Abrigo

JUNE 5, 2023

Banking reports to inform risk management and strategy These reports on capital, growth, and liquidity help financial institutions spot warning signs. They help manage and shape strategy in volatile economic and industry conditions. the Community Bank Leverage Ratio (CBLR) and the minimum Tier 1 leverage ratio).

Report 195

Report Risk Management Capital Data 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.

Risk Management 195

Risk Management Security Management Groups 195

Abrigo

AUGUST 2, 2023

This article outlines a structured approach to ensuring management can confidently answer inquiries about the health of their CRE segments and related credit performance. The health of CRE loans and related credit risk is a focus not only of investors, board members, and other stakeholders but also of upcoming regulatory exams.

Report 195

Report Risk Management Lending Analysis 195

Abrigo

JUNE 11, 2021

Measuring Interest Rate Risk Can Vary by Institution Interest rate risk measurement plays a key role in ensuring an institution's safety and soundness. Would you like other articles on asset/liability management in your inbox? FDIC) noted in its 2021 Risk Review. Measure long-term interest rate risk.

How To 195

How To Risk Management Analysis Kansas City 195

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.”). Risk management culture What exactly is a risk management culture?

Management 150

Management FDIC Risk Management Community Bank 150

Abrigo

JULY 20, 2024

Takeaway 3 To fully capitalize on the forthcoming C&I wave, institutions need the right products, systems, people, and technology. Want more articles like this? Credit risk : In C&I lending, at least part of the collateral is intangible. C&I lending will be the next “bomb.”

Lending 195

Lending Risk Management Management Capital 195

Abrigo

DECEMBER 23, 2022

Blog posts to help your asset/liability management (ALM) staff strategize for the future These ALM posts were the most popular in 2022. Would you like other articles like this in your inbox? Th e article is intended for the ALM rookie who wants to understand ALM basics: the process and its usefulness.

Resources 195

Resources Risk Management Study Strategy 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.

Community Bank 195

Community Bank Community Industry Cards 195

Abrigo

APRIL 1, 2015

Unfortunately, the recent economic crisis highlighted shortcomings in boards’ understanding of risks and the proper oversight of those risks. 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.

Risk Management 150

Risk Management Community Bank Regulation Management 150

Abrigo

NOVEMBER 18, 2016

In a survey of community banks and credit unions at the 2016 Sageworks Risk Management Summit, 42 percent of respondents said Commercial Real Estate, or CRE, lending was their primary focus for loan portfolio growth. Learn more about the Sageworks Credit Risk Management Solution. This reflects a larger industry trend.

Community Bank 150

Community Bank Handbook Lending Risk Management 150

Abrigo

JUNE 17, 2015

As a result, borrowers are encouraged, in the OCC document, to implement risk management practices that reduce their exposure to these risks, including diversification strategies, operations integration, hedging, contracting strategies and/or purchasing insurance.

How To 150

How To Kansas City Lending Analysis 150

Abrigo

MARCH 23, 2015

Consequently, interagency guidance on CRE concentration risk management , released in 2006, helps institutions pursue CRE lending with safety and soundness. A recent article on Banking Exchange by Daniel Rothstein highlighted the continued need for community banks to diversify their portfolios and steps for execution of this task.

Community Bank 150

Community Bank Risk Management Community Analysis 150

South State Correspondent

APRIL 23, 2024

Banking has a similar physics problem when management juggles strategy, risk/profitability, and customer behavior. This article will discuss the challenge of managing three potentially opposing forces and look towards physics to help us solve the mystery. Cost cutting at banks often increases risk in unseen ways.

Risk Management 195

Risk Management Strategy Management Customer Experience 195

Abrigo

JUNE 7, 2021

Risks ALM Addresses Will Affect Performance and Strategy Asset/liability management models and processes address credit risk, liquidity risk, and interest rate risk. . Would you like other articles on ALM in your inbox? Which risks does ALM address? Liquidity risk management and ALM.

Management 195

Management Risk Management Capital Regulation 195

Abrigo

AUGUST 3, 2017

Cheryl Monk, a writer in New York, reviews the de novo environment in her article published in the July 2017 issue of Independent Banker. Heightened capital requirements that must be met up front 3. Learn more about how Sageworks can help banks and credit unions grow profitably and mitigate risk. It is time intensive.

Oklahoma City 150

Oklahoma City FDIC Handbook Oklahoma 150

TrustBank

FEBRUARY 22, 2021

Therefore, our capital market assumptions are based on expectations for average returns over the next 10 years. Our risk management strategies provided the cushions we had expected during the market’s decline in 2020, with returns independent of the returns from both stocks and bonds. annualized over the next 10 years.

Capital 90

Capital Marketing Washington Trends 90

Abrigo

DECEMBER 31, 2019

Key Takeaways Risk management practices were on the minds of bankers in 2019 Some of the most popular blog posts of 2019 were about stress testing and CECL. Risk management practices were in the spotlight in 2019. CECL and stress testing.

Risk Management 150

Risk Management Analysis Management How To 150

Abrigo

JUNE 5, 2015

In a recent Forbes article, Frank Sorrentino, Chairman and CEO of ConnectOne Bank, offered his take on how financial institutions should flip their mindset on regulators and examinations. From a governing body’s standpoint, stress testing builds confidence in a bank’s overall risk management strategy.

