Perficient

JULY 8, 2021

The Fed’s Comprehensive Capital Analysis and Review (“CCAR”) stress tests are designed to ensure that large banks can lend to households and businesses even in a severe recession. The Federal Reserve has both a Baseline Scenario and a Severely Adverse Scenario.

Capital 309

Capital Exercises Analysis Lending 309

South State Correspondent

JANUARY 2, 2024

Many bankers and borrowers are convinced that a recession is imminent despite no clear evidence for such a conclusion. Despite GDP forecasts above zero percent, economists, on average, are forecasting a 50% probability of a recession in 2024. Bankers have a good insight into their client’s business models and personal goals.

How To 195

How To St. Louis Lending Marketing 195

Perficient

FEBRUARY 16, 2021

The Fed’s Comprehensive Capital Analysis and Review (“CCAR”) stress tests are designed to ensure that large banks are able to lend to households and businesses even in a severe recession. The Federal Reserve has both a Baseline Scenario and a Severely Adverse Scenario.

Exercises 309

Exercises Capital Analysis Lending 309

South State Correspondent

OCTOBER 4, 2023

In a low-growth business environment, community banks must focus on retaining, extending, and protecting their most profitable relationships, augmenting profitability on the average relationships, and actively shedding those relationships that cannot be converted to profitability.

Community Bank 195

Community Bank Community Capital Comparison 195

Perficient

MARCH 3, 2022

Federal bank regulators work together to design Comprehensive Capital Analysis and Review (“CCAR”) stress tests that are designed to ensure that even in the case of a severe recession, significant banks can lend to households and businesses. Severely Adverse Scenario. dollar against those countries’ currencies.

Capital 294

Capital Regulation Exercises United States 294

BankInovation

FEBRUARY 23, 2023

Those who remain after the layoffs face another challenge: Facilitate growth in a world where “inflation” and “recession” are buzzwords in every conversation. As of September 2022, more than 52,000 workers in the tech industry alone have faced job cuts. Regardless of experts […]

Strategy 52

Strategy Industry Security 52

South State Correspondent

APRIL 9, 2024

The primary reason for this shift is not a change in borrowers’ business models or banks’ preference for repricing term loans, but rather, borrowers’ decision to seek short-term financing in anticipation of the Federal Reserve embarking on an interest rate cutting cycle. How did the borrower fare in that scenario?

How To 195

How To Community Community Bank Marketing 195

South State Correspondent

MAY 30, 2023

This is the time for bankers to offer loan structuring solutions to help customers solve business problems, mitigate risk, and manage balance sheets and cash flows. Why not wait for the Fed to start lowering rates to refinance: Lenders need to remind borrowers that the Fed lowers rates in a recession.

Examples 195

Examples Course Community Management 195

South State Correspondent

DECEMBER 11, 2022

Instead, lenders need to analyze a customer’s balance sheet, cash flow, and business model to structure products that insulate customers from adverse outcomes, regardless of what interest rates may do in the future. Should I wait for the Fed to start lowering rates because of a recession to finance my assets?

How To 195

How To Community Community Bank Examples 195

South State Correspondent

APRIL 20, 2020

Community bankers are busy serving their customers and protecting their balance sheets as we respond to the Coronavirus pandemic and the resulting economic havoc. We cannot pretend to know precisely how the medical development of

Community 195

Community Strategy 195

PYMNTS

JUNE 8, 2020

is in a recession, the nation’s scorekeepers made it official on Monday (June 8). NBER defines a recession as a “significant decline in economic activity spread across the economy, normally visible in production, employment and other indicators. business cycles dating back to 1854,” NBER said.

US 142

US National Report 142

Abrigo

MARCH 2, 2023

Banking technology decisions now affect future growth With the possibility of a recession, community financial institutions may consider a delay or cut in technology spending. Possible recession Shouldn’t financial institutions reduce expenses? Experts say that would be a mistake. Don’t be Southwest Airlines.

