Betas for This Falling Rate Cycle Will be Different
The long-awaited Fed rate reduction cycle has begun, with expectations of falling portfolio rates and NIM relief.
READ TIME: 2 MINS
November 19, 2024
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retaildepanalyzer
Curinos Perspective:
Strategic Retail Planning – 5 Takeaways
From “Driving Customer Growth Through Strategic Retail Planning,” a Curinos webinar on November 14, 2024, presented in conjunction with the brand experience company Adrenaline.
READ TIME: 4 MINS
November 18, 2024
High-Rate CD Attrition May Be Signaling What’s to Come
With the Federal Reserve initiating the falling rate cycle in September with a decisive 50 bp rate decrease, the era of banks offering a high-rate 500bp+ CDs is quickly drawing to a close.
READ TIME: 1 MIN
November 5, 2024
Fed’s First Big Cut Means (Surprise!) a Big Gain for CDs
The Fed’s 50 bp salvo in September has marked the official start of the rate downcycle, and FIs across the industry have responded by pulling back rates on both their retail CD and savings products.
READ TIME: 1 MIN
October 10, 2024
Curinos Perspective: Down-Pricing in a Falling Rate Environment – State of the Market and 5 Strategic Imperatives
From “How to Optimize Down-Pricing in a Falling Rate Environment,” a Curinos webinar presented on September 24, 2024, in conjunction with Consumer Bankers Association and featuring Curinos managing directors Peter Serene and Robert Warnock.
READ TIME: 5 MINS
September 25, 2024
Curinos Perspective: How To Win In Small Business – 5 Takeaways
From “How to Win in Small Business,” a Curinos webinar on September 19, 2024, presented in conjunction with Consumer Bankers Association and featuring Curinos managing director Adam Stockton and Curinos senior vice president Olivia Lui.
READ TIME: 4 MINS
September 23, 2024
Rates Are Falling, And CDs Are Already Leading The Way
Now that the Fed has weighed in with a half-point rate cut, many financial institutions are under even greater pressure to drop rates to boost sagging profit margins, and so far rates on CDs have led the charge.
READ TIME: 1 MIN
September 19, 2024
Consumer-Deposit Alert: Money In Motion Is In Decline
After a high volume of money in motion and churn in 2023, CD and savings promotional rates have begun declining in recent months.
READ TIME: 1 MIN
August 15, 2024
Mass Affluent: Big Opportunity, But At A Cost
Mass affluent customers are desirable. They have steady incomes and larger deposits, and they can be cross-sold into other profitable services such as lending and wealth management. But in today’s high rate environment, these more sophisticated clients are also demanding significantly more on rate than their mass market counterparts, so holding on to them is more costly than in the past.
READ TIME: 1 MIN
July 16, 2024