Article, Capital, Management and Operations

Go Where No Operations Department Has Gone Before – Instant Settlement

Perficient

MARCH 30, 2023

The front office is screaming down to the Settlement Office, “Operations, we need more capital!” Any operations team that has dealt with a stock loan trading desk can contest the inherent friction between providing more available securities to the desk and reliance on settlement cycles and market constraints.

Operations

Operations blockchain Capital Security

Model Risk Management: Regulatory Priorities and Best Practices

Abrigo

MAY 20, 2022

Meet Model Risk Management Expectations Updates to the FDIC Risk Management Manual should steer institutions toward a model that manages risk and drives growth. Would you like other articles like this in your inbox? Model Risk Management in the spotlight. FDIC Update.

Risk Management

Risk Management Management FDIC Meeting

ALM 101: Introduction to Asset/Liability Management – Part 1: ALM Goals & Approaches

Abrigo

JANUARY 11, 2022

Asset/liability management basics In part 1 of this "Introduction to ALM" blog series, learn the goals of asset/liability management and how it can help financial institutions. Takeaway 1 ALM in banking means managing the cash flows of assets and liabilities to increase profitability, manage risk, and maintain safety and soundness. .

Management

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Bank Value: Here is a Better Way to Calculate and Manage

South State Correspondent

JANUARY 10, 2024

This article examines why the standard way to value a bank is flawed and how to have a better methodology. Banks often don’t know who their most profitable customers are, and if they do, they ignore the basics of targeting those customers and prospects with marketing, sales, and product management.

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3 Risks Asset/Liability Management (ALM) Addresses

Abrigo

JUNE 7, 2021

Risks ALM Addresses Will Affect Performance and Strategy Asset/liability management models and processes address credit risk, liquidity risk, and interest rate risk. . Would you like other articles on ALM in your inbox? Good asset/liability management, he says, “is knowing how much risk do we take.” recovery to date.

Management

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Bank Product Profitability and Productivity

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. The answer is – most likely.

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Managing Stagflation Credit Risk in Banking – Part III

South State Correspondent

JULY 5, 2022

In this article, we analyze why 75% LTV may not protect banks from credit risk on commercial loans and why there is only one source of loan repayment. . Many bankers responded that their loan-to-values (LTVs) are low and expect that the secondary source of repayment will protect the bank’s capital. Background.

Management

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ALM 101: Introduction to Asset/Liability Management-Part 4: Liquidity Risk

Abrigo

APRIL 15, 2022

ALM & Measuring Liquidity Risk at Banks and Credit Unions Regulatory agencies expect financial institutions to manage liquidity risk using processes and systems commensurate with the complexity, risk profile, and scope of operations. Would you like other articles like this in your inbox? Defining Liquidity.

Management

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Effective model risk management and model validation in banking

Abrigo

AUGUST 1, 2022

Best practices for assessing models and managing risk Sound model development, implementation, use, and validation is especially important as CECL models debut. . Would you like other articles like this in your inbox? What are model risk management and model validation? Model governance overview. Federal guidance.

Risk Management

Risk Management Management Regulation Analysis

The top lending & credit risk blogs of the year

Abrigo

DECEMBER 22, 2023

Takeaway 2 The top lending and credit blog posts focused on the benefits of banking technology, interest rate management, and developing risk ratings. 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.

Lending

Lending Risk Management Community Management

Solve This Problem with Your Strategic Horizon

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. This all compares to about a 40%+ return invested in improving processes (loan, branch, cash management, etc.) Bank management should, of course, strive to increase cash flow as soon as possible.

Innovation

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The role of bank directors in managing risk

Abrigo

APRIL 12, 2016

The FDIC is offering a fresh take on how a bank’s board of directors should understand and manage risk. Prudent oversight is rooted in the directors sending a clear message to staff that they value a strong risk management culture that includes a strong ethical culture,” the FDIC said. Evaluating risk management.

Management

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10 Reports every bank and credit union should run NOW

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. They help manage and shape strategy in volatile economic and industry conditions. the Community Bank Leverage Ratio (CBLR) and the minimum Tier 1 leverage ratio).

Report

Report Risk Management Capital Data

How To Assign FTP Attribution to a Loan

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.

How To

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What Relationship Pricing Means for Bank Performance

South State Correspondent

JUNE 30, 2023

There are several ways for bank managers to address this issue and better align relationship pricing with bank profitability. 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).

