The Financial Brand

MARCH 4, 2024

This article How Capital One’s Bid for Discover Could Shift Payments Competitive Balance appeared first on The Financial Brand. If Capital One successfully picks up Discover's payments network, the result will be a major realignment of the payments space.

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South State Correspondent

MARCH 19, 2024

In two previous articles ( here and here ) we discussed how loan size and loan term affect the profitability of commercial loans. In this article, we consider the common features of upselling and cross-selling. In this article, we consider the common features of upselling and cross-selling.

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Chris Skinner

FEBRUARY 15, 2019

I spotted an article by Linus Beliunas on LinkedIn this week, and liked it so much that wanted to share. Over a course of 12 months, Venture Capital-backed FinTech deals and funding set an annual … The post 39 FinTech Unicorns Valued at $147.37 39 FinTech Unicorns Valued at $147.37 billion 2018 was a phenomenal year for FinTech.

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Abrigo

JULY 28, 2015

This article includes an overview of capital expenditure (CapEx) and operating expenditure (OpEx) as well as considerations for how best to utilize these numbers in valuation engagements. The cost of the capital items is first recorded on the company’s balance sheet as assets. Accounting standards in the U.S.

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The Financial Brand

OCTOBER 15, 2023

This article Fintechs, Walmart and Crypto: A Venture Capital Firm’s Take appeared first on The Financial Brand. Ribbit Capital partner Nick Huber talks about finding the next big thing in fintech. This article Fintechs, Walmart and Crypto: A Venture Capital Firm’s Take appeared first on The Financial Brand.

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Abrigo

JANUARY 19, 2015

The Recession and its subsequent rate of bank failures underscore the need for banks of all sizes to invest in developing a capital plan. The Recession taught many institutions that whatever processes had been in place for managing capital were not sufficient. The result was insufficient capital. Forward-looking review 4.

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TrustBank

FEBRUARY 22, 2021

Therefore, our capital market assumptions are based on expectations for average returns over the next 10 years. The views or opinions in this article are those of the author and do not necessarily represent the views of Washington Trust Bank or senior management. So, we think making investment decisions on those guesses is a mistake.

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Abrigo

NOVEMBER 4, 2015

Last month, the National Credit Union Administration (NCUA) approved the long-awaited final rule on risk-based capital requirements for credit unions. The Federal Credit Union Act requires NCUA to update its risk-based capital standards to be comparable with the federal banking agencies,” Matz added.

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South State Correspondent

JULY 25, 2020

In this article, we take a quick look at national CRE industrial sector economics and explain why banks may want to consider reallocating more capital to this area. . As such, weekly leasing activity jumped back to pre-Covid-19 levels after hitting a low in mid-April.

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The Financial Brand

OCTOBER 3, 2023

This article Where Ribbit Capital Sees Fintech Opportunities appeared first on The Financial Brand. Fintech funding is still slow, but a major venture capital firm sees growth opportunities, including in commercial payments and generative AI.

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South State Correspondent

JANUARY 17, 2024

In our last article ( HERE ), we highlighted the methodology around why banks should calculate and drive value through customer profitability and product profitability. We focused mainly on customer profitability and used risk-adjusted return on capital as a proxy for profitability. increase in M/B.

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Perficient

JUNE 30, 2022

Members of Perficient’s Digital Asset Team have advised followers in multiple online articles about the digital asset revolution and relevant regulations affecting the same in the United States. In 2022, FTX broke ground on its new headquarters in Nassau, the country’s capital. Crypto Conference.

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The Financial Brand

AUGUST 24, 2023

This article How Proposed Capital Rules Could Hit Credit Cards, Mortgages and More appeared first on The Financial Brand. This article How Proposed Capital Rules Could Hit Credit Cards, Mortgages and More appeared first on The Financial Brand.

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South State Correspondent

JUNE 17, 2019

CRE UNDERWRITING Recent data, just released from Real Capital Analytics, shows that since the start of the year (month-end April), commercial real estate (CRE) has appreciated 2.6% In this article, we take a look at the details to help banks better manage their pricing and risk.

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Bobsguide

NOVEMBER 6, 2018

This article was originally published on our sister site Global Treasurer. The Working Capital Summit, held jointly in San Francisco and Chicago in October, was a game-changer for the industry in more ways than one. As Taulia’s Matthew Stammers explains, “In Europe, there are.

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South State Correspondent

MAY 20, 2019

More Accurate CRE Underwriting Whenever your bank is looking at underwriting commercial real estate (CRE), you are probably looking at a variety of macro factors such as rent and occupancy trends, absorption, and capitalization rates.

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PYMNTS

AUGUST 4, 2017

Financial analysts are fairly optimistic about Europe , but the latest Europe Working Capital Survey released by REL Consultancy, part of the Hackett Group, found the EU’s top 1,000 nonfinancial companies saw their cash conversion cycles slip as they hold onto more net working capital. The data, released Thursday (Aug. In the U.S.,

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Chris Skinner

SEPTEMBER 3, 2018

I was reading The Guardian’s John Quiggin’s article yesterday, about banking being geared towards the 1% and a major crash being needed to fix it.

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Insights on Business

MARCH 12, 2019

review of the capital requirements for market risk regulations, namely the Fundamental Review of the Trading Book (FRTB). It becomes effective in 2022, but banks should now, more than ever, implement the proposed changes in order to meet the deadline for reporting their Pillar I capital under the new methodologies.

