Insights

Insights // This Month In Retail Banking

For Mortgage Portfolio Lending, A Barbell Effect Is In “Overdrive”

Because rates for portfolio loans have increased relative to those sold into the secondary market, portfolio lenders are targeting borrowers at opposite ends of the spectrum: low-to-moderate income on one, high wealth on the other.

READ TIME: 3 MINS

October 10, 2023

Insights

Customer Segmentation – The Key To Deposit Pricing

Effectively managing deposit pricing means being surgical.

READ TIME: 2 MINS

October 9, 2023

Insights

To Limit Deposit Costs, Look To Small Business

Historically, small business deposits have been acquired at about half the cost of those for both the consumer and commercial segments, and they exhibit a significantly lower portfolio cost over time.

READ TIME: 2 MINS

October 5, 2023

Insights // This Month In Commercial Banking

Pricing Is Driving TM Fee Growth, But We See Headwinds Ahead

Despite market disruptions in the spring, commercial banks have been able to hold the line on treasury management (TM) fees in 2023.

READ TIME: 3 MINS

October 5, 2023

Insights

The Deposit Dilemma: Investing For The Long Term

The pandemic-induced deposit surge has all but evaporated. On top of that, deposit betas are rising as customers wake up to the prospect of higher yields that are putting pressure on short-term profitability.

READ TIME: 2 MINS

October 4, 2023

Insights

The Deposit Dilemma: Getting It Right In The Near Term

Threading the needle between deposit runoff and increasing costs is becoming more difficult.

READ TIME: 2 MINS

October 3, 2023

Insights // This Month In Retail Banking

Higher-For-Longer Rates Complicate Once-Easy Decisions On Branch Closures

As we enter a period of higher-for-longer interest rates, compressed NIM and slower loan growth, financial institutions will inevitably turn to managing expenses as they work to stay in the black.

READ TIME: 2 MINS

October 3, 2023

Insights

CD Renewals: Managing The Coming Expense Wave

CDs are renewing into an environment with the highest rates in a generation. By January 2024, the rate on more than half of maturing CDs will be 400 basis points or more

READ TIME: 2 MINS

October 2, 2023

Curinos (F)insights // Insights // Podcasts

Curinos (F)insights: There’s No Time For Delay In Getting Ready For 1071

Lindsay Burkhalter, director of small business solutions at Curinos, explains risks that banks and credit unions face if they are not diligent now in preparing to collect, analyze and report data on lending to minority-owned, women-owned and small businesses.

READ TIME: 12 MINS

September 27, 2023

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