Hot Bank Stocks To Watch Right Now

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Hot Bank Stocks To Watch Right Now: Popular Inc.(BPOP)

Popular, Inc., through its subsidiaries, provides a range of retail and commercial banking products and services primarily to corporate clients, small and middle size businesses, and retail clients in Puerto Rico and Mainland United States. It offers deposit products; commercial, consumer, and mortgage loans, as well as lease finance; and finance and advisory services. The company also offers trust and asset management, brokerage and investment banking, and insurance and reinsurance services. As of December 31, 2010, it owned and occupied approximately 94 branch premises and other facilities in Puerto Rico; and 119 offices, including 20 owned and 99 leased in New York, Illinois, New Jersey, California, Florida, and Texas. Popular, Inc. was founded in 1917 and is headquartered in San Juan, Puerto Rico.

Advisors’ Opinion:

  • [By Paul Ausick]

    Among multinationals, Sterne Agee recommends three banks. The first is Puerto Rico’s Popular Inc. (NASDAQ: BPOP). The mid-cap bank’s stock closed at $28.21 on Friday in a 52-week range of $20.31 to $34.34. Based on Sterne Agee’s 2014 price target of $40.00, Popular has an upside potential of nearly 42% and a 2014 EPS estimate of $2.90. The investment firm’s forward multiple is just 9.6, below the Thomson Reuters consensus multiple of 10.3. Popular received TARP funds in 2009 and could repay the loan in the first quarter of next year, which will give the stock a shot in the arm as well.

  • [By Jake L’Ecuyer]

    Popular (NASDAQ: BPOP) shares tumbled 5.54 percent to $27.48 after Morgan Stanley downgraded the stock from Equal-weight to Underweight.

    Pacific Coast Oil Trust (NYSE: ROYT) down, falling 7.13 percent to $16.70 after the company priced a public offering by Pacific Coast Energy Company LP and other selling unitholders of 13,500,000 trust units at a price of $17.10 per unit.

Hot Bank Stocks To Watch Right Now: Raymond James Financial Inc (RJF)

Raymond James Financial, Inc. (RJF) is a financial services holding company whose subsidiaries are engaged in various financial services businesses predominantly in the United States of America and Canada. At September 30, 2011, its principal subsidiaries include Raymond James & Associates, Inc. (RJ&A), Raymond James Financial Services, Inc. (RJFS), Raymond James Financial Services Advisors, Inc. (RJFSA), Raymond James Ltd. (RJ Ltd.), Eagle Asset Management, Inc. (Eagle), and Raymond James Bank, FSB (RJ Bank). All of these subsidiaries are wholly owned by RJF. In April 1, 2011, the Company acquired Howe Barnes Hoefer & Arnett (Howe Barnes). The Company operates through eight business segments: Private Client Group, Capital Markets, Asset Management, RJ Bank, Emerging Markets, Securities Lending, Proprietary Capital and various corporate activities combined in the Other segment. In April 2012, Regions Financial Corporation sold Morgan Keegan & Company, Inc. and related affi liates to RJF.

PRIVATE CLIENT GROUP

The Company provides securities transaction and financial planning services to approximately two million client accounts through the branch office systems of RJ&A, RJFS, RJFSA, RJ Ltd. and Raymond James Investment Services Limited (RJIS), a joint venture in the United Kingdom. Its financial advisors offer a range of investments and services, including both third-party and products, and a variety of financial planning services. The Company charges sales commissions or asset-based fees for investment services it provides to its Private Client Group clients based on established schedules. Varying discounts may be given, generally based upon the client’s level of business, the trade size, service level provided, and other relevant factors. During the fiscal year ended September 30, 2011 (fiscal 2011), the portion of revenues from this segment that the Company considers recurring include sources, such as asset-based fe es, including mutual fund and annuity trailing commissions, ! and interest income and represented approximately 61% of the Private Client Group’s total revenues. Its financial advisors offer a number of professionally managed load mutual funds, as well as a selection of no-load funds. RJ&A and RJFS maintain dealer sales agreements with distributors of mutual fund shares sold through broker-dealers.

