South State Correspondent
FEBRUARY 20, 2023
Many existing community bank customers and prospects are also national bank customers. Community bankers must understand how and why the country’s largest banks compete for the most profitable local deposit and loan customers and be able to respond to that competitive threat. The same picture emerges for domestic deposits.
South State Correspondent
FEBRUARY 27, 2024
Objectives of Loan Pricing We believe that all national banks and most banks over $10Bn in assets (regionals) are using some version of a risk-adjusted return on capital (RAROC) loan pricing model. The national and regional banks originate about 85% of all domestic loans, and community banks hold the remainder.
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South State Correspondent
JANUARY 25, 2024
Forward Rate Lock Tools National lenders have been using locks for decades, and these instruments can take many forms. But this application also prevents competition from national banks after the construction and stabilization. The post How to Lock a Forward Rate on a Loan appeared first on SouthState Correspondent Division.
South State Correspondent
MARCH 16, 2022
To make it into the podium, bankers must not only understand how to work with structural components but how to position them for the most efficient application of the creation of value. In this article, we focus on prepayment provisions and look at how a past gold medal winner does it. This is by far the most common provision.
South State Correspondent
AUGUST 21, 2022
Meet Competitive Pressures: National and larger regional banks are specifically targeting better borrowers for seven, ten, or 20-year fixed-rate loans. One rule of thumb is that any derivative leverage ratio over 20 requires an expert understanding of derivatives and risk management (typically found at the national banks).
PYMNTS
FEBRUARY 14, 2020
In perhaps the most sweeping example, the member states of the United Nations have embraced, as part of “sustainable development goals,” a target to “provide legal identity for all, including birth registration,” by 2030. The result is a difficult challenge that must ask ‘how can you build a profile out of what is available?’”.
South State Correspondent
NOVEMBER 29, 2023
One of the lessons that was driven home at the recent American Banker Small Business Banking Conference in Nashville was the difference in marketing between large national banks and community banks, particularly deposit marketing. ” This article explores the recency trap and discusses how to prevent it.
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