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Why Diversification Fails at Banks

South State Correspondent

Regulators are focused on certain CRE concentrations and categories (such as office and multifamily). Risk/Return and Diversification We believe that there are three key reasons that diversification by geography and loan category does not enhance community banks’ resilience. Geographic diversification is difficult to achieve.

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Why Diversification Fails at Banks

South State Correspondent

Regulators are focused on certain CRE concentrations and categories (such as office and multifamily). Risk/Return and Diversification We believe that there are three key reasons that diversification by geography and loan category does not enhance community banks’ resilience. Geographic diversification is difficult to achieve.

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Behavioral Deposit Pricing – Optimizing the Three-Package Offer

South State Correspondent

We have discussed the importance of bundling or packaging deposit account services to speed up customer choices, increase profitability, and enhance deposit performance. Your account package offerings then look like the matrix below, which includes an upper-tier or “platinum package.”

Marketing 195
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Apple Earnings Blowout In FYQ1 Rides Success Of Connected Economy

PYMNTS

Apple saw double-digit growth in every product category for its fiscal 2021 first quarter ended Dec. 26, 2020, which drove revenue records in each geographic region and set an all-time high for its installed base of active devices. billion in sales for the category compared with $55.96 The service category grew to $15.76

Apple 236
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Best Practices for Implementing Oracle Fusion ERP Analytics

Perficient

If you set up descriptive flexfields in Cloud ERP, they will be included in the extract. The reason is that Oracle has provided a framework and set of wizards through which customizations to FAW will be made. What happens to them when Oracle updates the Oracle Cloud source application? Will my customizations stop working?”

Analytics 309
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Digital Bank HMBradley Raises $18.25M To Accelerate Credit Program

PYMNTS

HMBradley, described as “a digital banking platform for savers,” rewards account holders based on how much of their deposits they save each month, paying up to 3 percent interest on savings. HMBradley launched its high-yield savings accounts and direct deposits in March of 2020. HMBradley’s 3 percent APY is not a gimmick.

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How to Set Your Strategic Planning Time Horizon

South State Correspondent

In an ideal world, a bank should set its strategy first and then find the duration of capital to match. Most investors fall into this category. After that, you set your deposit tactics. Once you have your deposits set, then that will dictate what type of loans you can make. Finally, you can set your investment duration.

How To 195