Abrigo

JANUARY 27, 2022

Higher Fed Rates Ahead: Plan Now to Manage Impact on Deposits The Fed's signal of higher interest rates reiterates the importance of financial institution ALM and deposit management strategies, policies, and programs. . However, without proper planning, the joy may be short-lived. What’s your deposit management strategy?

Strategy 195

Strategy Management Policies Lending 195

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. Our top ten blogs were created by Abrigo's team, which includes former bankers, regulators, and industry experts. Would you like other articles like this in your inbox? For rookies and experts.

Resources 195

Resources Risk Management Study Strategy 195

Abrigo

JANUARY 25, 2022

Change Management Helps Financial Institutions with Digitalization Bank and credit union executives who manage the people side of digital transformation have more success. . Chief Executives' Strategies. Digitalization sits atop most financial institution CEOs’ strategic plans for many reasons.

Management 195

Management Software Survey Fintech 195

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 195

Management Meeting Capital Strategy 195

Abrigo

AUGUST 7, 2023

Making plans in case of shortages and being proactive by cross-training employees can help. Takeaway 3 Enlisting alternative staffing resources and investing in AML software that reduces manual labor are two additional strategies to ease staffing changes. Takeaway 2 A staffing needs assessment helps guide decision-making.

Training 195

Training Fraud Leadership Resources 195

Abrigo

OCTOBER 4, 2016

As the leadership teams at many banks and credit unions perfect plans to grow their loan portfolios, management can depend on several key metrics to measure the effectiveness of their plans and execution. The conversion rate is also a necessary variable in planning out the institution’s portfolio growth strategy.

Resources 236

Resources Marketing Strategies Strategy Community 236

Abrigo

JANUARY 10, 2020

Strapped for time to implement these strategies? Setting up your ALM model to satisfy regulators isn’t particularly difficult; however, getting the most mileage out of your institution’s ALM process can be challenging if you don’t recognize the strategies and benefits ALM can offer. Consider leveraging valuable resources to help.

Strategy 195

Strategy Resources Management Capital 195

Abrigo

AUGUST 5, 2020

Key Takeaways This recession is significantly different than the 2008 financial crisis, creating a unique credit environment for financial institutions. Economic downturns alter the credit memo's content and process to capture credit risk. Mitigate credit risk and drive growth – even in a recession. Learn More.

Management 195

Management Risk Management Trends Industry 195

Abrigo

SEPTEMBER 16, 2020

An ALM model can help budgeters consider the impacts of the pandemic on balance sheets and strategies. With that insight and an awareness of how the ALM model is used to generate budgets and forecasts , your bank or credit union’s planning and execution next year will be on track. learn more.

Management 195

Management Strategy Tools Comparison 195

Abrigo

SEPTEMBER 16, 2020

An ALM model can help budgeters consider the impacts of the pandemic on balance sheets and strategies. With that insight and an awareness of how the ALM model is used to generate budgets and forecasts , your bank or credit union’s planning and execution next year will be on track. learn more.

Management 195

Management Strategy Tools Comparison 195

Abrigo

SEPTEMBER 30, 2016

For many banks and credit unions, it is hard to feel anything but stuck between a rock and a hard place right now. In the current market, banks and credit unions are facing pressure on all fronts. For many banks and credit unions, the way forward is loan portfolio growth.

Lending 150

Lending Resources Examples Strategy 150

Abrigo

JUNE 22, 2017

Successful strategic plans require goals that are determined through risk identification and assessment, as well as an understanding of the different degrees of risk involved. According to a Sageworks poll, only 14 percent of credit unions surveyed have a risk appetite statement in place. What is risk appetite?

Lending 150

Lending Meeting Survey Capital 150

Abrigo

OCTOBER 11, 2016

As discussed in a previous post, many banks and credit unions are turning to loan portfolio growth as the way forward. These growth plans typically focus on finding new ways to attract more qualified applications. This practice is designed to mitigate risk, but it can also limit lending opportunities.

