Credit markets

Credit markets and the banking industry overlapped in the column’s rubrication, and the same reading of Bank of America’s 10-K is filed under both. The distinction the author drew was between an institution and the instruments it issues: the filing was used to show what a balance sheet admits about the quality of its own loan book before any analyst note interprets it.

Interest, deposits and the arithmetic of a loan are the subject of the portal’s banks and credit section, which covers how a card issuer computes an average daily balance, how a promotional rate ends and what a published deposit schedule actually promises. Those are new materials, written for the portal and signed by the newsroom. What is listed on this page belongs to the earlier column and keeps its original address, byline and date.

Anyone following the thread from here has two directions to take. One is the filing itself, which is public, dated and open to being read against the piece. The other is the portal’s current work on the arithmetic a lender publishes, where the documents are rate schedules and billing-cycle definitions rather than annual reports. The index below is the column’s own, in the order it published, and no entry has been moved to a different heading to make the list look tidier.