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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

Curinos Review // Insights

Curinos Review Winter 2024

Welcome to the Winter 2024 issue of the Curinos Review. The Year of Deposits. That’s how Curinos views 2024 – how to get them and how to keep them at a cost that preserves net interest margin and profitability.

READ TIME: 3 MINS

January 10, 2024

Curinos Perspectives // Insights

Curinos Perspective: Taking Stock Of The Rate Cycle And Its Implications

As expected, the FOMC held the Fed Funds rate unchanged at a target range of 5.25% to 5.5%. Current market expectations are that we’re at the peak rate for this cycle and that modest cuts will come through 2024.

READ TIME: 4 MINS

December 13, 2023

Curinos Perspectives // Insights

Curinos Perspective: Fed Holds Rates Steady Again, Home-Lending Pressures Continue

As expected, the FOMC has held the Federal Funds rate flat in a target range of 5.25% to 5.50%. But even as the Fed continues its pause, rates for home lending and deposits are likely to remain elevated. That’s because key inflation and macroeconomic indicators take time to play out, and a continuing tidal wave of low-interest renewing CDs will intensify the competition for rate shoppers.

READ TIME: 6 MINS

November 1, 2023

Curinos Review // Insights

Curinos Review Fall 2023

Welcome to the Fall 2023 issue of the Curinos Review. No one needs to be reminded that profits at many traditional banks are under intense pressure. But while unfavorable lending performance drove many past downturns, the current challenges are emanating from the liability side of the balance sheet.

READ TIME: 3 MINS

September 21, 2023

Curinos Perspectives // Insights

Curinos Perspective: The Risk Of “Magical Thinking” In A Fed Funds Plateau

We see complacency among many bankers who feel that a Fed plateau will ease pressures on deposit betas. Prior cycles show that betas keep climbing even after the Fed Funds rate peaks, and significant back books in both commercial and consumer are yet to reprice.

READ TIME: 6 MINS

September 20, 2023

Curinos Perspectives // Insights

Curinos Perspective: Fed Hikes Again, Banks Dig In For Higher For Longer

After a brief, one-meeting pause in June, the Fed’s Federal Open Market Committee (FOMC) raised the Federal Funds rate by .25% to a target range of 5.25% to 5.5%.

READ TIME: 8 MINS

July 26, 2023

Curinos Review // Insights

Curinos Review Summer 2023

Welcome to the Summer 2023 issue of the Curinos Review. The liquidity crisis may have abated somewhat, but with net interest margins continuing to compress and loan volume and risk appetite both subdued, the attention now turns to profitability.

READ TIME: 5 MINS

June 28, 2023

Curinos Perspectives // Insights

Curinos Perspective: Fed Pauses, But What Lies Ahead Is Less Clear

Today, the Fed announced a pause in rate hikes, leaving the benchmark Federal Funds rate unchanged at 5.00% — 5.25%, while leaving the door open for future rate increases.

READ TIME: 9 MINS

June 14, 2023

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