South State Correspondent

MARCH 5, 2024

In this article, we will consider how and why loan size is one of the most significant drivers of profitability for community banks and what community banks can do to improve performance. Second, larger companies have more diverse management talent to help them navigate recessions. Larger loans have lower credit risk, all else equal.

Community Bank 195

Community Bank Community National Lending 195

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. For example, while banks in the Southeast and Mid-Atlantic regions of the U.S.

How To 195

How To Examples Resources Community Bank 195

South State Correspondent

MAY 18, 2022

In two recent articles, we reviewed the banking industry’s deposit behavior with regard to cost of funding earning assets (COF) ( HERE ), and we compared how community banks’ COF behaves relative to national banks in a rising interest rate cycle ( HERE ).

Community Bank 195

Community Bank Community Analysis Industry 195

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 195

How To Community Bank Community Capital 195

South State Correspondent

JANUARY 10, 2024

This article will discuss how national, regional, and community banks may use loan hedging programs in 2024 to face earnings challenges. There are multiple good reasons why national and regional banks continue to offer fixed-rate loans to borrowers only via a loan hedging program, regardless of the interest rate cycle.

Community Bank 195

Community Bank Community National Regional 195

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.

Lending 195

Lending Capital Management Tools 195

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.

Lending 195

Lending Capital Management Tools 195

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.

Lending 195

Lending Capital Management Tools 195

Jeff For Banks

DECEMBER 15, 2021

It's a sure way to have the un-empowered branch manager calling the regional manager for rate exceptions to win new money or keep money at the bank. But that is certainly what you are motivating branch managers to do if you use deposit growth as one of their strategic goals. How does that translate to the branch manager?

Regional 78

Regional Management Guidelines Retail 78

PYMNTS

AUGUST 16, 2019

This investment will help ShareChat grow and provide the company’s management team access to Twitter’s executives as thought partners,” Manish Maheshwari, managing director of Twitter India, said in a prepared statement. Hindi, a regional language, is spoken by about half a billion people, the article said.

social media 108

social media Capital Regional Google 108

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 370

Compliance Training Resources Policies 370

South State Correspondent

DECEMBER 8, 2023

Where there is no correct answer, the takeaway was that the most successful banks have a clearly communicated definition and often meet with their retail, commercial, and specialty counterparts to manage issues and conflicts. After the seventh-month mark, conversion rates sharply decline. However, this was the most common structure.

Conference 195

Conference Retail Community Bank Technology 195

South State Correspondent

AUGUST 8, 2022

In this article, we put some data behind the trends and provide optimal targets to help you run your bank more successfully. Insight #1 – Deposit & Margin Management: Deposit runoff has started and will make it to community banks by October. This is to say that liquidity management will drive alpha or outperformance.

Trends 195

Trends Community Bank Community Retail 195

South State Correspondent

AUGUST 22, 2023

If one product is the future of banking, it is treasury management. In this article, we detail the five steps to building a treasury management strategy, provide some tools to execute those steps, and then provide a complimentary survey to assess your strengths and weaknesses. It starts by targeting the right customers.

Management 195

Management Community Bank Survey Community 195

PYMNTS

JULY 28, 2017

According to a news report in Reuters , citing an internal memo, with the restructuring, Wells Fargo will phase out 57 regional offices in the U.S. and get rid of the regional manager positions in the impacted offices. The credit underwriting staffers and salespeople will stay in the local markets with new management.

Lending 100

Lending Arizona Regional Texas 100

South State Correspondent

AUGUST 21, 2022

In this article, we will discuss what community banks should look for in a hedge provider, specifically in a loan-level hedging program. Meet Competitive Pressures: National and larger regional banks are specifically targeting better borrowers for seven, ten, or 20-year fixed-rate loans. How Your Hedge Provider Can Be Relational .

How To 195

How To Community Bank Community FDIC 195

PYMNTS

JULY 22, 2019

“If a firm needs to digitally onboard someone and verify them, we can help that company do that fairly seamlessly,” Samer Atassi, regional director, Latin America and Caribbean for Jumio, told PYMNTS in a recent conversation. Opportunity, he noted, abounds. And accurately, he noted, doesn’t just mean they lock out fraud.

Innovation 161

Innovation Payments Regional America 161

Abrigo

JULY 14, 2023

Would you like other articles like this in your inbox? Staff producing the reports must communicate with management and inquire what management wants to glean or achieve from the data insights. Management may need to adjust its strategy to grow within areas where there is still room for growth without jeopardizing these limits.

Strategy 195

Strategy Data Analytics Analysis 195

South State Correspondent

APRIL 27, 2022

In this article, we walk through why banks should focus on total experience (TX) and give you the ten critical factors that can catapult your bank ahead of almost every bank in the industry. Leaders managing product teams or departments should keep these fundamentals top of mind when launching or improving a program. Build from there.

Customer Experience 195

Customer Experience eBook User Experience Policies 195

PYMNTS

APRIL 22, 2019

In an article penned for Forbes on Friday (April 19), LevaData Founder and CEO Rajesh Kalidindi predicted that “there will be unforeseen impacts and volatility arising directly from the USMCA framework.”

United States 110

United States Taxes Regional Survey 110

TrustBank

JUNE 3, 2021

A closer look at the data by metro regions in which Washington Trust Bank primarily operates shows that this decrease in available listings is occurring locally as well. The active listing count by metro region has also declined when compared to the previous 4 year average.