Analysis 150

Analysis Lending Taxes Software 150

Gonzobanker

DECEMBER 22, 2020

Bankers started the year with good business plans, strong balance sheets, and optimism. Banks and credit unions had to fundamentally change their delivery, support and relationship management models at scopes and speeds that were unheard of. And how did community banks and credit unions respond to the COVID craziness?

Idaho 181

Idaho Community Industry Strategy 181

Abrigo

OCTOBER 23, 2014

banks are seeing low loss rates on CRE and construction loans relative to the past six years, according to Forbes. As a result, many are seeking growth in these areas, and others, as the recent financial crisis falls into the more distant past. But how can this growth be managed appropriately? Blog Bank Credit Union'

Risk Management 186

Risk Management Management Lending Resources 186

Abrigo

JANUARY 5, 2015

Institutions nationwide saw improvements in credit quality and higher loan growth in 2014. Bank Director recently sought feedback from over 200 senior executives and directors at banks nationwide through their 2015 Bank M&A Survey , sponsored by Crowe Horwath LLP.

Survey 150

Survey Capital Marketing Maine 150

Abrigo

DECEMBER 22, 2023

The most-read portfolio risk blogs in 2023 Probability of default, CECL model validation, and stress testing were among Abrigo's top blogs on ALM, CECL, and portfolio risk this year. Watch NOW Takeaway 1 Portfolio risk and accounting professionals often keep up to date on industry trends by reading Abrigo's blog.

Risk Management 221

Risk Management Regulation Management Lending 221

Abrigo

JUNE 5, 2015

In a recent Forbes article, Frank Sorrentino, Chairman and CEO of ConnectOne Bank, offered his take on how financial institutions should flip their mindset on regulators and examinations. Stress testing is one such area where many smaller banks are feeling the weight of regulation.

Risk Management 150

Risk Management Community Bank Regulation Survey 150

Jeff For Banks

AUGUST 13, 2014

While a colleague and I sat patiently waiting for our flight, we were discussing an upcoming strategic planning session with a client. The law of large numbers in banking requires ever more asset generation as the bank becomes larger to sustain growth. Some banks have done it. What a great benefit to bank with you!

NJ 86

NJ Strategy Leadership National 86

Jeff For Banks

NOVEMBER 18, 2013

A colleague and I recently had a healthy discussion about what agenda items to include at strategic planning retreats. It does not matter if you are a stock held bank, mutual bank, or credit union. Even the non-stock bank/CU wants to live another day. So what is enhanced franchise value?

Strategy 89

Strategy Capital Groups Examples 89

FICO

FEBRUARY 12, 2023

Home Blog FICO Top 5 Customer Development Posts of 2022: Digital Banking and Pricing Opti The most popular posts in our Customer Development category dealt with digital banking, optimizing credit line increases, loan pricing and machine learning for credit risk models.

Digital Banking 52

Digital Banking eBook Analytics Customer Experience 52

Abrigo

APRIL 2, 2024

Stand-ou t bank business strateg ies for lending success These bank business strategies will help you market, target, add value to your lending services and build lasting relationships with your borrowers. Offering the lowest rates or fastest approvals is no longer a sufficient bank business strategy.

Lending 170

Lending Strategy Marketing Community 170

Social Assurance

NOVEMBER 19, 2021

With Quarter 4 in full swing, it’s time to plan and finalize where you’ll allocate your funds for the upcoming year. ” -Jaime Faulker, Social Assurance Client Growth Manager. Decide company goals early on and let these help guide your marketing budget planning process. Setting targets is the first step for any budget plan.

Marketing 29

Marketing Branding Marketing Strategies Strategy 29

Insights on Business

OCTOBER 16, 2018

These sessions will fill up fast; so please plan ahead and follow each session link below to register in advance! Learn how leading banks, credit unions and financial services firms leverage AI and cognitive to transform experiences that scale to millions of customers. Monday, October 22, 2018. 10:45-11:30 AM.

