retaildepositoptimizer

Insights // This Month In Retail Banking

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

Insights // This Month In Retail Banking

Clear Routes To Action Can Drive CD Renewals To Digital

With nearly 10% of U.S. retail deposits renewing by the end of Q1 ’24, engaging customers and members through the most accessible channel – digital – will be critical to CD renewal and retention.

READ TIME: 2 MINS

October 12, 2023

Insights // This Month In Retail Banking

For Mortgage Portfolio Lending, A Barbell Effect Is In “Overdrive”

Because rates for portfolio loans have increased relative to those sold into the secondary market, portfolio lenders are targeting borrowers at opposite ends of the spectrum: low-to-moderate income on one, high wealth on the other.

READ TIME: 3 MINS

October 10, 2023

Insights // This Month In Retail Banking

Higher-For-Longer Rates Complicate Once-Easy Decisions On Branch Closures

As we enter a period of higher-for-longer interest rates, compressed NIM and slower loan growth, financial institutions will inevitably turn to managing expenses as they work to stay in the black.

READ TIME: 2 MINS

October 3, 2023

Curinos Review // Insights

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

Higher Rates Push Banks To Draft A CD Maturity Playbook

In 2020, with interest rates in freefall during the pandemic and the Federal Reserve committed to accommodative policy, demand for CDs evaporated.

READ TIME: 7 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

Insights // This Month In Retail Banking

Deposit Costs: Finding The Right Balance For Small Business Success

Last week’s installment of This Month In Retail Banking focused on acquiring the right balance of checking deposits and rate-based products to optimize deposit growth in today’s challenging market. This week we continue the conversation by making a case for focusing on the small business segment.

READ TIME: 3 MINS

August 31, 2023

Insights // This Month In Retail Banking

Deposit Acquisition Costs: Finding The Right Balance For Success

In striking a balance between checking acquisition and rate-based deposit acquisition, banks have often tilted toward checking because it leads to low-cost deposits, deeper relationships and the purchase of additional products.

READ TIME: 2 MINS

August 24, 2023

Categories

Want to go further?

Our Solutions

Who We Help

Our Company

Subscribe

Follow Us

Comparative Analytics

Optimization Platforms

Intelligent Data

Need to contact a specific team?

Financial Institutions

Need to contact a specific team?

Curinos Review

According To The Data

Curinos Perspectives

Need to contact a specific team?

Need to contact a specific team?

Need to contact a specific team?

Let's start a conversation...