Risk Management 150

Risk Management Community Bank Regulation Survey 150

Abrigo

AUGUST 4, 2015

The most senior risk management executives at these institutions are under the spotlight, both in the industry and in the media. So when late last month Bank of America announced a management overhaul that directly impacted this important review, it left some in finance scratching their heads.

Resources 150

Resources America Compliance Michigan 150

Abrigo

JANUARY 11, 2022

Financial institution leaders and management should consider ALM as a process for making institutions more profitable and more effective at managing risk simultaneously. 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

MAY 19, 2023

Introduction A few good men and women In previous articles, we have explored the objectives of a loan review and credit risk review system in general. Loan review management needs to develop a basic loan review curriculum so that their senior loan reviewers are being given recruits acquainted with the basics.

Training 195

Training Lending Risk Management Guidelines 195

South State Correspondent

FEBRUARY 27, 2024

In this article, we would like to define loan pricing discipline and cover bid, why it matters, and demonstrate how most community banks currently are not using loan pricing discipline. There are three ways that managers can price their loans (or any product or service, for that matter): Price to the competition. Cost-plus pricing.

How To 195

How To Community Bank Community Management 195

Abrigo

NOVEMBER 29, 2021

This article looks at trends in growth and composition as well as legal, regulatory, and competitive pressure on noninterest earnings. million customers over "deceptive" overdraft enrollment practices between 2014 and 2018, Banking Dive noted in a recent article about growth in overdraft fees. Portfolio Risk & CECL.

Community Bank 195

Community Bank Community FDIC Trends 195

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. Potential deficiencies in the current margining system, and the inability of risk management infrastructure to keep pace with new market developments.

Marketing 110

Marketing Risk Management Retail Capital 110

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

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. Technology-forward banks spend as much as 16.4%

Capital 195

Capital Operations Customer Experience Comparison 195

South State Correspondent

MARCH 14, 2024

In this article, we want to go deeper to show how by increasing your planning horizon, you can increase your long-term performance. Strategic Horizon and Capital As mentioned, the problem that bank’s often run into when it comes to strategic planning is their time horizon is too short. Risk management also needs to change.

Innovation 195

Innovation Strategy Capital Comparison 195

Abrigo

AUGUST 8, 2021

Independent Loan Review Systems in Banking Banking regulators have outlined expectations for effective, independent loan review and credit risk review. . Would you like other articles on loan review in your inbox? Takeaway 1 A system for ongoing, independent credit risk review will not look the same from institution to institution.

System 195

System Lending Policies Regulation 195

PYMNTS

SEPTEMBER 28, 2017

27), treasury management firm Kyriba recently announced new funding, an infusion which has come in the form of growth equity. According to news reports by Xconomy, Sumeru Equity Partners led the $45 million growth equity round, Kyriba said, while previous backers at Bpifrance, Iris Capital, Daher Capital and HSBC also participated.

Capital 100

Capital New York Leadership Risk Management 100

Abrigo

JULY 27, 2023

Would you like other articles on fraud and AML/CFT compliance in your inbox? However, banks and credit unions should stay vigilant about choosing the right regtech solutions to tackle the challenges and capitalize on the opportunities it presents.

Technology 195

Technology Fraud Compliance Regulation 195

Abrigo

JULY 27, 2023

Would you like other articles on fraud and AML/CFT compliance in your inbox? However, banks and credit unions should stay vigilant about choosing the right regtech solutions to tackle the challenges and capitalize on the opportunities it presents.

Technology 195

Technology Fraud Compliance Regulation 195

South State Correspondent

MAY 2, 2023

Last week, we published an article [ here ] discussing how fair value accounting for assets and liabilities may have prevented the failure of Silicon Valley Bank, even if sound risk mitigation practices were not resolutely embraced by management.

Lending 195

Lending Capital Management Tools 195

South State Correspondent

MAY 2, 2023

Last week, we published an article [ here ] discussing how fair value accounting for assets and liabilities may have prevented the failure of Silicon Valley Bank, even if sound risk mitigation practices were not resolutely embraced by management.

Lending 195

Lending Capital Management Tools 195

South State Correspondent

MAY 3, 2023

Last week, we published an article [ here ] discussing how fair value accounting for assets and liabilities may have prevented the failure of Silicon Valley Bank, even if sound risk mitigation practices were not resolutely embraced by management.

Lending 195

Lending Capital Management Tools 195

Abrigo

JULY 20, 2021

Want other articles like this on SBA loan origination in your inbox? During Abrigo’s recent ThinkBIG Conference, credit underwriting and loan portfolio risk management trainer and consultant Michael Wear , CRC , of 39 Acres Corp. Export Working Capital loans are up to $5 million and are for terms of up to 12 months.

Lending 195

Lending FDIC Capital Risk Management 195

Abrigo

JULY 20, 2021

Would you like others articles like this in your inbox? During Abrigo’s recent ThinkBIG Conference, credit underwriting and loan portfolio risk management trainer and consultant Michael Wear , CRC , of 39 Acres Corp. Export Working Capital loans are up to $5 million and are for terms of up to 12 months.

Lending 195

Lending FDIC Capital Risk Management 195

Abrigo

MAY 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 195

Lending St. Louis Community Marketing 195