Curinos Review Archives

The Moat You Thought You Had? It’s Been Breached

Pandemic. Near-zero rates. Surge deposits. Those were the days. The realm was secure from interlopers – or so it seemed.

READ TIME: 6 MINS

September 21, 2023

Curinos Review // Insights

Small Businesses Offer A Clear Profitability Upside For Banks

Bank profitability tends to ebb and flow based on market and macro conditions, so lines of business that can generate consistent income for institutions are particularly valuable.

READ TIME: 5 MINS

September 21, 2023

Curinos Review // Insights

Higher Rates Push Banks To Draft A CD Maturity Playbook

In 2020, with interest rates in freefall during the pandemic and the Federal Reserve committed to accommodative policy, demand for CDs evaporated.

READ TIME: 7 MINS

September 21, 2023

Curinos Review // Insights

More Than Ever, Deposits Are Key To Profitability

U.S. bank deposits dropped by nearly $500 billion year over year in Q1 2023, according to the FDIC – the largest decrease since the early 1980s.

READ TIME: 7 MINS

September 21, 2023

Curinos Review // Insights

Data, Discipline And Technology Can Unlock Mortgage Lending’s Potential

Today’s high interest rates are taking too much of the blame for depressed home sales.

READ TIME: 7 MINS

September 21, 2023

Curinos Review // Insights

Breaking Down Barriers To Reach A Wider Set Of Customers

An estimated 45 million U.S. consumers are credit invisible, have thin credit files or lack a recent credit history.

READ TIME: 7 MINS

September 21, 2023

Curinos Review // Insights

Curinos Review Fall 2023

Welcome to the Fall 2023 issue of the Curinos Review. No one needs to be reminded that profits at many traditional banks are under intense pressure. But while unfavorable lending performance drove many past downturns, the current challenges are emanating from the liability side of the balance sheet.

READ TIME: 3 MINS

September 21, 2023

Curinos Review // Insights

Funds Transfer Pricing Is Becoming More Customer-Centric

Funds transfer pricing, or FTP, is a common framework maintained by bank treasury that ascribes value and cost to sources and uses of bank funding, respectively, in support of profitability measurement, pricing and risk management.

READ TIME: 8 MINS

June 28, 2023

Curinos Review // Insights

Wealth Deposits: Instability Grows. What Does The Future Hold?

Rising rates and bank failures have transformed deposits held in wealth management, brokerage and private banking from perceived as mostly stable to unnervingly volatile.

READ TIME: 9 MINS

June 28, 2023

Curinos Review // Insights

Curinos Review Summer 2023

Welcome to the Summer 2023 issue of the Curinos Review. The liquidity crisis may have abated somewhat, but with net interest margins continuing to compress and loan volume and risk appetite both subdued, the attention now turns to profitability.

READ TIME: 5 MINS

June 28, 2023

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Category: Curinos Review

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