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Commercial Banking: How to Capitalize on this Year’s Growth Opportunity-5 Takeaways

From It’s Go Time for Commercial Banking—Are You Ready?, a webinar presented by Curinos on February 25 & 26, 2025, that featured Margarita Vacanti, SVP, Commercial Banking and managing directors Peter Serene and Bob Warnock.

READ TIME: 4 MINS

March 6, 2025

According To The Data // Insights

Commercial Deposit Alert: Four Ways To Prepare For Falling Rates

As recently as April 2022, more than half of all commercial deposits were in non-interest-bearing or analyzed accounts with low ECRs.

READ TIME: 2 MINS

September 16, 2024

Curinos Review // Insights

Commercial: How To Deal With Declining NIB Deposits

Non-interest-bearing (NIB) deposits have been one of the pillars of commercial banking profitability in the United States, but a combination of higher interest rates and regulatory changes has put their future at risk.

READ TIME: 6 MINS

June 27, 2024

Curinos Review // Insights

Curinos Review Summer 2024

With 2024 half over, planning for 2025 has begun. That’s why we’ve titled this issue of the Curinos Review How to Plan for Success in 2025 and have dedicated each article to ways to anticipate and plan for what’s to come next year.

READ TIME: 4 MINS

June 27, 2024

Curinos Perspectives // Insights

Curinos Perspective: FOMC 2H Outlook – The Implications Of Higher For Longer

The FOMC held the Federal Funds target range flat at 5.25% to 5.5%. As previously communicated, the Fed has tapered quantitative tightening by $35B, lowering the redemption cap from $95 billion per month to $60 billion per month.

READ TIME: 9 MINS

June 13, 2024

According To The Data // Insights

DAF Levels Are Down. What Can Be Done?

As commercial deposits shift away from DDA, the loss of deposit administration fees (DAF) is a key impact. DAF are the largest single charge in treasury management, totaling more than 15% of fees at most TM banks.

READ TIME: 1 MIN

June 4, 2024

Curinos Review // Insights

Thinking Beyond Rate To Get And Keep Wealth Deposits

With the Federal Reserve unlikely to reduce short-term interest rates before summer, banks experiencing significant runoff of wealth deposits and cash sweeps have several options available beyond broad hikes in deposit rates to stop the bleeding and potentially regain share of wallet with their wealthiest clients.

READ TIME: 7 MINS

March 18, 2024

Curinos Review // Insights

Curinos Review Spring 2024

Retail banking fees are again under scrutiny. Our research shows that overdraft and non-sufficient funds fee revenue will continue their steady downward trend, as will credit card late fees and interchange fees. Taken together, this will make profitably serving the mass market even more of a challenge this year, particularly for community banks and credit unions.

READ TIME: 4 MINS

March 18, 2024

Curinos Review // Insights

Treasury Needs More And Better Data To Manage Falling Rates

As rates drop and profit compresses, we urge banks to embrace asset/liability management (ALM), funds transfer pricing (FTP) and the analytic intelligence of deposit behavior.

READ TIME: 7 MINS

March 18, 2024

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