What's New at THC

Finzat and THC introduce Credit Retailed Loans

Credit retained loans facilitate loan transactions between investors and bank borrowers, creating a liquid market for credit risk transfer, reducing the deadweight loss of moral hazard, lowering the due diligence expense, and tightening transactional spreads. As a result, investors can attain a higher return while borrowing banks can achieve funding for their loans and can implement effective asset-liability management strategies. read more


THC New Member

THC welcomes Megan Metheny as Administrative Manager

THC welcomes Megan Metheny as Administrative Manager. Megan joins THC with vast experience navigating dynamic and diverse client relations, interpreting and understanding legal documents and effectively applying the necessary analytical and technical skills to make prompt and impactful decisions.

Among other responsibilities, Megan will be responsible for overseeing the THC training program for current and future clients. Her dedication and entrepreneurial spirit will complement the THC team.


Finzat And Thomas Ho Company LTD (THC) Launch The First Blockchain

Finzat And Thomas Ho Company LTD (THC) Launch The First Blockchain Powered Loan Transaction Network

NEW YORK, Sept. 25, 2018 /PRNewswire/ -- Finzat Block, a blockchain solution provider and a Block One Capital portfolio company, and THC, a nationally recognized leader in Asset-Liability Management and whole loan trading, have agreed to combine THC's loan trading network with Finzat's blockchain technologies to improve market efficiencies, transparency and profitability.read more


Launch of First Blockchain Powered Loan Transaction Network

Finzat Block and Thomas Ho Company Ltd (THC) Announce Launch of First Blockchain Powered Loan Transaction Network

VANCOUVER, British Columbia, Sept. 20, 2018 (GLOBE NEWSWIRE) -- Block One Capital Inc. (TSXV: BLOK, OTCQB: BKPPF Frankfurt: ES3) (the "Company" or "Block One Capital"), an investment company focused on early stage and high growth opportunities in the blockchain sector, is pleased to provide the following corporate update.Finzat Block LLC ("Finzat"), a Block One Capital fin-tech portfolio company, has formed a strategic partnership with Thomas Ho Company Ltd. ("THC"), to provide the first-ever loan transaction capabilities built on blockchain technologies. THC is a New York based nationally recognized leader in asset-liability management and whole loan trading. read more


THC Product News

Manage Your Balance Sheet with THC Rate Sheet and Variance Analysis

THC Network's interactive and dynamic rate sheet allows users to revise asset and liability reinvestment assumptions as frequently as offer rates to customers are updated. Leverage THC's propriety models to determine your risk adjusted margin, based upon the current offer rate. Determine which product lines produce the most profit after considering funding cost, option spread and credit spread.

Tired of producing manual monthly financial reports? THC offers our clients seamless variance analysis reports. Create your budget (strategy), import your historical trial balances, and generate monthly financial reporting with ease.


Partnership

THC NetworkTM Partnership Program

THC is committed to providing banks and credit unions with the best in class asset/liability management (ALM) analytics to enhance performance. Furthermore, THC NetworkTM partnerships offer our clients access to solutions including core processing, CALL reporting, strategic consulting, ALM consulting, loan transactions, CD funding, liquidity back stop, and financial block chain technologies. Our Network Partners share the same analytical platform and the common goal of serving community banks and credit unions. For further information, please contact Lindsay Elizondo, VP at lindsay.elizondo@thomasho.com.


CECL Model

THC White Paper: Current Expected Credit Loss (CECL): THC Model

CECL will affect multiple processes within a depository institution; the Allowance for Credit Loss (ACL) calculation will no longer be confined to the accounting department. The new standard will have a significant impact on an institution's loan origination and ALM profitability and risk management. The new Allowance for Credit Loss (ACL) will follow a principle-based accounting standard, rather than rule-based standard. Both the principles of present value of life-of-loan (akin to level II Fair Value Accounting) and the consistency with other regulatory financial reports will require CECL to be implemented within both accounting and safety-and-soundness regulatory guidelines.

For more information, please contact Jeff Kinney at  jeffrey.kinney@thomasho.com.


New Appointment

Lindsay Elizondo promoted to the position of Vice President

Lindsay joined THC one year ago as the Director of Client Services. She has received many praises from our clients for her dedication and knowledge of subject matter. In a short period of 12 months, she has spearheaded enhancing our core product, THC NetworkTM, built a team to support our clients comprehensively, established multiple THC Partners, and assisted me in many strategic decisions. She possesses outstanding leadership and team spirit, while maintaining a personable disposition.

Lindsay, as VP of THC, has a broad range of responsibilities. She will be in charge of the Operations, HR, Client Services and Marketing/Sales of THC.


OCC Office of Innovation

THC to discuss Liquidity and Operational Efficiency Innovations

In conjunction with our partner, Finzat, THC is bringing liquidity and operational efficiency to the loan market to serve community bankers. THC's Loan Central is a loan transactional network with integrated ALM analytics. Members can buy, sell, or participate whole loans fully supported with block chain technology.


NCUA Conference

Dr. Thomas Ho, founder and President of THC, invited as presenter

Dr. Ho will be presenting at the NCUA regional Capital Market Specialist Conference: Beyond Interest Rate Risk into Liquidity Risk. Understand the importance of coherence between liquidity and interest rate risk measures in monitoring safety and soundness of CUs. Extend interest rate risk modeling to liquidity risk measures. Discuss Liquidity Reports. Static reports: liquidity gap report and static ratios. Dynamic reports: Uses and Sources of Funds and Contingency Funding Plan. Use of the reports from the regulatory perspective: practical implications.


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