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How to Set Your Strategic Planning Time Horizon

South State Correspondent

Banks consistently produce under their cost of capital. However, for the average bank, their cost of capital is between 9% and 14% depending on the bank’s equity liquidity with an average of 12.5%. As an industry, we misallocate capital. However, if you want to build a legacy institution, then your capital should be longer.

How To 195
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Scale Matters … But Smart Matters More

Gonzobanker

A recent round of bank merger announcements and the marquee Capital One/Discover deal illustrate this mantra’s popularity. An exercise Cornerstone likes to conduct: Take a look at the top 20% of the bank’s headcount and review comp and bonus in descending order. So, let’s do a quick thought experiment, Gonzobankers.

Tools 163
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The Whole Paycheck Tracker: HQ Enhancements, Empathetic AI And Special Guest Bernie Sanders

PYMNTS

While wearables are able to track all kinds of things about their wearers — how much they exercise, when they are sitting or standing or how regular their sleep habits really are — they aren’t renowned for their ability to sense how their wearer is feeling emotionally speaking. AI Enhancement: A Wearable That Feels Your Pain.

New York 109
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Hit The Ground Running: 15 Early-Stage Fitness Tech Startups To Watch

CB Insights

The companies below were selected based on the recency and size of their disclosed funding and their Mosaic score, CB Insights’ National Science Foundation-backed algorithm that uses financial and non-financial signals to predict private company health. Select Investors : StartLab Galway, Enterprise Ireland, Notion Capital.

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The Current Banking Crisis – 10 Not So Apparent Lessons

South State Correspondent

It turns out that confidence is more valuable than capital. The ratio would provide a bank’s current core capital position to risk-adjusted assets. Some form of this ratio will likely be applied to the national and regional banks, which means larger community banks will also be judged by this ratio.

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The Secrets of Expert Deposit Pricing Management

South State Correspondent

The banker’s job is to separate those looking for a rate and those looking for another non-rate attribute such as safety, convenience, service, brand alignment, or similar. We can leverage S&P Capital IQ Deposit Data and know what they are likely to do by looking at the behavior of deposit competitors in the past.

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33 Ways Drones Will Impact Society: From Fighting War to Forecasting Weather, UAVs Change Everything

CB Insights

As more companies look to capitalize on these commercial opportunities, investment into the drone space continues to grow. Mining is a capital-intensive venture that requires constant measurement and assessment of physical material. For the visually impaired, drones could make exercise programs more accessible.