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Go Where No Operations Department Has Gone Before – Instant Settlement

Perficient

The front office is screaming down to the Settlement Office, “Operations, we need more capital!” Any operations team that has dealt with a stock loan trading desk can contest the inherent friction between providing more available securities to the desk and reliance on settlement cycles and market constraints.

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These Are Your Most Profitable Cash Management Clients

South State Correspondent

The treasury or cash management customer is usually a bank’s most profitable customer on a risk-adjusted basis ( HERE ). In this article, we discuss cash management profitability and rank the most profitable industries for banks to go after. As such, operating accounts have low-interest rate sensitivity.

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Bank Value: Here is a Better Way to Calculate and Manage

South State Correspondent

The Better Way to Calculate Value: Customers and Product If you lower deposit rates in this market, you will likely lose customers to competition that may be paying 5% or greater. If you know the cumulative lifetime value of each customer and each product, you are on the precipice of having one of the most profitable banks in the market.

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Managing Interest Rate Risk With a Bank Loan Term Sheet

South State Correspondent

The loan leverage ratio is 10.83 (total debt divided by net operating income (NOI)). The requirement for interest rate hedging is a risk mitigation step to stabilize the borrower’s largest expense – senior debt payments. This loan was underwritten to 1.20X debt service coverage ratio (DSCR), 76% loan-to-value (LTV), 9.2%

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Virtual Cards Help Companies Manage Spend In Real Time

PYMNTS

Most are encouraging employees to work from home while also moving their back-office operations online, and payments operations are no exception. Around The B2B Payments For The Virtual Workforce World. RLJ Financial On Managing B2B Spend With Virtual Cards. Forty-five percent of all employed persons in the U.S.

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JPMorgan Consolidates SMB, Enterprise Payment Operations

PYMNTS

JPMorgan Chase is planning the consolidation its corporate payment operations by combining small business (SMB) and large enterprise solutions, the Financial Times ( FT ) reported on Thursday (Jan. The combined entity will be called the Wholesale Payments unit. JPMorgan also noted preparing its bankers and U.K.

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A Bank Automation Summit Preview: Dissecting the Intersection of Real-time Payments and Automation

Perficient

The payments industry is no different, and we’re quickly approaching a new intersection point due to the Real-time Payments’ movement into the US. These days, as the US prepares to embrace real-time payments in 2023, the intersection of real-time payments and automation has become a key point of discussion.