Fraud 117

Fraud Customer Experience Analytics blockchain 117

Jeff For Banks

SEPTEMBER 4, 2011

I was recently moderating a strategic planning discussion with a multi-billion dollar in assets financial institution. During the discussion, the President of one of the bank''s most profitable divisions opined that less than $10 billion in assets was the "dead zone". GABC continues to look for opportunities for growth.

Indiana 71

Indiana Strategy Exercises Marketing 71

Cisco

MAY 29, 2019

In retail banking, it’s clear customer experience matters, and the stakes have never been higher. But, when it really comes down to it, how can banks, saddled with regulations and security challenges, compete with the experiences offered by customer-obsessed tech powerhouses and agile fintechs? And when it isn’t? Power 2019 U.S.

Customer Experience 72

Customer Experience Retail San Diego Study 72

Abrigo

DECEMBER 28, 2023

Top banking risk management papers and infographics Abrigo experts' insights on deposit pricing, stress testing, loan review, and CECL were popular with banking risk professionals. Indeed, regulators and management alike focused on these risks more and more in 2023 following the failure of Silicon Valley Bank and repeated rate hikes.

Resources 221

Resources Risk Management eBook Strategy 221

Jeff For Banks

SEPTEMBER 13, 2011

I was recently moderating a strategic planning discussion with a multi-billion dollar in assets financial institution. During the discussion, the President of one of the bank''s most profitable divisions opined that less than $10 billion in assets was the "dead zone". They had to grow to survive. I challenged the thinking.

Arkansas 66

Arkansas Charlotte Pennsylvania Management 66

Abrigo

JANUARY 29, 2020

Ag producers are predominately concerned about liquidity and income; lenders are most concerned about credit quality, competition, and weaker loan demand. Technology has been a key resource for both ag borrowers and ag lenders seeking efficiency, growth, and profitability. On January 28, the Federal Deposit Insurance Corp.

Lending 195

Lending How To FDIC Survey 195

Abrigo

OCTOBER 20, 2016

Perhaps no industry has been so disrupted by this wave of technological innovation as the banking industry. Technological innovation has enabled FinTech start-ups to compete in a field previously dominated by banks and credit unions. Efficiency, the key to growth, is composed of two things: speed and quality.

Software 150

Software Lending Community Bank Taxes 150

Abrigo

FEBRUARY 27, 2017

The question for many banks and credit unions who see small business lending as a pathway to growth is how to tap this opportunity. Structure - Develop a plan for sales management, including activity-shaping and tracking and reporting to determine successful strategies.

Strategy 150

Strategy Lending United States US 150

CB Insights

MAY 10, 2018

Before Bruce Doolin Henderson opened the doors of Boston Consulting Group on July 1, 1963, the concept of “competition” barely existed in American business culture, let alone the concept of strategy. Those companies made plans. Get exclusive access to our survey of 677 corporate strategy executives. ” —Walter Kiechel. .

Strategy 78

Strategy Management Analytics Tools 78

CB Insights

NOVEMBER 9, 2017

So its secured lender, which [founder Scott] Jones didn’t name, recently emptied ChaCha’s bank accounts. Despite our best efforts to fund the company and continue to fuel our growth, the Company has been unable to raise the growth capital needed to continue operating as a going concern.”. via GreenTech Media.

Capital 78

Capital Company San Francisco Operations 78

CB Insights

OCTOBER 31, 2017

Taken together, it was a high-risk/high-reward strategy that didn’t pan out.”. The initial 7 years were all about having negative working capital, positive cash flow and a sustained ability to fund our own growth. Rival service Pinboard has snapped up the site for a mere $35,000, and plans to close it down. Product: Bridj.

Company 78

Company US San Francisco Capital 78

CB Insights

NOVEMBER 16, 2017

” Fred Wilson of Union Square Ventures recently wrote that for his fund, this translates to needing at least two $1B exits per fund: “If you do the math around our goal of returning the fund with our high impact companies, you will notice that we need these companies to exit at a billion dollars or more,” he wrote.

Lending 78

Lending Capital Company Google 78