Category: This Month In Commercial Banking

Commercial Balance Levels Stabilize, But Betas Continue To Rise

Fed Funds rates are leveling off in a higher-for-longer range, but quantitative tightening continues. In this environment, commercial banks will have to balance the difficult tradeoff between deposit levels and deposit costs.
READ TIME: 3 MINS

August 30, 2023

Rising Rates Are Transforming Commercial Deposit Economics

As rates continue to rise, with seemingly no end in sight, the gap between earnings credit rates (ECR) and those paid on commercial interest-bearing deposits continues to widen.
READ TIME: 3 MINS

August 23, 2023

Overcoming Potential Obstacles To Commercial Onboarding

The bank has just landed a new commercial customer. That’s great – now what?
READ TIME: 4 MINS

August 11, 2023

Commercial Deposits: Market Disruption Means Heated Competition

Even though the Fed sat out hiking rates during the June meeting, commercial customer behaviors didn’t miss a beat.
READ TIME: 4 MINS

July 27, 2023

Business Payments, Now Mostly Through Cards, Are Going Virtual

Without exception, Curinos’ corporate clients with more than $20 million in annual card spend are emphasizing card payments, rather than check and ACH, for their accounts payable disbursements.
READ TIME: 4 MINS

July 21, 2023

Treasury Management Pricing Events: Banks Remain Assertive

Commercial Banks have held fast to their plans to be more assertive with price increases in 2023.
READ TIME: 2 MINS

July 17, 2023

Market Disruption Heats Up Competition For Commercial Deposits

In the immediate aftermath of the failures of Silicon Valley Bank (SVB) and Signature Bank (SBNY) in March, commercial deposit markets experienced higher volatility, flight to perceived quality and an increase in flows to money market mutual funds.
READ TIME: 2 MINS

May 31, 2023

Higher Rates Reinforce Value Of Treasury Management Fundamentals

For much of the past 15 years, rates have been ultra-low and credit has been readily available. As a result, most company treasurers haven’t felt strong incentives, or imperatives, to truly optimize their liquidity positions, cash conversion cycles and working capital.
READ TIME: 3 MINS

May 23, 2023

Boost Your Fee Income? Look to Digital Payments.

Commercial net interest margin (NIM) is under pressure. Deposit costs are going up while balances are going down. And a flat / inverted yield curve and tightening credit standards are pressuring growth in interest income. Markets such as these reinforce the importance of treasury management (TM) fee income.
READ TIME: 3 MINS

April 27, 2023

Treasury Management Fees Post Modest Growth On Headwinds From Declines In Deposit Administration Fees (DAF)

Treasury management (TM) fee income grew modestly in 2022 with the average bank ending the year up 3%. Fee revenue increases were driven by a combination of higher prices, especially on paper-intensive and exception-processing services, as well as higher volumes in deposit services, disbursements and information reporting.
READ TIME: 4 MINS

April 24, 2023

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