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.

Community Bank 195

Community Bank Community Operations Report 195

Abrigo

JANUARY 17, 2025

This article covers these key topics: What is a core deposit intangible? These reliable customers provide a stable, low-cost funding source that is critical for financial institutions operations. As a result, lower CDI values may lessen the financial burden for acquirers, improving their capital efficiency.

Strategy 195

Strategy Guidelines Management Operations 195

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. With this regulatory risk and associated operational complexities, there is plenty for financial institutions to consider before diving into cannabis lending.

Lending 195

Lending Compliance Community Software 195

South State Correspondent

MARCH 3, 2025

In this article, we break down the lessons from this long-term trend. Banks were now allowed to operate across state lines, increasing competition. As seen below, many banks and thrifts failed to manage their asset-liability and credit positions and chronically produced under their cost of capital.

FDIC 195

FDIC Trends Management ATM 195

Perficient

DECEMBER 14, 2020

Crisis response, maintaining safe and operational working conditions, mitigating supply chain disruptions, maintaining liquidity, and deftly responding to shifts in the market have emerged as key focus areas for all businesses. If your organization is looking to capitalize on cloud technology in 2021, here are a few trends to keep in mind.

Technology 348

Technology Trends Software Resources 348

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? Back-end processes for small business loan approval in some financial institutions operate in an automation desertand it shows. Theyre energy-draining, slow-moving, and inefficient.

Lending 195

Lending FDIC Policies Analysis 195

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. Generating profitable loans, increasing fee income, lowering deposit costs, or reducing operating costs might all be better alternatives to growing loan originations.

Examples 221

Examples Capital Data Case Study 221

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. New acquisition, sales, marketing, support and management costs drive up the operating cost overtime further hurting profit.

South Carolina 417

South Carolina Marketing Capital Idaho 417

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.

Marketing 124

Marketing Risk Management Retail Capital 124

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. See resources Takeaway 1 The FHLB system faces potential changes in its structure, operations, and mission that could affect financial institutions.

San Francisco 195

San Francisco Risk Management New York Capital 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.

How To 195

How To Community Bank Community Capital 195

PYMNTS

MARCH 26, 2019

In 2015, news outlets ran articles about the “ gold mine ” of venture capital investments in the alternative finance sector. The company posted Monday (March 25) a more than $3 million operating loss for the 2018 year, compared to a $133,630 profit in 2017. Further, GLI Finance revealed a $25.93

Lending 190

Lending Capital Fintech Security 190

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.

How To 195

How To Data Training Tools 195

South State Correspondent

JANUARY 17, 2024

In our last article ( HERE ), we highlighted the methodology around why banks should calculate and drive value through customer profitability and product profitability. We focused mainly on customer profitability and used risk-adjusted return on capital as a proxy for profitability. increase in M/B. The answer is – most likely.

Study 195

Study Maine Analytics Capital 195

South State Correspondent

MARCH 19, 2023

While every bank will take some level of credit, interest rate, liquidity, and operational risk, the question is this: Are banks in the business of taking risk to earn higher revenue, or are banks managing relationships and should avoid risk (and the higher return) when possible? The markets (i.e.,

Analysis 195

Analysis Community Bank Operations Community 195

PYMNTS

FEBRUARY 27, 2020

The Business Solutions Division and CompuCom account for about 60 percent of Office Depot’s total sales, the article said. “In In Q4, Office Depot said, capital expenditures totaled $27 million. In the same quarter one year earlier, capital expenditures totaled $66 million.

Capital 151

Capital Retail Conference Technology 151

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.

Resources 195

Resources Community Bank Capital Community 195

South State Correspondent

SEPTEMBER 19, 2024

There is a myriad of manual processes that take place everyday in banking driving up unit economics and causing the average bank to operate with a 77+% efficiency ratio. To be competitive in the future, banks need to be operating at an efficiency ratio of below 40%. return on asset figure.

Examples 195

Examples Lending Operations Management 195

Abrigo

SEPTEMBER 25, 2024

Would you like other articles like this in your inbox? However, in most years, E-Tran handles far fewer loans for the following programs: 7(a) Loan Program : Known for its flexibility, 7(a) loans can be used for working capital, equipment purchases, real estate, and more. Key Takeaways E-Tran is the SBA's loan submission platform.

Lending 379

Lending St. Louis Fraud Software 379

South State Correspondent

NOVEMBER 20, 2024

In this article, we will touch on innovation, technology and banking strategy to show why banks tends to overemphasize ease, familiarity and convenience instead doing the difficult task upfront that will ultimately keep things simple. Who doesn’t want an easy way to have a more profitable bank? We also love to keep things simple.

Strategy 195

Strategy Resources System Management 195

South State Correspondent

JANUARY 30, 2024

In this article, we partner with Gartner to look at 2024 key IT metrics and provide strategic insight into how much your bank should be spending on IT. Benchmarking can help banks better optimize capital as it gives bank management a sense of what the average is for the industry. Usually, a bank spends about 8% of its revenue on IT.