The Company’s principal subsidiary, RJ&A, is the full service brokerage and investment firm headquartered in the state of Florida and with over 220 locations throughout the United States, is a retail brokerage firms in the country. RJ&A is a self-clearing broker-dealer engaged in most aspects of securities distribution, trading, investment banking and asset management. RJ&A also offers financial planning services for individuals and provides clearing services for RJFS, RJFSA, other affiliated entities and several unaffiliated broker-dealers. RJFS is an independent contractor brokerage firms in the United States., is a member o f Financial Industry Regulatory Authority (FINRA) and Securities Investors Protection Corporation (SIPC), but is not a member of any exchanges. Financial advisors affiliated with RJFS may offer their clients all products and services offered through RJ&A, including investment advisory products and services which are offered through its affiliated registered investment advisor, RJFSA. RJ Ltd. is its Canadian broker-dealer subsidiary, which is engaged in both retail and institutional distribution and investment banking. RJ Ltd. is a member of the Toronto Stock Exchange (TSX) and the Investment Industry Regulatory Organization of Canada (IIROC). Its United States broker-dealer subsidiary is a member of FINRA and SIPC.

CAPITAL MARKETS

Capital Markets activities consist primarily of equity and fixed income products and services. Its institutional clients are serviced by institutional equity departments of RJ&A and RJ Ltd.; the RJ&A fixed income departmen t; RJ&A’s European offices; Raymond James Financial Intern! ational, ! Ltd, an institutional UK broker-dealer, and Raymond James European Securities, Inc., a joint venture, in which the Company hold a controlling interest. The Company charges commissions on equity transactions based on trade size and the amount of business conducted annually with each institution. Fixed income commissions are based on trade size and the characteristics of the specific security. Some European and United States offices also provide services to high net worth clients. RJ Ltd. has approximately 40 institutional equity sales and trading professionals servicing predominantly Canadian, United States and European institutional investors from offices in Canada and Europe.

Trading equity securities involves the purchase and sale of securities from and to its clients or other dealers. RJ&A makes markets in over 900 common stocks. The RJ Ltd. trading desks not only support client activity, but also take positions that are closely monitored within well defined limits. RJ Ltd. also provides specialist services in approximately 150 TSX listed common stocks. RJ&A trades both taxable and tax-exempt fixed income securities. The taxable and tax-exempt RJ&A fixed income traders purchase and sell corporate, municipal, government, government agency, and mortgage-backed bonds, asset-backed securities, preferred stock and certificates of deposit from and to its clients or other dealers.

Fixed income investment banking includes debt underwriting and public finance activities. The syndicate department consists of professionals who coordinate the marketing, distribution, pricing and stabilization of lead and co-managed equity underwritings. In addition to lead and co-managed offerings, this department coordinates the firm’s syndicate and selling group activities in transactions managed by other investment banking firms. Raymond James Tax Credit Funds, Inc. (RJTCF) is the general partner or managing member in a number of limited pa rtnerships and limited liability companies. These partnershi! ps and li! mited liability companies invest in real estate project entities that qualify for tax credits under Section 42 of the Internal Revenue Code.

ASSET MANAGEMENT

The Company’s Asset Management segment includes the operations of Eagle, the Eagle Family of Funds (Eagle Funds), the asset management operations of RJ&A (AMS), Raymond James Trust, and other fee-based programs. The majority of the revenue for this segment is generated by the investment advisory fees related to asset management services for individual investment portfolios and mutual funds. Investment advisory fees are also earned on assets held in managed and non-managed programs. Eagle Fund Distributors, Inc. (EFD), a wholly owned subsidiary of Eagle, is a registered broker-dealer engaged in the distribution of the Eagle Funds. The Eagle Funds utilize unaffiliated sub-advisors for the Capital Appreciation Fund and International Equity Fund. The Small Cap Growth Fund, Mid Cap Growth Fund, Gr owth and Income Fund, Large Cap Core Fund, Mid Cap Stock Fund, Investment Grade Bond Fund, and Small Cap Core Value Fund are managed by Eagle.

AMS

AMS manages several investment advisory programs which maintain an approved list of investment managers, provide asset allocation model portfolios, establish custodial facilities, monitor performance of client accounts, provide clients with accounting and other administrative services, and assist investment managers with certain trading management activities. In addition, AMS offers additional managed accounts managed within fee based asset allocation platforms under its Freedom accounts and other managed programs. Freedom’s investment committee manages portfolios of mutual funds, exchange traded funds and separately managed account models on a discretionary basis. AMS also provides certain services for their non-managed fee-based programs (Passport, Ambassador and other non-managed programs). They prov ide performance reporting, research, sales, accounting, trad! ing and o! ther administrative services. Client fees are based on the individual account or relationship size and may also be dependent on the type of securities in the accounts.

