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The importance of balancing loan portfolio growth and risk management

Abrigo

But how can this growth be managed appropriately? Community banks certainly want to remain conservative with risks and follow regulations. ” Banks understand the need to regularly specify and quantify portfolio risk, and remain cognizant of the impact new loan commitments have on the balance sheet.

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10 Reports every bank and credit union should run NOW

Abrigo

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).

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Federal Reserve Board Launches “Consumer Compliance Supervision Bulletin”

CFPB Monitor

Aimed at “senior executives in banking organizations,” the Bulletin is published by the FRB’s Division of Consumer and Community Affairs with the intent to provide high-level summaries of various consumer protection issues and to enhance the transparency of the Federal Reserve’s consumer compliance supervisory program.

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Predicting the Next Banking Crisis Is a Fool’s Game. Not Learning From the Last One: Equally Foolish

Jeff For Banks

More recently and by comparison, the mortgage meltdown and subsequent global financial crisis took down more than 500 banks between 2007 and 2014, with total assets of nearly $959 billion. The old borrow short, lend long strategy. Although community banks did not lend to sub-prime borrowers in any meaningful way, did we participate?

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Uncovering the Hidden Efficiencies in Loan and Deposit Operations

Gonzobanker

Peer comparison metrics can be a valuable tool for evaluating staffing levels relative to production and portfolio volumes. One of Cornerstone’s community bank clients uses RPA to reverse temporary daily POS limit increases, which its related bank system does not permit, eliminating a formerly manual daily process.

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A Year in Financial Models, Fintech Valuations, Super Apps, Big Tech, Decentralized Finance, the…

Lex Sokolin

Here are some 2020 highlights… Financial Models and Valuations for Neobanks, Digital Wealth, and Coinbase How Monzo, Revolut, and Starling get to break-even, and comparison with WeChat and Facebook. A long take that nobody in DeFi will read, but there is a deep grain of insight here about the failure of P2P lending and crowdfunding models.

Fintech 52
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A Year in Financial Models, Fintech Valuations, Super Apps, Big Tech, Decentralized Finance, the…

Lex Sokolin

Here are some 2020 highlights… Financial Models and Valuations for Neobanks, Digital Wealth, and Coinbase How Monzo, Revolut, and Starling get to break-even, and comparison with WeChat and Facebook. A long take that nobody in DeFi will read, but there is a deep grain of insight here about the failure of P2P lending and crowdfunding models.

Fintech 52