commercialanalyzer

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

According To The Data // Insights

TM Investment: Running Fast But Standing Still

Going into 2023, participants in Curinos’ Commercial Analyzer reported increasing their digital investments – more than half of them by 10% – which reflects a multi-year focus on upgrading the commercial digital experience.

READ TIME: 1 MIN

August 8, 2024

According To The Data // Insights

Profitable Commercial Growth Can Hinge On The Right Client Mix

Many commercial-banking relationships that had been profitable are now under water driven by sustained higher rate environment that has changed client behavior toward deposits and put continuing pressure on spreads. What to do?

READ TIME: 1 MIN

July 18, 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

According To The Data // Insights

Commercial: Falling Rates Won’t Stop Deposit Flow To IB

Migration from non-interest-bearing (NIB) commercial deposits to interest-bearing (IB) continues. It’s no mystery: The market rate for IB is about 400 bp, nearly five times what NIB deposits earn.

READ TIME: 1 MIN

April 11, 2024

According To The Data // Insights

2024 TM Pricing Outlook: Exception Pricing Gains

With continued net interest income pressures and competition for deposits, treasury management (TM) pricing is one of the quickest levers to pull to drive fee revenues and protect balances at risk of remixing to interest-bearing options.

READ TIME: 1 MIN

April 4, 2024

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