Jeff For Banks

NOVEMBER 3, 2023

Financial Markets & Economic Update - Fourth Quarter 2023 Summer Update On this warm October day, I am staring at my Bloomberg screen, still heartbroken over the Phillies Phailure. Unsurprisingly, the largest declines occurred starting monthly in March, 2006 and on a y-o-y basis in September, 2006 and continued to November, 2009.

Marketing 85

Marketing Community Bank Policies Community 85

Jeff For Banks

AUGUST 12, 2018

annually since 2009, while the record expansion of the 1990s saw growth of 3.6%. There are some signs of slowing in the housing markets; both existing and new home sales in June fell amidst rising mortgage rates and fewer gains in home prices. One of the causes of low growth since 2009 is uncovered! The economy has grown 2.2%

Marketing 60

Marketing Philadelphia Omaha US 60

FICO

JUNE 14, 2018

Just as millions of Americans check their FICO Scores to see how their credit is doing, FICO and the National Bureau of Credit Histories (NBKI), Russia’s leading credit bureau, keep tabs on the health of Russian consumers. The base was set at 100 in July 2009, and it climbed until the end of October 2011.

Risk Management 40

Risk Management Cards Maine Management 40

FICO

FEBRUARY 25, 2019

After a 2018 that had its highs and lows, what might 2019 have in store from a credit risk management standpoint? Speaking of emerging pressures, will 2019 be the year that the streak of 8+ consecutive years of increases in the average national FICO® Score comes to an end? Average FICO Score — Has It Peaked?

Trends 63

Trends Fraud Data National 63

Jeff For Banks

MAY 20, 2017

They need a marketing person to title their reports. To summarize, banking institutions exceeding the concentration levels should have in place enhanced credit risk controls, including stress testing of CRE, and may be subject to further supervisory analysis. Risk mitigants tend to lag growth, especially fast growth.

Lending 60

Lending Regulation Community Community Bank 60

Jeff For Banks

JANUARY 18, 2014

To put that GDP growth into perspective, consider that, in the three years following the recovery which began in June, 2009, real GDP averaged +2.2%. She will continue your zero rate policy and will “taper” your QE 3 program, because the markets have already dismissed its impact and tightened long term rates despite your wishes.

Philadelphia 83

Philadelphia Policies US Marketing 83

Jeff For Banks

OCTOBER 21, 2010

What are the Markets Thinking? Bond markets have been the big winners in the third quarter. Rates have fallen to incredible lows; Pimco, a large money manager, has referred to them as “Eisenhower” lows because they were prevalent in the 1950s. As the outlook improves, these companies will seek higher returns through investments.

Taxes 60

Taxes Marketing Capital Policies 60