Raymond James Trust, National Association, (RJT) provides personal trust services primarily to existing clients of its broker-dealer subsidiaries. Portfolio management of trust assets can be subcontracted to its asset management operations. This subsidiary had a total of approximately $2 billion in client assets at September 30, 2011, including nearly $120 million in the donor-advised charitable foundation known as the Raymond James Charitable Endowment Fund.

RJ BANK

RJ Bank is a federally chartered savings bank, regulated by the Office of the Comptroller of the Currency (OCC), which provides corporate, residential and consumer loans, as well as Federal Deposit Insurance Corporation (FDIC) insured deposit accounts, to clients of our broker-dealer subsidiaries and to the g eneral public. RJ Bank is active in corporate loan syndications and bank participations as well as purchases residential whole loan packages to hold for investment. RJ Bank generates revenue principally through the interest income earned on loans and investments, which is offset by the interest expense it pays on client deposits and on its borrowings.

RJ Bank’s assets include C&I loans, commercial and residential real estate loans, as well as consumer loans that were purchased or originated by RJ Bank. Corporate loans represent approximately 75% of RJ Bank’s loan portfolio of which 90% are Shared National Credits (SNC) or other large syndicated loans. RJ Bank purchases and originates corporate loans secured by corporate assets, commercial and industrial (C&I) loans, commercial and residential real estate loans, as well as consumer loans, all of which are funded primarily by cash balances swept from the investment accounts of our broker-dealer subsidiaries’ clients.

EMERGING MARKETS

Raymond! James In! ternational Holdings, Inc. (RJIH), through its subsidiaries, has interests in operations in Latin American countries including Argentina, Uruguay and Brazil. Through these entities it operates securities brokerage, investment banking, asset management and equity research businesses. In fiscal 2011, approximately 75% of this segments’ investment banking revenues arose from one client.

SECURITIES LENDING

This segment conducts its business through the borrowing and lending of securities from and to other broker-dealers, financial institutions and other counterparties. The Company conducts these activities as an intermediary. Securities Lending will also loan customer marginable securities held in a margin account containing a debit to counterparties. The borrower of the securities puts up a cash deposit on which interest is earned. The lender in turn receives cash and pays interest. These cash deposits are adjusted daily to reflect changes in the cu rrent market value of the underlying securities. Additionally, securities are borrowed from other broker-dealers to facilitate RJ&A’s clearance and settlement obligations. The net revenues of this securities lending business are the interest spreads generated.

PROPRIETARY CAPITAL

This segment consists of its principal capital and private equity activities, including various direct and third-party private equity and merchant banking investments; Raymond James Employee Investment Funds I and II (the EIF Funds), and a private equity fund which we sponsor-Raymond James Capital Partners, L.P. As of September 30, 2011, certain of its merchant banking investments include an investment in a manufacturer of crime investigation and forensic supplies, an event photography business, and an indirect investment in an allergy immunotherapy testing and treatment supply company.

Advisors’ Opinion:

  • [By Eric Volkman]

    The joint book-running managers of the issue are Raymond James Financial (NYSE: RJF  ) unit Raymond James & Associates, Royal Bank of Canada’s (NYSE: RY  ) RBC Capital Markets, and the Securities divisions of Credit Suisse and Deutsche Bank (NYSE: DB  ) . The sale is expected to close on May 28.

Hot Bank Stocks To Watch Right Now: First Horizon National Corp (FHN)

First Horizon National Corporation (FHN), incorporated in 1968, is a bank holding company. The Company provides financial services through its subsidiary, First Tennessee Bank National Association (the Bank), and its subsidiaries. The Company’s two brands First Tennessee and FTN Financial provide customers with a range of products and services. First Tennessee provides retail and commercial banking services throughout Tennessee. FTN Financial (FTNF) is engaged in fixed income sales, trading, and strategies for institutional clients in the United States and abroad. FHN has four operating business segments: regional banking, capital markets, corporate, and non-strategic. As of December 31, 2011, the Bank had $16.4 billion in total deposits and $16 billion in total net loans. As of December 31, 2011, the Company’s subsidiaries had over 200 business locations in 17 the United States states, Hong Kong, and Tokyo, excluding off-premises automated teller machines (ATMs). As o f December 31, 2011, the Bank had 183 branch locations in four states, which include 172 branches in metropolitan areas of Tennessee; two branches in northwestern Georgia; seven branches in northwestern Mississippi, and two branches in North Carolina. As of December 31, 2011, FTN Financial products and services were offered through 18 offices in total, including 16 offices in 14 states plus an office in each of Hong Kong and Tokyo.

