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
Categories
- According To The Data (69)
- CECL (3)
- Curinos (F)insights (39)
- Curinos Perspectives (59)
- Curinos Review (105)
- Events (4)
- Experience Counts (13)
- Insights (543)
- Mortgage Hot Topics (1)
- Overdraft Series (6)
- Podcasts (49)
- Prioritizing Personalization (9)
- Reports (8)
- Sample Reports (8)
- The Broadcast (6)
- This Month In Commercial Banking (36)
- This Month In Retail Banking (49)
- This Quarter In Canadian Banking (7)
- Uncategorized (1)
- Webinars (42)
This Month In Commercial Banking
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
How Corporate Treasurers Use Money Market Funds, And How Banks Can Respond
Hundreds of billions of dollars are migrating from banks to money market funds.
READ TIME: 4 MINS
April 19, 2023
Providers Tighten Security Amid Increased Fraud
The heightened speed of payments and higher transaction limits is an environment conducive to fraud, and the numbers confirm it
READ TIME: 2 MINS
February 28, 2023