Abrigo

SEPTEMBER 10, 2015

In the past, the NCUA had very specific criteria and limits for underwriting,” said Elizabeth Williams, managing director of portfolio review and consulting firm CEIS Review Inc. Now they want to remove many of the specific requirements and let each credit union define its own acceptable risk appetite.

Risk Management 150

Risk Management Lending Management Resources 150

Abrigo

FEBRUARY 6, 2024

Where to begin Develop a member business lending strategy Developing a sound MBL strategy, or tightening an existing one, can help credit unions achieve long-term success in managing member business lending risks. The NCUA has emphasized the importance of considering the industries and loans the credit union plans to fund.

Lending 221

Lending How To Risk Management Policies 221

Abrigo

APRIL 25, 2024

The data below outlines SMB loan origination trends, delinquencies on SMB loans (90+ Days Past Due, or DPD), and changes in the average loan sizes for various industries. Almost half sought credit to grow their businesses, and 28% applied to make repairs or replace capital assets. A majority of applicants sought less than $100,000.

Lending 221

Lending Trends Capital Strategy 221

South State Correspondent

APRIL 4, 2024

Secular changes occur over many business cycles, tend to be slow-moving, and are more difficult to manage with business strategy. However, because bank capital has an average expected life of 15 to 20 years, bank managers must gauge and react to secular changes that will impact their business model.

Risk Management 195

Risk Management Community Bank Policies Community 195

Abrigo

JUNE 5, 2023

Banking reports to inform risk management and strategy These reports on capital, growth, and liquidity help financial institutions spot warning signs. They help manage and shape strategy in volatile economic and industry conditions. the Community Bank Leverage Ratio (CBLR) and the minimum Tier 1 leverage ratio).

Report 195

Report Risk Management Capital Data 195

Perficient

MAY 27, 2022

However, in this blog, we will discuss the regulatory landscape surrounding cryptocurrency from an asset manager or fund manager perspective. New York’s BitLicense requirement therefore applies to investment managers who issue digital coins or otherwise act as an exchange platform regardless of where the buyers are located.

cryptocurrency 332

cryptocurrency Regulation Management Bitcoin 332

South State Correspondent

APRIL 23, 2024

Banking has a similar physics problem when management juggles strategy, risk/profitability, and customer behavior. This article will discuss the challenge of managing three potentially opposing forces and look towards physics to help us solve the mystery. Here, customer behavior is known, monitored, and managed.

Risk Management 195

Risk Management Strategy Management Customer Experience 195

Abrigo

NOVEMBER 12, 2023

Support credit risk management Understanding loan covenants, when financial institutions should use them, and how to monitor them supports strong lending portfolios and credit risk management best practices. Takeaway 2 Capital, performance, and administrative covenants are common with business loans.

Risk Management 221

Risk Management Lending Policies Management 221

Abrigo

DECEMBER 22, 2023

Takeaway 2 The top lending and credit blog posts focused on the benefits of banking technology, interest rate management, and developing risk ratings. They’ve also focused on managing interest rate risk in a rising rate environment. The institution can more easily capitalize on opportunities and avoid unnecessary risk.

Lending 221

Lending Risk Management Community Management 221

CB Insights

OCTOBER 29, 2021

Hyperproof , an enterprise governance, compliance, and risk management technology provider, has raised $16.5M The investor in this round was Toba Capital. The post Hyperproof, An Enterprise Governance, Compliance, And Risk Management Technology Provider, Raises $16.5M in a Series A. Employee headcount stands at 51.

Risk Management 63

Risk Management Compliance Management Technology 63

Abrigo

AUGUST 2, 2023

Takeaway 2 Financial institutions have been taking a three-pronged approach to identifying and quantifying risks associated with their CRE segments. Takeaway 3 Financial institution management can focus on mitigating risk and understanding portfolio dynamics when the analysis is streamlined. See how in this whitepaper.

Report 195

Report Risk Management Lending Analysis 195

Abrigo

AUGUST 5, 2020

Now, banks and credit unions must determine how to safely and effectively manage risk in the portfolio while also driving growth at their institution. Therefore, it’s essential that the credit memo captures the complete picture of the borrower to ensure proper risk management. Improving loan grading in a recession.