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South State Correspondent

JUNE 30, 2023

The Issue with Relationship Pricing and Profitability The US banking industry has been unable to consistently earn a return on capital equal to its average cost (approximately 11% over the last few decades). Banks can then calculate SVA by subtracting their cost of capital from net operating profit after tax for each client.

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South State Correspondent

MARCH 28, 2023

In a recent article ( here ), we discussed why banks that take risks to earn higher revenue demonstrate lower performance as measured by ROA. While in that blog, we specifically considered the risk-return tradeoff for credit risk; in a future article, we’ll consider interest rate risk.

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South State Correspondent

OCTOBER 4, 2023

In an article last week ( Here ), we discussed how the higher-for-longer interest rate environment will affect the community bank sector. Profitability Reality at Community Banks In a recent article ( Here ), we used CAPM (capital asset pricing model) to calculate community banks’ cost of capital – which we conclude is now 12.50%.

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The Financial Brand

APRIL 27, 2023

This article To Capitalize on Home Equity Opportunity, Go Beyond Credit Scores appeared first on The Financial Brand. This article To Capitalize on Home Equity Opportunity, Go Beyond Credit Scores appeared first on The Financial Brand. Credit score ‘inflation’ has made some people seem like better risks than they are.

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South State Correspondent

OCTOBER 17, 2022

In a previous article ( HERE ), we discussed the concept of Funds Transfer Pricing (FTP), why systemically important banks and large regional banks incorporate FTP, and why community banks should also consider implementing FTP. In this article, we look at using FTP attribution to better understand lending profitability.

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South State Correspondent

JUNE 28, 2020

In this article, we look at several basic capital market precepts that the average investment officer lives with every day but lenders may not notice. . With a low and flat yield curve, generating profits through investments has become more challenging.

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South State Correspondent

AUGUST 21, 2023

The three risks are: 1) rising funding costs to erode profitability, 2) reduced capital at small banks compared to larger banks, and 3) elevated commercial real estate (CRE) credit risks. Reduced Capital for Community Banks This is the more nuanced analysis in Moody’s banking sector analysis, but one that requires understanding.

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Perficient

MARCH 30, 2023

The front office is screaming down to the Settlement Office, “Operations, we need more capital!” Blockchain technology can be a solution to the batch processing issue that plagues trading desks having to wait on settlement confirmation; before having capital/securities available for trading. I’m giving it all we’ve got.

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PYMNTS

OCTOBER 12, 2020

N26 “has been in contact with potential advisers for the fundraising, though discussions are at an early stage and no final decisions have been made, the people said, asking not to be identified because the deliberations are private," Bloomberg's article states. "A Venture capital investment in Europe’s FinTech industry has surpassed $35.4

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South State Correspondent

NOVEMBER 8, 2022

Almost every bank has some form of “human capital management” in its top three challenges for the coming years. This article looks at the fantastic opportunity in talent acquisition that is right in front of banks. Talent abounds, and fintech’s loss can be your bank’s gain.

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South State Correspondent

FEBRUARY 27, 2024

In this article, we would like to define loan pricing discipline and cover bid, why it matters, and demonstrate how most community banks currently are not using loan pricing discipline. Here, banks calculate their cost of capital, funding costs, and all direct and indirect costs and add a margin to determine the price.

How To 195

How To Community Bank Community Management 195

Chris Skinner

FEBRUARY 15, 2019

I spotted an article by Linus Beliunas on LinkedIn this week, and liked it so much that wanted to share. Over a course of 12 months, Venture Capital-backed FinTech deals and funding set an annual … The post 39 FinTech Unicorns Valued at $147.37 39 FinTech Unicorns Valued at $147.37 billion 2018 was a phenomenal year for FinTech.

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Abrigo

DECEMBER 22, 2023

Takeaway 3 Articles specific to small community banks were among the most-read blogs, with best practices for construction lending at the top of the list. Articles on creating a sound credit risk rating system and preparing for the possibility of new requirements such as the CFPB ruling were among the most-viewed throughout the year.

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Abrigo

JUNE 5, 2023

Banking reports to inform risk management and strategy These reports on capital, growth, and liquidity help financial institutions spot warning signs. Takeaway 2 Reports that assess capital, growth, and liquidity provide banking professionals data to drive decisions. Regulators review them to assess safety and soundness.

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South State Correspondent

MARCH 19, 2023

In this article, we’ll consider the risk-return tradeoff for bank credit risk, and in a future article, we will compare different community bank business models. If your competition is underpricing credit risk, the borrower is more than willing to take that capital, and your only choice is to lose that loan.

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South State Correspondent

MARCH 14, 2024

In this article, we want to go deeper to show how by increasing your planning horizon, you can increase your long-term performance. Strategic Horizon and Capital As mentioned, the problem that bank’s often run into when it comes to strategic planning is their time horizon is too short. We were inundated with questions and opinions.

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South State Correspondent

MAY 23, 2023

In this article, we look at what is happening at the state level, look at 30 common industries where credit risk is rising, and 30 industries where credit risk is the lowest. This data is critical for pricing, capital allocation, and marketing. Getting more granular in credit risk means a more efficient allocation of capital.

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Abrigo

JANUARY 11, 2022

This article kicks off a series intended to highlight how ALM can help financial institutions get the most profitability out of their balance sheets while managing their risk profiles. This initial ALM 101 article is intended for the ALM rookie who wants to understand ALM basics: the process and its usefulness. keep me informed.

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