Jeff For Banks

JULY 31, 2017

US Regional Banks' price-earnings multiple was 16.6x and price to tangible book value was over 2x (see chart). According to Peter Lynch's iconic book One Up on Wall Street , a stock is fairly priced if its PEG ratio was 1. We must contemplate that implicit in their p/e ratio is some level of their tangible book value.

Regional 60

Regional FDIC Industry Risk Management 60

Gonzobanker

NOVEMBER 2, 2023

At the same time, tomorrow’s leadership will have little to do with “book smarts.” Once they run buzzwords and innovations through management’s “B.S. Pillar #2: Leaders Transcend Daily Hustle to Build New Systems Most regional and community banks grew up executing the fundamentals with sheer hustle and hard work.

Leadership 155

Leadership Industry Management Resources 155

South State Correspondent

MAY 3, 2023

Bank executives that measure and manage the balance sheet based on the fair value of assets and liabilities invariable will change risk behavior, compensation structures, and capital allocation for the long-term benefit of shareholders. FTP may have prevented the demise of First Republic Bank.

Lending 195

Lending Capital Management Tools 195

South State Correspondent

MAY 2, 2023

Bank executives that measure and manage the balance sheet based on the fair value of assets and liabilities invariable will change risk behavior, compensation structures, and capital allocation for the long-term benefit of shareholders. FTP may have prevented the demise of First Republic Bank.

Lending 195

Lending Capital Management Tools 195

South State Correspondent

MAY 2, 2023

Bank executives that measure and manage the balance sheet based on the fair value of assets and liabilities invariable will change risk behavior, compensation structures, and capital allocation for the long-term benefit of shareholders. FTP may have prevented the demise of First Republic Bank.

Lending 195

Lending Capital Management Tools 195

Gonzobanker

DECEMBER 14, 2023

Not the financial industry’s “Troublemakers ” – those regional and community banks, credit unions and supporting fintech entrepreneurs who continue to engage customers and communities and find niches that keep the grassroots of our country’s financial system alive and kicking. billion bank in the Mid-Atlantic region.

Fintech 194

Fintech Community Regional Technology 194

FICO

AUGUST 18, 2021

This post explores the credit card trends in the US, UK and Canada, reviewing regional differences and focussing on the impact of the pandemic. The UK has much higher limits for those less than 12 months on book (new); this suggests a low and grow approach in both the US and Canada. Source: FICO. Above-Limit Spend. Source: FICO.

Trends 52

Trends US Cards Regional 52

South State Correspondent

JANUARY 4, 2023

Building out the ever-important treasury management suite, targeting deposit-rich customer segments, and creating new savings products are all examples of how banks can build deposit balances at low cost, low-rate sensitivity, and high deposit convexity. Remember all those five-year fixed-rate loans you booked at 4%? Conclusion.

Community Bank 195

Community Bank Capital Lending Training 195

FICO

FEBRUARY 18, 2021

Here are our five recommendations for credit risk managers. Consider all your customer risk segments. This account history will be on your books a long time — months or years from now — so that someone with no first-hand experience of the crisis will be able to understand what happened at a detailed level.

Policies 59

Policies Analysis Risk Management Data 59

FICO

AUGUST 16, 2019

However, even as the two groups have distinctly different functions at most financial institutions, both touch almost every point of the customer lifecycle — from marketing to origination, to management, to account closure — including collections and recovery. Credit Risk and Fraud Across the Customer Lifecycle.

Fraud 40

Fraud Analytics Groups Management 40

Independent Banker

FEBRUARY 24, 2016

State/Regional Partners Reception*. State/Regional Affiliate Associations & Exhibitor Receptions*. IB: What’s the main message in your book, “The Road to Reinvention”? The book prioritizes the need for reinvention. The idea in the book is, how do you reinvent early and often? Monday, March 7. General Session.

Community Bank 70

Community Bank Community Innovation Customer Experience 70

Gonzobanker

MARCH 23, 2020

Our long novels about slowly losing ground to the mega banks just became an audio book to be played on high speed while walking between the kitchen and home office to refill on coffee. Cornerstone Advisors has been a broken record telling the story of a community banking industry that’s falling behind in online and mobile capabilities.

Community Bank 122

Community Bank Tools Case Study Online 122

FICO

JANUARY 27, 2022

The most popular posts in our Customer Development category dealt with credit card payments, open banking, trends for financial services and small business lending — as well as FICO’s listing as a top risk management firm. Here are extracts from those posts. The Impact of Covid-19 on Credit Card Payments .

Analytics 52

Analytics US Trends Data 52

FluentBanking

APRIL 18, 2020

The Admit Cards of the candidates of Dhaka city will be sent by the Institute to the Local Office/Zonal Office/Regional Office/Administration Department of the Head Office of their respective bank/financial institution. Where there are offices of Bangladesh Bank, the Admit Cards will be sent by the Institute to those offices.

Regulation 52

Regulation Case Study Security Management 52

FICO

FEBRUARY 25, 2019

After a 2018 that had its highs and lows, what might 2019 have in store from a credit risk management standpoint? Often, a downward shift in the odds-to-score relationship leads to tightening of underwriting, as lenders seek to ensure that new bookings are appropriately aligned with their risk tolerance.

Trends 63

Trends Fraud Data National 63

Gonzobanker

DECEMBER 20, 2019

And Partners CEO John Janclaes helped put Kony on the market map in mid-size shops, even keynoting Kony’s conference with a leadership book in tow. If you think of teams that take early system adoption risk, manage it well and get an edge on the competition as a result, you probably don’t think first of a $1 billion credit union in Kalamazoo.

Idaho 148

Idaho Conference Data Marketing 148

FICO

MAY 18, 2020

Some changes include bringing forward 180-day charge-off for cards to 120 days - or having the accounts on forward flow and debt sale agreements at 120 days that are coming straight off their recovery book from charge off to write-off instantly all in one day. For one of the largest regional debt purchasers, this equated to a 100% increase.

Regulation 52

Regulation Operations Management Data 52

Jeff For Banks

APRIL 22, 2018

The Federal Reserve Beige Book is released in advance of the Federal Reserve meetings. The recent March, 2018 report for our Philadelphia Region was overall quite positive; the words “modest” or “moderately” were used 16 times on two pages. The implication is that the economy here is okay and still growing.

Marketing 60

Marketing Philadelphia social media Taxes 60

PYMNTS

OCTOBER 1, 2018

Investors depend on fund advisers to give them the straight scoop on performance so they can make informed investment decisions,” said Jina Choi, director of the SEC’s San Francisco regional office. Those two things were enough to end Laplanche’s tenure at LendingClub, and he agreed to step down three days after the news emerged.

Lending 135

Lending Fraud Management San Francisco 135

FICO

FEBRUARY 6, 2017

FICO Scores, of course, play an important role in the risk management and transparency that powers the secondary market. This could result in loans booked with VantageScore on this population being viewed as “undesirable” by investors due to the lack of a reliable mapping to default risk.

Analysis 40

Analysis Marketing Security Course 40