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2024 TM Pricing Outlook: Exception Pricing Gains

With continued pressures on net interest income and competition for deposits, treasury management (TM) pricing is one of the quickest levers to pull to drive fee revenues and protect balances at risk of remixing to interest-bearing options. 

According to Curinos’ recent Commercial Analyzer Executive Summary, nearly two thirds of banks plan to increase overall TM prices by 3% or more, with a quarter seeking increases greater than 5% (see chart). While still robust, these numbers are down from 2023, when over 90% sought price increases of more than 3%. 

At the same time, a high number of banks are seeking larger increases from exception pricing. In 2023, 23% of banks sought exception price increases of 5% or more, which doubled to 45% in 2024. While the leading banks have put in periodic review processes for making exceptions, we know anecdotally that exception prices for certain clients and banks have been left alone post-pandemic. This is likely a large driver of the uptick in focus on exception prices as it’s hard at many banks to drive meaningful growth only through standard price changes.

Bank Expectations For 2024 Treasury Management Pricing​

Which of the following best characterizes your planned or implemented PxV Pricing Event(s) for 2024 across standard prices, exception prices and the overall portfolio?​

April 9, 2024

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Most regional banks have reduced their branch networks over the last three years, but there’s been significant divergence in their results, according to Curinos’ BranchScape.

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Falling CD Rates? Whew! Well, Maybe Not.

Even with higher rates, CD retention rates have been about 85%. That’s the good news.

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As Rates Fall, Back Books Will Block Expense Relief

Relatively low-priced commercial back books present headwinds to meeting pass-through targets for falling-rate betas. Lowering rates on their balances would risk attrition, and replacing them could get expensive.
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