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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

Insights // This Month In Retail Banking

Deposit Costs: Finding The Right Balance For Small Business Success

Last week’s installment of This Month In Retail Banking focused on acquiring the right balance of checking deposits and rate-based products to optimize deposit growth in today’s challenging market. This week we continue the conversation by making a case for focusing on the small business segment.

READ TIME: 3 MINS

August 31, 2023

Insights // This Month In Commercial Banking

Commercial Balance Levels Stabilize, But Betas Continue To Rise

Fed Funds rates are leveling off in a higher-for-longer range, but quantitative tightening continues. In this environment, commercial banks will have to balance the difficult tradeoff between deposit levels and deposit costs.

READ TIME: 3 MINS

August 30, 2023

Insights // This Month In Retail Banking

Deposit Acquisition Costs: Finding The Right Balance For Success

In striking a balance between checking acquisition and rate-based deposit acquisition, banks have often tilted toward checking because it leads to low-cost deposits, deeper relationships and the purchase of additional products.

READ TIME: 2 MINS

August 24, 2023

Insights // This Month In Retail Banking

Grow Funding? Look To Your Differences By Market.

In too many cases, financial institutions are reacting to the continuing compression of net interest margin (NIM) by reducing operating expenses.

READ TIME: 2 MINS

August 22, 2023

Insights // This Month In Retail Banking

Elevate Digital Onboarding? Remove ID And Verification Frictions.

Among the hurdles to a smooth account opening process are identity verification and information input. More banks are finding creative ways to streamline in order to reduce drop-off.

READ TIME: 2 MINS

August 14, 2023

Insights // This Month In Retail Banking

Housing Values Soar. So Do Property Taxes.

Even despite the Fed’s best efforts to slow the economy, home prices in major metropolitan areas continue to rise, steeply.

READ TIME: 2 MINS

July 31, 2023

Insights // This Month In Commercial Banking

Commercial Deposits: Market Disruption Means Heated Competition

Even though the Fed sat out hiking rates during the June meeting, commercial customer behaviors didn’t miss a beat.

READ TIME: 4 MINS

July 27, 2023

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