Technology 195

Technology Lending Community Software 195

South State Correspondent

APRIL 22, 2024

The paper concludes that quarter-ahead recession forecasts are fairly accurate, but the economists’ precision of forecasts beyond one quarter falls dramatically. The graph below shows the precision of recession forecasts over a four-quarter forecast horizon. Louis ( HERE ) studied the predictive prowess of economists.

Marketing 195

Marketing St. Louis Analysis Study 195

Perficient

FEBRUARY 22, 2023

I’m sure this isn’t the first opinion piece you’ve read where someone has laid out the trends that you must follow to be successful in your business. I can’t tell you the exact trends that you must follow because I will never know your business as well as you do. How did they achieve such success through adversity?

Trends 275

Trends Customer Experience Case Study Data 275

South State Correspondent

JULY 26, 2023

The bigger risk to community banks’ business model is not a moderate recession induced by aggressive interest rate increases by the Federal Reserve. Bankers must provide structure, payment terms, conditions, and maturities based on the borrower’s personal situation and business needs.

Community Bank 195

Community Bank Community Strategy Atlanta 195

Bank Innovation

JULY 23, 2019

For small businesses looking to grow, access to capital is critical for success. The obstacle for many of these companies is big banks’ reluctance to approve loan applications from small businesses, particularly since the last recession.

Capital 170

Capital Company Innovation Strategies Strategy 170

Bank Innovation

JULY 23, 2019

For small businesses looking to grow, access to capital is critical for success. The obstacle for many of these companies is big banks’ reluctance to approve loan applications from small businesses, particularly since the last recession.

Capital 170

Capital Company Innovation Strategies Strategy 170

South State Correspondent

MARCH 16, 2020

Unlike the recession of 2008, where the economic impact came over many months, this pandemic impacted businesses in weeks providing much less time to prepare and adjust. If your bank is treating this as businesses as usual, then you are putting your survival at risk.

System 259

System 259

PYMNTS

SEPTEMBER 21, 2020

Digital small business insurance provider Next Insurance is negotiating an arrangement to bring in new capital that would reportedly value the FinTech upstart at $2.25 The firm provides small businesses ranging from personal trainers to general contractors with policies. Cape Debuts 'Recession Fighting' Credit Card.

Resources 223

Resources Capital Fintech Cards 223

Jeff For Banks

MARCH 21, 2024

Our lives changed forever from this whole experience of the government’s declaration of a national emergency, leading to forced shutdowns of businesses and schools, mandated mask wearing, forcing 6-foot distances between people, travel restrictions, fear mongering with case and death counts, and forced vaccines/boosters. 25% in 1Q22.

Marketing 146

Marketing Policies Report Atlanta 146

South State Correspondent

DECEMBER 5, 2023

The market is the best predictor of future interest rates, but it generally gets it wrong, especially during inflection points – before or after a recession or when the Fed Reserve is actively managing monetary policy. Lenders should always point out that in a recession, liquidity is scarce, cash flow is compromised, and credit spreads widen.

Lending 195

Lending Marketing Capital Community Bank 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. Loan grading will need to be tweaked and specific sectors may need to be treated differently in the face of a recession. Mitigate credit risk and drive growth – even in a recession.

Management 195

Management Risk Management Trends Industry 195

Gonzobanker

JULY 29, 2021

Here’s the real bummer: all of this curtailed revenue is happening at the same time as banks face extreme pressures to reimagine their businesses around digital, analytic and automation technologies. Big long projects need to give way to continuous sprints that are laser-focused on specific business outcomes. Really bad idea.

Resources 158

Resources Strategy Management Community Bank 158

South State Correspondent

APRIL 4, 2024

Cyclical economic changes are driven by business cycles. Secular changes occur over many business cycles, tend to be slow-moving, and are more difficult to manage with business strategy. Community banks’ focus on business banking must adapt to offer more sophisticated products to larger business clients.

Risk Management 195

Risk Management Community Bank Policies Community 195

Payments Source

MAY 21, 2020

Unlike past economic recessions where businesses and consumers have had to adjust their payment habits and debt levels over the course of months or quarters as the economy shrank, the coronavirus-induced economic crisis has forced many to make much more abrupt financial adjustments.