The regional banking segment offers financial products and services, including traditional lending and deposit taking, to retail and commercial customers in Tennessee and surrounding markets. Regional banking provides investments, financial planning, trust services and asset management, credit card, cash management, and first lien mortgage originations within the Tennessee footprint. In addition, the regional banking segment includes correspondent banking, which provides credit, depository, and other banking related services to other financial institutions.

The capital markets se! gment consists of fixed income sales, trading, and strategies for institutional clients in the United States and abroad, as well as loan sales, portfolio advisory, and derivative sales. The corporate segment consists of gains on the extinguishment of debt, unallocated corporate expenses, expense on subordinated debt issuances and preferred stock, bank-owned life insurance, unallocated interest income associated with excess equity, net impact of raising incremental capital, revenue and expense associated with deferred compensation plans, funds management, low income housing investment activities, and charges related to restructuring, repositioning, and efficiency. The non-strategic segment consists of the wind-down national consumer lending activities, legacy mortgage banking elements, including servicing fees, and the associated ancillary revenues and expenses related to these businesses. Non-strategic also includes the wind-down trust preferred loan portfolio and exited bus inesses along with the associated restructuring, repositioning, and efficiency charges.

As of December 31, 2011, the Company provided services through its subsidiaries, which include general banking services for consumers, businesses, financial institutions, and governments; through FTN Financial fixed income sales and trading, underwriting of bank, loan sales, advisory services and derivative sales; discount brokerage and full-service brokerage; correspondent banking; transaction processing, such as nationwide check clearing services and remittance processing; trust, fiduciary, and agency services; credit card products; equipment finance; investment and financial advisory services; mutual fund sales as agent; retail insurance sales as agent, and mortgage banking services.

As of December 31, 2011, the commercial, financial, and industrial (C&I) portfolio was eight billion dollars, and is consisted of loans used for general business purposes, and co nsisted of relationship customers in Tennessee and certain n! eighborin! g states, which are managed within the regional bank. Products include working capital lines of credit, term loan financing of owner-occupied real estate and fixed assets, and trade credit enhancement through letters of credit. As of December 31, 2011, the unpaid principal balance (UPB) of trust preferred loans totaled $447.2 million with the UPB of other bank-related loans totaling approximately $161.8 million. The commercial real estate portfolio includes both financings for commercial construction and non-construction loans. This portfolio is segregated between income commercial real estate (CRE) loans which contain loans, lines, and letters of credit to commercial real estate developers for the construction and mini- permanent financing of income-producing real estate, and residential CRE loans. The residential CRE portfolio includes loans to residential builders and developers for the purpose of constructing single-family detached homes, condominiums, and town homes. As of December 31, 2011, the residential CRE portfolio was $.1 billion. As of December 31, 2011, the consumer real estate portfolio was $5.3 billion, and is composed of home equity lines and installment loans. As of December 31, 2011, the credit card and other portfolios were $.3 billion, and primarily include credit card receivables, automobile loans, and over-the-counter (OTC) construction loans and other consumer related credits.

FHN’s investment portfolio consists of debt securities, including government agency issued mortgage-backed securities (MBS) and government agency issued collateralized mortgage obligations (CMO). During the year ended December 31, 2011, Government agency issued MBS and CMO, and other agencies averaged $2.9 billion. During 2011, the United States treasury securities and municipal bonds averaged $79.5 million. During 2011, investments in equity securities averaged $222.3 million.

During 2011, short-term funds (certificates of deposit greater than $100,000, federal funds purchased (! FFP), sec! urities sold under agreements to repurchase, trading liabilities, and other short-term borrowings) averaged $3.6 billion. During 2011, other borrowings increased to $.3 billion. Term borrowings include senior and subordinated borrowings and advances with original maturities greater than one year. During 2011, average term borrowings averaged $2.6 billion.