Capital 195

Capital Operations Customer Experience Comparison 195

Insights on Business

MARCH 12, 2019

review of the capital requirements for market risk regulations, namely the Fundamental Review of the Trading Book (FRTB). It becomes effective in 2022, but banks should now, more than ever, implement the proposed changes in order to meet the deadline for reporting their Pillar I capital under the new methodologies.

Capital 79

Capital Regulation Strategy Operations 79

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.

Report 170

Report Operations Capital 170

PYMNTS

FEBRUARY 28, 2019

It was led by “Energize Ventures and Lux Capital, each of whom invests heavily in companies, fundamentally advancing how society implements and utilizes advances in technology,” Zededa said in a statement. Zededa , a California-based tech firm that provides IoT device management software, said this week (Feb.

Security 198

Security Survey Course Data 198

Abrigo

APRIL 12, 2016

Directors overseeing a bank’s operations are important partners in supervisory efforts, the FDIC noted in the article (“A Community Bank Director’s Guide to Corporate Governance: 21st Century Reflections on the FDIC Pocket Guide for Directors.”). Poor operating results 10. Low capital levels or poor access to new capital 11.

Management 150

Management FDIC Risk Management Community Bank 150

PYMNTS

DECEMBER 5, 2016

Said researcher got interested after seeing a news article on the SFMTA hack. But the world is full of unexpected costs — just ask the team at CAN Capital. CAN Capital, the small business online lender, has announced that its CEO is on a leave of absence. So, good news for borrowers — unexpectedly expensive news for taxpayers.

Capital 100

Capital San Francisco Bitcoin United States 100

Abrigo

JANUARY 11, 2022

This article kicks off a series intended to highlight how ALM can help financial institutions get the most profitability out of their balance sheets while managing their risk profiles. This initial ALM 101 article is intended for the ALM rookie who wants to understand ALM basics: the process and its usefulness. keep me informed.

Management 195

Management Meeting Capital Strategy 195

Abrigo

APRIL 1, 2015

A recent Wall Street Journal article by Victoria McGrane and Jon Hilsenrath highlighted how the nation’s regulators are increasingly questioning and turning their focus toward bank boards. Lynn McKenzie and Edmund Green of KMPG recently contributed an article to Bank Director on how boards can challenge their banks’ management on risk.

Risk Management 150

Risk Management Community Bank Regulation Management 150

Abrigo

APRIL 22, 2024

This article outlines some of the math behind small business lending and its profitability and suggests ways for banks and credit unions to better serve this important market while earning appropriate returns. Almost half sought credit to grow their businesses, and 28% applied to make repairs or replace capital assets.

Lending 243

Lending St. Louis Community Marketing 243

Abrigo

OCTOBER 9, 2014

This article is the second in a two-part series on top concerns and growth strategies of community banks. With a C&I loan, a bank could have, in one borrowing entity, several different operating companies and owners, each of which comes with its own financial story and potentially overlapping commitments.

Community Bank 236

Community Bank Strategy Community Survey 236

PYMNTS

OCTOBER 6, 2017

5), Alenka Grealish, senior analyst at Celent, penned an article for American Banker with a prediction: The small business (SMB) credit space is headed for a “shake-up.” In this week’s B2B venture capital breakdown, alternative lending for small- and medium-sized businesses (and their employees) is the clear winner. On Thursday (Oct.

Lending 152

Lending Capital Marketing Report 152

Abrigo

NOVEMBER 3, 2015

The media, of course, feeds the frenzy with television shows, articles, podcasts and a steady stream of click bait, aimed at illuminating the opaque world of valuation. Cost of capital is a defining concept in business decision-making, but it’s also abstract. Pick a target The truth is most businesses do not operate from numbers.

Resources 150

Resources Capital New York City Taxes 150

Abrigo

JUNE 14, 2021

Would you like others articles like this in your inbox? Create an effective sanctions program Considering the current economic and political environment, it is crucial that financial institutions maintain a strong sanctions compliance program (SCP).

Compliance 370

Compliance Training Resources Policies 370

South State Correspondent

APRIL 6, 2022

In this article, we provide banks with four changes, that account for about 90% of performance, that should be made in loan pricing models, plus deliver the data around those changes. Making loans is central to your bank’s operations, and lending has a compounding effect on profitability. Loan Pricing Model Basics.

Capital 195

Capital Training Management Atlanta 195

PYMNTS

AUGUST 24, 2019

A new treasurer, deputy chief financial officer and director of financial crime risk were named in a new round of senior executive appointments that have also included a new chief financial officer and chief operating officer. million customers in under four years in operations, with 12,000 new account sign-ups daily.

Operations 135

Operations Digital Banking Capital Company 135

South State Correspondent

JULY 5, 2022

In this article, we analyze why 75% LTV may not protect banks from credit risk on commercial loans and why there is only one source of loan repayment. . Many bankers responded that their loan-to-values (LTVs) are low and expect that the secondary source of repayment will protect the bank’s capital. Background.

Management 195

Management Capital US Community Bank 195

Abrigo

AUGUST 4, 2015

Per a recent article in American Banker, some in the banking industry took to Twitter to express their confusion in passing a high-profile responsibility typically reserved for a CRO or CFO to the human resources lead. But the article goes on to point out that it might not be such a leap for an HR professional.

Resources 150

Resources America Compliance Michigan 150