By Ian Robinson Probability of Default Predictive analysis is forecast modelling based on a matrix of variables to determine future outcomes. It is usually an amalgamation of historical data regression for market...
CLIENT POSITION           The clients are broadacre and sheep farmers who were disappointed with the service from both bank and manager. The loan product that had been set up was unsuitable...
By Ian Robinson Conceptually you could buy large farming aggregations, industrial warehouses, portfolios of commercial property and blue-chip waterfronts. Without interest to pay, there is no opportunity cost of capital. Theoretically,...
CLIENT POSITIONÂ Â Â Â Â Â Â Â Â Â Â The client required short term finance to enable him to pay out his life/business partner in the time required by the court and continue to operate the farm...
CLIENT POSITION           The client, a broadacre farmer, required funds to implement a final stage of their succession plan. It involved purchasing land from a family member and dissolving a business...
With Deano and Mic back in Europe after our ice trek, I was now uninhibited at 66 degrees and 53 minutes north of equator in Sisimiut on Greenland’s west coast...
CLIENT POSITION The client is an established, well respected property developer who was in the process of commencing a regional residential land subdivision. Certain delays in the construction process meant that the...
By Ian Robinson Two rate cuts in two months with maybe more to come. But with hundreds of loan products over dozens of lenders, how did these cuts flow onto your...
By Ian Robinson Interest rates have materially fallen. That is the good news for all holders of variable loans. BUT there is a large percentage of fixed loans in the market that...
By Ian Robinson Writing commercial and agribusiness loans for the past 15 years builds up a war chest of intellectual property and proprietary from the perpetual motion of romancing business owners...
By Ian Robinson Wouldn’t you like to know how important you are to your bank? This knowledge will then, after all, qualify the level of competent service and support that your...
By Ian Robinson Pub witticism amongst borrowers has gone along the lines of, “If you borrow a small amount of money and you get into trouble, it’s your problem. If you...