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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

Curinos Perspectives // Insights

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

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

Curinos Perspectives // Insights

Curinos Perspective: Fed Hikes Again – Implications For A Potential Plateau

The Fed raised the Fed Funds rate by another 25 basis points to a range of 5.00% to 5.25%.

READ TIME: 12 MINS

May 3, 2023

Curinos Perspectives // Insights

Curinos Perspective: Fed Keeps Up The Fight Against Inflation Amid Banking Sector Uncertainty

Despite the recent bank failures and market disruption, the Fed kept up the fight against inflation by raising the Fed Funds rate by 25 basis points to a range of 4.75% to 5.00%

READ TIME: 12 MINS

March 22, 2023

Curinos Perspectives // Insights

Curinos Perspective: Key Considerations Amid Industry Disruption

There’s little doubt that the U.S. banking industry has been whipsawed by fast-moving events in recent days

READ TIME: 5 MINS

March 16, 2023

Curinos Perspectives // Insights

Curinos Perspective: Fed Plateau Possibly On The Horizon – What To Know

Within the consumer business, deposit runoff continued during the fourth quarter of 2022

READ TIME: 10 MINS

February 1, 2023

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