South State Correspondent

OCTOBER 4, 2023

If you want to grab a material amount of new deposit balance, offer a 5.05% money market rate, post it all over Instagram, and sit back and watch the money roll in. In this article, we will show you 15 proven deposit marketing campaigns that will rack up deposit-gathering wins while building a high-performing bank in the process.

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South State Correspondent

FEBRUARY 22, 2023

With loans, it’s hard to discern expert-level skills unless you know the market and the credit. This article is about developing more of those expert-level deposit pricing skills. Each bank faces a different cost structure, market, goals, and risk profile, so pricing to the market or other banks never makes sense.

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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.

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South State Correspondent

JULY 19, 2023

If you are looking to see the future of how banks will utilize artificial intelligence (AI), look no further than marketing. Even if you are not a bank marketer, this article is worth a read to understand AI’s capabilities. Bank marketing AI is ground zero to showcase the transformation that is already taking place.

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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. In this article, we wanted a different approach to arrive at the same conclusion but in a slightly different context. BB&T was the more asset-productive bank.

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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. .

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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. . Loans below 1.50X starting DSCR cannot withstand the current market expected rise in interest rates if cash flow decreases by just 10%. Background.

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South State Correspondent

NOVEMBER 7, 2022

The AOCI is an accounting adjustment meant to reflect the economic value of assets and is the process of “marking loans to market.” In this article, we explore what signals marking your loans to market might send. Banks had enough liquidity so it didn’t really matter in terms of day-to-day operations.

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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.

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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.

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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.

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South State Correspondent

NOVEMBER 29, 2023

One of the lessons that was driven home at the recent American Banker Small Business Banking Conference in Nashville was the difference in marketing between large national banks and community banks, particularly deposit marketing. ” This article explores the recency trap and discusses how to prevent it.

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Independent Banker

JULY 31, 2022

The Social Bankers, a collective of community bank marketers, offers inspiration, information and professional development advice to community bankers focused on marketing and social media. And that means it can be a challenge to keep up with the latest trends in social media marketing. Illustration by miakievy/iStock.

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Perficient

DECEMBER 14, 2020

The COVID-19 pandemic has challenged the economic and labor markets, impacting all businesses regardless of their size. The Public Cloud Market Will Surge. For example, software-as-a-service (SaaS) enables applications to run on the provider’s servers over the internet, and it will likely remain the largest segment of the cloud market.

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South State Correspondent

JULY 12, 2023

Banks are about to win back payment flow from non-banks, and in this article, we break down how this will happen and what it means for your bank. To get our nomenclature correct, for the sake of this article, we will collectively call RTP and FedNow’s Instant Payments “Faster Payments.” Payroll can move to daily payment.

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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. Comparing the Two Banks Let’s say we have two banks competing in the same market. Bank B is sacrificing efficiency for effectiveness and innovating new products to capture new markets.

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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 3, 2023

A typical bank’s money market accounts often have six tiers ranging from $2,000 to $100,000. Are you using your tiers to drive profit by giving low rates, or are the tiers just confusing your customer and driving-up operational cost? It is also true that most banks are not active deposit portfolio managers.

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South State Correspondent

APRIL 23, 2023

The root cause of Silicon Valley Bank’s (SVB) failure is poor risk management – plain and simple. Bankers need to understand and manage their business on the fair value of assets and liabilities instead of managing their business on net interest margin and the amortized historical cost of assets and liabilities.

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South State Correspondent

JANUARY 30, 2024

Marketing and technology (IT) are two budgets that have taken the most significant hit. In this article, we partner with Gartner to look at 2024 key IT metrics and provide strategic insight into how much your bank should be spending on IT. As such, bank budgets have come under scrutiny. Technology-forward banks spend as much as 16.4%

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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. 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.

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South State Correspondent

JUNE 22, 2023

In the last article, we covered the basics of EOS ( HERE ), the Entrepreneurial Operating System, and how some banks use it to improve productivity. EOS comprises a series of tools and concepts that guide leaders in managing and optimizing their operations. The project manager?

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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. This is over three times the life of a money market account that is over $1mm in balances.

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Perficient

JUNE 3, 2020

The announcement this week from AWS and Red Hat to bring managed OpenShift to AWS cloud has me thinking about other great combos such as chips and salsa, or the sun and moon, or Simon & Garfunkel. I love cross-pollination among technology alliances.

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Customer Experience Technology Innovation System 443

South State Correspondent

MAY 1, 2024

This article highlights Gentle Monster’s five-step process that might change how you look at the future. The Banking Innovation Playbook – Step 1: Find a Niche Kim looked at the market and knew he needed traction in at least a single segment where he could create a brand and a following for Gentle Monster.

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Perficient

JULY 13, 2022

We highlighted the risks to auto lenders who financed vehicles at elevated prices and would inevitably find themselves underwater as the chip shortage eased, expanding the pool of vehicles to choose from and lowering transaction prices as the market returned to some semblance of normal. But people were still buying cars.

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Meeting Marketing Operations Strategy 275

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? Takeaway 1 Changing economic landscapes, investment markets, interest rates, customer demand, mergers, and acquisitions affect ALM decisions.

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Jeff For Banks

JUNE 25, 2020

The inability to connect Marketing activities to the bottom line is what I frequently hear from bankers that think the Marketing Department is a cost center. Yet Marketing is frequently held to account for the ROI of the checking or home equity campaign. Which leads me to my second way to hold Marketing accountable.

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South State Correspondent

AUGUST 22, 2022

In 1983, Commodore International, with its Commodore 64 commuter, was the largest personal computer manufacturer in the market controlling over 50% of sales. If you already have a data warehouse or plan to sell the bank in the next 12 months – please skip this article. The Demise of Commodore.

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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. With the development of the term SOFR market, BSBY offers no perceived advantages over SOFR, Fed Funds, or Prime. Virtually no ongoing or upfront costs.

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Insights on Business

SEPTEMBER 5, 2018

Institutions invested in a broad range of corporate debt instruments can draw business benefit from adopting an integrated view of market and credit risks. These include the ability for risk analysts and fund managers to capture in a single environment, migration and default situations on top of yield curve shifts and spread widening impacts.

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Marketing Risk Management Analysis Examples 79

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 195

Technology Fraud Compliance Regulation 195

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 195

Technology Fraud Compliance Regulation 195

South State Correspondent

MAY 2, 2022

Unfortunately, there are many problems with sales funnels, and in this article, we will show why banks should be thinking in terms of “Growth Loops” instead. Some will not know the answer, and other bankers will talk about more marketing, more salespeople, more geography, better follow-up, or a more focused sales effort.

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PYMNTS

FEBRUARY 14, 2019

“Private companies are starting to realize it’s not business as usual,” said Deloitte Private Enterprises Managing Partner Mark Davis in an interview with Accounting Today last September. Some of the biggest changes are in the ways organizations record finances related to their leases. “In many ways, they are.”

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South State Correspondent

FEBRUARY 28, 2023

This article uses data and machine learning to give banks three of the most critical lessons regarding deposit promotions. When media attention drives behavior, you want to run a deposit promotion to get the greatest return on your marketing investment. The same is true for deposit marketing.

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PYMNTS

NOVEMBER 1, 2018

Or, as a recent CNBC article put it, quoting a source, “a mass extinction event.”. Among the latest chronicles of that struggle came this week via a CNBC article , which includes this quote from a 2016 McKinsey & Co. So far, at least, global banks are holding up, based on their most recent reporting periods,” the article says.

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