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Strategic Loan Refinancing for Profitability

South State Correspondent

In an article last week ( Here ), we discussed how the higher-for-longer interest rate environment will affect the community bank sector. We argued that community banks must learn to improve performance in a low-growth environment for the foreseeable future. This is especially important when liquidity is scarce, as it is now.

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Optimizing Loan Duration

South State Correspondent

Customers and competitors are challenging community banks to extend loan duration – borrowers are eager to lock fixed rates before they rise further, and many competitors are happy to oblige. But what are the optimal fixed terms for community banks given today’s interest rate, credit, and liquidity environment? Market Expectation.

Lending 195
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Bank IT Spending – Use These Metrics to Improve Performance

South State Correspondent

Marketing and technology (IT) are two budgets that have taken the most significant hit. Benchmarking can help banks better optimize capital as it gives bank management a sense of what the average is for the industry. IT Investment By Category Perhaps the most helpful benchmarking data is to see where peer banks spend their IT capital.

Capital 195
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10 Reports every bank and credit union should run NOW

Abrigo

Banking reports to inform risk management and strategy These reports on capital, growth, and liquidity help financial institutions spot warning signs. Takeaway 2 Reports that assess capital, growth, and liquidity provide banking professionals data to drive decisions. Regulators review them to assess safety and soundness.

Report 195
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Automakers Rev Up Venture Capital Engine With 38 Investments in 2017

PYMNTS

As such, automakers are hitting the venture capital highway in droves. In the rideshare arena, InMotion , Jaguar Land Rover’s venture capital arm, invested $25 million in a $600 million funding round for Lyft in 2017. Beyond rideshares, InMotion Ventures also entered the self-driving taxi market with a $3 million infusion in U.S.-based

Capital 109
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Virtual communities and digital worlds

Lex Sokolin

Our communities and networks have become increasingly digital. That means that our physical communities are also our digital communities. People are not buying some abstract reductionist notion of “products”, they are economically participating in communities with counterparties native to those communities.

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Using P2P Payments To Bank More Of The Unbanked

PYMNTS

She said the global pandemic has simply advanced a movement that has been underway for years, which has sought to provide banking access and digital financial services to underserved communities, mostly through mobile devices. The Cash Culture.

Payments 206