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Climate and capital: some outstanding issues

BankUnderground

There is a lively debate about whether and how capital regulations for banks and insurers should be adjusted in response to climate change. Incorporating climate-related risks into the capital regime will require a reliable methodology to measure these risks. Marco Bardoscia, Benjamin Guin and Misa Tanaka.

Capital 103
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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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Community banks are thriving in Texas

Independent Banker

This region has the kind of energy that draws people to a place and helps them and their businesses thrive. Corporate relocations and expansions—influenced by factors like affordability, low corporate tax rates, no personal income tax and a rich talent pool—have contributed to a momentum that isn’t likely to subside soon.

Texas 182
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Fintech Deals to Watch: Back to School

Gonzobanker

Deals are still happening and — at this writing — the “student intervention” after the unfortunate alumni mixer event seems to have taken (fintech industry valuations improving a bit off their lows and fintech companies more focused on explicit utility value in the here-and-now).

Fintech 184
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How To Sell Prepayment Provisions In Commercial Loans

South State Correspondent

If banking had an Olympics, creating loan value would be an event. the Banker also explains that the borrower may be best served by a fixed-rate loan if the borrower has a long-term need for the debt capital and/or believes rates are going up. The greater the volatility, the greater the probability of losing this loan in the future.

How To 195
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Reaching The Apex Of Data Via Scrubbing

PYMNTS

APEX Analytix , which focuses on supply chain management and optimizing the use of working capital, late last month announced the newest release of its FirstStrike SmartVM, which is software geared toward sourcing, scrubbing and simultaneously cleaning data that flows across corporate clients’ transoms about their suppliers. ”

Data 100
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10 Data-Driven Ideas To Increase Branch Engagement

South State Correspondent

For others, it might be fixing problems, aiding in retention, increasing customer satisfaction, gathering customer intelligence, or providing a meeting place for face-to-face interaction for events. Banks should have a clear and stated set of measurable objectives for their branches and then allocate capital accordingly.

Data 195