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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

Deposits In ’24: It’s Gonna Cost You

2024 will be a great year to grow deposits for any institutions ready to spend big. For many or even most banks and credit unions, more modest goals may make more sense.
READ TIME: 8 MINS

January 10, 2024

2024: The Year Of The Liquidity Manager

The base case for 2024 is that the economy will continue along a path of moderate growth, inflation will continue to normalize, and the Fed will gradually cut interest rates by 75 basis points over the course of the year while continuing to wind down its balance sheet.
READ TIME: 7 MINS

January 10, 2024

Realizing The Promise Of Generative AI

In 2024, generative AI (GAI) will accelerate in use for acquiring customers, detecting fraud, reducing compliance costs, boosting customer lifetime value and more.
READ TIME: 5 MINS

January 10, 2024

Core Deposits Needed: Build Branches Or Close Them?

In the face of rising expense pressure and the continued need for low-cost deposits in a ‘higher-for-longer’ rate environment, all banking institutions in 2024 will struggle with the question of what to do with their branch networks.
READ TIME: 6 MINS

January 10, 2024

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Curinos@cognitomedia.com

Need to contact a specific team?

Sales Inquiries:
Sales@curinos.com

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CurinosAP@curinos.com

Media Inquiries:
Curinos@cognitomedia.com

Need to contact a specific team?

Sales Inquiries:
Sales@curinos.com

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CurinosAP@curinos.com

Media Inquiries:
Curinos@cognitomedia.com

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