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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?​

July 16, 2024

Mass Affluent: Big Opportunity, But At A Cost

Mass affluent customers are desirable. They have steady incomes and larger deposits, and they can be cross-sold into other profitable services such as lending and wealth management. But in today’s high rate environment, these more sophisticated clients are also demanding significantly more on rate than their mass market counterparts, so holding on to them is more costly than in the past.
READ TIME: 1 MIN

July 11, 2024

Personalization: Larger Banks Report Struggling To Get Their Data Right

Some larger banking institutions are struggling to get their data in order as competitive pressure mounts to evolve past batch-and-blast communications and into the realm of personalized marketing communications.
READ TIME: 1 MIN

July 9, 2024

LMI Lending: Considerations For Success

Lending in low- to moderate-income (LMI) areas and households is a cornerstone to successfully complying with the Community Reinvestment Act (CRA). One often-overlooked component of LMI is making sure lending products and credit guidelines fit the needs of borrower profiles.
READ TIME: 1 MIN

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