Insights

HELOC Balance Growth Can Be Achieved! Is Your Growth Strategy Working?

HELOC originations struggled to gain traction for many banks and credit unions in 2023, putting more emphasis on growing portfolio balances through their existing book of business.

READ TIME: 1 MIN

March 14, 2024

According To The Data // Insights

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.

READ TIME: 1 MIN

March 14, 2024

Curinos Perspectives // Insights

Curinos Perspective: 5 Takeaways On Using Analytics To Create An Effective Deposit Strategy

From “How Essential Analytics Can Drive Effective Deposit Strategy”, a Curinos webinar presented in conjunction with the Consumer Bankers Association (CBA). The webinar featured Adam Stockton, head of retail deposits and lending; Agusta Patton, director of Client Solutions; Ravi Subbaraya, director of consumer deposits; and Brad Resnick, director.

READ TIME: 5 MINS

March 12, 2024

According To The Data // Insights

Last Year’s High-Rate CDs Are Coming Home To Roost

Financial institutions will need to sustain high CD rates to retain balances, especially because deposit betas are likely to lag any downward actions by the Fed.

READ TIME: 1 MIN

March 12, 2024

Insights // Webinars

How Essential Analytics Can Drive An Effective Deposit Strategy

Join deposit strategy experts from Curinos for an insightful webinar focusing on the essential analytics needed to navigate and succeed in this difficult environment. With many bank teams being forced to manage across multiple fronts, we will share practical tips for streamlining your analytical focus and succeeding without deep FTE and technology investment.

READ TIME: 1 MIN

March 7, 2024

According To The Data // Insights

Innovators Push Funding Of New Digital Accounts

To gain primacy, leading financial providers target the funding journey in account opening, including adding direct deposit.

READ TIME: 1 MIN

March 7, 2024

Curinos Perspectives // Insights

Curinos Perspective: Deposit WAL – A Key Measure To Gauge Interest Rate Risk

Bank treasury teams focused on interest rate and liquidity risk management, business line teams focused on the competitive environment, and investor/analyst teams focused on bank valuation continue to devote considerable attention to deposit repricing betas, seeing it as the key interest rate risk (IRR) indicator.

READ TIME: 4 MINS

March 5, 2024

According To The Data // Insights

FHA Rates Are Attracting Higher-Quality Borrowers

The biggest rate gap in 15 years between FHA and conforming loans has boosted FHA volumes, and today’s borrowers come with better quality than in the past.

READ TIME: 1 MIN

March 5, 2024

According To The Data // Insights

Banks May Have Turned The Tide On Commercial Outflows

After well over a year of significant outflows, commercial deposit balance levels stabilized in the second half of 2023. The average bank ended the year down 7%, but many managed to end up flat for the year and some even printed a little growth. What changed?

READ TIME: 1 MIN

February 29, 2024

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