Resources

Resources Community Bank Capital Community

Bank Credit Risk: A Risk-Return Analysis

South State Correspondent

MARCH 19, 2023

While every bank will take some level of credit, interest rate, liquidity, and operational risk, the question is this: Are banks in the business of taking risk to earn higher revenue, or are banks managing relationships and should avoid risk (and the higher return) when possible? The markets (i.e.,

Analysis

Analysis Community Bank Operations Community

Amidst a Global Crisis, Cloud Technology Trends for 2021 Emerge

Perficient

DECEMBER 14, 2020

Crisis response, maintaining safe and operational working conditions, mitigating supply chain disruptions, maintaining liquidity, and deftly responding to shifts in the market have emerged as key focus areas for all businesses. If your organization is looking to capitalize on cloud technology in 2021, here are a few trends to keep in mind.

Technology

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The top 10 2022 ALM resources for financial institutions

Abrigo

DECEMBER 23, 2022

Blog posts to help your asset/liability management (ALM) staff strategize for the future These ALM posts were the most popular in 2022. Would you like other articles like this in your inbox? Th e article is intended for the ALM rookie who wants to understand ALM basics: the process and its usefulness. For rookies and experts.

Resources

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Capital optimization for desk restructuring under FRTB

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.

Capital

Capital Regulation Strategy Operations

How Your Bank Business Model Impacts Performance

South State Correspondent

NOVEMBER 14, 2023

In this article, we look at two very similar institutions, but ones with different bank business models, and show how their model impacts performance. Statistically, which bank business model gives managers the best chance to achieve their goals? The question is, how much will it pay off? The question is, which model is better?

Strategy

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FTP – Another Bank Failure and Another Learning Opportunity

South State Correspondent

MAY 3, 2023

Last week, we published an article [ here ] discussing how fair value accounting for assets and liabilities may have prevented the failure of Silicon Valley Bank, even if sound risk mitigation practices were not resolutely embraced by management. At its basic premise, FTP distributes banking profit between lending and deposits.

Lending

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FTP – Another Bank Failure and Another Learning Opportunity

South State Correspondent

MAY 2, 2023

Last week, we published an article [ here ] discussing how fair value accounting for assets and liabilities may have prevented the failure of Silicon Valley Bank, even if sound risk mitigation practices were not resolutely embraced by management. At its basic premise, FTP distributes banking profit between lending and deposits.

Lending

Lending Capital Management Tools

FTP – Another Bank Failure and Another Learning Opportunity

South State Correspondent

MAY 2, 2023

Last week, we published an article [ here ] discussing how fair value accounting for assets and liabilities may have prevented the failure of Silicon Valley Bank, even if sound risk mitigation practices were not resolutely embraced by management. At its basic premise, FTP distributes banking profit between lending and deposits.

Lending

Lending Capital Management Tools

Office Depot Turns To B2B, eCommerce To Boost Revenues

PYMNTS

FEBRUARY 27, 2020

CompuCom sells IT services to small and mid-sized businesses (SMB), and helps them procure, install and manage the hardware and software. . The Business Solutions Division and CompuCom account for about 60 percent of Office Depot’s total sales, the article said. “In In Q4, Office Depot said, capital expenditures totaled $27 million.

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Regtech in banking: How emerging technology helps keep banks compliant

Abrigo

JULY 27, 2023

Would you like other articles on fraud and AML/CFT compliance in your inbox? Regtech is simply the use of technology such as AI, machine learning, natural language processing, and blockchain to improve the way businesses manage regulatory compliance.

Technology

Technology Fraud Compliance Regulation

Regtech in banking: How emerging technology helps keep banks compliant

Abrigo

JULY 27, 2023

Would you like other articles on fraud and AML/CFT compliance in your inbox? Regtech is simply the use of technology such as AI, machine learning, natural language processing, and blockchain to improve the way businesses manage regulatory compliance.

Technology

Technology Fraud Compliance Regulation

How To Do Better Against National Bank Lending Competition

South State Correspondent

FEBRUARY 20, 2023

Notable Tactical Differences in Lending Competition Many of the largest banks in the country consider themselves technology companies that manage and measure profitability and maintain relationships. Debt yield is an essential underwriting criterion in a low or declining capitalization environment.

National

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Risk of Derivatives – The Fall of an Index

South State Correspondent

JANUARY 16, 2024

Barings Bank, Orange County (CA), Enron, Long-Term Capital Management, and other entities misused derivatives or didn’t understand the difference between hedging and speculating. Unfortunately, some banks adopted BSBY as one of their preferred indexes and in doing so created risk in derivatives and operations.

