treasuryanalyzer Archives

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

Insights // This Month In Commercial Banking

Commercial Balance Levels Stabilize, But Betas Continue To Rise

Fed Funds rates are leveling off in a higher-for-longer range, but quantitative tightening continues. In this environment, commercial banks will have to balance the difficult tradeoff between deposit levels and deposit costs.

READ TIME: 3 MINS

August 30, 2023

Insights // This Month In Commercial Banking

Rising Rates Are Transforming Commercial Deposit Economics

As rates continue to rise, with seemingly no end in sight, the gap between earnings credit rates (ECR) and those paid on commercial interest-bearing deposits continues to widen.

READ TIME: 3 MINS

August 23, 2023

Insights // This Month In Commercial Banking

Overcoming Potential Obstacles To Commercial Onboarding

The bank has just landed a new commercial customer. That’s great – now what?

READ TIME: 4 MINS

August 11, 2023

Insights // This Month In Commercial Banking

Commercial Deposits: Market Disruption Means Heated Competition

Even though the Fed sat out hiking rates during the June meeting, commercial customer behaviors didn’t miss a beat.

READ TIME: 4 MINS

July 27, 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

Insights // This Month In Commercial Banking

Business Payments, Now Mostly Through Cards, Are Going Virtual

Without exception, Curinos’ corporate clients with more than $20 million in annual card spend are emphasizing card payments, rather than check and ACH, for their accounts payable disbursements.

READ TIME: 4 MINS

July 21, 2023

Insights // This Month In Commercial Banking

Treasury Management Pricing Events: Banks Remain Assertive

Commercial Banks have held fast to their plans to be more assertive with price increases in 2023.

READ TIME: 2 MINS

July 17, 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

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