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Stress testing revisited to avert risk and improve risk ratings

Abrigo

Avert Risk The OCC’s October 2012 Supervisory Guidance notes that financial institutions that perform stress testing “have the ability to minimize the impact of negative market developments more effectively” than those that do not have a stress testing process in place.

Columbus 150
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Banks Keep SMB Lending Gains Rolling

PYMNTS

Regional and community banks also saw their small business loan approval rates increase, with small banks approving 49.8 alternative small business finance market in an effort to explore borrower protections. percent approval rating in March of 2012, Biz2Credit noted. Lawmakers are currently probing the U.S.

Lending 102
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Guest Post: Financial Markets & Economics Update by banker Dorothy Jaworski

Jeff For Banks

The markets are taking it all in stride, rallying strongly for most of this week and they seem more grateful for the prospect of a divided Congress, i.e, The markets believe the chance of tax hikes, repeals of tax cuts, and gigantic initiatives are greatly diminished. The housing market is robust across the nation. respectively.

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Effective Loan Pricing – Why It’s Imperative Now More than Ever

Abrigo

For example, no matter what anybody said about rates and the economy in 2015, it was still incredibly cheap to borrow money, whether from depositors or from wholesale markets. In retail deposit markets this shows up in the form of short-term CD rates being almost as high as long-term CD rates. In practice, this never happens.

Lending 150
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Bankers: Is your strategy the same as your competitor?

Jeff For Banks

The Bank offers a wide range of deposit services including demand deposits, regular savings accounts, money market accounts, individual retirement accounts, and certificates of deposit with fixed rates and a range of maturity options. We believe we can effectively compete as a community bank in our market area and the niche markets we serve.

Strategy 100
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Bitcoin And Dented Radishes: This Week’s Hype Penalty Box Nominees

PYMNTS

Misfits Market , Imperfect Produce and Hungry Harvest all offer variations on the “ugly food in a box” motif, offering up elegant solutions to food waste. Restaurants, processed food makers and canners are all markets into which these excess and unsightly foods can flow into, and often do. Bitcoin Profitability Problem for Miners.

Bitcoin 144
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Dynamic Duo

Independent Banker

From opposite political directions, Senators Shelby and Brown stand on point to greatly influence community banking’s agenda in the next Congress. The mix of contrasts and similarities of Shelby’s and Brown’s perspectives and policymaking portend an active session for community banking’s agenda in the new 114th Congress. By Ed Avis.