South State Correspondent

JUNE 17, 2019

CRE UNDERWRITING Recent data, just released from Real Capital Analytics, shows that since the start of the year (month-end April), commercial real estate (CRE) has appreciated 2.6% In this article, we take a look at the details to help banks better manage their pricing and risk.

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Analytics Capital Marketing Data 276

South State Correspondent

MAY 20, 2019

More Accurate CRE Underwriting Whenever your bank is looking at underwriting commercial real estate (CRE), you are probably looking at a variety of macro factors such as rent and occupancy trends, absorption, and capitalization rates.

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Trends Capital Data 274

South State Correspondent

FEBRUARY 12, 2025

In this article, we quantify commercial loan pricing trends from our Loan Command data that will hopefully help community banks price more effectively and win more profitable business. This will help banks further add context to the above loan pricing trends and better allocate capital.

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Trends Community Bank Capital Industry 195

Chris Skinner

SEPTEMBER 3, 2018

I was reading The Guardian’s John Quiggin’s article yesterday, about banking being geared towards the 1% and a major crash being needed to fix it.

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Capital 216

PYMNTS

AUGUST 24, 2019

The woman who was accused of hacking into Capital One’s cloud and swiping the information of more than 100 million people was denied bail, Bloomberg reported on Friday (Aug. Thompson, 33, was described by prosecutors as a loose cannon with violent tendencies, the article said.

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South State Correspondent

MARCH 3, 2025

In this article, we break down the lessons from this long-term trend. As seen below, many banks and thrifts failed to manage their asset-liability and credit positions and chronically produced under their cost of capital. Understanding the drivers of banking consolidation is imperative when managing bank performance.

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PYMNTS

OCTOBER 12, 2020

N26 “has been in contact with potential advisers for the fundraising, though discussions are at an early stage and no final decisions have been made, the people said, asking not to be identified because the deliberations are private," Bloomberg's article states. "A Venture capital investment in Europe’s FinTech industry has surpassed $35.4

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South State Correspondent

MARCH 4, 2025

In this article, we provide a five-step AI-enabled process that will help your bank with solving strategic challenges. Will capital, for instance, become more expensive or cheaper? What are our constraints as to the risk, cost, talent, time, data, technology, regulation, and preexisting commitments?

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Examples Capital Data Case Study 221

Chris Skinner

MARCH 20, 2017

There was an interesting article in The Independent last week about the big banks becoming bigger since the financial crisis hit. The article notes that the big American banks control 70% of all US assets, and that this figure has increased 40% since 2008.

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System US Capital Lending 236

Perficient

DECEMBER 14, 2020

If your organization is looking to capitalize on cloud technology in 2021, here are a few trends to keep in mind. In the previously cited article, it is projected that an additional 20% of enterprises will prepare for IT workload disruptions by protecting data in the public cloud. The Public Cloud Market Will Surge.

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Technology Trends Software Resources 348

PYMNTS

OCTOBER 21, 2020

Square now manages $100 billion in annual payments and has an $83 billion market capitalization, the article said. Before Square, launched by Twitter co-founder Jack Dorsey in 2009, SMBs had a hard time maneuvering point-of-sale (POS) card transactions.

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BankUnderground

DECEMBER 4, 2024

Figure 1: Total S&P 500 options trading volume by Time to Expiry (2016 to August 2023) Source: CBOE article: The Evolution of Same Day Options Trading , 3 August 2023. Bowen Xiao works in the Bank’s Banking Capital Policy Division. CBOE estimated that 49% of S&P 500 options trading today are using zero-day options.

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Abrigo

JANUARY 17, 2025

This article covers these key topics: What is a core deposit intangible? As a result, lower CDI values may lessen the financial burden for acquirers, improving their capital efficiency. Why are core deposit intangibles important? Read on to learn about the importance of this metric, especially in today's dynamic environment.

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Strategy Guidelines Management Operations 195

PYMNTS

JANUARY 30, 2020

620 million has been financed to date, with Sequoia Capital, Amazon, and T. Companies also need the California DMV’s approval mentioned earlier in this article. Aurora’s three founders — Sterling Anderson, Drew Bagnell and Chris Urmson — initiated self-driving vehicle programs at Google, Tesla, and Uber respectively.

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South State Correspondent

MARCH 10, 2025

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.

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Abrigo

FEBRUARY 25, 2025

This article covers these key topics: Cultivating fertile ground for small business lending Do large lenders have an advantage in small business lending? But these businessesoften the backbone of their communitiesdepend on access to capital. They often must consult paper files as well as information housed in separate digital systems.

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Lending FDIC Policies Analysis 195

South State Correspondent

JULY 24, 2024

In this article, we explore the tactic of a high-yield deposit account. Not everyone needs rewards points, instant payments, or weekend service, but everyone needs cheap capital and more income. High-yield accounts result in a quick hit of balances but sap a bank of needed capital and profitability to invest in the long run.

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South Carolina Marketing Capital Idaho 417

TheGuardian

MARCH 6, 2025

The Guardian would like your help to find out more about fake adverts or news articles that promote fraudulent crypto schemes on platforms like Facebook and Google A Guardian investigation has shown how a single group of call centres in Tbilisi, the capital of Georgia, scammed savers out of $35m.

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Georgia Google Online US 55

Perficient

MARCH 30, 2023

The front office is screaming down to the Settlement Office, “Operations, we need more capital!” Blockchain technology can be a solution to the batch processing issue that plagues trading desks having to wait on settlement confirmation; before having capital/securities available for trading. I’m giving it all we’ve got.

