How To Manage Deposits If No Fed Rate Cuts Until Next Year
As recent as early 2024, the idea that rate cuts would be postponed until 2025 would have been a banking CFO’s worst nightmare.
READ TIME: 5 MINS
June 27, 2024
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depcost
How To Build Banking Relationships Through Personalization? Ditch The Retail Playbook
In the fast-paced world of digital marketing, personalization has emerged as a critical strategy for engaging customers and driving sales.
READ TIME: 6 MINS
June 27, 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
Fee Changes Require New Approach To Serving Mass Market
It appears that the steady unwinding of retail banking fees will continue to take its toll on bank and credit union profitability.
READ TIME: 7 MINS
March 18, 2024
Bank M&A: Forget Much Of What You Think You Know
After a recent lull, banking deals are expected to pick up this year thanks to anticipated rate reductions, higher stock values and healthier balance sheets.
READ TIME: 8 MINS
March 18, 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
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
2024 Deposit Growth May Not Meet Expectations
Well over half of banking professionals say their institution will grow deposits by 1% or more in 2024. But fully 84% of these same respondents said the industry would stay flat or lose deposits. We applaud the self-confidence, but the math could be against it, so we counsel caution.
READ TIME: 2 MINS
October 20, 2023