Search
Close this search box.
Search
Close this search box.

commoptimizer

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 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 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

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 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

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

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 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

Raising Meaningful Deposits In 2024: Buy Or Build?

For financial institutions looking to grow deposits significantly, a key question becomes whether buying them via acquiring another institution would be more advantageous than building them organically.
READ TIME: 9 MINS

January 10, 2024

Want to go further?

Contact us to learn more about how Curinos can help you navigate today and prepare for tomorrow.

Need to contact a specific team?

Sales Inquiries:
Sales@curinos.com

Accounts Payable Inquiries:
CurinosAP@curinos.com

Media Inquiries:
Curinos@cognitomedia.com

Need to contact a specific team?

Sales Inquiries:
Sales@curinos.com

Accounts Payable Inquiries:
CurinosAP@curinos.com

Media Inquiries:
Curinos@cognitomedia.com

Need to contact a specific team?

Sales Inquiries:
Sales@curinos.com

Accounts Payable Inquiries:
CurinosAP@curinos.com

Media Inquiries:
Curinos@cognitomedia.com

Need to contact a specific team?

Sales Inquiries:
Sales@curinos.com

Accounts Payable Inquiries:
CurinosAP@curinos.com

Media Inquiries:
Curinos@cognitomedia.com

Need to contact a specific team?

Sales Inquiries:
Sales@curinos.com

Accounts Payable Inquiries:
CurinosAP@curinos.com

Media Inquiries:
Curinos@cognitomedia.com

Let's start a conversation...