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How the OCC risk governance framework applies to community banks

Abrigo

In September, the Office of the Comptroller of the Currency (OCC) published final guidelines designed to “strengthen the governance and risk management practices of large financial institutions.” While the final guidance clearly applies to larger financial institutions, community banks should still take note.

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How to Choose a Hedge Provider as a Bank

South State Correspondent

Last week we wrote about loan-level vs. balance sheet hedging for community banks and provided our loan proposal generator ( HERE ). We compared and contrasted the two strategies and sized the market for community banks. A community bank may transact one or only a few balance sheet hedges over many years.

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How to reduce the regulatory burden on community banks

Abrigo

In recent months, the momentum around reducing the regulatory burden on the nation’s community banks has continued to gain steam. However, the regulatory landscape continues to evolve, leaving resource-constrained community banks to cope with new demands. The second idea is community bank exemption from the Volcker Rule.

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Community Banking According to Andy

Jeff For Banks

This is not a high level of revenues to handle all the expenses involved with operating a troubled banking organization at the time. 14/ @Schornack Strong expense management structures allow the SMB more flexibility then to further invest in strong staff and improved client experiences. 12/ @Schornack So this was my charge.

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How to Set Your Strategic Planning Time Horizon

South State Correspondent

For example, at present, return on equity performance is about 12% for the average community bank. Research & development, product design, human capital and brand building is usually a next year item when it should be a next decade exercise. Bank management is hyper-focused on net interest margin. Why is that?

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6 Keys to Success in your Adult Life

Perficient

The 6 Keys to Success as an Adult are: Effectively Manage your Time. Effectively Manage your Money. ” Effectively Manage your Time. This is why you need to effectively manage your time. Effectively Manage your Money. The ideal management of money is at the heart of capitalism. You are disappointed.

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Why now is the time to update your bank’s corporate governance

Independent Banker

During the pandemic, many community banks needed to change how they operated. For this and other reasons, now is a good time to review and refresh articles, bylaws and committee charters to ensure resilience and bolster risk management. But if they see it as a risk management tool, it’s a game changer. By Susan Springer.

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