Remove 2025 Remove Capital Remove Management
article thumbnail

Current Loan Pricing Trends for 1Q 2025

South State Correspondent

The Big Picture of Current Loan Pricing Trends The average credit spread last quarter that has carried through to the first part of 1Q 2025 is 2.63%. On a risk-adjusted return on equity basis, banks moved their target from 16% that held for most of last year, to now looking at a 20% risk-adjusted return on capital (RAROC).

Trends 195
article thumbnail

You Need to Understand These Reasons for Bank Consolidation

South State Correspondent

Understanding the drivers of banking consolidation is imperative when managing bank performance. Today, in 2025, we are down to 4,496. These two acts took the governors off around how banks managed deposits. These acts created a competitive vortex marking a paradigm shift around the concept of bank management.

FDIC 195
Insiders

Sign Up for our Newsletter

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

article thumbnail

Trends in commercial real estate (CRE) lending and risk

Abrigo

They also share tips for managing risk and pricing. As a result, financial institutions with CRE concentrations find it increasingly important to strategically manage the competitive pressures and risks related to origination, refinancing, and loan performance. Managing their current risk is vital, too.

Lending 221
article thumbnail

How banks attract new deposits in a competitive landscape

Abrigo

Strategies to help banks attract new deposits Banks and credit unions planning for 2025 agree that attracting and retaining deposits remains a top priority. Consider: Cash management services that help businesses optimize their working capital. How can they attract and retain new depositors?

article thumbnail

Should Your Bank Adopt a Loan Hedging Program?

South State Correspondent

At SouthState Bank, we utilize a loan-level hedging program called “ARC,” which is available to all community banks and, in our opinion is easier to manage and understand than a B2B program, but the point of this article is for banks to manage the risk through some loan hedging program instead of taking the risk without compensation.

article thumbnail

How Retailers Could Turn Smart Vending Into A $15B Market By 2025

PYMNTS

The estimated value of the global intelligent vending machine market by 2025 is $15 billion. The expected CAGR of the global parking meter market from 2018 to 2025 is 6.97 These are just some of the ways firms are changing the way consumers buy goods, ranging from frozen yogurt to modern-day vending machines.

Retail 177
article thumbnail

eWallet Startup MoMo Lands $100 Million From Warburg Pincus, Other Investors

PYMNTS

The eWallet firm, Vietnam’s largest, has pulled in $100 million from a group of six investors co-led by Warburg Pincus and Goodwater Capital, Reuters reported on Wednesday (Jan. We hope to go public in the 2021-2025 period, possibly in 2025.

Capital 154