South State Correspondent
OCTOBER 10, 2022
FTP was introduced to banks in the early 1980s to help manage interest rate risk on a transactional basis. FTP gained further focus after the 2007 financial crisis when financial firms failed partly because of the lack of funds transfer pricing application and rigor. Simple Funds Transfer Pricing Example. Conclusion.
South State Correspondent
APRIL 10, 2023
CRE Risk Background While ten years ago, community and regional banks use to make up some 55% of the CRE market, in 2023, these banks now compose approximately 72% (below). The risk here is that community banks continue to take on an above-average amount of CRE credit exposure.
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South State Correspondent
MAY 9, 2022
In our previous article ( HERE ), we reviewed the banking industry’s cost of funding earning assets (COF), and we compared how community banks’ COF behaves relative to national banks in a rising interest rate cycle. How to Apply to Your Bank. Influences on Deposit Beta.
South State Correspondent
AUGUST 22, 2023
The opportunity for the product is that for an average community bank, 83% of their commercial, non-profit, and municipal customers are NOT using treasury management services. This likely creates the most significant single profitability lift for any bank. Unfortunately, most banks have not adjusted their pricing in years.
American Banker
FEBRUARY 26, 2016
billion full-year loss – it hasn't posted a full-year profit since 2007. The company reported a £2.74 billion ($3.83 billion) during the fourth quarter of 2015, compared with a loss of £5.79 billion ($8.1 billion) the year before. RBS also posted a roughly $2.77
Jeff For Banks
APRIL 25, 2014
In 2013 there were 246 bank and thrift merger and acquisition deals announced, the highest number since 2007 when there were 318 deals. This all comes with fewer banks than there were in 2007. Year to date through April 22nd, there were 73 announced deals, putting us on track for a similar number of deals to last year.
Independent Banker
FEBRUARY 25, 2015
Coping just fine, community banks in energy-producing regions manage the oil-price plunge. Yet community bankers serving the oil industry say they’ve been expecting a drop in the notoriously cyclical price of crude. Pat Hickman, chairman and CEO of Happy State Bank, a $2.6 New energy regions adapt.
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