The Company competes with Regions Bank, SunTrust Bank, Wells Fargo Bank N.A., Bank of America N.A., and Pinnacle National Bank.

Advisors’ Opinion:

  • [By Monica Gerson]

    First Horizon National (NYSE: FHN) is estimated to report its Q3 earnings at $0.18 per share on revenue of $307.14 million.

    Laboratory Corp. of America Holdings (NYSE: LH) is expected to report its Q3 earnings at $1.80 per share on revenue of $1.45 billion.

  • [By John Maxfield]

    Given that you clicked on this article, it seems safe to assume you either own stock in First Horizon National (NYSE: FHN  ) or are considering buying shares in the near future. If so, then you’ve come to the right place. The table below reveals the nine most critical numbers that investors need to know about First Horizon stock before deciding whether to buy, sell, or hold it.

  • [By Eric Volkman]

    After the close of trading Friday, the S&P 500 will include Pfizer spinoff Zoetis (NYSE: ZTS  ) . The stock replaces First Horizon National (NYSE: FHN  ) , which is to find a new home on the S&P MidCap 400.

  • [By Sean Williams]

    Finally, regional bank First Horizon National (NYSE: FHN  ) , which has banking branches throughout Tennessee, added 4.2% just a day after paying shareholders a $0.05 quarterly dividend. Like Genuine Parts, there is no company specific news driving First Horizon higher, but the prospect for a higher net interest margin because of higher interest rates is certainly adding a boost to banks like First Horizon that rely on traditional loan and deposit growth. But as my Foolish colleague John Maxfield recently pointed out, you may want to keep your expectations for First Horizon tempered in the interim.

Hot Bank Stocks To Watch Right Now: Julius Baer Gruppe AG (BAER)

Julius Baer Gruppe AG (the Group) is a Switzerland-based private banking group, with an exclusive focus on servicing and advising private clients and independent asset managers. The Group has a global presence with approximately 50 locations in more than 25 countries and jurisdictions. Julius Baer Gruppe AG was established through spin off from Julius Baer Holding AG’s businesses into two independent entities, namely the Company, together with its subsidiaries, comprising Bank Julius Baer & Co Ltd as its principal operating entity, and GAM Holding, together with its subsidiaries, comprising GAM and the Julius Baer-branded asset management business, which includes the private label funds business that formerly was part of Julius Baer Holding Ltd’s Bank Julius Baer segment. The Group diversifies its operations into geographical segments, including Switzerland, rest of Europe, Americas, and Asia and Other Countries. Advisors’ Opinion:

  • [By Corinne Gretler]

    Julius Baer Group Ltd. (BAER) rallied 5.7 percent to 42.04 francs. Switzerland’s third-biggest wealth manager said increased client trading boosted margins as it integrated Merrill Lynch businesses acquired from Bank of America Corp. last year. The gross margin, which reflects how much the bank makes in revenue on managed client assets, rose to 102 basis points in the first half, from 98 basis points in the year-earlier period.

Hot Bank Stocks To Watch Right Now: Woori Finance Holdings Co Ltd (WF)

Woori Finance Holdings Co., Ltd., incorporated on March 27, 2001, is a financial holding company. The Company serves over 24 million corporate and retail customers with a range of financial services, including commercial banking, credit card, capital market, international banking, wealth management and bancassurance services. The Company’s domestic network consists of more than 1,300 branches and 8,500 cash terminals. Its banking subsidiaries include Woori Bank, Kwangju Bank and Kyongnam Bank. Its non-banking subsidiaries include Woori Investment & Securities, Woori AVIVA Life Insurance, Woori CS Asset Management, Woori Financial, Woori Finance Information System, Woori F&I and Woori Private Equity.The Company established a new wholly owned subsidiary, on March 16, 2011. The new entity is mainly engaged in banking business.

The Company’s products in retail banking include Low-Carbon Green Deposit, Mommy Relief Deposit, Plus Savings Deposit, Plus Revolving Time Deposit, Solid Success Time Installment Deposit and Happy Time Installment Deposit. Mommy Relief Deposit facilitates response to locate missing children; the fingerprints of children under 10 are digitally recorded by the bank and made instantly available nationwide if the child should go missing. Plus Savings Deposit is a fixed-interest installment-based time deposit account that offers preferential rates to customers who also apply for credit card products. It also provides bonus services for special occasions and foreign travel. Plus Revolving Time Deposit is a compound-interest time deposit especially for customers who want to access their funds in under three months. Solid Success Time Installment Deposit is a time installment deposit product for business owners. It offers a sliding scale of interest rates if the customer purchases additional products, such as a retirement annuity. Happy Time Installment Deposit is a fixed-interest time installment deposit account for individuals. It also provides extra services for occasio! ns, such as weddings, overseas trips and the birth of a child.

