profiles and returns by facilitating purchases and sales of loan portfolios, whole loans and participations.
Asset quality remains strong, as BKUNA's somewhat riskier option ARMs and ALT-A loan portfolios have performed solidly to date, however, this track record has been achieved during a prolonged period of economic expansion and within a robust housing boom.
Both of these loan portfolios are in special servicing due to the operator bankruptcy.
Executives and loan officers in our network of commercial banks can now more easily sculpt their real estate loan portfolios to reflect their evolving commercial real estate credit strategies.
In addition, Bridger's BankXchange(C) platform optimizes banks' loan portfolio risk profiles and returns by facilitating purchases and sales of loan portfolios, whole loans and participations.