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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

More Mortgage Malaise, Higher Hopes For Home Equity

Curinos expects many of today’s mortgage market challenges – affordability, inventory, lack of demand – to persist in 2024, with a material recovery not likely until 2025.
READ TIME: 5 MINS

January 10, 2024

Curinos Perspective: Taking Stock Of The Rate Cycle And Its Implications

As expected, the FOMC held the Fed Funds rate unchanged at a target range of 5.25% to 5.5%. Current market expectations are that we’re at the peak rate for this cycle and that modest cuts will come through 2024.
READ TIME: 4 MINS

December 13, 2023

Curinos Perspective: Fed Holds Rates Steady Again, Home-Lending Pressures Continue

As expected, the FOMC has held the Federal Funds rate flat in a target range of 5.25% to 5.50%. But even as the Fed continues its pause, rates for home lending and deposits are likely to remain elevated. That’s because key inflation and macroeconomic indicators take time to play out, and a continuing tidal wave of low-interest renewing CDs will intensify the competition for rate shoppers.
READ TIME: 6 MINS

November 1, 2023

The Moat You Thought You Had? It’s Been Breached

Pandemic. Near-zero rates. Surge deposits. Those were the days. The realm was secure from interlopers – or so it seemed.
READ TIME: 6 MINS

September 21, 2023

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