The Company provides one-stop services to corporate clients through joint account management by Woori Bank, Woori Investment & Securities, Woori CS Asset Management and Woori Private Equity. It also carries out various sales and marketing activities to promote its products and services to domestic companies of all sizes. The Company supports small and medium-sized enterprise (SME). In addition to financial products, it also provides professional consulting services. Woori Bank ahs developed the Woori Robot Era Loan and Woori Green Solar Loan. To help family-owned businesses, Woori Bank operates the Woori Family Business Succession Consulting program.

Woori Bank has an investment banking firm in Hong Kong. Woori Financial Group acts as a developer of client specific derivatives. Woori Bank acts as a dealer in overseas index products, including NIKKEI and HSCEI-indexed derivatives. The Ba nk also sells comForex, combining F/X and spot transactions. As of December 31, 2009, the Company had 9.3 million cardholders. Woori Financial Group provides its private banking clients with financial solutions. Woori Bank has consulting centers for private banking customers, which offers advice on taxes, real estate, asset management, overseas investments and financing solutions for emigrants and students studying abroad.

The Company provides wealth management solutions for its customers. Octo is the name of Woori Investment & Securities wealth management service for high-networth individuals. Octo customers can use a single platform to buy and sell equity-linked securities, bonds, repurchase agreements, bills and beneficiary certificates, and access their cash management accounts. The Company provides professional advice and a range of consumer insurance products to its clients. It offers a portfolio of 61 insurance products, which includes 35 life insurance, and 26 property and casualty. Woori CS Asset Management has! one exch! ange traded funds and 63 other products, including structured products, overseas asset funds and index funds.

Woori Finance Information System has developed integrated customer relationship management (CRM) and Groupware systems, information technology (IT) systems for Woori Bank’s overseas branches and a credit risk management system for Woori Investment & Securities. The Company also deployed a standardized asset & liability management system and an imaging system for managing utility bill payments. The Company has also integrated the IT infrastructure of Woori CS Asset Management, Woori AVIVA Life Insurance and Woori Financial into its system.

Advisors’ Opinion:

  • [By Holly LaFon]

    Question: Is Berkshire too big to fail? How about DF and how does it impact insurance and Wells Fargo (WF) and Goldman Sachs (GS)?

    Warren: It won’t affect it to my knowledge. Capital ratios for long banks at high levels and affects return on equity. Cap ratios increase and return on equity will increase. Banking in the U.S. is stronger than in the past 20 years. Compared to the EU or 20 years ago, it’s dramatically stronger. Don’t worry about banking being the cause of the next bubble. Usually we don’t get to a bubble the same way we got to the last one. I feel good about our investments at MNT and WFC. We won’t earn as much return on equity because the rules change.

  • [By Holly LaFon]

    Question: Is Berkshire too big to fail? How about DF and how does it impact insurance and Wells Fargo (WF) and Goldman Sachs (GS).

    Warren: It won’t affect it to my knowledge. Capital ratios for long banks at high levels and affects return on equity. Cap ratios increase and return on equity will increase. Banking in the U.S. is stronger than in the past 20 years. Compared to the EU or 20 years ago, it’s dramatically stronger. Don’t worry about banking being the cause of the next bubble. Usually we don’t get to a bubble the same way we got to the last one. I feel good about our investments at MNT and WFC. We won’t earn as much return on equity because the rules change.