Management 195

Management Risk Management Trends Industry 195

PYMNTS

DECEMBER 21, 2020

Like many venture capital companies in the payments space, Serent Capital has had a busy year. It has closed several new deals with high-growth early-stage firms in several industries, ending the year with two major announcements. 15 with the announcement of the launch of its fourth fund, Serent Capital IV — at $750 million.

Capital 199

Capital Payments Software Fintech 199

South State Correspondent

JUNE 9, 2015

Now that the economy has healed, liquidity is plentiful and bank performance is on the verge of getting back to normal, we thought we would revisit what a bank’s capital structure looks like and the associated loss given defaults for each.

Capital 150

Capital Risk Management Industry Management 150

Perficient

MAY 28, 2020

The Utilities industry is facing enormous change along with the rest of the world due to Covid-19 and its effects on commercial and residential consumption of energy. The industry has had to learn quickly to juggle demand and workforce planning. Using Oracle Data & Analytics to Manage Business Decisions .

Analytics 340

Analytics Customer Experience Risk Management Innovation 340

Abrigo

DECEMBER 23, 2022

Blog posts to help your asset/liability management (ALM) staff strategize for the future These ALM posts were the most popular in 2022. Our top ten blogs were created by Abrigo's team, which includes former bankers, regulators, and industry experts. Read for a review of methods FIs use to measure short-term risk.

Resources 195

Resources Risk Management Study Strategy 195

Abrigo

NOVEMBER 11, 2019

ALM | 4 minute read Key Takeaways Many financial institutions view asset/liability management as a "check-the-box" regulatory exercise. An extreme focus on using ALM to manage the risk of rising rates means some FIs overlook using ALM to grow earnings and capital, putting them at risk of underperformance.

Management 150

Management FDIC Community Risk Management 150

Bobsguide

APRIL 19, 2022

Following CompatibL’s recent win at Risk.net’s Markets Technology Awards 2022, Alexander Sokol spoke about the advantages of the new machine learning models for portfolio validation and risk management. Click here to tune in to the podcast: [link].

Technology 147

Technology Marketing Risk Management Capital 147

PYMNTS

OCTOBER 7, 2020

RootAnt has said that it will use the capital to expand in Singapore, Southeast Asia and Japan. In an interview with PYMNTS, Lincoln Yin , CEO of RootAnt, said the pain points being felt right now by SMBs in Asia are particularly in the travel, event and other industries. Thus, working capital challenges are mounting for these SMBs.

Risk Management 238

Risk Management blockchain Capital Data 238

Abrigo

JANUARY 28, 2016

The following is an excerpt from the Sageworks whitepaper "Optimizing Capital: Challenges and Opportunities for Financial Institutions". At the same time, top executives and managers at banks and credit unions know that customers cannot be served well if the financial institution is struggling to survive. They may include: 1.

Capital 150

Capital Texas Risk Management Management 150

PYMNTS

FEBRUARY 13, 2020

Wells Fargo Strategic Capital (WFSC) is backing the London-based blockchain analysis firm Elliptic with a $5 million investment, bringing the startup’s Series B round to $28 million, Elliptic announced in a press release on Thursday (Feb. WFSC joins existing investors SBI Group and Santander InnoVentures.

Analysis 250

Analysis blockchain Risk Management cryptocurrency 250

South State Correspondent

MARCH 19, 2024

The banking industry is unlike many other industries when analyzing how cross-sell drives profitability. For the banking industry upselling and cross-selling have a high and disproportional impact on profitability. In the banking industry, the time factor is extremely important.

Community Bank 195

Community Bank Community Industry Cards 195

Abrigo

DECEMBER 14, 2023

Learn how to tap your data to generate management insights. The following steps can help narrow it down and focus your goals: Send out a simple, future-oriented survey to the board and executive management (read on for sample questions) to determine strengths, weaknesses, opportunities, and threats to your financial institution.

Lending 221

Lending Risk Management Meeting Survey 221

South State Correspondent

FEBRUARY 27, 2024

Treating all credit facilities equally by setting minimum credit spreads regardless of size, term, cross-sell opportunities, lifetime value, and credit quality leads to misallocation of capital and substandard return on assets (ROA) and return on equity (ROE). Bankers need to manage credit relationships to ROA/ROE and not credit spreads.

