Search
Close this search box.

treasuryanalyzer

Curinos Review Winter 2024

Welcome to the Winter 2024 issue of the Curinos Review. The Year of Deposits. That’s how Curinos views 2024 – how to get them and how to keep them at a cost that preserves net interest margin and profitability.
READ TIME: 3 MINS

January 10, 2024

Curinos Perspective: Taking Stock Of The Rate Cycle And Its Implications

As expected, the FOMC held the Fed Funds rate unchanged at a target range of 5.25% to 5.5%. Current market expectations are that we’re at the peak rate for this cycle and that modest cuts will come through 2024.
READ TIME: 4 MINS

December 13, 2023

Challenge for 2024: Protecting Profitability Amid Low Margins

Curinos anticipates that competition for deposits will remain fierce in 2024 and, despite expectations to the contrary, the cost of commercial deposits will likely continue to rise.
READ TIME: 3 MINS

December 11, 2023

ECR Balances Have Been A Boon So Far, But Keeping Them Is Getting Harder

Attracting and retaining ECR balances has been a critical driver of success for banks with lower commercial portfolio interest expense cycle-to-date. But as rates have risen, so too has the shift in mix toward interest-bearing products. That could mean that more commercial customers will shift to paying hard-dollar bank fees and optimizing return on their cash.
READ TIME: 2 MINS

November 21, 2023

Pressure On Net TM Fees Is Mounting

Stabilizing revenues in these challenging times hinges on optimizing treasury management pricing and aligning fee and ECR strategies. Banks need to periodically validate that they’re charging for all services being delivered and at prices that align with growth goals.
READ TIME: 3 MINS

November 13, 2023

Curinos Perspective: Fed Holds Rates Steady Again, Home-Lending Pressures Continue

As expected, the FOMC has held the Federal Funds rate flat in a target range of 5.25% to 5.50%. But even as the Fed continues its pause, rates for home lending and deposits are likely to remain elevated. That’s because key inflation and macroeconomic indicators take time to play out, and a continuing tidal wave of low-interest renewing CDs will intensify the competition for rate shoppers.
READ TIME: 6 MINS

November 1, 2023

Commercial Deposit Balances Stabilized In The Third Quarter

Commercial deposit balances grew on average 1.1 % during the third quarter, a significant turnaround from the first half of the year when the average bank saw outflows of 11%. Curinos attributes this growth to three primary factors.
READ TIME: 2 MINS

October 26, 2023

Understanding And Managing Card Payment Costs

With credit and debit cards now the most commonly used vehicle for noncash payments, corporate treasurers are focusing even more on card processing to better manage their costs and risk. But the cost structure is dramatically different than that of treasury management services, so Curinos offers a brief primer.
READ TIME: 2 MINS

October 24, 2023

Pricing Is Driving TM Fee Growth, But We See Headwinds Ahead

Despite market disruptions in the spring, commercial banks have been able to hold the line on treasury management (TM) fees in 2023.
READ TIME: 3 MINS

October 5, 2023

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

Want to go further?

Contact us to learn more about how Curinos can help you navigate today and prepare for tomorrow.