Hoosier Banker 41 Start Assessing Impact Now Bankers should take action now to assess the impact of operating leases on their banks’ balance sheets. The addition of right-ofuse assets to a bank’s balance sheet is likely to impact the calculation of its regulatory capital ratios. Banks should begin discussing these impacts to regulatory capital ratios with their primary regulators. In addition, loan officers and credit analysts should begin assessing the impact on loan covenants for customers with leases and determining the impact to credit evaluation. Additionally the impact to financial analysis for credit evaluation and monitoring will have to be assessed, and perhaps software modifications will be required. With the many implementation issues that need to be considered, the implementation dates of 2019 or 2020 will approach rapidly. HB “Talent Gathers Here” is the theme of BankTalentHQ, a talent management website now available through the Indiana Bankers Association, in partnership with several state bankers associations. The banktalenthq. com website is a comprehensive career center/job board that interfaces with social media outlets to provide enhanced marketing to candidates, both within and outside of the industry. The focus of banktalenthq.com is its job board, which allows financial organizations to purchase either single 30-day posts, or discounted packages for multiple vacancies; additionally, internships may be posted at a discounted rate. Ancillary services at Talent Gathers Here at BankTalentHQ BankTalentHQ include industry news and articles, resume writing, a career learning center and coaching. To help engage the Indiana banking community in BankTalentHQ, free postings are available to IBA members and associate members through Friday, March 31. For more information, contact Rod Lasley at the IBA at rlasley@indianabankers.org. Meantime, be sure to like, follow and share the following BankTalentHQ social media sites: • Facebook: facebook.com/BankTalentHQ/ • Twitter: twitter.com/banktalenthq • LinkedIn: linkedin.com/company/banktalenthq HB As a leading global provider of entity management services, we offer you advantages few others can match. Our extensive range of services is available in a number of the world’s most attractive jurisdictions. See how our services and skilled professionals can make the difference on your next deal. For more insight on how we’ve successfully served clients on entity management transactions, contact one of our experienced professionals or visit wilmingtontrust.com/entitymanagement. Your experienced team for entity management services. 13701 HOOSIER BANKER | CMYK | TRIM: 7.5 X 4.75” DELAWARE & NEVADA INVESTMENT HOLDING COMPANY SERVICES | CUSTODY | COLLATERAL MANAGEMENT | TRUST SERVICES WILMINGTON TRUST RENOWNED EXPERIENCE | ENTITY MANAGEMENT MARY ALICE AVERY mavery@wilmingtontrust.com 302-636-6127 AMY STENGEL astengel@wilmingtontrust.com 302-651-8374 MINDY WALSER mwalser@wilmingtontrust.com 702-866-2203 Wilmington Trust is a registered service mark. Wilmington Trust Corporation is a wholly owned subsidiary of M&T Bank Corporation (M&T). ©2017 Wilmington Trust Corporation and its affiliates. All rights reserved. CS14678_GCM EntityMang_ 7.5x4.75_Hoosier 2017A.indd 1 2/9/2017 4:22:44 PM
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