Community Bank

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Loan-pricing models: What to consider for loan origination software

Abrigo

AUGUST 28, 2022

Would you like other articles like this in your inbox? One overall benefit of effective loan pricing is that it is one of the many ways a financial institution can optimize capital. Management must ensure that an appropriate pricing structure is established and implemented for each type of loan product offered,” Adams wrote.

Software

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What The Next Industrial Revolution Means For Money Management

PYMNTS

MAY 10, 2016

“We stand on the brink of a technological revolution that will fundamentally alter the way we live, work and relate to one another,” wrote World Economic Forum Founder and Executive Chairman Klaus Schwab in an article published last January. Siemens refers to this emerging strategy of the CFO as intelligent financial management.

Industry

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Developing loan reviewer training: What personnel need for success

Abrigo

MAY 19, 2023

Introduction A few good men and women In previous articles, we have explored the objectives of a loan review and credit risk review system in general. Loan review management needs to scale back its expectations of pre-existing skills for new recruits and to take on more responsibility for training its own.

Training

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Why now is the time to update your bank’s corporate governance

Independent Banker

APRIL 30, 2022

During the pandemic, many community banks needed to change how they operated. For this and other reasons, now is a good time to review and refresh articles, bylaws and committee charters to ensure resilience and bolster risk management. But if they see it as a risk management tool, it’s a game changer. By Susan Springer.

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How To Improve Uninsured Deposit Performance

South State Correspondent

APRIL 19, 2023

In this article, we will look at deposit performance data related to high balances and show how banks can dramatically increase value by restructuring relationship-based products and better-allocating marketing/sales dollars more efficiently. Add other components, and retention shoots up even further. This will be on April 26 th at 4 pm ET.

How To

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5 Actionable Insights From 2Q 2022 Bank Earnings

South State Correspondent

AUGUST 8, 2022

With 100+ public banks reporting, we have more than a representative sample to see 2Q 2022 bank earnings trends and derive some operational insights on bank performance. In this article, we put some data behind the trends and provide optimal targets to help you run your bank more successfully. Insights Based on 2Q Bank Earnings.

Trends

Trends Community Bank Community Retail

Coronavirus Puts B2B Payment Timing In A Tailspin

PYMNTS

JANUARY 11, 2021

2/7 Net 14 is a favorable payment strategy for B2B supplier struggling with late payments , according to accounts receivable (AR) management solution provider Collect911. With many businesses lacking the capital to pay their outstanding invoices, "cash-strapped companies will have to switch up their collections playbook to survive," he said.

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Surprise Outcomes Edition: Cybercrime, Student Loans And CAN Capital

PYMNTS

DECEMBER 5, 2016

The experts estimate that the United States government spent millions trying to enforce it and deprived the states of billions in tax revenue — all without managing to make any significant change in American alcohol consumption. Said researcher got interested after seeing a news article on the SFMTA hack.

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10 Lessons From The Small Business Banking Conference

South State Correspondent

DECEMBER 8, 2023

In two days, you can hear from Chase, US Bank, Capital One, BMO, M&T, PNC, Citizens, Truist, Huntington, and more, a feat that can only be done at a conference of this caliber. Many banks were looking to install more automation to lower operating costs. We sat through almost every presentation and took pages of notes.

Conference

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Key Components of a Strong Sanctions Compliance Program

Abrigo

JUNE 14, 2021

Would you like others articles like this in your inbox? Management commitment As with any compliance program, one of the most important aspects of a strong SCP is a “culture of compliance,” from the top, to the middle, to the front line. Takeaway 1 OFAC has issued new guidance on the essential components of a strong compliance program.

Compliance

Compliance Training Resources Policies

How can bank boards respond to increased regulatory scrutiny?

Abrigo

APRIL 1, 2015

A recent Wall Street Journal article by Victoria McGrane and Jon Hilsenrath highlighted how the nation’s regulators are increasingly questioning and turning their focus toward bank boards. Lynn McKenzie and Edmund Green of KMPG recently contributed an article to Bank Director on how boards can challenge their banks’ management on risk.

Risk Management

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As The IoT Grows, Can It Overcome Security Problems?