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Operations blockchain Capital Security 275

Perficient

FEBRUARY 1, 2021

And combined with other investors, they put in a billion dollars of seed capital. For example, this includes an article released by The Guardian , which we’re showing on the screen right now. And what made this article unique is that it was 100% written by the GPT-3 algorithm, which is very, very cool.

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South State Correspondent

JUNE 28, 2020

In this article, we look at several basic capital market precepts that the average investment officer lives with every day but lenders may not notice. . With a low and flat yield curve, generating profits through investments has become more challenging.

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Strategy Capital Marketing 150

PYMNTS

JANUARY 8, 2021

In only one example noted in this space, as reported this week , tech startup Social Finance (SoFi) is closing a merger deal with blank-check firm Social Capital Hedosophia Holdings Corp. We note that can stoke enthusiasm, and capital commitments (i.e., V to file an IPO. As to where SPACs go from here is anyone’s guess.

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Capital Examples Company Course 237

PYMNTS

MAY 3, 2020

Founded in 2012, Moovit — based in the Israel town of Ness Ziona — has raised $133 million led by BRM Capital, Hanako, BMW iVentures, Sequoia Capital Israel and Vintage Investments Capital. “At Moovit received $50 million in Series D funding in 2018 led by Intel Capital. .

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Data Analytics Capital Strategy 188

Chris Skinner

FEBRUARY 15, 2019

I spotted an article by Linus Beliunas on LinkedIn this week, and liked it so much that wanted to share. Over a course of 12 months, Venture Capital-backed FinTech deals and funding set an annual … The post 39 FinTech Unicorns Valued at $147.37 39 FinTech Unicorns Valued at $147.37 billion 2018 was a phenomenal year for FinTech.

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Perficient

SEPTEMBER 9, 2020

The effects of good content marketing can be long-lasting, offering ongoing engagement while other tactics capitalize on shorter-term opportunities. Measures may include new vs. returning visitors, highest and lowest performing article categories and articles, and highest and lowest performing social and influencer content.

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South State Correspondent

JANUARY 22, 2025

This article presents our six-step framework for getting started, discusses using AI for strategic planning, and looks at some of its strengths and risks. Nuanced questions about human capital or culture tend to be nuanced and difficult for Gen AI to opine accurately on. The right questions are also important.

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How To Data Training Tools 195

South State Correspondent

OCTOBER 17, 2022

In a previous article ( HERE ), we discussed the concept of Funds Transfer Pricing (FTP), why systemically important banks and large regional banks incorporate FTP, and why community banks should also consider implementing FTP. In this article, we look at using FTP attribution to better understand lending profitability.

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How To Community Bank Community Capital 195

Abrigo

MARCH 31, 2025

It also means removing ritualistic contentsuch as unnecessary analysis of debt service coverage for a working capital linewhen it doesnt directly relate to how the loan will be repaid. Being concise doesnt mean skipping context altogether, but it does mean avoiding repetition and fluff.

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Analysis Risk Management Management Data 195

South State Correspondent

MARCH 28, 2023

In a recent article ( here ), we discussed why banks that take risks to earn higher revenue demonstrate lower performance as measured by ROA. While in that blog, we specifically considered the risk-return tradeoff for credit risk; in a future article, we’ll consider interest rate risk.

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Community Bank Community Management Marketing 195

PYMNTS

MARCH 26, 2019

In 2015, news outlets ran articles about the “ gold mine ” of venture capital investments in the alternative finance sector. million write-off across eight of its portfolio platforms last year, which the firm attributed to challenges related to obtaining growth capital. Further, GLI Finance revealed a $25.93

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Lending Capital Fintech Security 190

Abrigo

FEBRUARY 6, 2025

Cannabis-related businesses (CRBs)spanning everything from cultivation to retailrepresent a market in need of lending services, from working capital to real estate and equipment loans. Yet, they remain underserved due to the risks involved.

Lending 195

Lending Compliance Community Software 195

South State Correspondent

MARCH 19, 2024

In two previous articles ( here and here ) we discussed how loan size and loan term affect the profitability of commercial loans. In this article, we consider the common features of upselling and cross-selling. In this article, we consider the common features of upselling and cross-selling.

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Community Bank Community Industry Cards 195

Bank Innovation

APRIL 6, 2018

Wells Fargo is looking to integrate its corporate and investment banks, according to a Wall Street Journal article, which cited sources familiar with the matter. The move to combine the two entities comes as the bank looks to reduce costs and better serve its customers, the article said.

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South State Correspondent

JUNE 30, 2023

The Issue with Relationship Pricing and Profitability The US banking industry has been unable to consistently earn a return on capital equal to its average cost (approximately 11% over the last few decades). Banks can then calculate SVA by subtracting their cost of capital from net operating profit after tax for each client.

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Resources Community Bank Capital Community 195

South State Correspondent

NOVEMBER 8, 2022

Almost every bank has some form of “human capital management” in its top three challenges for the coming years. This article looks at the fantastic opportunity in talent acquisition that is right in front of banks. Talent abounds, and fintech’s loss can be your bank’s gain.

Capital 195

Capital Training Customer Experience Software 195

Abrigo

AUGUST 30, 2024

Prepare now for potential changes to FHLBs Capital rules and membership criteria are among the areas where banks could see changes in how the Federal Home Loan Bank system operates. Capital rules and membership criteria are among the areas where banks could see changes. Would you like other articles like this in your inbox?

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San Francisco Risk Management New York Capital 195

South State Correspondent

MAY 7, 2024

A slew of articles have been published explaining the reason for this bank’s failure. Not The Root Causes We think that the most disingenuous cause of the bank’s failure as cited in various articles is the “uncertain environment.” This first bank failure in 2024 is reported to cost the Deposit Insurance Fund $667mm.

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