Remove Capital Remove Exercises Remove Marketing Remove Regional
article thumbnail

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.

article thumbnail

How to Choose a Hedge Provider as a Bank

South State Correspondent

We compared and contrasted the two strategies and sized the market for community banks. Meet Competitive Pressures: National and larger regional banks are specifically targeting better borrowers for seven, ten, or 20-year fixed-rate loans. This capital ratio is used to assess the possible riskiness of a hedge provider.

How To 195
Insiders

Sign Up for our Newsletter

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

article thumbnail

10 Data-Driven Ideas To Increase Branch Engagement

South State Correspondent

Likely, it might be a combination of the above, but setting a branching strategy should dictate capital allocation, branch layout, marketing, and staffing. Banks should have a clear and stated set of measurable objectives for their branches and then allocate capital accordingly.

Data 195
article thumbnail

Data-driven strategies for banks and credit unions: Start here

Abrigo

For example, say your management and board’s strategy for the upcoming year is to grow the CRE loan portfolio by 10%, and the institution needs to consider expanding into new markets to achieve this goal. Where are the majority of your borrowers and collateral located, and where should the institution concentrate its marketing efforts?

Strategy 195
article thumbnail

Stress Testing: Are the Results Guiding Your CECL Decision-Making?

Abrigo

Charge offs were close to zero for most banks since 2013, according to call report data from S&P Market Intelligence. Stress testing gives an institution a serious look into their capital and reserves, and if they possess enough of each to remain viable, should a recession hit.

Data 150
article thumbnail

Around The World With World Cup Commerce

PYMNTS

to the global advertising market, according to Zenith. In particular, it is looking to see how its advertising efforts are bolstering their attempt to grow its share of the mobile commerce market, as well as to encourage consumers to use their Visa cards, instead of cash, around the world. In Brazil, TVs Are The Hot Purchase.

Regional 109
article thumbnail

Global real rates, 1311–2018

BankUnderground

For instance, we can observe the apparent existence of two secular reversal periods, during which public capital markets broke from their general downward trend and entered lasting periods of higher real rates, ca.1320–1480, Liquidity and market integration back then. 1320–1480, and ca. 1520–1650, highlighted in Chart 2.

CA 115