South State Correspondent

MAY 2, 2023

Bank executives that measure and manage the balance sheet based on the fair value of assets and liabilities invariable will change risk behavior, compensation structures, and capital allocation for the long-term benefit of shareholders. At its basic premise, FTP distributes banking profit between lending and deposits.

Lending 195

Lending Capital Management Tools 195

Celent Banking

MARCH 30, 2016

Last week, I participated in a Finextra webinar on the topic of “Connected Credit and Compliance for Lending Growth” with panelists from ING, Vertus Partners, Misys and Credits Vision. Cost of compliance. Changing client expectations. Competition from new entrants.

Lending 100

Lending Compliance Training Capital 100

South State Correspondent

APRIL 10, 2023

Nonetheless, with the recent collapse of sizeable regional banks, regulators, investors, analysts, accountants, and bankers are now scrutinizing the fair value of banks’ securities and loan portfolios. First Republic’s fair value adjustment (decrease) for all loans at year-end was $22B, greater than the bank’s total Tier 1 capital of $17.5B.

Community Bank 195

Community Bank Community Security Capital 195

PYMNTS

OCTOBER 4, 2019

An Egyptian firm landed the MENA region’s largest-ever seed round, a California company proved U.S.-based based alternative small business lending isn’t dead with investors and an India startup landed more than half a billion dollars. India-based expense management startup Fyle announced $4.5

Capital 128

Capital Lending California Regional 128

Abrigo

NOVEMBER 2, 2016

Analysts examined banks with at least 25 percent of deposits held in oil- and gas-dependent counties in order to investigate the impact of direct lending to local oil and gas firms and indirect lending to companies servicing the sector. Lower energy prices have had only a modest effect on banks’ profitability and capital adequacy.”

Comparison 150

Comparison Regional Study Risk Management 150

South State Correspondent

JANUARY 4, 2023

Because many banks are now producing below their cost of capital, growth further exacerbates their issues and drives them out of business (likely through a sale) faster. Without the windfall of profit accrued to banks in 2022 because of faster-than-expected rate increases, banks will need to be better allocators of capital.

Community Bank 195

Community Bank Capital Training Lending 195

PYMNTS

JANUARY 15, 2019

central bank, is getting a bit worried about sharing some of the financial infrastructure with tech upstarts such as OnDeck Capital and Kabbage , a sense of caution that the newswire said puts the bank “at odds with other regulators looking to bring [those firms] into the fold.”. Reuters reported early Monday (Jan.

Fintech 148

Fintech St. Louis System Regulation 148

PYMNTS

JUNE 7, 2016

With an eye on what could be called a true greenfield opportunity, alternative lending platform Biz2Credit is launching its small business lending products in India.

Online 100

Online Lending Course Risk Management 100

Bobsguide

JUNE 14, 2022

Users will benefit from advanced treasury and risk management capabilities. The combined solution, available in the cloud or on-premise, is available to clients in France and the Benelux region, with the potential to expand into other geographies in the future.

Analytics 60

Analytics Risk Management Compliance Regional 60

American Banker

OCTOBER 18, 2023

The Rhode Island-based bank is bolstering its cash position in the face of worries about office loans, stricter capital requirements for regional lenders and the possibility of economic shock from overseas conflicts.

Rhode Island 46

Rhode Island Regulation Regional Capital 46

Gonzobanker

NOVEMBER 2, 2023

Pillar #2: Leaders Transcend Daily Hustle to Build New Systems Most regional and community banks grew up executing the fundamentals with sheer hustle and hard work. Smarter Bank leaders have an eye for designing and building new systems that align people, processes and technology and that leverage data and intellectual capital.

Leadership 158

Leadership Industry Management Resources 158

South State Correspondent

AUGUST 21, 2022

Eliminate Interest Rate Risk: Eliminate margin compression when interest rates rise. 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

How To Community Bank Community FDIC 195

PYMNTS

NOVEMBER 7, 2018

That growth was outpaced by a record number of applications, up 30 percent year on year, as LendingClub looks to spur “awareness” of the benefits of fixed-rate lending in an era where interest rates are on the rise. The company said it had loan originations of $2.9

Taxes 159

Taxes Management Risk Management Capital 159

Insights on Business

NOVEMBER 19, 2018

Both fintech firms and traditional enterprises are on the brink of significant disruption as companies leverage the rapid insights generated by AI in banking to drive demonstrable outcomes in customer experience, risk management and cost efficiency. The caveat: There are winners and losers in this forward-thinking revolution.

Compliance 177

Compliance Regional blockchain Technology 177

Abrigo

OCTOBER 9, 2019

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. Both CECL and stress testing take top-down and bottom-up approaches to test the capital adequacy of a financial institution. Portfolio Risk & CECL. Credit Risk.

Data 150

Data Exercises Software Tools 150

Gonzobanker

DECEMBER 17, 2021

From nowhere, sizable regional players are being created. million gets the vaunted consumer lender a much-prized bank charter, low-cost deposits to juice current earnings, and a business lending capability to drive future growth. Performance and multiples continue to be solid, outperforming most regional banks. Has to be M-O-E.

Fintech 147

Fintech Strategy Leadership Lending 147

PYMNTS

OCTOBER 1, 2018

The DOJ investigation centered on whether LendingClub had – between January 2009 to September 2010 – misled its FDIC-insured loan originator, WebBank , leading the bank to underwrite over 200 loans that did not conform to the bank’s lending requirements. lending marketplace. Attorney Alex Tse. “We The Response.

Lending 135

Lending Fraud Management San Francisco 135

Gonzobanker

DECEMBER 20, 2019

The company’s market capitalization, which after declining to less than $600 million in the 2009 recession, has now grown to almost $3 billion. Yet the Gonzo team has to give a shout out to the late entry of Texas Capital and Independent Bank. The Tech Award – Goes to Capital One. Best of luck in the next chapter, Chris!

Idaho 148

Idaho Conference Data Marketing 148

Gonzobanker

DECEMBER 14, 2023

Not the financial industry’s “Troublemakers ” – those regional and community banks, credit unions and supporting fintech entrepreneurs who continue to engage customers and communities and find niches that keep the grassroots of our country’s financial system alive and kicking. billion bank in the Mid-Atlantic region.

Fintech 195

Fintech Community Regional Technology 195

PYMNTS

FEBRUARY 4, 2020

Grab’s financial services sector currently operates in Southeast Asia, with services like payments offered by GrabPay, rewards with GrabRewards, lending with GrabFinance, and insurance with GrabInsure. The company serves a long list of micro-entrepreneurs, small business owners, driver partners and users in the region.

Regional 131

Regional Risk Management Digital Banking Management 131