PYMNTS

FEBRUARY 28, 2019

Zededa , a California-based tech firm that provides IoT device management software, said this week (Feb. It was led by “Energize Ventures and Lux Capital, each of whom invests heavily in companies, fundamentally advancing how society implements and utilizes advances in technology,” Zededa said in a statement. “The

Security

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Alternative Finance’s Popularity Won’t Break With Investors

PYMNTS

OCTOBER 6, 2017

5), Alenka Grealish, senior analyst at Celent, penned an article for American Banker with a prediction: The small business (SMB) credit space is headed for a “shake-up.” In this week’s B2B venture capital breakdown, alternative lending for small- and medium-sized businesses (and their employees) is the clear winner. On Thursday (Oct.

Lending

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For Financial Institutions, Is There Such A Thing As Too Much Capital? Yes. Yes There Is.

Jeff For Banks

JULY 28, 2018

One of the investors' opening remarks was about banks that were over-capitalized. But there were enough open jaw gapes to see that many bankers share the regulatory belief that there is no such thing as too much capital. But, as Derek pointed out, it is a highly effective use of excess capital when the bank believes it is undervalued.

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5 Reasons to Increase SBA Loan Origination at Your Bank or Credit Union

Abrigo

JULY 20, 2021

Want other articles like this on SBA loan origination in your inbox? During Abrigo’s recent ThinkBIG Conference, credit underwriting and loan portfolio risk management trainer and consultant Michael Wear , CRC , of 39 Acres Corp. Looking to Increase SBA Loan Origination? We know 2020 stunk,” he said. “As

Lending

Lending FDIC Capital Risk Management

5 Reasons to Increase SBA Lending at Your Bank or Credit Union

Abrigo

JULY 20, 2021

Would you like others articles like this in your inbox? During Abrigo’s recent ThinkBIG Conference, credit underwriting and loan portfolio risk management trainer and consultant Michael Wear , CRC , of 39 Acres Corp. Looking to Increase Loans through the SBA? said now is the time for lenders to “triage” their portfolios. “We

Lending

Lending FDIC Capital Risk Management

Go Where No Operations Department Has Gone Before – Instant Settlement

Model Risk Management: Regulatory Priorities and Best Practices

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Trending Sources

ALM 101: Introduction to Asset/Liability Management – Part 1: ALM Goals & Approaches

Webinars

Bank Value: Here is a Better Way to Calculate and Manage

3 Risks Asset/Liability Management (ALM) Addresses

Bank Product Profitability and Productivity

Managing Stagflation Credit Risk in Banking – Part III

ALM 101: Introduction to Asset/Liability Management-Part 4: Liquidity Risk

Effective model risk management and model validation in banking

The top lending & credit risk blogs of the year

Solve This Problem with Your Strategic Horizon

The role of bank directors in managing risk

10 Reports every bank and credit union should run NOW

How To Assign FTP Attribution to a Loan

What Relationship Pricing Means for Bank Performance

Bank Credit Risk: A Risk-Return Analysis

Amidst a Global Crisis, Cloud Technology Trends for 2021 Emerge

The top 10 2022 ALM resources for financial institutions

Capital optimization for desk restructuring under FRTB

How Your Bank Business Model Impacts Performance

FTP – Another Bank Failure and Another Learning Opportunity

FTP – Another Bank Failure and Another Learning Opportunity

FTP – Another Bank Failure and Another Learning Opportunity

Office Depot Turns To B2B, eCommerce To Boost Revenues

Regtech in banking: How emerging technology helps keep banks compliant

Regtech in banking: How emerging technology helps keep banks compliant

How To Do Better Against National Bank Lending Competition

Risk of Derivatives – The Fall of an Index

Loan-pricing models: What to consider for loan origination software

What The Next Industrial Revolution Means For Money Management

Developing loan reviewer training: What personnel need for success

Why now is the time to update your bank’s corporate governance

How To Improve Uninsured Deposit Performance

5 Actionable Insights From 2Q 2022 Bank Earnings

Coronavirus Puts B2B Payment Timing In A Tailspin

Surprise Outcomes Edition: Cybercrime, Student Loans And CAN Capital

10 Lessons From The Small Business Banking Conference

Key Components of a Strong Sanctions Compliance Program

How can bank boards respond to increased regulatory scrutiny?

As The IoT Grows, Can It Overcome Security Problems?

Alternative Finance’s Popularity Won’t Break With Investors

For Financial Institutions, Is There Such A Thing As Too Much Capital? Yes. Yes There Is.

5 Reasons to Increase SBA Loan Origination at Your Bank or Credit Union

5 Reasons to Increase SBA Lending at Your Bank or Credit Union

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