Course 160

Course Payments Cards Retail 160

South State Correspondent

APRIL 4, 2022

We feel that too many factors influence the shape of the yield curve to conclude that an inversion is portending a recession – although a recession is coming, we do not know when but they always come.

Lending 195

Lending How To Community Bank Community 195

PYMNTS

AUGUST 27, 2019

Talk of a financial recession and a weaker global economy continues to grow, and central banks are keeping a close ear on the chatter. corporates remain in growth mode, with the Citizens Business Conditions Index remaining above 60 – an index above 50 is considered reflective of corporate expansion and improved business conditions.

Analysis 129

Analysis Report Survey Marketing 129

PYMNTS

JANUARY 10, 2020

that are losing money is nearing 40 percent, which is the highest level since the 90s outside of a recession, according to a report by The Wall Street Journal. This time, there are no recessions and stock market indexes are at near or almost record highs. This proportion went up after the last two recessions and didn’t fall back down.

Company 171

Company Report US Maine 171

Abrigo

MARCH 27, 2020

Key Takeaways Three out of four bankers expect a recession will last at least two quarters Economic uncertainty has shifted questions regarding estimating the allowance for credit losses under CECL Managing troubled loans and liquidity top bankers' list of concerns.

Management 195

Management Operations Course Tools 195

PYMNTS

NOVEMBER 10, 2020

During this period of economic recession and job loss, reopening and reinvention, with new infection hotspots popping up weekly, starting a new business sounds somewhere between slightly iffy and totally bonkers. Given those figures, there’s clearly demand (thus opportunity) for new businesses to emerge from the COVID crucible.

Maine 227

Maine Maryland Study Report 227

Gonzobanker

FEBRUARY 1, 2023

Where else can somebody find 1,700 banking industry leaders dressed in business attire at 7:30 a.m. Let’s Schedule a Quick Recession It’s almost humorous how the business world is hoping to slip in a quick, light recession in 2023 like they’re dropping by the gym for cardio. on a Sunday morning?

Arizona 147

Arizona Kansas City Industry Phoenix 147

TheGuardian

SEPTEMBER 22, 2020

City says economic fightback is running out of steam as new restrictions are announced Coronavirus – latest updates See all our coronavirus coverage Britain’s economy is heading for a prolonged recession lasting until next spring as the number of coronavirus infections climbs and tougher restrictions are introduced to contain the virus.

America 87

America Policies 87

PYMNTS

MARCH 29, 2020

As a potential recession lurks, FinTechs, traditional banks and other financial institutions (FIs) are tightening the reins on loans to small businesses and households with shaky credit, The Wall Street Journal reported Saturday (March 28). Square and On Deck Capital are among the FinTechs planning to follow suit in the coming days.

America 198

America Capital Cards Lending 198

PYMNTS

JANUARY 17, 2019

Chief executives across the globe are bracing for a recession on the horizon, but when it comes to CEOs in the U.S., While globally, CEOs ranked a looming recession as the biggest risk, that isn’t keeping domestic CEOs up at night. Instead, competition came in second, with a recession in third place. Asia and Europe.

Conference 170

Conference Survey Regional America 170

PYMNTS

SEPTEMBER 29, 2020

EU Businesses Could Face Historic Recession. Intrum's new European Payment Report illustrates a shaken European economy in which many businesses in the bloc are engaging in the necessary measures to get ready for a recession.

Payments 189

Payments Regulation Capital Online 189

PYMNTS

MAY 29, 2020

in May, hitting its lowest level since the recession year of 1982 as the COVID-19 pandemic slammed business confidence. Order backlogs likewise tumbled 28 percent to their lowest level since March 2009 during the Great Recession. The widely watched Chicago Purchasing Managers Index fell to 32.3 Another 22.9

Chicago 130

Chicago Management Survey Report 130

PYMNTS

JULY 23, 2020

Begor said in the statement , “Equifax delivered its second consecutive quarter of strong, double digit revenue growth and margin expansion, driven by our Workforce Solutions income and employment business which had its strongest results in over 10 years, even with the challenging economic impacts of the coronavirus pandemic in the quarter.

Report 145

Report Data Management Marketing 145