Hot Bank Stocks To Watch Right Now: Raiffeisen Bank International AG (RBI)

Raiffeisen Bank International AG (RBI) is an Austria-based bank that focuses on corporate and retail banking sector. The Bank offers a range of products and consulting services, as well as market knowledge. The Bank’s products and solutions include financing, leasing, investing, hedging, trade & export finance, investment banking, cash management, payment services, custody & fund services, and cards, among others. RBI is organized into seven segments: the Central Europe segment encompassed the banking markets in the European Union countries in Central and Eastern Europe (CEE) region; the Southeastern Europe segment comprises Albania, Bosnia and Herzegovina, Bulgaria and Croatia, among others; the Commonwealth of Independent States (CIS) other segment comprises Belarus, Kazakhstan and Ukraine; the Group Corporates segment covers business with corporate customers of the Bank; the Group Markets segment covers capital market customers and business; Corporate Center, and Russia. Advisors’ Opinion:

  • [By Rebecca Bundhun]

    The Reserve Bank of India (RBI) recently banned banks from issuing loans under the “80:20 scheme”, which, through a three-way agreement between the lender, the developer, and the homebuyer, allowed the customer to pay 20% upfront, while the remainder of the loan would be issued to the developer, regardless of the stage of construction.

Hot Bank Stocks To Watch Right Now: Bank of Hawaii Corp (BOH)

Bank of Hawaii Corporation, incorporated on February 4, 1998, is a bank holding company. The Company’s operating subsidiary is Bank of Hawaii (the Bank). The Bank provides a range of financial services and products primarily to customers in Hawaii, Guam and other Pacific Islands. The Bank’s subsidiaries include Bank of Hawaii Leasing, Inc., Bankoh Investment Services, Inc. and Pacific Century Life Insurance Corporation. The Bank’s subsidiaries are engaged in equipment leasing, securities brokerage, investment services and providing credit insurance. It operates in four segments: Retail Banking, Commercial Banking, Investment Services, and Treasury and Other. Its other subsidiary is the BOHC Investment Fund, LLC (the Fund). The Fund was organized to invest in and hold securities of Qualified High Technology Businesses.

Retail Banking

Retail Banking offers a range of financial products and services to consumers and small businesses. Loan and lease products include residential mortgage loans, home equity lines of credit, automobile loans and leases and installment loans. Deposit products include checking, savings, and time deposit accounts. Retail Banking also offers retail insurance products. Products and services from Retail Banking are delivered to customers through 65 Hawaii branch locations, 494 automated teller machines (ATMs) throughout Hawaii and the Pacific Islands, e-Bankoh (on-line banking service), around-the-clock customer service center, and a mobile banking service.

Commercial Banking

Commercial Banking offers products, including corporate banking, commercial real estate loans, commercial lease financing, auto dealer financing, and deposit products. Commercial lending and deposit products are offered to middle-market and large companies in Hawaii. Commercial real estate mortgages focus on customers that include investors, developers, and builders predominantly domiciled in Hawa ii. Commercial Banking also includes international banking a! nd operations at the Bank’s 11 branches in the Pacific Islands and also provides merchant services to its small business customers.

Investment Services

Investment Services includes private banking, trust services, investment management, and institutional investment advisory services. The private banking and personal trust group assists individuals and families in building and preserving their wealth by providing investment, credit, and trust services to high-net-worth individuals The investment management group manages portfolios utilizing a variety of investment products. Institutional client services offer investment advice to corporations, government entities and foundations. Investment Services also provides a full service brokerage offering equities, mutual funds, life insurance, and annuity products.

Treasury and Other

Treasury consists of corporate asset and liability management activities, including interest rate r isk management and a foreign exchange business. This segment’s assets consist of interest-bearing deposits, investment securities, federal funds sold and purchased, government deposits, and short and long-term borrowings. The primary sources of noninterest income are from bank-owned life insurance, net gains from the sale of investment securities, and foreign exchange income related to customer driven currency requests from merchants and island visitors.

Investment Securities

The Bank’s investment securities portfolio includes debt securities issued by the United States Treasury and Government Agencies, debt securities issued by states and political sub-divisions, debt securities issued by corporations, mortgage-backed securities issued by government agencies and the United States Government-Sponsored Enterprises. As of December 31, 2012, its available-for-sale investment securities portfolio consisted of securities with an average base duration o f less than three years.

Advisors’ Opinion:

  • [By John Maxfield]

    Percentages aside, the benefit of the relative health of these housing markets can be seen in the performance of smaller, regional banks like Bank of Hawaii (NYSE: BOH  ) , BB&T (NYSE: BBT  ) , and TD Bank (NYSE: TD  ) which have large presences in Hawaii, West Virginia, and Maine, respectively. Shares of all of these banks have more than recovered since the financial crisis as a testament to this.