What Is a Shared Equity Mortgage? A shared equity mortgage is an arrangement under which a lender and a borrower share ownership of a property. The borrower must occupy the property. When the property sells, the allocation of equity goes to each part, according to their equity contribution. Each party also shares any losses accrued
What Are Shared Equity Finance Agreements? A shared equity finance agreement is a specific type of real estate purchase agreement in which a shared-equity partnership of two or more parties buys a residence together. Sometimes, such an agreement will instead specify that a lender and a borrower share in the ownership of a property, where
What Is the Shared National Credit Program? The Board of Governors of the U.S. Federal Reserve System, the Federal Deposit Insurance Corporation (FDIC), and the Office of the Comptroller of the Currency (OCC) formed the shared national credit program in 1977 to provide an efficient and consistent review and classification of large syndicated loans. A
What Is a Share-Draft Account? A share-draft account is a version of a checking account, except it is offered by a credit union instead of a bank. In order to understand what a share-draft account is, it is first important to know the difference between a bank and a credit union. Banks are businesses that
What Is a Shareholder? A shareholder is a person, company, or institution that owns at least one share of a company’s stock or in a mutual fund. Shareholders essentially own the company, which comes with certain rights and responsibilities. This type of ownership allows them to reap the benefits of a business’s success. These rewards
What Is a Shareholder Activist? A shareholder activist is a person who attempts to use their rights as a shareholder of a publicly-traded corporation to bring about change within or for the corporation. Key Takeaways Shareholder activists are shareholders of companies who bring about change within or for a corporation.These changes span a vast range, from
What Is Shareholder Equity (SE)? The term shareholder equity (SE) refers to a company’s net worth or the total dollar amount that would be returned to its shareholders if the company is liquidated after all debts are paid off. As such, SE is the owners’ residual claim on assets after all debts are satisfied. Shareholder
A shareholder services agent is typically a third-party entity that partners with a publicly traded corporation or mutual fund to provide for the ongoing needs of the shareholders. Shareholder services agents are responsible for investor record-keeping, communications, and some other administrative responsibilities. They also attend to shareholders’ problems or concerns. Breaking Down Shareholder Services Agent Shareholder
What Is Shareholder Value? Shareholder value is the value delivered to the equity owners of a corporation due to management’s ability to increase sales, earnings, and free cash flow, which leads to an increase in dividends and capital gains for the shareholders. A company’s shareholder value depends on strategic decisions made by its board of directors
What Is Share Of Wallet (SOW)? Share of wallet (SOW) is the dollar amount an average customer regularly devotes to a particular brand rather than to competing brands in the same product category. Companies try to maximize an existing customer’s share of wallet by introducing multiple products and services to generate as much revenue as possible