Metro 52

Metro Portland United States Washington 52

Alex Jimenez

APRIL 7, 2024

Pausing Innovation This was on my mind when reading this article about Nike’s innovation woes. In the article Matt Powell , advisor at Spurwink River and senior advisor at BCE Consulting , is quoted, “What happened with Nike, and lots of brands during the pandemic, was they made a decision to play it very safe.”

Innovation 87

Innovation Management Strategy America 87

Abrigo

JUNE 2, 2015

In a recent article from Credit Union Times , 71 million consumers had an auto loan in the first quarter of 2015, the most since the recession and an increase of 1.2 Regionally, Southern credit unions continue to dominate in total new vehicle loans, with more than $39 billion reported for the period ending December 31st.

Lending 150

Lending San Antonio CA Sacramento 150

Jeff For Banks

SEPTEMBER 5, 2016

This is a common article and my firm performs several of these annually. In the same article, the CO compelled the bank to elect an additional director with banking experience. We are often asked this question, either formally (through a Management Study or Board evaluation engagement) or informally, And the answer is, it depends.

Chicago 60

Chicago Study Delaware Regional 60

Gonzobanker

JULY 6, 2021

It has become crystal clear that digital transformation is now the largest technology initiative for regional and community financial institutions. It also requires both top-down and bottom-up commitment as the institution will be breaking down departmental siloes and developing new ways of managing risk. At least, not right now.

Strategy 156

Strategy System Risk Management Technology 156

Bank Innovation

MAY 11, 2017

This is the third part of a series of five articles. company owned servers and 3) regional jurisdictional data, payments and identity infrastructure is inevitable and the most effective way to manage those threats is by giving would-be-global European firms a competitive edge in the form of regulation. Care to elaborate?

Regulation 252

Regulation Regional Apple America 252

Bobsguide

MARCH 30, 2022

We already have a solid base of clients and partners in the region, but having a strong presence on the ground in the United States will help us extend the reach of our industry-leading multibanking and payment solutions.”. “I am excited to have Mark onboard to drive Fides business growth in North America,” said Kaufmann.

America 60

America United States New York Conference 60

Abrigo

AUGUST 31, 2023

Critical KYC Asking uncomfortable questions: the personal touch Senior management may view KYC as a regulatory obligation that burdens the client experience, thus affecting the relationship. Regions serving these communities must have alternative KYC procedures to benefit members and prevent undue stress and anxiety.

Compliance 195

Compliance Community Training System 195

Ublocal

JUNE 5, 2023

In this article, we’ll explain everything you need to know about SBA loans and how to apply for one. By taking advantage of these resources in combination with Union Bank’s offerings, small business owners in the region can maximize their chances for success. Sole proprietors can provide their Schedule C.

New Hampshire 98

New Hampshire Vermont Resources Taxes 98

Abrigo

SEPTEMBER 10, 2021

Would you like other articles like this in your inbox? The importantance of the BSA tole came to be paramount to the entrie risk management program and included as part of the federal safety and soundness examinations. September 11, 2001 will stay with Americans forever.

Training 195

Training Risk Management Pennsylvania Resources 195

PYMNTS

NOVEMBER 6, 2018

He also saw that candy sales were important, and, lastly, he imported products from other regions of the world. And, according to a recent Wall Street Journal article, the retailer is thriving — even in the age of eCommerce, and, well, Amazon. In 1997, the company said it would close its remaining 400 brick-and-mortar stores.

Maine 139

Maine Retail Pennsylvania Study 139

FICO

NOVEMBER 17, 2021

And I got a few HAL vibes when reading a Harvard Business Review article on cobots that says: “Firms achieve the most significant performance improvements when humans and machines work together. Humans and machines also work side-by-side in financial crimes case management, through FICO’s Financial Crime Solutions. by TJ Horan.

Fraud 59

Fraud Analytics Management Leadership 59

PYMNTS

AUGUST 23, 2018

The European Union (EU) General Data Protection Regulation (GDPR) came into effect in May, but most businesses in the region still aren’t compliant with the rules. GDPR compliance must be a component of the supplier relationship management strategy, analysts said.

Compliance 119

Compliance Data social media Security 119

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.” Taulia offers supply chain financing in addition to invoice discounting and management services for business traders. On Thursday (Oct.

Lending 152

Lending Capital Marketing Report 152

South State Correspondent

AUGUST 16, 2023

These are cash flow management tools that send a signal of future problems. This data is consistent across regions. Banks are currently reducing indirect auto financing growth and are managed by greater holdback and fewer exceptions. Banks should put management plans in place now. Unsecured personal loan usage is up 21%.

Trends 195

Trends Cards Capital Data 195

FICO

AUGUST 30, 2022

Vice President, Product Management. The team won for its article on using the power of optimization to improve access to drinking water in the remote areas of Nepal. The work we did to solve the complex water network structure can benefit other regions as well.”. JessicaButalla@fico.com. Tue, 07/19/2022 - 16:11. Oliver Bastert.

Analytics 52

Analytics Regional Strategy System 52

Jeff For Banks

NOVEMBER 24, 2019

Harassment included a bellicose management team, scowls from the townspeople, and threatening sidewalk art outside of the bank. Another depressed town due to the general economic malaise that bedraggled the region when the steelmaking industry moved elsewhere. The blue-suits were not well-received. I'm not making this up.

National 78

National West Virginia Virginia Pennsylvania 78