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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

Insights // This Month In Retail Banking

Caution: Consumer CD Renewal Bubbles Ahead

As the result of close to a year of strong inflows into CDs, the banking industry will soon be facing significant CD renewal bubbles that could begin as early as this September.

READ TIME: 3 MINS

July 20, 2023

Insights // This Month In Retail Banking

Memo To Marketers: Treat Your Budget Like An Investment Fund

In today’s digital-first world, seeding awareness and consideration is increasingly the purview of marketing rather than the physical networks.

READ TIME: 5 MINS

July 18, 2023

Insights // This Month In Retail Banking

Where Have All The Branch Closures Gone?

Here’s a trend that many industry observers may find surprising: Even after accelerated closures during the pandemic, branch office closings for the past year are 29% below the five-year pre-pandemic average.

READ TIME: 3 MINS

July 13, 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

Insights // This Month In Commercial Banking

Market Disruption Heats Up Competition For Commercial Deposits

In the immediate aftermath of the failures of Silicon Valley Bank (SVB) and Signature Bank (SBNY) in March, commercial deposit markets experienced higher volatility, flight to perceived quality and an increase in flows to money market mutual funds.

READ TIME: 2 MINS

May 31, 2023

Insights // This Month In Retail Banking

Five Takeaways From Bank Earnings Season

With our ear to the ground and finger on the industry’s pulse, we offer these five notable impressions Curinos gathered from the recently completed bank earnings season.

READ TIME: 2 MINS

May 24, 2023

Insights // This Month In Commercial Banking

Higher Rates Reinforce Value Of Treasury Management Fundamentals

For much of the past 15 years, rates have been ultra-low and credit has been readily available. As a result, most company treasurers haven’t felt strong incentives, or imperatives, to truly optimize their liquidity positions, cash conversion cycles and working capital.

READ TIME: 3 MINS

May 23, 2023

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