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

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.,

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South State Correspondent

MAY 9, 2024

In this article, we look at what is happening at the state level, at 30 common industries where credit risk is rising, and at 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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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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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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Abrigo

MAY 22, 2024

This article outlines some of the math behind small business lending and its profitability and suggests ways for banks and credit unions to better serve this important market while earning appropriate returns. Almost half sought credit to grow their businesses, and 28% applied to make repairs or replace capital assets.

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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.

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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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Abrigo

APRIL 22, 2024

This article outlines some of the math behind small business lending and its profitability and suggests ways for banks and credit unions to better serve this important market while earning appropriate returns. Almost half sought credit to grow their businesses, and 28% applied to make repairs or replace capital assets.

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South State Correspondent

MARCH 28, 2024

In this article, we breakdown the details and discuss seven strategies and seven tactics banks use to set themselves apart. Five to ten of these Hubs will receive $40mm to $70mm in capital to invest in projects that meet established qualifications. Projects and locations: Investing in America Program Details ).

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PYMNTS

FEBRUARY 27, 2020

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. In the same quarter one year earlier, capital expenditures totaled $66 million.

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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

DECEMBER 22, 2023

Abrigo's top risk management articles The risk management blogs banks and credit unions are reading Probability of default, CECL model validation, and CRE risk are hot topics that risk management and accounting professionals will be tracking in the coming months. The FASB’s description of proposed changes can be found here.

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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.

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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. The operative question is when commercial PODs will show a spike.

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South State Correspondent

MAY 22, 2024

In this article, we highlight the state of the bank commercial real estate office lending sector and make an argument about why banking might be better off than most analysts think. While net operating income and debt service coverage will be down from most banks’ underwriting, the loans remain current.

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MyBankTracker

JULY 7, 2020

Market capitalization is a measure of a company’s size and value. What is Market Capitalization? Market capitalization is the total value of a company. For example, if a company has a share price of $25 and 100 million shares outstanding, its market capitalization would be: $25 * 100,000,00 = $2.5

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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. Our point in this article is that there is more than one way to achieve efficiency, and your bank might be better off being less efficient but more effective. The data is startling.

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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.

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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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PYMNTS

DECEMBER 5, 2016

Said researcher got interested after seeing a news article on the SFMTA hack. But the world is full of unexpected costs — just ask the team at CAN Capital. CAN Capital, the small business online lender, has announced that its CEO is on a leave of absence. So, good news for borrowers — unexpectedly expensive news for taxpayers.

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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.

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South State Correspondent

APRIL 6, 2022

In this article, we provide banks with four changes, that account for about 90% of performance, that should be made in loan pricing models, plus deliver the data around those changes. Making loans is central to your bank’s operations, and lending has a compounding effect on profitability. Loan Pricing Model Basics.

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PYMNTS

MARCH 26, 2019

In 2015, news outlets ran articles about the “ gold mine ” of venture capital investments in the alternative finance sector. The company posted Monday (March 25) a more than $3 million operating loss for the 2018 year, compared to a $133,630 profit in 2017. Further, GLI Finance revealed a $25.93

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Abrigo

DECEMBER 23, 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. They must meet both expected and unexpected cash flow and collateral needs without adversely affecting daily operations or financial performance.

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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. Lending and Credit Software. Leveraging software to gain efficiency. Takeaway 1 Optimize profitability through loan pricing models.

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South State Correspondent

MARCH 6, 2023

In an article last week ( HERE ), we discussed why real estate loans underwritten at common debt service coverage ratio (DSCR) and loan-to-value (LTV) levels may quickly become substandard credits if capitalization (cap) rates normalize, as expected because interest rates are rising.

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South State Correspondent

FEBRUARY 20, 2023

Community banks should consider implementing the following management tools (all used by their larger competitors) because they are easy to adopt and can gain community banks significant advantages against their lending competition: RAROC – larger banks measure product profitability with risk-adjusted return on capital models.

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PYMNTS

AUGUST 24, 2019

A new treasurer, deputy chief financial officer and director of financial crime risk were named in a new round of senior executive appointments that have also included a new chief financial officer and chief operating officer. million customers in under four years in operations, with 12,000 new account sign-ups daily.

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Abrigo

JULY 27, 2023

Would you like other articles on fraud and AML/CFT compliance in your inbox? From transaction monitoring to detecting unusual activities and facilitating report filing for reviews and audits, regtech solutions for banks can streamline and optimize compliance operations.

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Abrigo

JULY 27, 2023

Would you like other articles on fraud and AML/CFT compliance in your inbox? From transaction monitoring to detecting unusual activities and facilitating report filing for reviews and audits, regtech solutions for banks can streamline and optimize compliance operations.

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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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Abrigo

SEPTEMBER 1, 2021

Would you like others articles like this in your inbox? Danielle Austin-Rios , CAMS also contributed to this article From drug cartels to street gangs, the illegal drug market has been a consistent moneymaker for drug trafficking organizations (DTOs), and there is no end or slowdown in sight.

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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. Photo by Alita/Stocksy. By Susan Springer.

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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.

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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.

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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.

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