How To 195

How To Community Bank Community Management 195

Abrigo

JUNE 11, 2021

Measuring Interest Rate Risk Can Vary by Institution Interest rate risk measurement plays a key role in ensuring an institution's safety and soundness. Would you like other articles on asset/liability management in your inbox? FDIC) noted in its 2021 Risk Review.

How To 195

How To Risk Management Analysis Kansas City 195

Abrigo

MARCH 3, 2021

It should provide management with accurate and timely credit quality information for financial and regulatory reporting purposes, including the determination of an appropriate allowance for loan and lease losses (ALLL). Has the borrower’s industry been significantly impacted, such as a bar or restaurant operating at limited capacity?

Analysis 195

Analysis Risk Management Lending Training 195

American Banker

JANUARY 19, 2024

A common concern in housing finance reactions has been the lack of accommodation for strategies routinely used to manage credit, rate and liquidity exposures.

Capital 28

Capital Industry Strategy Management 28

PYMNTS

SEPTEMBER 30, 2016

B2B startups saw a little bit of everything this week when it came to venture capital. And that goes for the industries covered, too, with treasury management’s Kyriba, blockchain’s BlockApps and enterprise security’s Druva landing on the board, to name a few. Expense Management. Blockchain.

Capital 100

Capital blockchain Management Lending 100

NCR

MARCH 1, 2016

As a result of the recession and market volatility, there has been a concerted effort in recent years throughout the banking industry to focus on a holistic approach to an institution’s overall risk management in order to achieve and sustain stability. Compliance Risk – The banking industry is highly regulated.

Risk Management 40

Risk Management Management Operations Meeting 40

South State Correspondent

JANUARY 30, 2024

Benchmarking can help banks better optimize capital as it gives bank management a sense of what the average is for the industry. As such, IT employees are expected to make up a larger percentage of total employees this year because of staff cuts and the increase of more information security, AI, and data management personnel.

Capital 195

Capital Operations Customer Experience Comparison 195

Abrigo

SEPTEMBER 13, 2021

Takeaway 3 The future looks brighter, as financial institutions have cash and capital, and opportunities are starting to unfold. FDIC) released the latest Quarterly Banking Profile recently, and it has some helpful information on industry trends. Cash and capital as opportunities unfold. Portfolio Risk & CECL.

FDIC 195

FDIC Lending Capital Trends 195

Bobsguide

MARCH 21, 2022

These awards will be decided by an industry-wide vote. Igor Tsitavets, CompatibL’s President and CEO, says: “We are honored to be shortlisted at this year’s FTF News Technology Innovation Awards. Show us your support and vote for CompatibL here: [link]. Voting will close on April 22. About the FTF News Technology Innovation Awards.

Innovation 147

Innovation Technology Risk Management Analytics 147

South State Correspondent

JUNE 13, 2022

Banks that are looking to enhance their risk management practices should consider incorporating the concept of the velocity of risk into their enterprise-wide risk management practices. Some risks occur slowly; others strike quickly and hard. Optimizing Risk. Velocity and Residual Risk.

Risk Management 195

Risk Management Examples social media Management 195

PYMNTS

SEPTEMBER 15, 2020

In such a complex payments ecosystem, merchants have identified the value in diversifying their risk through embracing multiple solution providers partners, including multiple banking services providers. Through offering a single interface to manage all banking relationships, merchants can optimize management of finances and payments.

Payments 299

Payments Risk Management Management Compliance 299

Gonzobanker

NOVEMBER 2, 2023

In the throes of managing balance sheets and loan portfolios and at the same time executing daily “run the bank” operations, bankers are faced with the need to continuously develop new customer experiences and scale enterprise capabilities. That’s the new DNA we need to increase across the banking industry.

Leadership 158

Leadership Industry Management Resources 158

PYMNTS

SEPTEMBER 25, 2019

An explosion of FinTechs looking to fill the gaps left across under-banked and under-financed populations, including, in many markets, small businesses, has watchdogs exploring how to promote financial inclusion and access to capital while maintaining borrower protection. Data Solutions For Data Problems.

Compliance 117

Compliance Risk Management Lending Regulation 117

Abrigo

JULY 27, 2023

Regtech is simply the use of technology such as AI, machine learning, natural language processing, and blockchain to improve the way businesses manage regulatory compliance. For example, in the pharmaceutical industry, manufacturers can use regtech to ensure that marketing complies with FDA requirements.

Technology 195

Technology Fraud Compliance Regulation 195