retaildepanalyzer Archives

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

Curinos Review // Insights

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

As expected, the FOMC in September held the Federal Funds rate flat in a target range of 5.25% to 5.50%. The process of balance sheet reduction (quantitative tightening) will continue at the previously communicated rate of $95 billion per month.

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

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 Retail Banking

Retail Deposits: More Aggressive Pricing Is Widening The Rate Gap Between Banks

Deposit shifts have continued as a result of rising rates and the failures of Silicon Valley, Signature and First Republic.

READ TIME: 2 MINS

May 19, 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

Insights // This Month In Retail Banking

Retail Deposits: Stable, But More Competition Possible

Certificates of deposit (CD) are taking on a bigger role at many institutions that want to lock in deposits before rates rise further, according to the latest data from the CDA Consumer Executive Summary

READ TIME: 1 MIN

April 13, 2023

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